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

I have made several disputes to Experian about an account that they are reporting wrong they account was charged off now its reporting as an open account. I also sent proof of my claim and they still refused to correct the errors. Now to the date of this complaint the account has been Re-aged but they say it accurate how if there has been no agreements or payments made on the account? How can they all have different ( dola ) dates Date of Last activity but all be accurate for the same account theres only one account.
Product: Debt collection

My name is XXXX XXXX I saw my credit report had a debt for a person with the name of XXXX XXXX on it I called the collections agency XXXX and told them so they can remove it they have not done so
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. Transunion, XXXX and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense!

- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was recently laid off from MoneyLion. I was told I'd be receiving my final paycheck immediately for the time worked already. 

My funds were deposited into my financial router Sequence XXXX XXXX XXXX XXXX XXXX  account and promptly transferred to my MoneyLion RoarMoney account associated with my email address XXXX. I did not receive any notice that my account has been closed by MoneyLion directly, I found out when Sequence sent a message stating that my account with MoneyLion had become unlinked via XXXX. 

I reviewed my MoneyLion app and my functionality was greyed out. I chatted immediately with support who said that my account had been canceled but they couldn't see a reason for the cancellation of my account nor how I could appeal this closure. They said it may take over 5 BDs for me to receive a response. 

This is absolutely unacceptable. After having been laid off with over XXXX years of work and absolutely no notated performance issues it is a slap in the face to have your account closed and your last paycheck, the money that supposed to get you through your immediate needs after being laid off, be returned and now stuck in banking limbo.
Product: Debt collection

Called about a debt with a cable company in XXXX, OH. The debt is apparently from a cancellation fee due to the fact that I moved out of the service area. I never signed or agreed to any such fee. When I called back, representative did not verify any information on myself and threatened to garnish wages, send to a lawyer and other actions.
Product: Debt collection

XXXX XXXX is the company and they are a rip off they to high I was struggling with my bills I got behind the call and mail me constant I told them when I get money I will call them and I will they closed on Saturday and Sunday so monday the XXXX XXXX XXXX I'm set a arrangement up with them hopefully they leave me alone then. The call send mail to house like twice week it frustrating
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified public record listed below is still presenting in my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 


XXXX XXXX Bankruptcy Filing Date XX/XX/201XXXX XXXX XXXX-Discharged
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX for its failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which establishes civil liability for negligence in non-compliance. 

On XX/XX/year>, I disputed a inaccurate credit report item ( charge off ) with Experian against XXXX XXXX XXXX. Despite my efforts, they failed to conduct a reasonable investigation, correct errors, and provide proper notice, causing financial harm and distress. 

Under 15 U.S. Code 1681o, XXXX is liable for actual damages resulting from their negligence. Their non-compliance has negatively impacted my credit standing, leading to higher interest rates, loan denials, financial loss ]. 

I request the CFPB to investigate this matter and hold XXXX accountable for its failure to comply with the law. I also seek corrective action, including the removal of inaccurate information and compensation for damages. 

Please let me know the next steps and how this complaint will be handled. Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A separate account owned by, Ascendium, aka XXXX XXXX XXXX, aka USA Funds, aka XXXX XXXX XXXX, aka XXXX owned two of these accounts. I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX to what was XXXX XXXX XXXX, and requested items be deleted per my report if validity not received in the allowed time frame.I did not receive a response letter at any point. I then received a second bill in the end of XX/XX/XXXX as well as the Agency continued to report to all three major credit bureaus on my behalf and also was at this point referencing to themselves as Ascendium education solutions Inc fka USA Funds I sent a second request for validity XX/XX/XXXX I received a response letter from Ascendium Education Solutions Inc C/O XXXX stating they are " unable to verify '' and requested more information, requesting additionally social security number and date of birth as well as other information that was provided originally to them already it is my understand of the Fair credit Act that I do not have to provide my date of birth or social security number to them as them are simply trying to verify this is my debt, to collect.I then sent a third certified, and notorized letter requesting a validity including my date of birth XX/XX/XXXX.I have not received a response from any of all of the above referenced collection agencies as of today 5 months since original dispute.
Product: Mortgage

