23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Hello my name is XXXX XXXX, I am an authorized user to speak with. My partner XXXX XXXX is being harassed, threatened about a fraudulent debt. XXXX is an XXXX in the United States XXXX. XX/XX/XXXX was to be his last payment of {$450.00}. First Hawaiian Bank if accusing him now of owing an additional {$1600.00} due to late fees & interest accrued on those late fees and if he did not pay in full they would tow the car on XX/XX/XXXX. He was offered a " deal '' that he must now agree to pay {$450.00} per month until XX/XX/XXXX. We have proof via XXXX & XXXX stating that since XX/XX/XXXX he has paid on time & as agreed. We also have XXXX statements showing the allotment going out each month. 

Prior to XX/XX/XXXX he had been behind on payments. He spoke with XXXX at First Hawaiian Bank & received a 4 month deferment because he was willing to set up an automatic allotment. His original payoff date was XX/XX/XXXX. With the deferment it became XX/XX/XXXX. He was told upon asking that due to the deferment he would owe no late fees or added interest for the 4 months being deferred. He was also told his payment would not change. XXXX asked XXXX if the allotment which pays out on the XXXX for the military would be alright with his pay dates. XXXX stated it was alright and if there was a problem he would submit the paperwork to fix the issue for XXXX and not to worry. 

XXXX has not heard from First Hawaiian Bank regarding any issues since XX/XX/XXXX when he spoke with XXXX until XX/XX/XXXX. He received no letters at all, no mail, no notices. On the XXXX he started getting the harassing phone calls, even while at work. I believe he is being the victim of a predatory bank simply because he is in the military and stationed in XXXX rather than XXXX. They are threatening his very livelihood and military career as he would lose his clearance level if they repo the car. 

Desired Resolution : First Hawaiian Bank cease and desist with all harassment. Give a formal apology to XXXX. Drop all fraudulent fees immediately. First Hawaiian Bank will honor the original agreement as was put in writing, stating once the allotment was in place XXXX would have no late fees, no added interest, and final payoff would be XX/XX/XXXX in the amount of {$450.00}. First Hawaiian will mark loan as paid in full and release title to XXXX. 

In summary First Hawaiian bank has the original documentation by XXXX stating all was taken care of, the allotment would be fine as it was, keep original payments of {$450.00}, there would be no late fees or additional interest. The loan would be deferred and therefore extended to XX/XX/XXXX the pay off. We have documents from XXXX different credit agencies showing that First Hawaiian reported XXXX as paying on time, as agreed since XX/XX/XXXX after speaking with XXXX and setting up the allotment. We have XXXX statements showing the allotment for the payment. We have received no written notices, only harassing, threatening phone calls. We wish it to stop and for XXXX to pay off his loan XX/XX/XXXX as agreed and be issued his title showing free and clear as well as loan documents stating paid in full.
Product: Credit reporting or other personal consumer reports

Name- XXXX XXXX Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX XXXX. 
DOB- XX/XX/1993 SSN- XXXX On XX/XX/XXXX i received my updated credit report from Equifax and noticed multiple discrepancies. I had previously sent them a letter letting them know some unauthorized and inaccurate accounts reporting on my credit profile, however nothing has changed. 

I'm afraid the inaccurate information on my profile is holding me back getting approved for a house for my family. 

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. 

I told Equifax to reinvestigate these accounts : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Capital XXXX : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX : XXXX However, they stated everything was complete and accurate. 

But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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.

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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX mailed me back a pile of invoices and a letter claiming they dont want to help me. My initial complaint was based off incorrect information that was being reported to all 3 credit bureaus and charges from ex boyfriends transactions as a authorized user that were not authorized. However, the company failed to keep up to date records about a past delinquency due to unemployment and my ex boyfriends ( unauthorized ) credit card charges. The debt has been paid for and should not be reporting because there are fraudulent charges from my ex boyfriend after I broke up with him in XX/XX/XXXX. I feel the information on my report is being used unfairly against me and the bank refused to help me in my situation. The debt has been paid and it has been 7 years and should be removed from all 3 of my reports. The delinquency was fraud and the bank failed to properly investigate my case and I was not able to make my payments. I had positive payment history before the period of unemployment and want the accounts off my credit report due to the fact I paid the debt and I dont want to keep being barred from employment opportunities.
Product: Debt collection

