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

Claim submitted ( XXXX ) to the CFPB on XX/XX/2020 with complaint about Auto Trakk , LLC, lease servicer for Lycoming Auto Trust for incorrect reporting on credit report. The debt owed was paid on XX/XX/2020 in the amount of {$2100.00}, the agreed amount between both parties involved and was to be reported as Paid in full with {$0.00} balance and Closed while the status is reported as such ; Auto Trakk is continuing to report monthly as a Voluntary Surrender which is inaccurate. The Credit Reporting Agencies have a clear policy, as stated in their common reporting manual, XXXX XXXX XXXX XXXX XXXX, that the furnishers are to discontinue regular updated reporting after a CLOSED, delinquent account is PAID ; however if Auto Trakk/Lycoming are to make continued, regular updates, they must still comply with the FCRA ( Fair Credit Reporting Act ) by not knowingly being accurate. Being that the debt has been paid and closed, this company is failing to comply by monthly reporting as a Voluntary Surrender ( a delinquent status ) under my payment history status ; to which the account is no longer delinquent. Thus, my complaint and contesting is the accuracy of the reporting as any updating reporting in any month after the debt was paid must report the status as PAID, OK, or a non-delinquent status that reflects the current status of the payment history. 

Under the FCRA 611 my complaint is Valid and disputable as Auto Trakk/Lycoming continued reporting in XX/XX/2020, XX/XX/2020 and XX/XX/2020 as a Voluntary Surrender is inconsistent and clearly inaccurate. Again, I ask that the trade line be deleted from the credit bureaus based on the evidence attached and the multiple submissions of disputing to correct this matter as Auto Trakk/Lycoming has failed to comply with rules of the FCRA causing damage to my credit worthiness and knowingly misrepresenting the payment history status after being notified through disputes, verbally through phone calls, complaints, and emails.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I received a payment in the amount of {$2700.00} from XXXX XXXX XXXX XXXX Indiana from his personal Bank XXXX XXXX sent through PayPal as a personal payment PayPal transaction ID : XXXX. He Purchased a large Lot of remote control trucks and a large amount of brands new, used, and opened package parts for the trucks that shipped with the trucks. I shipped 2 very large packages via XXXX. Tracking numbers : XXXX, XXXX. Both of which were signed for by a XXXX as the tracking shows. Once XXXX received my items he then proceeded to go through his bank and file a fraud form stating he did not recognize the transaction and did not approve it. By signing this form his bank XXXX XXXX returned the {$2700.00} back to him taking it out of my PayPal account XXXX without my consent or even contacting me first to explain the transaction. So XXXX XXXX now has the {$2700.00} and my items. I then contacted his bank to inform them of this transaction and the proof for selling XXXX XXXX these items and receiving the payment sent by XXXX to my PayPal account as well as tracking numbers providing proof he signed for them himself and pictures he ent me stating he received the boxes. The Bank the. Told me by XXXX signing this fraud form due to their ACH rule they will take their customers word that they are telling the truth regardless of the evidence I have proving he has my items and my money. On XX/XX/XXXX Paypal withdrew {$2700.00} from my account without my knowledge or consent. And oddly enough my paypal account does not reflect this withdrawal of the {$2700.00} in my PAYPAL balance. Paypal owes me {$2700.00} to reimburse what they took.
Product: Debt collection

I have been a victim of identity theft. Midwest Recovery Systems has reported an account on my credit reports that do not belong to me for the amount of {$190.00}. This does not belong to me. I was never contacted by this company about this and I have no knowledge of it.
Product: Checking or savings account

I opened a Marcus referred savings account using the referral link sent by another account holder. Marcus/Goldman Sachs did not apply the referral rate to my account or the other account. I chatted customer service XXXX days after opening the account and was told that it was only possible to fix this issue within XXXX  days of opening the account. I requested a call from someone who could help make this change. I was promised a call within XXXX hours. I received no call. I then called customer service and received the same statement and no support.
Product: Mortgage

