23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have wrote this company several times about validating the debt have not received anything from them verifying that the debt is owed to me. I sent certified mailing with no response back from the company. It has been deleted several times but then they put it back on my credit with conflicting dates they are saying I owed the date. Now they say I opened this date XX/XX/XXXX but before that it was XXXX. I never opened this debt at all and dont even know this company at all.
Product: Debt collection

I need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that you might be reporting damaging information to my name. I'm aware that section 609 of the FCRA requires that you have a contract with my signature. Please forward me all documentation on this account or remove it from my credit report. Falure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I Will be seeking up to {$5000.00} in damages lo 1 ) Detamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
As I can see the account was close since XXXX I paid full balance in XXXX but base on law if account is close ITS ILLEGAL TO REPORT ACCOUNT OPEN AS OF XX/XX/XXXX BECAUSE ITS PAID IN FULL AND NOT OPEN PLEASE REMOVE ASAP FROM ALL XXXX CREDIT BUREAUS
Product: Mortgage

A client was approved for financial assistance through the XXXX XXXXXXXX for Homeowners ( HAF ) program. On XX/XX/2022, the state disbursed XXXX to Mr. Cooper to make the client current on his mortgage payments. As of today, Mr. Cooper has not posted the payment. The client has contacted Mr. Cooper several times and has gotten no resolution to this payment. Today, I had a phone conversation with a representative from Mr. Cooper who works in the loss mitigation department. He told me there is no record of any payment ever being sent and he would request an investigation, but they would need information from us first. Unfortunately, he didn't know what information would be needed, so he would get back to us. 
The payment that was sent by the state made the client current through XX/XX/2022. When he tried to make his XXXX payment, Mr. Cooper would not accept it, they now are requiring XXXX months of payments, not XXXX. This client is trying to recover financially from his XXXX experience and requiring XXXX payments instead of XXXX is making it harder for him to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted   XXXX   XXXX   XXXX   for 3 months prior to a previous certified letter I 've sent out a month ago pertaining to a fraudulent account on my credit report by the name of   XXXX   XXXX   XXXX   and TransUnion have failed to assist me with this situation and have caused a great deal of problems to me and my life. Both companies are failing to respond to my letter and have n't sent me anything to show me that they took the proper steps to verify any documents or signatures pertaining to myself. This is an error and it is fraudulent which breaks many laws in the FCRA. I was never contacted at any time when these accounts was open so I do n't know why they continued to report and verify an account that is n't mine. I received several thereatning calls from the creditor and I do n't think thats professional and I do n't want this company to contact me anymore by phone or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and equifax will not allow me to dispute error on credit file and will not correct error on file. this is an acct that was paid in full on XX/XX/XXXX for car that was paid in full that i have pay off letter and title for car. also i have a complaint file number XXXX in which XXXX  XXXX XXXX states that correction will be made. i sent all info attached to credit reporting agencies and they still refuse to correct this error. the XXXX  XXXX XXXX acct number is Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$430.00} plus they continue to drop my credit score with no change on my credit report in retaliation to my dispute of this matter.
Product: Checking or savings account

There was a banking error by Truist in XXXX of this year in their ability to withdraw funds from XXXX XXXX XXXX via XXXX payment that has been set up and working with Suntrust ( now Truist ) for more than 10 years. 

We contacted XXXX XXXX XXXX and they tried to assist us by contacting Truist banking to let them know funds were in the account at the time and that XXXX saw a banking error with the payment pull by Truist. Truist has been contacted by XXXX several times and will not admit their mistake. We have contacted Truist Banking and they will not listen to us either and will not accept their company made a simple banking error which is now being reported as a late payment on our credit. 

Truist will not listen to anyone and repeatedly states they have never made a mistake even though we've reminded them of instances where are payments were reported to have never been received only to find out Truist deposited our funds into someone else 's account.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX original creditor XXXX communication ) ( XXXX XXXX XXXX ) original XXXX XXXX XXXX ) are all violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I went to XXXX department store on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj XXXX on XX/XX/2021 and once I got to the register I was asked if I wanted to sign up for a store card I first said no and the cashier insisted that she did not need to run my credit and stated that she only needed to run my ID card.I then agreed and was was prompted to type in my Social security number on the keypad I then refused and told the cashier to please take my information off the screen and she then agreed and turned the keypad towards her and started to type and I instantly got a notification from XXXX XXXX saying I had an hard inquiry on my credit.I then demanded to speak with the manager and after a discussion we agreed upon that the cashier put in a bogus Social security number to complete the application for the store card. The store manager then gave me the credit card company number and when I called they also confirmed that someone put in a bogus social security number and they only needed the contents on my ID to complete the application and it was nothing they could do to help me get the inquiry off my credit so now I am reaching out to you for help after I called my lawyer and he advised me to reach out to you guys because it is a tragic blow to my living situation because for the last 3 years Ive been building my credit consistently to purchase my very own home and this has been a huge setback please help.
Product: Credit reporting or other personal consumer reports