The company, Hunter Warfield continuously contacts me demanding a payment. I constantly tell them Im experiencing a hardship and Im homeless I can settle for {$500.00} and they continuously deny but have already reported it to credit and have evicted me which Ive never been served with court papers I have reached out to XXXX property management. They tell me I need to reach out to Hunter Warfield for a settlement and Im going back-and-forth my last correspondence with the collection agency. I had several agents calling me in a rude manner. I had to complain one person put me on a do not call list and I never said to not do that. this company is asking for {$5700.00} I have never gotten a breakdown of what I owe. They only send me one single letter with the balance via email.i cant pay this with me being homeless and a single mother too. It is impossible for me to pay this and still save to get into a home. I have let them know this multiple times they continuously harass me
Product: Mortgage

I received an erroneous letter, titled payment reminder. I have not ever been late on a payment, I am and have always been on automatic draft for the due date of the XXXX of each month. It appears the mortgage company coded the payment as being received XX/XX/year> ( per my mortgage statement ). However, a letter was sent to me XX/XX/year> stated payment reminder notice dated XX/XX/year>. 

The bank has repeatedly made mistakes with the servicing of my loan from the previous NSF charge around this same time last year that they explained was a courtesy as being removed. I never received an NSF from my bank for that transaction. I provided all of my bank statements to the mortgage company, called several times and they still made it seem in their response as if it were my fault. I am on an ACH draft, how can I be late if the payment was received and the ACH is within your control. I managed the ACH in mortgage compliance for greater than 20 years, your draft request had to have been issued late and I bet I am not the only customer experiencing this matter. 

My statement date is XXXX ( generated ), it shows a payment received XXXX. 
Your letter for the payment reminder was dated XXXX " ( before my due date and draft date of XX/XX/year> ). 
Per my bank, XXXX the actual draft ACH Debit - Freedom Mtg Pymts XXXX ACH Debit Transaction Amount- {$1600.00} Running Balance {$1400.00} The current issue you will be able to see their mistake, as a previous mortgage compliance officer of XXXX, I know for a fact it appears thee act request must have gone to the bank late. the XXXX was a XXXX, the following Monday was a holiday, banks would have been closed. Either the departments are not working together or someone is missing a check and balance because this letter should not have ever been sent, just as the PMI letter previously.
Product: Student loan

When I graduated from college in XX/XX/XXXX, I was not able to find a good job and I had XXXX children at home. XXXX never offered any income driven nor lowered payment plan that might help me pay my student loans. They just kept putting me on deferment every 6 months until my deferment ran out. Then they offered me forbearance. In XX/XX/XXXX, my husband was laid off from his job. That lasted for 2 years. My payments should have been lowered but XXXX only offered me deferment, not a solution to help me repay my loans. I have almost exhausted all of my forbearance and I am still having trouble paying my student loans, 10 years later. Last year, I had applied for an Income Driven Repayment and the loan counselor asked me to submit my tax return and my pay stubs for me and my husband. The part of the office at Navient that calculates the repayment told me that my monthly payment would be about {$900.00} per month. I told them I could not afford that much and that it should be lower according to my tax return. Each time I called them, the loan counselor would extent my forbearance for 2 or 3 more months until they could figure out what they had done wrong. They would tell me that I should only be paying around {$500.00} but they were unsure what they had done wrong in calculating the amount. It took from XX/XX/XXXX until XX/XX/XXXX to figure out that they needed to only use my tax return and not by pay stubs and tax return to calculate my payment. They used 10 months of my forbearance time to fix their mistake. My payments were recalculated to around {$370.00} per month. Now I am facing XXXX which will put me on temporary XXXX and I 'm afraid to call them to see what happens next. This has been a nightmare dealing with them.
Product: Payday loan, title loan, or personal loan

Tried to get a consolidation or home equity line of credit with TD Bank 's Loan Dept. on XX/XX/XXXX, XXXX Credit scores were XXXX in XX/XX/2023. Submitted every paperwork they asked for in a timely quick manner. Have worked for 45 years and owned credit cards paid always on time. Need loan to pay off credit cards and do home improvement. Was told not to pay off credit cards pending loan approval. I asked to have my house which has no mortgage since it is paid off used as collateral. No one from TD Bank mentioned you can't use a home as collateral until 6 months after owning it to use half its equity. Waited and waited till 6 weeks until a loan processor for TD Bank told me he needed a Closing Disclosure statement from me and my closing attorney when in fact if you do not have a mortgage you do not need this disclosure statement. At which time at 6 weeks, my loan was denied and my credit scores have plummeted as I am having a hard time paying them off.
Product: Debt collection

