23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Tuesday XX/XX/XXXX I contacted the law office of Patenaude and Felix APC, and spoke with a representative. I found this was regarding my former business with a target account. I explained to the account representative that I wished to settle the account, because I was expecting my income tax refund on the XXXX. We agreed to settle for {$350.00} and dated a post dated check for XX/XX/2019. I wasn't sure if my tax refund would hit my account immediately, so I explained to the rep that if it hits my account sooner I will call and make immediate payment if the payment for the XXXX is deleted. The next day XX/XX/2019, my income tax was deposited into my account with no issues. During my lunch break at work I called Patenaude and Felix APC. I spoke with the same rep. I advised payment was good to run immediate, so I gave him a debit card. I asked about deleting the payment for the XXXX because now my debt was satisfied. The rep assured me he did in fact delete the XXXX check, and my balance was settled in full. I asked for a terms letter to be emailed to me for my records, and gave my email address. The rep read an email disclosure and said I would have it over to my email on the XXXX. I never received that letter. Patenaude and Felix APC charged my account twice. Once via debit card and once via check. I called to resolve it and I was told there were no managers in that could help me. I was placed on a long hold and eventually hung up on. I called Patenaude and Felix APC maybe 10 times to try and get a resolution, and the phone just kept ringing. I eventually contacted my bank to dispute the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my XXXX  account for years now ; charter communication ( XXXX  ) is damaging my credit by adding 2 additional accounts on my credit report from two other harassing collection agencies. I REFUSED to pay them because I am a customer of the same company and I feel like this is a scam. This is extremely damaging to my credit and has caused severe hardships with getting the help I need. 

report show CBE group ( charter communications ) {$530.00} ( XXXX  XXXX XXXX report show XXXX XXXX XXXX ( charter communications ) {$570.00} ( reporting only to XXXX ) this account is in collections and it shows as " opened '' status.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and list of Inquiries XXXX 


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

My mortgage was transferred to HomePoint Financial ( which identifies as a debt collection agency ) in XX/XX/2018. I called them and was told that they would reconcile my last payment with my previous lender, and there would be no issues for 90 days. In XX/XX/XXXX, I began receiving daily calls identifying a missed payment. I have provided evidence of all my timely payments to them, via email, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX after lengthy calls with their representatives. I have evidence that a monthly payment that was received and deposited, and have provided evidence of checks that have cleared. I have also provided a spreadsheet of my payments. 

Their response to my evidence is to provide a listing of payments that match neither the actual amount paid nor the timing of the payment. Please see the attachments below for detailed evidence. 

HomePoint Financial has been terrible to work with. You can never speak with the same representative, no one can tell you if your issue is resolved, and it is now three months of frustration. They are asking for late fees when none are due. I am worried about my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report XXXX XXXX accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under, also these XXXX accounts are outside of the statute of limitations here in Texas of XXXX years XXXX!!! 

-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 XXXX 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: Mortgage

I had a COVID forbearance agreement with XXXX XXXX  XXXX XXXX Dovenmuehle Mortgage Inc. ) which ended XX/XX/2021. At the start of 2021 I contacted the mortgage company to end the forbearance and do a loan modification. They didn't send me the loan modification paperwork until XXXX. During that time I resumed my normal payments and called them multiple times to get the paperwork. After receiving the modification terms, I promptly accepted them and made the required three trial payments. After those three months the mortgage company should have promptly sent me the final approval paperwork to convert my loan into a 40 year loan at a lower rate. It's been over five months since then and they still haven't sent me the final paperwork despite me calling them multiple times per month. It's been around 11 months since this process was started while others I've talked to get it completed within 4-5 months.

Their call center keeps saying they'll notify the underwriter, contact a supervisor, or that they've already mailed the paperwork but it has never shown up in my mailbox nor have I ever had any mail stolen. I've confirmed my mailing address with them multiple times. The USPS sends me scans of the mail I'm about to receive and those have never had the final paperwork. I've received other mortgage related documents from the company during this time but still haven't gotten the paperwork they've ( falsely? ) claimed to have mailed me. They have refused to provide tracking numbers, refused to deliver the documents electronically ( even though the initial paperwork was provided both electronically and successfully through the mail ), and refused me from coming into the office to sign the final paperwork. 