This is the message I put on Chases website : **** DO N'T LET CHASE BANK DESTROY YOUR REBUILD FROM HURRICANE HARVEY ***** XXXX XXXX should go to jail for the pathetic way they are treating Harvey victims. My damage from Harvey is more than my maxed out flood insurance of {$250000.00}. I have heard of many people losing their contractors because Chase is holding their insurance money just like mine. In order to keep my contractor I  decided to pull from savings and have spent {$170000.00} to date ... The flood was 4 months ago and I received my insurance check over a month ago for {$250000.00} less a {$25000.00} advance. Chase is using our insurance money to loan out and they are refusing to pay us interest on our money. Just a side note ... the dirt that my house sits on is worth XXXX the amount of my mortgage ... without the house even being there. There should be an exception to the rules for catastrophe victims. *** CHASE IS CAPITALIZING FROM OUR LOSSES *** Flood date from Harvey was XXXX/XXXX/XXXX My officeXXXX is XXXX XXXX at Chase bank and when I asked her to pay interest on my money they were holding she laughed in my face ... her phone # is XXXX
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finance a XXXX XXXX XXXX with XXXX as the finance company. I had the vehicle for almost 2 years and never had a missed payment. My suv was recently totaled loss on XX/XX/XXXX. The insurance company of the other driver accepted liability and issued a payment to XXXX of XXXX. In the meantime as XXXX was waiting to receive payment from the Insurance Company I continued to make my payments because I did not want to ruin my credit. I called XXXX weekly to see if they received payment to avoid any issues because I would have continued to pay if has too. They had told me they received payment and to call back in a week. I was still able to check the account and when I did it showed that the check was posted and that I had a balance due of XXXX. I called and they said it was a mistake and to disregard they will fix it. 
The insurance company issued XXXX a check on XX/XX/XXXX paying more than what I owed on the suv leaving XXXX  to issue me a payment from the account having an overpayment of {$140.00}. 
On XXXX I received a credit alert from experian that I have a paid/closed account with a 30 day late payment. This hurt my credit very bad. On XXXX is when I received my alerts from XXXX and XXXX showing the same thing. I called XXXX to speak with someone who told me that they will fix the error and it can take up to 90 days. I am not understanding why I have to wait almost three months for a mistake made on their behalf. I am in the process of buying a house and now I have this huge problem that I didnt create. My scores drop 40-51 points from each bureau.
Product: Debt collection

On XX/XX/2022 I sent Wakefield and Associates a letter asking them to validate the debt I supposedly owe them. I asked for original documents bearing my signature, proof that the statue of limitations hasn't expired and how they calculated the interest and fees and proof they own this debt. On XX/XX/2022 I received a letter from Wakefield and Associates and the information they sent over was unresponsive to my original demands. Not only that, they violated XXXX by sending over my Diagnosis Codes, Medical Record Number, full social security and a lot of other Protected Health Information I NEVER requested. I never signed a XXXX form requesting them to access and send over my medical history. I contacted the original creditor and spoke with XXXX the supervisor she states they never sent that kind of information to Wakefield. They have violated my rights. Please delete this information from my credit file and cease all collection activities immediately.
Product: Mortgage

I tried to make a payment and was forced to choose the following calendar day. This caused a negative mark on my credit report. I called and spoke to a supervisor and he saw in my account there were multiple errors messages on their system evidencing that I tried to make a payment on the actual due date but the system was simply not allowing it. The system stated that everything after XXXX XXXX PST had to be paid the following day. My payment was finally taken at XXXX XXXX PST after multiple tries earlier, which caused it to post the following day. Freedom Mortgage thereafter reported my payment 30 days late. Other banks will take the payment the day it is being paid and if it is processed the next day, it is still marked as received the same date payment was made. After years of having a mortgage I have never been over 30 days late with this company and they have refused to listen to my issue. A Freedom Mortgage supervisor has created a file to try and get them to resolve this issue. He stated after looking at my file that if it were up to him from everything he 's seen, he would have the negative mark deleted from my credit report. This supervisor does not have a direct line customers can access and I have not heard back. Given this bank has no physical location in Nevada and that my payment was timely but not accepted by their computer system, I do feel Freedom Mortgage 's practices are unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please do not mark as a duplicate. This complaint is intended directly to Transunion. Your actions has caused me and my family mental anguish and your actions has stolen my identity, violated my consumer rights by rights to privacy and the obligation you have to maintain the security and confidentiality of my private information. Your actions are equivalent to AGGRAVATED IDENTITY THEFT. You have failed to comply and knowingly furnished these accounts without my consent, nor permissible purpose. 