Enhanced Recovery Corp  is unable to collect in Texas.   Sectio n 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection i n Texas unless the third-party debt collector or credit bureau has obtained  a surety bond  and filed a copy of the bond with the Office of the Secretary of State.     ERC opened a collections account on  XXXX / XXXX / 2017 .
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to rent an apartment and got declined due to someone using my name and information! The following accounts are fraudulent : 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. I have filed a report with the XXXX Police Dept and a complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

Account was resolved as a paid deletion on a recorded line and it has been more than 45 days since I was promised that the collection information would be removed from all credit reporting agencies. XXXX XXXX XXXX connected with Superlative RM to handle this account and payment was made and deletion and part of the recorded conversation with Agent XXXX XXXX [ XXXX ] on XX/XX/2023 Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint submission is in regards to an Unauthorized Inquiry reported by CITIZENS BANK. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I have not done any business nor have any revolving accounts with them. CITIZENS BANK is currently in violation of the Fair Credit Reporting Act, 15 USC 1681. I spoke with a Supervisor in the Consumer Finance Department by the name of XXXX XXXX, who claim they don't have anything on file. I then received their Fax and Mailing address to forward them an Inquiry Validation letter. The Supervisor XXXX stated to send everything over and they will fax all correspondents to the number provided. A fax confirmation was received on both ends and I still haven't received a response since XX/XX/2019. It was confirmed through my fax machine that the Supervisor XXXX had received the files ; however, after more then 15 days of notifying them, still no response. I specifically asked for proof of me agreeing with a signature or judgment by law stating I gave my legal consent to conduct any credit inquiry. I have never made any agreement with them nor plan to in the future due to the poor service I received to rectify this matter. I am requesting CITIZENS BANK immediately remove me from their systems, remove the Hard Inquiry on me, and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Once again, CITIZENS BANK is currently in violation of the Fair Credit Reporting Act, 15 USC 1681, and if this report is not updated immediately I will be taking legal actions.
Product: Mortgage

I have certified statements from the loan servicers Seterus ( represented XXXX XXXX ) and XXXX XXXX XXXX that show payments reversed and held in suspense, Accounting records supplied by XXXX prove payments backdated and not applied to the old loan and never credited to modified note. I have proof of claims filed in Bankruptcy cases, two years apart that shoe the loan Backdated by XXXX starting date of XX/XX/XXXX in the XXXX filing and further backdated to XX/XX/XXXX in XXXX filing. I have letter from XXXX XXXX legal dept that shows the original loan sold for {$55000.00}. in XX/XX/XXXX and the modified loan per Seterus shows {$100000.00}. that was presented on XX/XX/XXXX but I didn't sign until XX/XX/XXXX after being threatened with foreclosure but Seterus did not sign until it was sold by XXXX XXXX
Product: Vehicle loan or lease

My father went for a repair on his financed XXXX XXXX at XXXX XXXX in XXXX New York. Repairs were so high service manager convinced my father into trading for a new car with better monthly payments. Due to my father bad credit Acura couldnt make that happen so they decided to add me to co-sign. My father doesnt know English and not good with reading contracts so everything he signed was verbally agreed with the dealership on whatever they told him. I was not in the dealership and was out working so they called me to give them all information to close the deal. They told me he would be paying the same amount even though it was a much cheaper car than what he previously had, but they said if he paid on time they would give him a better deal after the first year which I agreed. So the sales person came to my work place at about 12 midnight having me sign about 20 pages & basically just gave me a summary of what I was signing. So when I received the first month bill of {$900.00} I was shocked & called to see if it was a mistake. My father was paying about {$700.00} for a financed XXXX  XXXX XXXX and now he is paying {$900.00} for a cheaper car & is a lease which payments shouldnt be that high. I requested to take back the car or re negciate & dealer kept dodging me. I tried to meet with general manager and he was never available. Just want to see what can be done. It has been a couple of months already & I been helping my father with lying off the car but I just cant afford it and dont want to ruin my credit. I recently called Acura financial services and they told me the dealer even added a whole bunch of add-ons to the car to make payments higher which is very un professional.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 a Business account of JP Morgan Chase Bank was wired XXXX from my SBA loan account. Immediately upon not receiving the merchandise Chase was warned that the account the funds were wired too was a deceptive business who had been pirating photos of equipment on the internet and selling via multiple mediums to multiple people. Evidence was provided of piracy, and other victims. Chase said only the sending bank needed to reverse the wire. When sending bank attempted to reverse it, instead of letting the reversal go through or temporarily freezing the funds and opening an investigation, Chase took the response of the accused business that they " by terms of contract " they had 30 days to ship. There were no such terms, with out investigating or asking for proof Chase denied the reversal. Over 30 days past the incident sending bank asked for follow up and again Chase did nothing. I have researched and believe the offender does not have a Federal tax ID number and should have never been granted a business bank account. Chase representatives have not followed up with me or sending bank. Lack on their part of any investigation or attempt to stop this criminal
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX
Product: Mortgage

