23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX sold loan to Carrington Mortgage Service, LLC on XX/XX/2016 -- -- XXXX last statement to me was dated XX/XX/2016 which listed my XX/XX/XXXX Payment. I had to contacted them about my XX/XX/XXXX and XX/XX/XXXX Payment which were never generated on a statement which I thought was a banking requirement. They were eventually able to give me my balance after I complained. I believe XXXX should have been required to give out a statement with the Balance Amount at the time of the transfer of both Principle and Escrow. 
ISSUES with -- -Carrington Mortgage Services , LLC . My problem is with making PRINCIPLE ONLY PAYMENT. Their online payment system only allows additional principle payment in conjunction with full monthly mortgage payments. They have an Other Amount option but have gives you know way to identify where or how you want that Other Amount of money will be applied ( additional Escrow, Principle or Monthly Payment ). I believe I 've found a work around with the online system that may work but why do I have to work this hard to make PRINCIPLE ONLY payments!!!! I have several payment that were not process correctly. The time frame for the correction was stated as 20 BUSINESS DAY which is a full month to get funds removed from regular payments to PRINCIPLE ONLY payments. I was later told the processing time is only 3 to 5 BUSINESS DAY, however that has not been the time frame for my two prior issue with the payments. I have issue making my principle only payment online and with a real representative by phone. I 'm not received any paperwork on any of the PRINCIPLE ONLY issues or correction of those issues. I would think correspondence would be required by law. My complaint main is that PRINCIPLE ONLY OPTION should be required to be easily available to facilitate early loan payoffs and debt reduction.
Product: Debt collection

XXXX XXXX XXXX is trying to say that I owe on a military loan that I took out in 2017 from a place called XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX buys bankruptcy claims, according to their website, and I have NEVER filed for bankruptcy. Two, any military personal loans that I have gotten was from a different company and showed paid off in full on my credit report. I have never received any sort of communication from this company, just that I showed up on my credit report a few weeks back. I disputed it and it did not get removed. I am in the process of reaching out to XXXX XXXX XXXX to get some type of paperwork that will prove I have never had an account with them and submit it with my dispute. I was working on trying to get my credit score up in order to purchase a home and this company has really hurt my score. I will NOT pay a debt that is not owed. Also, if what they are saying is true, then why did it JUST hit my account, even though it's never been on there from the other company or them. This company may be a legitimate company but they are trying to commit fraud and collect money that is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I went to the XXXX XXXX XXXX XXXX dealership ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ) to look at the new models on XX/XX/XXXX. 
2. A sales agent talked to me ( XXXX XXXX ) and requested basic information about name, phone, etc. 
3. On FOUR occasions during our talk I stated emphatically that I did not want a " hard pull '' or any attempt to obtain my credit report, as this would impact my credit rating and Fico score.

4. She agreed each time and directly told me she would not take a credit report or a hard pull that affects credit.

5. Nonetheless, she gathered enough information so that she indeed DID, deceitfully, obtain my credit report.

6. She further shielded this by NOT giving me any credit numbers, but saying I was " approved. '' 7. On returning home, I did of course discover on my various credit-following apps that there had been a credit reported pulled, AND that my credit score diminished.

8. On phoning her back the next day, she again DENIED that she had done it, or that my credit rating was affected in any way!

9. I was told that the sales manager ( XXXX XXXX XXXX XXXX XXXX ) would " get back to me. '' No one has since that day. 
10. I contacted the owner/president of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and described the situation. I have not had any response. 
I am in the process of trying to have the consequences of this illegal and deceptive action reversed at the credit bureau, but there is no resolution at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis I received a url to use to obtain my credit report. XXXX. This url containing my credit report never came up. I emptied my cache for my IPad and used XXXX different computers and the url never came up. So I was unable to get my credit report. I contacted Lexis Nexis twice and they were very un helpful. I believe Lexis Nexis is acting in bad faith by not activating the url given.
Product: Debt collection

Portfolio Recovery Associates, LLC at XXXX XXXX XXXX, XXXX, VA XXXX has been sending me collection notices in the amount of {$1200.00}. This collection has been reported as past due balances. I do not know this company. I have never done any business with this company. The company does not have a contract with my signature. 
Furthermore I've filed the original debt in the amount of {$1200.00} as part of my income as required by the form 1099-C sent by the original creditor XXXX XXXX XXXX Lastly, after doing so, XXXX XXXX still sold the debt.
Product: Debt collection