I have no knowledge of the XXXX XXXX  account. Second account opened in my name
Product: Student loan

I started to take out loans XXXX and went to different schools and ended around XXXX. I have been trying to repay my loans the whole time. I found out I was battling XXXX   XXXX ( XXXX, XXXX and XXXX ) and it was hard to keep a full time career. Even though I have Higher education, it was these issues that kept me down. They first, did not tell me or inform me how to make proper decisons before taking out the loan. I also had XXXX XXXX and he kept using my social securtity number to take out loans. I kept telling them this and they refused to listen to me.Basically, because of all these i have been trying to get SS XXXX and became bankrupt during the process. I can not pay of any of it back and thus far have ruined my entire life.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Closed Account with Late Payments FCRA Compliance To Whom It May Concern, I am writing to dispute inaccurate and harmful information appearing on my credit report regarding my XXXX XXXX XXXXXXXX account. This account has been closed and fully paid, yet it continues to reflect late payments, which are negatively impacting my credit score. 

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I have the right to request verification of the accuracy, completeness, and timeliness of any information reported in my credit history. According to 15 U.S.C. 1681i ( a ) ( 5 ), if the information can not be verified with absolute accuracy, it must be deleted or corrected immediately. 

Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Status : Closed and paid Inaccurate Information Reported : Late payments that do not reflect the current status of the account
Product: Debt collection

Simpson Law Firm, a law firm who I do not know anything about has placed a lien on my mortgage title. I am in the process of refinancing my mortgage. You see my wife passed away on XXXX XXXX. She was halfway into her bankruptcy before she lost the battle with XXXX XXXX. I found out while refinancing our home to take advantage of the equity that has accumulated to help pay for my children college expenses and home improvements that this law firm has a {$5000.00} lien on a debt they said that my wife owed. They arbitrarily listed this on a document to my mortgage banker. They included my name as the spouse. Now they are trying to say that I am responsible for the debt. No one has called or reached out to notify me of this circumstance in almost a year. Furthermore, how can they try to put a lien on my house title without notifying me. This is not right. Please advise. Thanks.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against PennyMac regarding the improper credit reporting of my mortgage during a Disaster Forbearance period. Despite my mortgage being enrolled in the forbearance plan, PennyMac reported my loan as delinquent, which directly contradicts their own stated policies and federal regulations related to disaster relief.

Here are the key issues : Incorrect Credit Reporting : PennyMacs own Disaster Forbearance Policy clearly states that : " Upon entering into a forbearance plan, your loan will be reported as Current and on a forbearance. '' However, despite being enrolled in the program, my loan was reported as delinquent rather than as current and on forbearance, causing significant harm to my credit score.

Late Fees and Payment Reporting : The Disaster Forbearance Plan also states that no late fees will be charged during the forbearance period. Despite this, PennyMac treated my account as if I had missed payments, rather than acknowledging it as under an approved relief program.

Federal Disaster Area Protections : My property was located in a Federal Area Disaster XXXX due to Hurricane Milton, which qualifies me for specific protections under federal law. This includes the proper reporting of my loan status as current and on forbearance, the suspension of late fees, and penalties. PennyMac failed to follow these guidelines, and my account was incorrectly reported as delinquent.

Violation of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information to credit bureaus. The misreporting of my mortgage during this time violates the FCRA as it has negatively impacted my credit score and does not reflect the true status of my account during the forbearance period.

Noncompliance with the CARES Act : According to the CARES Act, mortgage servicers are prohibited from reporting accounts as delinquent when they are under forbearance due to a federally declared disaster. PennyMacs actions appear to be noncompliant with the CARES Act, causing undue harm to my credit standing.