Further, three months ago they started charging me late fees despite not being late on my payments. When asked, they confirmed I've paid on time yet said the late fees will continue anyway! They also told me to pay a lesser amount than what's showed on my statement, but that would only encourage even more fees so I've continued to pay the full amount.
Product: Vehicle loan or lease

i have one loan with them 8 % and got another car and its 16.9 % which i believe is wrong. I make my pymts and pay more than the amt on the 1st car.
Product: Money transfer, virtual currency, or money service

Since XX/XX/XXXX I've been trying to recover funds that cashapp allowed to be spent by an unauthorized person who then made multiple suspicious transactions.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment to be updated.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


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


Update the late payments from my consumer reports
Product: Debt collection

XX/XX/2019 XXXX XXXX XXXX responded to my complaint filed against them and Discover Card for wrongfully garnishing my {$1200.00} on XX/XX/2019. In their statetments, Discover instructed them to remove the levy and return all the money they took from me. The letter ends without providing any Information on how, when, and what way I can expect to get my money back from them in full. They provided only the front desk number and the name of the assigned attorney for me to contact, and the horrors continued. 

After 20 days and numerous attempts I made to reach XXXX about the money, I still have not received my money. The front desk staff refused to let me talk to him, refused to give him my messages, lied to me about his work schedule, closed down the office when they saw me coming. They have tried everything to avoid not paying me back. Please help me talk to these people. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed many items on my credit report with Trans Union on XX/XX/2021. On XX/XX/2021 they deleted many of the disrupted items. However, the main item which I disputed, for an auto from XXXX that I know nothing about, was left intact on my credit report and is causing me great harm. I have sent the company two copies of the fraud police report I filed, and to date they have received none of them. They claim I must mail the report to them, providing no way to upload or email the report to them from the XXXX. This is frustrating and expensive for me. Thank you in advance. 

I believe XXXX and XXXX also have the same information on their reports, despite also disputing with them.
Product: Checking or savings account

I opened my checking account with TD bank branch on XXXX XXXX XXXX in XXXX, NH on XX/XX/2018 as a non resident. The bank closed my account on XX/XX/2018 without any warning. I tried to log in online and all my credentials were denied so I emailed the store supervisor named XXXX XXXX inquiring about what was going on and her answer was that they closed my account because they needed additional information from me but could not reach me with the phone number I provided. She claimed that they called me 5 times and left voice messages though I haven't seen any missed call or voicemail. They did not send any official mail to the address I provided when I opened the account to let me know they needed more information or use my email address that they have to let me about the issue. I feel abused and confused as to why they closed my account this way and I haven't done any suspicious activity on my account or harass any of their employees. The only transactions I've been doing are either buying things online or in a store or transferring money from my XXXX account to my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX around XXXX XXXX  CST, I spoke with XXXX XXXX ( XXXX, XXXX XXXX ) from Quicken Loans, as I was inquiring about the rates for a possible refi of my mortgage loan. XXXX provided the many options and explained how the refi processed worked. I told her that I purchased my home in XXXX and was interested in possibly lowering my monthly payment and the 4 % interest rate. I was not provided any information about the current rates. When XXXX said that she could pull my credit to get started, I told her that I wanted to talk to my husband first before doing that. I declined the credit inquiry. XXXX said that the hard inquiry would only have a minimal impact on my credit. XXXX insisted twice after the initial no that I get my credit pulled to see what I qualify for to save a return call. I declined again. XXXX texted me her phone number and faxed number and explained to leave a message if she did not answer, and she would return the call. Later the same day, I received an alert from XXXX stating a mortgage inquiry was processed against my credit. I texted XXXX about the inquiry. While waiting on her texted, I started the process of filing a complaint with the XXXX. XXXX later texted and said she thought I said okay to the authorization. I explained to XXXX that I never gave her authorization as I told her NO three times. XXXX stood by the untruth until I told her that Quicken could remove the inquiry and that I had planned to file a complaint with the XXXX, CFPB, & FED. At that time, XXXX apologized for the confusion and said she would do what she could to rectify the situation. However, I moved forward with the complaint as she has already demonstrated her dishonesty. Please have Quicken to update the bureaus and remove this unauthorized hard inquiry from my credit immediately. I was reluctant to move forward because I just recently opened two credit cards and wanted to discuss with my husband if it was even worth it to do a refi. Ive heard nothing but great things about Quicken Loans, but the unfair and deceptive tactics that XXXX used today goes against all the good Ive heard. The last four of my social is XXXX. My date of birth is XX/XX/XXXX. Date of occurrence is XX/XX/XXXX.
Product: Student loan

