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

At the end of XX/XX/2020 I entered into a forbearance agreement with my mortgage servicer, XXXX XXXX/AIM Loan. This forbearance was a result of a reduction in income from the COVID-19 pandemic. On the date I entered into the forbearance I was a couple days away from being 30 days late on my mortgage. Once I was offered the forbearance, I used the funds intended for my mortgage to cover other expenses. I later discovered that the lender was reporting by account 30 days late every month during the forbearance period. After discovering this, I made one months payment to cover the amount that was due before I began my forbearance period. In XXXX of 2020 I communicated to the servicer that I wanted to end my forbearance agreement and I resumed making payments on XX/XX/2020. However, after checking my credit report I discovered that my servicer continued to report my account as 30 days late even after making the one months payment that was due prior to my forbearance agreement. After speaking with them they told me they would continue to report my account 30 days late until I have repaid the entire lump sum amount that accumulated during the forbearance period or completed the loss mitigation process. As a result, every month I continue to go back and forth with them on documentation for loss mitigation, they continue to report me as 30 days late. Currently, my credit report shows me as 30 days late for every month starting in XXXX of 2020, despite the fact that I paid the amount that was due before the forbearance period and resumed making regular monthly payments in XXXX. Moreover, I was denied a deferral without an explanation or an opportunity to respond. 

The CARES Act provisions of the law state as follows : ( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect ; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 

First, I don't believe I entered the forbearance agreement 30 days delinquent because they gave me approval of my forbearance in XXXX a week before I was 30 days late. Second, I paid the delinquent amount during my forbearance period bringing my account current. To interpret current as also including the amount accumulated during the accommodation period would ne an absurd interpretation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX remains on credit report. This vehicle was totaled. The date of loss was XX/XX/2017. The vehicle was involved in an accident, we were not at fault. The {$12000.00} plus was paid on the vehicle per attorney, XXXX XXXX. Also, there was inaccurate information reporting. The date of last activity is inaccurate, credit bureaus reporting different dates. The date of first delinquency is inaccurate. The account balance is inaccurate. There is no notice of dispute which is a violation. XXXX and debt factoring company, XXXX XXXX XXXX are reporting the same account on my credit report. I am aware if the information is inaccurate with the credit bureaus ; the account must be deleted. The account has been deleted from my spouse 's XXXX account. I have attached documents for this account.
Product: Credit reporting or other personal consumer reports

I am looking to dispute a remove all inaccurate information that is hindering my credit report. all of the accounts listed are not following the a FCRA rules. this has caused major delays and denials on my credit report. please review an remove the following to help clear my file asap. delete the accounts reporting are not mines.
Product: Mortgage

When set my account up for autopay when Nationstar first took over the servicing of my loan, five years ago. 

My mortgage payments were auto drafted from my account without incident until XX/XX/XXXX, when my mortgage payment was not autodrafted. 

I was not notified that my payment was not autodrafted or even that my autopay would be ending. Instead, I received twice weekly cold-calls/emails from Nationstar regarding refinancing my loan. 

I even spoke with Nationstar representatives on XX/XX/XXXX and was never informed that my account was delinquent or that my autopay had ended. Instead, I was solicited again regarding refinancing. 

Fortunately, I checked my bank account and say that the payment was never drafted on XX/XX/XXXX and called to get my late fee removed, but I received no answer as to why that payment was not autodrafted. Or an explanation why I did not receive electronic notification of the delinquency/autodraft failure..particularly when all my communications with Nationstar were electronic and I received so many marketing/refinancing solicitations from Nationstar during XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is dat possible if the open date inaccurate, months of term, and date last reported is not accurate also last date active, date of last payment credit limit, high credit. This ground for removal they also violated my right under 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 604 A. It also stated a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX I have in hand a copy of my credti report and highlighted all the inaccureate things from all XXXX credit bureaus and i found alot of inaccurate things on it. So i would like it removed from my credit report from all XXXX bureaus.
Product: Credit reporting or other personal consumer reports

This company is reporting inquiries on my credit report to which I dont have account with this is causing me harm and distress me very bad Ive written the company about the fraudulent activity and they ignored it this is a 1,000 dollar penalty under the law for each inquiry in the attachment I have the proof of it
Product: Credit reporting or other personal consumer reports

These inquiries are unrelated to me and I am not associated with the mentioned creditors.
Product: Student loan

I couldnt get my plan lowered because of my income and Ive had a financial hardship happen in my life so my Income does not play a factor. They do not work with you at all.
Product: Debt collection