In XXXX we brought house at XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. 
In XX/XX/XXXX my husband had a XXXX  XXXX, that left him XXXX on right side and is XXXX I had to take time of from my job to assisted my husband. We did not received any XXXX until 2 years later with no back pay.. 

From that time and until XXXX. We have been struggling with keeping our home under XXXX XXXX XXXX XXXX and Fay Sevicing. We tried to do modifications several times and was denied. 

On XX/XX/XXXX, our home accidentally caught on fire and the house was totally burn down. It took been 2 years and the house is just now starting to be work on. Fay Servicing received full payment from my insurance company.. My constructor XXXX  XXXX  received some of money for Fay Servicing to start Construction on our home. 

In the meantime on XX/XX/XXXX a motion was file to Civil Court to reinstate a sale date. It was filed under a new bank named XXXX XXXX XXXX XXXX as trustee to our home to our home. We were never served a with any correspondents that XXXX XXXX XXXXXXXX was one of parties of interest to the house. We were not served and XXXX XXXX  is requesting a sale date. 

And also if XXXX XXXX  is granted sale date of property in present condition then we would have a huge deficiency judgment left on us. 

For years we have been trying to save our house and to no avail. 
We need help to save our home. 

Thank you for the cooperation in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reporting 24 incorrect late payments from XXXX  on all the XXXX accounts. XXXX and XXXX have been updated but unable to resolve issue with Transunion. Companies are required to report accurate information on all accounts.
Product: Credit card

Dispute as it pertains to company ; Capital One. Pursuant to communication XX/XX/year>. Capital one was forwarded information by a senior executive or supervisor as it pertains to the closed account for immediate escalation into certain information not being provided. I have requested for Capital One to forward information as it pertains to NO BALANCE on the account. I am formally requesting that the information be provided within this complaint in writing. ( Card number ending in XXXX ) Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

File a dispute with XXXX which DID NOT investigate this and left it unchanged. This account is the result of identity theft and XXXX is refusing to correct it. Phoenix Financial deleted it from other credit bureaus. 
I initiated the dispute on XX/XX/XXXX, and by XX/XX/XXXX their " investigation '' was done. However, you can see by the dates below, which show on my credit report, that no investigation took place and the account was last updated on XX/XX/2022. 

Account info : PHOENIX FINANCIAL SERVIC Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Account number : XXXX Account type : Collection Responsibility : Individual Date opened : XX/XX/2022 Status : Collection account. {$1.00}, 334 past due as of XX/XX/2022. 
Status updated : XX/XX/2022 Balance : {$1300.00} Balance updated : XX/XX/2022 Recent payment XXXX XXXX XXXX Monthly payment : {$0.00} Original balance : {$1300.00} Highest balance : {$0.00} XXXX Months On record until : XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

The following One Main Financial Bright Way XXXX account currently listed and showing on my XXXX and XXXX credit report is lost/stolen : XXXX. My One Main Financial Bright Way XXXX credit card is lost/stolen. My lost/stolen One Main Financial Bright Way XXXX Account Number is : XXXX.
Product: Mortgage

Wells Fargo since XX/XX/XXXX to present has not applied bi-weekly payments ( XXXX  ) correctly. We still have a 30 year mortgage. From XX/XX/XXXX to XX/XX/XXXX. We were overcharged in our Escrow account from XX/XX/XXXX to XX/XX/XXXX. We closed the escrow account in XX/XX/XXXX.