I was making payments with the collector. I asked for monthly notifications to be sent however they never were. I forgot to make a few payments and the collection agency reached out. I was speaking with them about starting back up payments. I was working with them and reaching out several times via phone and email where the agent I was assigned was not responded. My account got garnished!!! I tried calling other numbers and found out the agent I was working with was no longer at their company!!! This caused a huge about of hardship on me and my family. It took a long time to get my bank account unfrozen. I couldn't even make mortgage payments with my account!!!! I worked with them to resolve just so I could get my bank account working again. After I asked them to work with me on a new settlement and they declined. I feel it's very deceptive for a company not to send monthly statements. Most people in my position are VERY busy and trying to keep their heads above water. I was working 3 jobs at one point, have 3 children, etc. XXXX XXXX XXXX should be investigated! Capital One shame on you for hiring a deceptive debt collector that prays on customers!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Round Complaint Regarding Inaccurate Late Payments - Account XXXX XXXX XXXX Dear CFPB, I am filing this formal complaint against XXXX and TransUnion for failing to correct inaccurate late payment information reported on my credit report for the account with XXXX  XXXX, account number XXXX. Despite submitting two prior disputes on XX/XX/XXXX, and XX/XX/XXXX, the inaccurate reporting remains unresolved. It is important to note that XXXX has already corrected this error and updated my report to reflect a positive status. We are now awaiting similar action from XXXX and TransUnion. 
Violation of Consumer Protection Laws This situation constitutes multiple violations of federal consumer protection laws, as outlined below : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Credit reporting agencies are mandated to ensure the accuracy of consumer file information and conduct reasonable investigations upon receiving a dispute. In this case, your failure to address my concerns effectively violates this provision.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to maintain maximum possible accuracy in credit reports. The continued presence of this error contravenes this obligation. 
Truth in Lending Act ( TILA ) : 15 U.S.C. 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The reported late payments suggest a failure by the creditor to comply with this statutory requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely statements and prevent unfair penalties to consumers. The reporting error unfairly impacts my creditworthiness. 
Details of the Inaccurate Reporting Creditor : XXXX XXXXXXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX and XX/XX/XXXX Status on XXXX XXXX Corrected to reflect positive status. 
Status on XXXX and TransUnion : Still inaccurately reported as 30 days late. 
Evidence Supporting the XXXX XXXX reports from all three bureaus ( XXXX, XXXX, and TransUnion ), showing discrepancies. 
Copies of my previous dispute letters dated XX/XX/XXXX, and XX/XX/XXXX. 
Personal identification documents to verify my identity. 
Desired Resolution I formally request the following : Immediate removal of the inaccurate late payment notations from my credit reports with XXXX and TransUnion. 
Written confirmation of the corrections made. 
Assurance that my credit file will be monitored for ongoing accuracy. 
If this issue is not resolved promptly, I will escalate my complaint further by filing additional grievances with the Consumer Financial Protection Bureau ( CFPB ) and pursuing potential legal remedies. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX2020 I purchased XXXX XXXX XXXX used car fr XXXX  XXXX  XXXX XXXX Located XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX SALES PERSON SAID YOU ARE APPROVED CAR LOAN HE SAID HE DON'T KNOW FOR RATE & INTEREST WHEN WE FINALLY FINISHED paper work i find my cr scores was XXXX they charged me 19 % interest i couldn't believe it i said my self when I go home chk my cr score again I come home I checked my self my cr scores was XXXX XXXX  XXXX XXXX XXXX XXXX XXXX i called DEALERSHIP 3 times to fix this problem they didn't do & said anything
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. 

XXXX XXXX XXXX : Amount : {$980.00} Account # XXXX XXXX XXXX XXXX : Amount : {$4700.00} Account # XXXX XXXX XXXX XXXX : Amount : {$1400.00} Account # XXXXXXXX XXXX XXXX XXXX : Amount : {$1100.00} Account # XXXX XXXX XXXX XXXX : Amount : {$8000.00} Account # XXXX XXXX XXXX XXXX : Amount : {$370.00} Account # XXXX XXXX XXXX XXXX : Amount : {$370.00} Account # XXXX XXXX XXXX XXXX : Amount : {$2100.00} Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 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: Money transfer, virtual currency, or money service

I filed a fraud claim around a month ago. There's a n unrecognized transaction in my account which is not made by me, transfering XXXX XXXX to someone in don't know. But at XXXX the transaction was forced to make through. 
I file claim but it was rejected by Chase today saying it is a verified transaction. But I didn't make the transaction at all.
Product: Bank account or service

I have had trouble with depositing cash at PNC bank 's atms. 
I have a case number for reporting this on XXXX XXXX, and XXXX, 2016. 
case number is XXXX. 
I deposited {$25.00} on XXXX XXXX at XXXX XXXX and tried to deposit more, it kept spitting out the money. Today they gave me XXXX overdraft fees of {$36.00} each. When I just spoke to them, even if it would have taken all the cash, now their committing fraud again ( I was already in a class action law suit against them for accepting checks before deposits ). Now their trying to tell me that depositing the {$25.00} went after they let checks come through. 
I have the receipt to prove the balance at the time of the deposit. This is why there was a class action law suit against them. Their trying to tell me that after XXXX all cash deposits through the atms are for the next business day. I was told that all deposits are put in the account immediately. Not only did they not put the deposit in immediately, but they put the incoming checks in before the deposit. There is a law that they should follow, that the deposits coming in that business day go into the account before the incoming checks! 
I want the XXXX {$36.00} fees reversed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit card or prepaid card

