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

How many times do I have to tell the Credit Bureaus that the references for the late payment on these accounts are erroneous and misleading causing negative impact on my Credit File? Through a written letters sent on XX/XX/2022, I requested the Credit Bureaus for the investigation and correction of these accounts and yet upon reviewing an updated copy of my Credit report, it is clear that they have done nothing. Let me remind the Credit Bureaus that they are obliged to investigate and update these accounts per consumers requests under the FCRA regulation. The 3 credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Once again, I am requesting that the Credit bureaus take their time to THOROUGHLY investigate and CORRECT these accounts to report accurate information on my Credit Report. 
XXXX. DPT ED/XXXX XXXX Balance Owed : {$2300.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$10000.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$5500.00} XXXX. DPT ED/XXXX XXXX Balance Owed : {$3200.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$5500.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$10000.00} XXXX. DPT ED/XXXX XXXX Balance Owed : {$4700.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$4600.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$10000.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$1700.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$4900.00} XXXX. DPT EDXXXX XXXX Balance Owed : {$5700.00}
Product: Credit reporting or other personal consumer reports

Accounts are showing " charged off/ purchased by other lender '' but still show a past due balance as well as late payments. 
Collection account is only showing on one of my credit reports and was deleted from the other two credit buraus.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/2024, XXXX  Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX  Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2024
Product: Debt collection

XXXX XXXX XXXX Repossessed vehicle and sold it at a profit. They sent me a letter stating that I still owe them XXXX dollars. I paid XXXX in interest before they repoed vehicle unexpectedly. 

Also speedy Cash is threatening me to garnish wages and Sue me for XXXX in lawyer fees and court costs.. 
The debt is old and they sent me a threatening letter demanding payment.
Product: Mortgage

I started the refinance process with LoanDepot on XXXX with an promised close in 45-50 days, max 60. Once documents were submitted everything went silent and I have not been able to reach a single person via e-mail, phone, or through the portal since. In the beginning the questions were not urgent, so I let it go that no one would respond. Then a couple weeks ago I received a letter that my home insurance has been moved over to LoanDepot, but we have not closed. This is now a concern and I have been trying for weeks to contact someone, with zero response. Today I received a new, generic e-mail stating they are working on my loan and someone would contact me in 7 days. The final date to close date is in 5 days, XXXX ( 60 days ). I tried to respond to this e-mail e-mail, then again by phone, and again with the portal in a panic and nothing. Today they changed the date to XXXX with absolutely no information or notification. What can I do? Even if I wanted to walk away and stop the process, how can I when absolutely no one will response or answer their phone? I've e-mailed four seperate people, multiple e-mails, left voice messages with three people, and have sent three to four messages on the portal. I feel completely trapped with no recourse.
Product: Mortgage

After doing a loan modification we received an approval but the payment was too high for us. To save our credit we decided to do a short sale with XXXX. When we began this process we were less than 4 years behind on the mortgage. XXXX took forever to work out our short sale and then they transferred the loan to XXXX XXXX owner of the loan is HUD ). We then had to start the process all over again. 

HUD recently denied us stating we are 40 months past due so they wont review our short sale. XXXX did an appraisal which came in at {$470000.00} three months ago and the offer is a full price offer which is {$470000.00}. HUD has denied giving us proof of this 40 month rule saying its an internal rule and there is nothing on paper. Even if this so called rule does exists, the basis of it makes no sense to all parties involved, included HUD. 

The short sale has been in process for 2 years. The bank has done several appraisals showing value of XXXX. The offer is {$470000.00}. The buyer has stayed around through delay after delay and has a family which they were trying to place in the home and in the school system. Why would HUD want to waste tax payer money to take a home in which they have an offer at the the current value of the home? We understand the borrower is behind and he is trying to do everything to avoid a foreclosure. There is no justified reason to let this house go into foreclosure when we have such a solid offer, again, at the market and bank value. 