( Please see attachments )
Product: Checking or savings account

I received Social Security XXXX and I have direct deposit to chime Bank when my money is sent from Social Security time they won't release it they hold it for days and days when I call them they say they haven't received it yet when I called back Social Security office they told me the money was wired to the routing number and account number I gave him but chime keeps telling me they haven't received the funds yet I'm tired of this this company is a scam I was supposed to get a check on XX/XX/XXXX and it's now the XXXX and I still haven't received my check this company needs to be shut down
Product: Credit card or prepaid card

I am being charged {$3.00} interest on a {$2.00} shortfall for a monthly statement payment of {$960.00}, the statement paid in full amount. I mistakenly paid {$960.00}, leaving a balance on the statement of XXXX dollars. I am told by Capital One that any payment not covering the full amount due invokes a minimum daily balance regulation, and this means that I am paying {$3.00} interest on a minimum daily balance of {$480.00} for the next XXXX months, even if I continue to pay future amounts in full ( which I typically do ). This resembles usury, as I am paying interest on an amount much larger that I actually owe ( {$3.00} for XXXX months on {$2.00} balance ). I find it amazing that credit card companies are able to institute this method of charging interest for money that has been submitted on time. Is this not just another unfair method of charging for services? Please examine this regulation ( also used by other credit card services, in the fine print ), and recommend that it not be allowed. This is costing consumers millions of dollars each month, who most probably do not understand how it is applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Debt Dispute Violations by CRAs : They have reported late payments when I paid timely and in full accordance with my loan and XXXX agreement at the time of signing. The XXXX loan agency failed also in notifying a creditor that I disputed the debt that it has reported and has repetedly failed to conduct a reasonable investigation of my disputes, and, or correct or delete any of the inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. 

When the loan was opened with he assistance of a XXXX counselor at XXXX XXXX XXXX it was stipulated in the loan agreement that due to my XXXX I would always receive mailed statements. No statements were ever mailed. My account was part of a system issues that removed my account from being billed. And, the billing status was never rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccordance with the fair credit of a report act. the list of account below has violated my federally protected consumer right to privacy & confidentiality under 15u.s.c1681 XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX Has violated my rights 15u.s.c1681 Sec.602 A. States i have the right to privacy.

15u.s.c sec.604A sec 2 also states a consumer reporting agency can not furnish a acc.without my writting instructions.

15u.s.c1681c ( a ) ( 5 ) sec.states no consumer reporting agency may make any consumer report containing any of the following items of information. any other adverse items of info.other them the records of convictions of crimes which antedates the report by more then 7 years 15u.s.c1681s2 ( A ) ( 1 ) a person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has resonble cause to believe that the info is inaccurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Subject : Cease and Desist Demand for Violations of 15 USC 1666b Dear SYNCB/ BELK DUAL CARD, I am writing to formally demand that you cease and desist from [ specific action or behavior ] that constitutes a clear violation of 15 USC 1666b. This statute prohibits [ 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 procedure designed to ensure that each periodic statement, including the information required by sections 1637B of this title is mailed or delivered to the consumer not later. Than 21 days before the payment due date. ] " the imposition of late fees or charges on credit accounts which are not properly disclosed or communicated beforehand '' ].

It has come to my attention that you have put a late payments remark on my credit report., " charged my account a late fee without prior notice or the proper disclosure required under the law. This action not only violates my rights as a consumer but also contravenes federal regulations designed to protect individuals from deceptive practices. ".

Your continued disregard for these regulations is unacceptable and has resulted in Hindering me from purchasing a home and acquiring funding from from financial institutions. " financial harm, damage to my credit score, and significant emotional distress ''.

I demand that you take immediate action to rectify this situation by Deleting this account from my report on all credit reporting agencies or update the late payment to not late current. " reversing the unauthorized charges, providing a written confirmation of compliance, and ensuring that no further unauthorized actions are taken against my account ''.

Please be advised that if you do not comply with this demand by XX/XX/year> ], I will not hesitate to pursue all available legal remedies to protect my rights, including filing a complaint with the appropriate regulatory agencies and seeking legal representation. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Goldman Sachs is violating interest laws, credit card interest and payment laws, the EFTA and FCRA and has continued to do so after being informed multiple times. 

Background : Goldman Sachs acquired XXXX XXXX XXXXXXXX XXXX Card user accounts in XXXX of 2022 Due to alleged system issues they failed to process ACH payments resulting in false late payment account fees, no communications being sent to consumers. 

Multiple inaccurate fees were added to my account and I was informed they removed them. I tried multiple times to have my payments processed and when they continued to fail to process them I decided I wanted to pay my account in full to avoid the incompetence of Goldman Sachs and never do business with them again. 

On XX/XX/XXXX, I called in, expressed my frustration and was told the full amount due that i needed to pay to close my account. 

I paid and brought it to a XXXX balance which posted to Goldman Sachs on XX/XX/XXXX. 

Then, I received a notice that Goldman Sachs reported me as late to the credit bureau. I filed a complaint with them ( and the CFPB ) and I received a call from the management team and I was informed they shouldnt have reported that, they had too many issues with the acquisition and that they were supposed to abstain from credit reports. 