I have called Navient on multiple occasions informing them that I was having problems with making my payments and I needed a lower option. They never gave me any options they set me up on an automatic payment option and told me I had to stick. I called back several times to let them know that this would not work for me. They stated that they only had one phone call from me and that was in XXXX. From XXXX to XXXX they never processed one payment. I would call in and make a payment. On XXXX XXXX they processed a payment without letting me know. I called in to tell them that the needed to cancel this payment because it was not authorized, they stated that it was set up on automatic payments, and that I should have told them to cancel it. I told the representative that I had called in and told them that this was not working for me and she said I had not been calling in and that the only time i called was in XXXX. I said I called in and I told them that this was not working for me and I also said that I did not want the automatic payments, no one never said that I could stop this payments until I spoke with the representative on XXXX XXXX after I had been telling them this option was n't working for me. On XXXX XXXX they finally stopped the automatic payments but now I am left with a over draft fee of {$210.00} for a payment that was not processed, my bank will not stop the check. I wish I had another option than to deal with Navient. The customer service Representative today was very nice, however previous to this one today the rest of them were rude and very demanding and did not offer any solutions.
Product: Credit card or prepaid card

I tried multiple times to figure out why this account was not closed when I closed it and my bank account in XXXX of XXXX  I have spoken to many customer service reps and they transfer me and transfer me and refuse to let me speak to supervisors. They have no explanation other than " you never closed this account '' when I know 100 % that I closed this prepaid card. It now continues to pile up with late payments and interest that I can't afford and never should have been charged when the account was closed prior to any of these charges.
Product: Credit reporting or other personal consumer reports

I asked you to investigate items that! believed were reporting not XXXX percent accurate. As of now, I have no notice from you all stating that the accounts are in investigation. When handling disputes, your using faulty intake procedures and do not accurately convey all relevant information about disputes to the original furnisher. Your routinely and uncritically accept the original, furnisher 's response to the disputed information, even when that response was improbable or illogical on its face, or when you have other information available that suggests the furnisher is unreliable. Lastly your sends notices that fail to inform me of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent.
Product: Bank account or service

When my wife and I tried applying for a loan, the loan officer informed me that on my credit report there were XXXX different collection account for Bank of the West listed. The XXXX shows account name unknown with XXXX balance states unpaid and consumer disagrees. XXXX is listed as XXXX XXXX XXXX XXXXBank of the West with a balance of {$180.00} that supposly was turned over to collection XXXX. I have attempted to gain information related to XXXX of these accounts with no luck not even sure what branch these transaction took place at and I was told without a account number for reference it would be difficult to figure it out since my XXXX number did not pull any information.
Product: Credit reporting or other personal consumer reports

FCRA 605B appears to require the deletion of any erroneous accounts from my credit report. Would you mind checking the documents? There are inaccuracies in the reporting, amounts, and dates of some accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

ID FOR COMPLAINT SENT TO TRANSUNION LLC XXXX I lodged a dispute with transunion against a financial institution. The dispute was closed within 48 hours. I called transunion to enquire. The operator named XXXX said even though a bank/financial institution provide them with wrong information, at all times Transunion would have to honor the bank because according to the operator the bank/financial institution always get precedence over a consumer at any given time. I asked for the manager and the call was not transferred to the manager. Transunion is so corrupted that they had to block my review and post on their XXXX page so that the public cant see it. That by itself is enough to prove that Transunion is corrupted. I would like to ask how much BRIBE do transunion receive under the table from these banks and financial institutions??? 

1. The financial institution said no fees are being charged during covid 19 but they did. This was a total misrepresentation from the financial institution.

2. The financial institution stole {$76.00} from my account and put the blame on the merchant with whom I do business, causing me thousands and thousands of dollars of loss. Who would compensate for the loss?

3. The account is now closed but the financial institution didnt update that with the bureaus. Instead it stated the account is open and I owe money.

4. I lodged dispute with Transunion.

5. Transunion closed the case within 48 hrs stating they have to honor the financial institution first. The dispute was closed within 48 hours. I called transunion to enquire. The operator named XXXX said even though a bank/financial institution provide them with wrong information, at all times Transunion would have to honor the bank because according to the operator the bank/financial institution always get precedence over a consumer at any given time. I asked for the manager and the call was not transferred to the manager. 

By blocking my post and review on their XXXX page Transunion has indeed proved they are corrupted. What would Transunion do if this goes to XXXX  XXXX or XXXX XXXX  XXXX, would they be able to block it from there as well. They think they are very clever, unfortunately they havent met the right people yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2022 XXXX XXXX Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code $ 1681a - Definitions ; rules of construction & 15 U.S. Code $ 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code $ 1681b ( 2 ) - Permissible purposes of consumer reports
Product: Payday loan, title loan, or personal loan

On XX/XX/16  I took out a Flex Loan with Advance Financial. The APR is 279.5%. My payment is $XXXX bi weekly. $XXXX is interest and fees. I have paid my borrowed balance many times over.