Thank you for your attention to this matter. I trust that the CFPB will assist in resolving this issue to ensure that PennyMac complies with all consumer protection laws and properly addresses my complaint.
Product: Checking or savings account

I am writing to file a complaint against the Navy Federal Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I want to charge a fee due to the lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Vehicle loan or lease

The company didnt want to negotiate with me to decrease the payment amount.
Product: Mortgage

On XX/XX/XXXX, LoanCare sent me a letter with instructions on where to send future principal reduction payments ( their term is " principal curtailment '' ). On XX/XX/XXXX, I mailed a principal reduction payment to the address contained in LoanCare 's letter from XX/XX/XXXX. On the check itself, it's noted as a principal reduction, on the post-it note, it's noted as a principal reduction and in the letter to Loancare, it's noted as a principal reduction in red letters and underlined. 

On XX/XX/XXXX, LoanCare cashed the check and didn't apply it to anything, just noted it as a payment. I called and left a message with the phone number and extension from LoanCare 's letter to me ( XXXX ) XXXX-XXXX ext XXXX. On XX/XX/XXXX, LoanCare applied the principal reduction payment as 2 future payments and a partial principal reduction ( {$52.00} out of {$2400.00} ).
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. I clearly listed the accounts and pointed out the violations they were making. It's been over 30 days, and they haven't responded. I'm attaching copies of all my letters. According to the Fair Credit Reporting Act ( FCRA ), they need to address all inaccurate information on my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , fl XXXX TODAYS XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiry have been made. 
I contacted each creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an REinvestigation into XXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX  XXXX, XXXX A Inquiry from XX/XX/XXXX National Credit Card Cos. 
Universal Credit Ser Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX   XXXX XXXX  Ban Inquiry from XX/XX/XXXX All Banks XXXX/XXXX  XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX XXXX Credit Card Cos. 
XXXX/XXXX  Inquiry from XX/XX/XXXX Personal Loans Cos inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , fl XXXX
Product: Mortgage

wells fargo is damaging our credit by stating we are behind on our mortgage when we 're not.rreason for this is because they claim they under estimated our escrow account but never sent us any notification of this! we contacted wells fargo to see why we keep receiving notifications that we are behind on our mortgage, the customer service rep explained, did a conference call with a rep in the escrow dept & he verifyed this information as well that nothing was ever sent out to us regarding a mortgage increase because of our escrow.this is just XXXX of the many problems weve had with wells fargo being misleading, dishonest, unfair bussiness practicing & not upholding to their introduction on their customer service line when it comes to calls are being monitored & recorded b/c most of the customer services never document anything especially if wells fargo is in the wrong! i dont think this is fair that we the customer has to pay in so many because of their noncommunication, miscalculations & common sense should tell them that if a customer is paying their agreeed to monthly payments, then maybe there is a issue that needs to be addressed XXXX instead of slamming a customers credit!
Product: Mortgage

Yes I have a arbitration complaint sent to my attorney showing will filed a case and arbitration for a bankruptcy error was a legit scam pulling up a data breach and foreclosure of property. I have a case with my attorney to represent my account being restricted and the man was arrested in the process.
Product: Checking or savings account

On XXXX2024, my wife and I attempted to withdraw {$9000.00} from our Marcus by Goldman High Yield Savings account, and the withdrawal attempt was denied. When I called, I was told that the account was funded against their XXXX as it was funded by a business checking account from another bank that I own and am on the account for. Confused, they further told me that the interest accrued from the account, which has been open since XXXX of 2024 was null and void. I have requested that my {$500000.00} that I funded my account with transfer back to the original business account, and there has been no confirmation that the transfer was successful. Further, they are keeping the interest accrued despite seeing nothing in their XXXX  stating otherwise. All I could find was the following statement : " We only offer accounts to natural persons. Accounts XXXX only be used for personal, family, or household purposes, and can not be opened or maintained for business purposes. '' There is nothing else that states otherwise that I have seen that states I couldn't fund my high yield savings account with money from my business checking account.
Product: Debt collection

Subject : Formal Notice of Violations and Request for Remediation Dear Online Information Services, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner XXXX XXXX XXXX has handled my credit information. 

It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ), Ohio Revised Code ( ORC ) Section 1349.19, and ORC Section 1349.191. 

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19. 

I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ), Ohio Revised Code Section 1349.19, and ORC Section 1349.191. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ) and Ohio state law. Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. 

Moreover, I insist on Online Information Service providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ) and ORC Section 1349.19. 

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. 

I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.