At the beginning of XXXX, I received a call from them, they said they got it cleared up and everything was resolved. 

They filed a response to my CFPB complaint about that single issue stating " WE NEVER REPORTED YOU TO THE CREDIT BUREAU, which was false, they indeed HAD, but I was fine with the matter being closed. 

Then today, I received a COLLECTION CALL. They said they had 'trailing interest ' they decided to apply to my account on XX/XX/XXXX in the amount of {$23.00} and then they assessed a late fee and reported me to the credit bureau XXXX 

CFPB, I am FED UP with the multiple violations of federal law. Goldman Sachs needs to be investigated for the acquisition of XXXX XXXX XXXX XXXX customer accounts. 
They are violating EFTA laws ( ACH payments ) FCRA laws for false reporting AND likely the CARD act for illegal interest accrual and payoff. 

To Resolve : waive the illegal interest, illegal late fee update my credit bureau that I confirmed today with your employees that GOLDMAN HAS RE-REPORTED ME TO THE CREDIT BUREAU THIS ACCOUNT WAS PAID IN FULL ON XX/XX/XXXX for the SOLE PURPOSE of ALLEVIATING MYSELF FROM GOLDMAN SACHS INCOMPETENT ACQUISITION OF MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection with Experian regarding ( XXXX XXXX XXXX ) several times. I even sent them documents directly from XXXX and they still updated the info. Every time I ask how they are able to update it, they just say the company stated that the debt is valid. The problem is I'm not disputing whether or not the debt is valid, I'm stating that failure to send the Rights to Cure before repo and the Notice of Sale post repo was a violation of my consumer rights.
Product: Debt collection

XXXX XXXX, XXXX, i was repeatedly contacted by XXXX XXXX from Alltran XXXX or XXXX XXXX. I was left repeated voicemails to contact him regarding a collectipn of a debt. The calls came in at XXXX, XXXX, XXXX, XXXX, and I returned call at XXXX p.m. 

I was notified by XXXX XXXX that it was an attempt to collect a debt. He the said it was for XXXX XXXX, i then told him i was her mother snd would relay message since she was not available on my phone. 

XXXX XXXX, XXXX, i was contacted multiple times by XXXX XXXX XXXX. I recieved calls on my cell at XXXX, XXXX, XXXX, and also a message was left by him with the school secretary at XXXX p.m. ( see attachment ). 

I returned XXXX XXXX 's phone call and told him not to contact my place of work since the debt was not mine but my XXXX year old daughter, an adult. He then explained that he had permission to contact me from my daughter. 

I was really distressed by him calling my wotknplace and told him that it was illegal to contact someone whom is mot the debtor. He tried to tell me he hsd permission from my daughter to call me. She denies this allegation from XXXX XXXX. 

He said he would pit me on a do not call list but was called again at XXXX p.m. No voicemail was left. 

I would like for XXXX XXXX to provide an apology for his harrassment. Also, some sort of reprimand for his unprofessionalism and unregard for the U.S. law. 

The calls came in repeatedly from the following phone numbers XXXX ( XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Debt collection

XXXXXXXX XXXX XXXX SC Attorneys at Law is not giving all the information I need for a Case between XXXX XXXX XXXX XXXX XXXX XXXX vs. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the law firm client. I'm XXXXXXXX XXXX  XXXX 's mother, XXXX XXXX. I understand they had court in XXXX for her. She was paying the loan and stopped in XXXX of XXXX. They are trying to garnish my check without giving me any proper information about the borrower and loan. I want to see the original papers so I can know more about the loan. XXXX, phone number, XXXX, ext. XXXX is the rep. I've been in contact with and I can't explain anything to him. He is so rude. I believe if you are going to garnish someone's paycheck they should know more a bout the company, which is not a regular loan creditor. They are a trust place and more like a depositor. I told them I'm really not able to pay my daughter 's loan. I am the cosigner. My daughter has two jobs and is working on her XXXX XXXX degree. She just received XXXX and should have payed her dept I'm not sure if this place is legitimate or not that's why I didn't provide them with any of my financial papers. 

Case # XXXX File # XXXX
Product: Debt collection

I received a bill from a company called XXXX XXXX XXXX XXXX for a dialysis treatment ( date is XX/XX/18 ). I do not get dialysis. Ive never visited this facility or live in the area. And I legally changed my name but the bill is under my old name - which I did not have at the date above. The bill amount is {$1000.00}. 

The collection agency is called XXXX XXXX XXXX ( XXXX ). Ive spoken with them twice and they say they do not have the contact info for XXXX XXXX XXXX. And I can not find them online. So I have no way to contact the creditor.