Harris & Harris repeatedly calls me and sends me numerous text messages regarding a tollway debt supposedly owed by my mother, XXXX XXXX. I have asked them to stop contacting me regarding this debt. I have also opted out of their repeated text communications by texting STOP, but they this unwanted contact persists. Their contact information is as follows : Telephone- XXXX Text- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint on my own behalf, and there is no third party involved. I have been violated as a federally protected consumer, natural person and original creditor under 15 USC Chapter 41. Equifax has violated 4 laws, as outlined in the attached materials that I've uploaded in my Affidavit of Truth. 14 days ago, I mailed Equifax my notarized Affidavit of Truth, my supporting exhibits, and my invoice with clearly defined terms and have not heard back from them on this matter, nor have I received my certified mail return receipts from them- so I have included screenshots to prove their receipt of my letters. I am demanding that all 4 of these fraudulent hard inquiry accounts be removed off of my credit report immediately, and that Equifax send me the invoice that I am owed for their illegal and discriminatory behaviors against me.
Product: Money transfer, virtual currency, or money service

I had CashApp account for my friends to send money to me easily. I didn't even know it existed at first! Then money was disappearing out of account on regular basis because someone was purchasing XXXX in my name!! I didn't know what it was at first. I couldn't get help for almost 2yrs. from CashApp FRAUD DEPT at ALL!! THEY BLEW ME OFF NEVER REFUNDED A XXXX TO ME! SO I DELETED DATA & UNINSTALLED APP. I had done so much research on this CashApp & found out that they are fraudulent company period. It was opened so criminals could XXXX XXXX internationally & steal money from customers with integrity & they let these criminal organizations know right off the bat that they would NEVER CALL IN AUTHORITIES ON THEM!! SO THE AGREEMENT ON THE TABLE WAS TOO GOOD TO PASS UP FOR CRIMINALS*
Product: Debt collection

This debt was removed, then sent to Trident Asset Management, XXXX, GA which called three times a day and called me at work repeatedly after I ask them not to. I do not owe this debt, never had a Visa with the XXXX XXXX XXXX I want this stopped. It gets removed from my report then transferred and back again, causing my score to drastically decrease. I have no account number to give. Please HELP! Amount is a small {$410.00}, I have many credit cards, car loans, mortgage all are paid on time. Why would I not pay such a small bill if it was mine?
Product: Mortgage

I'm again extending complaints XXXX and XXXX with NewRez as we have just experienced another, incremental issue with our mortgage payment process.

According to the website, we are set to have automatic payments continue with our XXXX XXXX account. Since the principal adjustment was made today on XXXX with the second unexpected debit on XXXX, the next one is set to pull XXXX. However, we are also in receipt of a letter dated XX/XX/25 saying our automatic payments are cancelled for " other '' reason. 

Given NewRez ' website 's history of not showing accurate information, we are now completely unclear if our automatic payment will proceed as expected or is actually cancelled. 

Once again, we see conflicting information on the status of our mortgage payment from NewRez, which I believe places them in violation of federal law and makes it more likely that we will experience another error, which will result in more fees.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Letter Inaccurate Late Payment Reporting by XXXX XXXX XXXX XXXX : Dispute of Inaccurate Late Payment Reporting by XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am submitting this complaint against XXXX XXXX XXXX ( XXXX ) regarding inaccurate late payment reporting on my student loan account # XXXX. 

I filed for XXXX XXXX bankruptcy on XX/XX/XXXX, which was XXXX on XX/XX/XXXX, as reflected in my credit report. However, despite my bankruptcy status, XXXX reported multiple late payments during or immediately after the bankruptcy process, which I believe is inaccurate and unfair. These late payments have significantly impacted my credit score and are making it difficult for me to recover financially. 

Key Issues with Reporting : XXXX reported multiple late payments all at once after my bankruptcy was discharged, making it appear as though I had an extensive delinquency rather than a protected bankruptcy status. 
These late payments were not reported in real-time but were instead submitted in a way that severely harmed my credit standing post-bankruptcy. 
The Fair Credit Reporting Act ( FCRA ) requires that all reported credit information be accurate and fair, and I believe this reporting is misleading and unjust. 
Attempts to Resolve the Issue : I have already : Disputed the late payments with the credit bureaus, but they have not been corrected. 
Contacted XXXX XXXX XXXX directly and requested a goodwill adjustment to remove the late payments, but they refused to make any changes. 
I am requesting that the CFPB investigate this issue and take appropriate action to ensure that XXXX updates my credit report fairly by removing these late payments. 