HUD will have to evict the owner after a foreclose and then resale the house which could take a few years and will end up with a potential offer lower then what we have or at the very least equal to it. After taking into consideration fees, costs and expenses over the next 12-18 months HUD will take even more of a loss then they have which in turn will cost tax payers even more money that can be avoided. We have a strong buyer who can close within 45 days of short sale approval. Please have this decision overturned and approve the short sale. 

( XXXX ) XXXX case # XXXX. This is the contact information we had and spoke to several reps.
Product: Debt collection

I comprehend that under FCRA XXXX, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.
Product: Student loan

I keep receiving repayment notices ( via email ) saying I owe them a payment. Due to the fact that my loans are from XXXX XXXX XXXX, I am a part of the Sweet vs. Cardona lawsuit, and the Presidents request in XXXX that all predatory loans from closed schools be discharged, I shouldn't have any payments due. My loans were automatically put into forbearance until XXXX, I have not heard from Mohela that this has been changed, and if it has, why?
Product: Credit card or prepaid card

By the end of XX/XX/2018 I submitted an application for a credit card in response to an offer from REGIONS. 
On XX/XX/2018 Regions sent me a letter in which the bank states that " after carefully reviewing your application, we regret that we are unable to approve your application at this time ''. 
According to that statement key factors that adversely affected my credit score were : 1.- Length of time retail accounts have been established is too short. My average length of time in those accounts is 10 years or more. 
2.- Too few active mortgage accounts. I do not have any mortgage account because my properties ( 3 ) have been paid in full. 
3.-Insufficient prepayment activity on installment accts over the last year. 
4.- Too few recent balance in full payment activities. 
I pay all my balances in full before the due date. 
Never in my life I have been denied a credit card before by any financial institution. 
My credit score is second to none and my FICO score is XXXX. 
I wander if this is a case of XXXX discrimination since I am of XXXX origin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with fraudulent unauthorized inquiries
Product: Credit card

Today I applied for a PenFed Credit Union XXXX card and was denied. I have good income for years, and my XXXX score is XXXX, and XXXX is XXXX. I am XXXX, however, and I think my last name may be red-flagged by PenFed. Why else would I be denied? I just recently was approved for a XXXX card with a {$6000.00} limit, and a home improvement loan of {$30000.00}. This is unprofessional, and CFPB should look into this. The same thing happened to me at XXXX last year. Something is amiss. And it 's not my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.XXXX {$170.00} U S DEPT OF EDXXXX XXXX {$2000.00} XXXX XXXX  XXXX XXXX {$46000.00} XXXX   XXXX {$1900.00}
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX and have been doing XXXX work for 25 years. I've never run into a situation like this before but long story short, I was hired to do a XXXX XXXX job for approximately {$4500.00}. 

I was paid {$4000.00} as a down payment with the transaction being processed through square. 

XXXX : XXXX Receipt Number : # XXXX The transaction was successfully processed, at which point two days later the funds were auto transferred to my checking account in the amount of {$3800.00} Square took out a processing fee of {$140.00} This part is normal and expected, however, after funds were secured, the customer attempted to do a chargeback fraud scheme against these funds and I declined to participate in this scam, instead withholding the money this person paid as a down payment on the site as payment for services rendered since I had done what I was hired to do - build a website. 

This person then disputed the charges, saying they did not recognize the charge. No matter how I look at it, at this point, the charge was fraudulent. Either the cardholder is trying to do a chargeback scheme, or someone got someone else 's credit card number and is trying to pull this stunt. Either way it's obviously fraud at this point. 

It was decided in the cardholders favor to revert the funds back to their account. Square withdrew  {$4000.00} from my account in response to this dispute and subsequently handed these funds over to the credit card bank. 

However, Square did not revert the service fee charged against this transaction. It has been my experience that this is NOT normal. For example, XXXX will revert service fees in cases like this. 

Therefore, Square is knowingly participating in collecting funds off fraudulent transactions and making the merchant ( me, in this case ), pay the service fee on behalf of Square, so Square can still pocket the fraudulent funds they made off the service fee. 