Had a PayPal Credit account financed by Synchrony Bank closed abruptly and without warning. This account was opened in XXXX with a limit of {$1200.00}. This account had a very low balance ( ~ {$100.00} being utilized ) at the time of closure. In XX/XX/XXXX the account was closed by Synchrony Bank ( creditor ) according to a phone call placed to XXXX on XX/XX/XXXX. Originally called PayPal Credit who said a letter should be mailed out and to contact XXXX. Called XXXX  and was told to contact the creditor for additional information. Tried multiple times but is impossible to contact a service representative for information. This sudden closure damaged by credit score and erased years of positive progress.
Product: Mortgage

XX/XX/year> I applied for a mortgage loan with Axia Home Loans. I provided all documentation needed, check stubs, letter of employment gaps, student loan information and right to purchase document from homepartners. 
On XXXX, I was advised by XXXX XXXX I can exercised by right to purchase my home and put the 3 day notice in. All i would need is XXXX to close. 

XXXX I was told there was an employment discrepancy and that XXXX doesn't qualify as still employed and starts the timeliness over for my employment. 
I was then told I was no longer approved after getting the money, making arrangements and payments with student loans per their instruction. 

The detriment has been a stain for the last XXXX years. 

The company movers with despite their errors and ability to manual close and I was not able to
Product: Debt collection

i have contacted FAIR COLLECTION AND OUT many times since receiving a bill from them about a previous apartment. Before sent to collection, i asked for verification of debt because i was shocked that i owed anything. Even representative there did n't know why the amount was so high but referred dispute to XXXX XXXX, where they continued to verify as accurate. The same manager whom i filed XXXX XXXX complaints on, XXXX because i was asking for a provisional credit because AC was n't working for months properly and had inflated the cost of my electric bill and not livable for me and my XXXX year old son because it would get over XXXX degrees. This went on for close to 4 months. Also, another occasion where she slammed the front door in my face because i did n't agree with the credit that was given. I told the collection company that i did n't agree with amount and i wanted proof of all charges, not just a basic " verification of debt ''. I received all charges but only a few days before they stated they would place on reports. Even after receiving docs on XXXX/XXXX/16 i still did n't agree and asked to hold off on any reporting because i wanted to verify amounts charged because it took months and months to get those documents to me. I even said, " I dont agree nor take responsibility for these charges but willing to pay a payment agreement until rectified and a credit could be issued. I was told i could make no partial payment and that i needed to pay in full. She also advised that even though i do n't agree, and she did n't agree with amount of charges they disputed with XXXX months back and they are only required to dispute once. I have included a copy of all charges, which show for address IM NOT responsible for. I lived at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX and charges are for Building XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. I have included copy of lease and copy of dispute sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX, I sent out a notice to all XXXX  credit bureaus stating I want all of the incorrect names and addresses removed from my credit report. They were removed from XXXX XXXX and XXXX with no hiccups, but Experian is giving me a little bit more trouble and not removing some addresses. I have also called and still cant get a removal, I should not be having this much trouble. I sent them a copy of my ID and I sent them a copy of my utility bill showing that with my name and my correct address on there I can not correctly dispute accounts and hold them liable if I can not get those addresses removed. I feel like this is there way to get out of investigating inaccurate accounts. I am entitled to a complete and accurate credit report according to the FCRA.
Product: Debt collection

XXXX attempted to garnish my Government issued travel card I have for work XX/XX/XXXX. I am a federal employee and they attempted to garnish the XXXX account that services it. They are still actively trying to garnish wages at several past employers for a credit card that I defaulted on in XXXX. The original creditor is XXXX  XXXX, it has been removed from my credit report for a while now. But the third party collection agency - LVNV Funding LLC still actively attempts to garnish wages and harass me by mail. Original card balance was {$870.00}, they are claiming I owe over {$1200.00}. I have asked them to stop contacting me, they wont.
Product: Checking or savings account

Bank of America reported on XX/XX/14 suspected fraud activity but I didn't do anything except take a check from someone but me and the person didn't know the account was closed till the bank told me and I tried to tell the bank I didn't know the person account was closed till 5-6 days later compared to when she wrote the check I did not know if the account was closed or open.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in ( XXXX XXXX XXXX ) to be removed. 

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 XXXX  days before the payment due date. 


( XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Checking or savings account

For my account XXXX, they sent the remaining {$1200.00} back to the IRS. However, there were some ATM disputes that were left and they replenished $ 800-1,000 back into my account AFTER the money was sent to the IRS XXXX So now there is a balance in my account that is owed to me. I need that sent to me.
Product: Credit reporting or other personal consumer reports

Equifax is reporting these hard Inquiries from : 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 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 is reporting these hard inquiring from XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX I dont recognize these lenders, and I dont remember authorizing them to perform a hard inquiry on my credit report. 
I send them certified mail to delete those inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

According to my credit report, I noticed my privacy rights were violated. 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 an 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. The accounts that are in violation of my rights are 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 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