Although I do not have a copy of my bankruptcy discharge letter at this time, my credit report clearly reflects the discharge date ( XX/XX/XXXX ), which should be sufficient for verification. 

I appreciate your time and attention to this matter and look forward to your assistance in ensuring fair credit reporting. 

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

Lexis Nexis sent me n XX/XX/XXXX a 25 page report with all my previous home address ' going back 20 years, one page briefly mentions : " No judgments or liens '' Lexis Nexis has however sent to my employer a list of : " 61 unverified, historic liens and  judgments ' This list was full of inaccuracies, duplicate items and caused my employer to fire me. 
( I had not disclosed the erroneous liens on my XXXX XXXX. ) Then in XX/XX/XXXX I applied to a new employer, XXXX XXXX XXXX, they too received a similar list of 61 " unverified and historic liens and judgments form Lexis Nexis.

I have disputed this with Lexis Nexis in writing numerous times, at least 7 written letters, I have previously filed a complaint with CFBP. Your reply to me was that Lexis Nexis referred me to an 800 number which was no help. 
I request a copy of this list be sent to me. 
And I request the right to dispute these items.
Product: Credit card or prepaid card

I contacted Navy Federal several times advising them that they have a written off account that is not mine and is reflecting on my credit report I was never responsible for the account and requested many time for them to delete the written off account since I was an authorized user and not the account holder but as of today 's date they have refused to delete the written off account from all 3 credit bureaus this is not my account and I was never liable to pay for this credit card nor did I ever sign anything pertaining to this. If I was responsible for this account i would have never been an authorized user I would be a joint account holder. I have never received a bill pertaining to this account in my name and as of today 's date I was never contacted. I am still trying to understand how can I have a written off account when I was never contacted to get an account current. This is causing my credit score to be lowered.
Product: Debt collection

Please see the attached letter that has been sent to you countless of times with no response or communication. I have filed police reports and a federal trade commission complaint form regarding account number XXXX I am a victim of identity theft as well as a XXXX trafficking victim. By law, you are required to remove the mentioned account immediately from my credit report. I will be resorting to legal counsel if this is not resolved immediately.
Product: Credit card

Goldman Sachs, Apple Credit Card, put my credit card on hold on XX/XX/XXXX without notice. When I contacted Goldman Sachs to resolve, I was told my credit card was under review. That was all the information they could provide. Furthermore, they could not provide when someone could contact me to resolve the issue. As of XX/XX/XXXX, no one has attempted to contact to resolve this issue. Upon further review a number of all customers are experiencing this problem. It is alleged that Goldman Sachs is doing this to customers that pay off their credit card every month and do not accrue interest charges. This action hopefully causes the customer to close their account in frustration as they are not attempting to resolve the hold in a timely manner. This is only speculation and would require furthur investigation. Regardless, Goldman Sachs initiated the hold action without notice and is not attempting to explain or resolve in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # 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
Product: Debt collection

I have received two phone calls from Eastpoint Recovery Group ( XXXX ) for a debt that belongs to my mother ( XXXX XXXX ). The first call was on XX/XX/18 and the caller left a message. Message stated that I " needed to contact the office of XXXX XXXX regarding a formal complaint filed by one of my clients. Please be advised that my client is adamant with respect to their assertions. I'm hoping you can come forward and provide a statement. I'd like to speak to you before this becomes a public record. '' This message never mentioned a collections agency or that a debt was being collected. After searching the phone number on the internet, I assumed this was a scam by someone pretending to be an attorney. 

The second call was on XX/XX/18, which I answered. The call came from the same number and was the same voice. I told the caller that I was the daugther of the person he was trying to reach, to which he said I needed to make her call him back. I then asked who he was with, and I was given the Eastpoint name. The caller stated that he had tried to reach my mother XXXX stated correct cell phone number ) and had failed. And that if she didn't contact him, they would serve papers. The caller implied that a lawsuit had been filed in XXXX county OH ( family lives in XXXX county OH, original debt was owed to a company in XXXX County OH ). I told the caller that he wasn't giving me any information that couldn't be found on the internet and I didn't trust him. I told the caller that I couldn't verify their phone number or find a XXXX XXXX in any attorney database online, the caller started shouting at me that " this call is recorded and I never said I was a lawyer '' ( see voicemail above, caller implied he worked for an attorney. Has also now stated he was filing a lawsuit ) and screamed that I can't rely on the internet, that if I had called back, I would have been able to verify the number - to which I responded that scammers use that tactic. As he continued to yell at me, I told him not to call my number again and that I would forward any future calls to my attorney then hung up. 