In other words, I received a {$4000.00} payment. {$3800.00} was deposited into my account, so Square pocketed {$140.00} as a service fee. Now, both Square and I have money from a fraudulent charge.

Square made me pay {$4000.00} back on that fraudulent charge, and they still kept the {$140.00} off the fraud charge, making me pay that extra {$140.00} on their behalf so they can keep a portion of the funds received from a fraudulent charge. So now, I've paid back the money from the fraud charges so I no longer have fraudulent money. However, Square still has {$140.00} from this fraudulent transaction, so they are knowingly keeping fraud money and making the victim of this fraud ( me ) pay the {$140.00} of fraud money back on their behalf. 

Is it even legal for a company to knowingly keep funds and profit from a fraudulent charge? Because this is exactly what they are doing. The {$140.00} of the fraud money they're still pocketing, and making me pay back that money on their behalf so they can keep their part of the fraud money. That seems really shady and illegal to me.
Product: Student loan

Hello, I recently received a notice stating that the owner of XXXX XXXX is being sued for " using illegal tactics to induce students into taking out private student loans ''. I graduated from XXXX XXXX in XXXX, California, in XXXX of 2014. In XXXX 2014 I found out that my XXXX. I was not able to use the job finding services that XXXX offered. And now I find out that they have shut their doors for good. I do not feel that it is right for me and my other classmates to have to pay all this money for student loans for services we ca n't use. For example, getting help with resume writing, looking for a job, and for us XXXX, we had the opportunity to go back to the classroom to refresh our XXXX skills and other XXXX functions. 

I have XXXX student loans, XXXX through Genesis Lending which I believe they are a rip off and the other was through the Federal Loan however is now through the Department of Education through a third party. I still have not gone back to work, however will be going in for my XXXX in a week then I can be released to go back to work. This was my XXXX time getting XXXX and I feel this would be XXXX less thing for me to worry about. Having to pay for a school that is no longer there or in financial termoil. 

My loan was XXXX of them that qualified for the deduction however it was not the 40 % I was told it would be in my letter. I hope that this gets straightened out soon. Again I am disappointed that this is happening, I had no problem with my teachers at XXXX College, but the financial department was really no help and I felt like I was being talked to in circles. I feel like once I signed the paperwork to attend XXXX College, I felt like I was just another number and left feeling things were unresolved. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC1681 Section 602 have right to privacy 15 YSC 1681 Section 604 A Section 2 : It also states A consumer reporting agency can not furnish account Without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card Account under an open end consumer credit plan as late for any purpose
Product: Debt collection

PayPal issued a credit for a dispute to PayPal credit and now reversed the decision and debited my PayPal balance. Credit/Debit to different accounts. 
In XXXX I disputed a charge of {$510.00} for a return from XXXX as I never received a refund for my return. On XX/XX/XXXX PayPal notified me that the dispute was ruled in my favor and a credit would be issued. On XX/XX/XXXX I was notified by email that PayPal was now reversing their decision and siding with the merchant. PayPal has still refused to speak with me about why this decision was reversed and will only say the decision is final. That same email notified me a debit would occur for the money back. 

On XXXX when I attempted to contact them again to ask about the decision I instead inadvertently contacted XXXX XXXX who now owns PayPal Credit. I was fully unaware these two institutions to not speak to each other AT ALL despite PayPal sharing a name across both. On XXXX XXXX opened a dispute for the same charge to do their own investigation. This same day XXXX also issued a credit for the {$510.00} also to my PayPal Credit account balance. 

On XX/XX/XXXX I was notified by email that the debit for {$510.00} had processed along with a demand for immediate payment. I checked my account to see they debited my PayPal balance rather than debiting PayPal Credit/XXXX where the original credit had gone. 

I have tried endlessly to contact PayPal via phone but they do not have phone support at this time, only messaging online that takes 4-6 hours between responses. These responses have been 100 % canned and useless. That last one I was told to contact PayPal Collections to resolve this issue. 