After speaking to my parents and relaying the above information to them, I was told this is in regard to a debt that has already been settled directly with the original company. This information has been relayed to the collector on multiple occasions. This XXXX XXXX continues to harass me, my mother, my father, and also calls the family business. He often shouts on the phone and implies that he works with a law firm, that he will be filing a lawsuit, and other harassing tactics. 

I have reported this complaint with Eastpoint Recovery as well.
Product: Credit card

I have had a Best Buy card for many years and have been a very good customer to best buy. I shop there often and encourage others to do the same. I have always had a good experience when dealing with Best Buy, and that is why this shocked me. I was mailed a Best Buy XXXX with an annual fee. My Best Buy Card did not have an annual fee. I contacted Best Buy and was told that a letter had been mailed to my house, and that because I did not answer the letter they assumed I wanted the visa. They may or may not have mailed the letter, but I don't remember seeing it. I explained that I did not ask for or want a Best Buy Visa, and I was told that there was nothing they could do. I could of course cancel the XXXX, but because the account was already opened, this would effect my credit score. I asked for them to simply transfer me back to the Best Buy Card I used and was happy with for years. They said this was not possible. They also mentioned that if I did take the credit score hit and canceled my card, that I would never be able to get a normal Best Buy card again. So, I am left with paying {$59.00} a year for a Credit Card I did not ask for or want, or lowering my credit score because I closed a line of credit. I don't know if signing a customer up for a XXXX because he or she did not decline an offer letter is legal, but it is definitely unethical.
Product: Debt collection

The payroll dept sent me an e-mail stating in XXXX weeks XXXX XXXX XXXX was going to start a wage garnishment from my payroll? I had no clue what she was talking about? I never received anything from them? No paper work no letters NOTHING!! They already took out the first payment of {$300.00} which she stated they requested every two weeks. I do n't have money for an attorney so I do n't know how to stop this? I have tried calling several times with no results. I mailed a letter to them with no results? If they continue with this garnishment I will not be able to pay for my car payment then I will be out if a job! How can companies like this purchase old debt and immediately start a wage garnishment. I am more than will to pay any old debt but not in this manner. I live from pay check to pay check. Half of my income goes straight to pay the rent on my apartment. Please help!!! I also noted they have my address that I lived at XXXX years ago
Product: Debt collection

Harris and Harris from XXXX IL has been calling consistently to collect a debt. 

The debt amount is due to XXXX XXXX XXXX in XXXX. 
Since the first call from Harris and Harris in XXXX XXXX, I recorded and was able confirm : Harris and Harris was trying to collect a debt but the I had never received any mail notice for this debt. 
The reason was that Harris and Harris and XXXX XXXX sent it to wrong mailing address - wrong apartment which is why I never received the mail. 

I emailed them indicating this error and paid that bill once I was aware of it in XXXX XXXX. 

I recorded that conversation and I also called XXXX XXXX hospital billing and confirmed they corrected their input mistake to have the correct apartment address. That was recorded as well. 

Today, XXXX XXXX XXXX, I received a call for {$360.00} being due to XXXX XXXX. I was able to ask and confirm that the address that the mail for bills was sent to the WRONG apartment again. 

I told the collector from Harris and Harris this and she asked for payment and fortunately, I had checked my XXXX XXXX records online in XXXX XXXX and made a payment for {$2900.00} dollars in full. 

This included the payment that Harris and Harris was asking for again - essentially a double payment for same bill and a BILL NEVER SENT to my CORRECT mailing address. 

I refused to make another payment for a paid bill and the debt collector insisted I PROVE i had made payment and fax copy of payment that I had made. I told her : - to contact her client- XXXX XXXX XXXX bill had been paid in complete since XXXX XXXX to get payment made records - Note that asking for payment for paid debt was fraudulent - sending bills to incorrect address was a violation She refused to do any of this and insisted I fax proof. She hung up when I mentioned the above points. 

Pls note in your records. 

Regards, XXXX XXXX
Product: Debt collection

I sent dispute letters to the collection/debt collector and XXXX, XXXX, and XXXX over 60 days ago and still no response or have yet to verify these accounts. The credit bureaus are reporting false information and are compromising my credibility. I would like these accounts to be removed and deleted immediately please.