My issue here is I had two 0 % for 6 month purchases on my PayPal credit. When both XXXX and PayPal issued credits it caused these two other purchases to be paid off. Now they debiting me back the {$510.00} from my PayPal balance which was and always has been at {$0.00}. 

I've contacted XXXX for clarification and any help, they advised me to simply contact PayPal and tell them to instead debit my PayPal Credit/Synchrony account and it would be resolved on both ends. PayPal refused to debit the same account they credited. I contacted their collections team as advised by their messaging service and was told the demand is for immediate payment. I explained this entire thing and said they can not credit and debit two different accounts and then demand full payment. I said I am happy and willing to pay the {$510.00} back but it needs to be at 0 % for 6 months as that is what it was on my XXXX account where they sent the original credit. They refused this offer and said it's all or nothing and if I do not pay in full they'll send this to a collections agency.
Product: Student loan

I am writing to complain about the incorrect recalculation of my student loan payment pursuant to my income recertification under the Income Driven Repayment Plan. This complaint is also being submitted to the Consumer Financial Protection Bureau ( CFPB ). 
I submitted my first income recertification for XXXX on XX/XX/XXXX to FedLoan Servicing ( FedLoan ), and was informed that my new monthly payment amount would be {$1800.00}. My prior monthly payment amount was {$730.00}. I contacted FedLoans on XX/XX/XXXX to question the new payment amount, given the significant increase ( a percentage change of 250 % ).

The FedLoan representative I spoke to confirmed that they had received my income recertification and that it appeared the calculation of the new monthly payment failed to take into account the student loans my wife has ( she also has federal student loans which are being repaid pursuant to the Income Driven Repayment plan ). The representative informed me that I needed to submit a request for immediate reconsideration of the income driven repayment calculation, which I did that same day ( XX/XX/XXXX ). 
In the request for reconsideration ( which was submitted using the Department of Education IDR template form ), I checked the box to confirm that I am married, that my spouse has federal student loans, input my wifes SSN and other personal information, that we are married borrowers filing jointly, and we both signed and dated the form. We also provided the required income documentation. This is in addition to the full and complete tax information for my spouse and I that I provided with my original recertification application. 
A few hours later, I received an update that because of my second income driven repayment calculation that the monthly payment amount would be {$1800.00}. 
In submitting the income documentation, I confirmed that my household income ( my wife and I combined ) increased approximately 26 % year over year ( XX/XX/XXXX to XX/XX/XXXX ).  However, this percentage income increase does not support an increase of monthly payment amount of 250 %. 
Neither myself or my wife have received a request for FedLoans to access my wifes student loan information in the National Student Loan Data System, which leads me to believe that the recalculation methodology which results in a monthly payment of {$1800.00}, has again failed to include my wifes federal student loans and their repayment amounts in the calculation. This again resulted in an erroneously high monthly payment amount. 
I have submitted all the required paperwork and provided all required consent so FedLoan can properly calculate my new Income Driven Repayment Plan monthly  payment amount. 
I am requesting that that FedLoan follow their calculation methodologies ( which includes calculation of the monthly payments required on my wifes federal student loans ), and review my prior submissions. I am also requesting that that FedLoan provide a  detailed calculation explanation for how the new monthly payment amount was determined.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Ive reviewed my credit report and noticed the following inaccurate item : Synchrony Lowes account ending in XXXX This account is listed as 30 days late for the month of XXXX, bu

t I have never been late on this account. I request that you VERIFY this information and provide me with copies of any documentation associated with the investigation. In the absence of any such verification, I formally request that this information be immediately removed from the credit file.
Product: Credit card or prepaid card

There are 3 accounts that are fraudulent I filled an ftc report and are still reflecting on my credit report. Discover bank. XXXX. And loan me. Also 2 late payments. I was never late for those accounts. XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 60 ) days late on the XXXX/XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.