A modification package was sent to Ocwen on XX/XX/2019. On XX/XX/2019 a representative for Ocwen, XXXX ID XXXX confirmed a complete package and we were told 30 day review for decision. On XX/XX/2019 the loan was transferred to PHH and the entire package was sent to PHH via fax. XX/XX/2019 a representative for PHH, XXXX ID XXXX confirmed a full modification package and we were told we were back in underwriting review. Subsequent follow up calls on XX/XX/2019, XX/XX/2019 and XX/XX/2019 we were told that the file was in underwriting review. XX/XX/2019 a representative for PHH, XXXX ID XXXX, advised that a letter was coming asking for an additional 30 days to review. Per XXXX the investor requested the additional review time. XX/XX/2019 status update call also confirmed we were in underwriting.On XXXX XXXX a status call had PHH requesting updated 30 days of paystubs, no supervisor was available and I did not receive a call back. XXXX XXXX the paystubs were submitted.Calls on XX/XX/XXXX and XX/XX/XXXX we  were told that the paystubs were illegible and there was another bank specific form requested, submitted XX/XX/2019. On XX/XX/2019 a supervisor was available, ID XXXX, and we were told we would be back to underwriting the following week. On XX/XX/2019 I spoke to supervisor, XXXX ID XXXX and was told that XXXX XXXX denied the modification, when asked why they kept collecting document, no one knew.XX/XX/2019 a research request was opened to see what was going on. The research request was never received. Documents continued to be collected until we were told we were back in underwriting as of XX/XX/2019 and looking for investor approval. As of today, XX/XX/2019 PHH is still requesting documents. We would like an explanation for the length of time this file has been in loss mitigation and the decisions made by PHH and XXXX XXXX.
Product: Mortgage

Complainant XXXX XXXX attempted to purchase a home located at XXXX XXXX XXXX, XXXX, GA ( XXXX County ). Complainant identified himself as XXXX XXXX. Complainant belongs to a class of persons whom the Fair Housing Act ( the Act ) protects from unlawful discrimination because of race. Complainant alleges discrimination by Respondent Quicken Loans XXXX XXXX, through Respondent XXXX XXXX, Senior Loan Officer ( XXXX ) and Respondent XXXX XXXX, Director of Mortgage Banking ( XXXX ) Complainant alleges prior to applying to get a loan from Respondent Quicken Loans XXXX XXXX, he informed Respondent XXXX that he would be receiving down payment assistance through the XXXX County Home Stretch Program. Complainant alleges he was initially informed that the program was accepted by Respondent Quicken Loans, XXXX, but after applying and being approved for the loan in early XX/XX/2020, he received a letter stated the loan was denied because he had insufficient funds to close on the subject property on XX/XX/2020. Complainant stated that he contacted Respondent XXXX to get a reason for why the down payment program was not being accepted, but she could not provide a valid reason. Complainant stated he escalated his concern to Respondent XXXX and was informed the reason for the denial was because the debt to income ratio ( DTI ) was 200 %. Complainant alleges that Respondent XXXX reason was false and he believes the XXXX was used to disguise the true reason for the denial, which he believes is race. Complainant stated that he believes once it was discovered that the subject property was in a predominately white neighborhood, the Respondents decided not to accept the down payment program. Complainant alleges before disclosing the location of the subject property, the Respondents were fine with allowing him to receive assistance from the down payment program. Complainant stated as a result of the Respondents denying his loan, he lost the opportunity to purchase the subject property. Complainant believes the Respondents have collectively discriminated against him based on race in violation of the Act.
Product: Bank account or service

This is a complaint agains t Wells Fargo Mo rtgage. We applied for a mortgage modification in  XXXX  or  XXXX ,  2016 t o reduce our payments. The file was complete sometime in  XXXX  and the modification was approved according to a phone call in  XXXX ,  2016.  I repeatedly inquired by email where the documents were for us to sign, which would have included the exact payment amount, etc. They did not arrive as anticipated. Subsequently they disallowed the modification because I " had not agreed to it. '' They had mailed all of the paperwork to the wrong address, which the post office forwarded, but too late to initiate the modification. I was told, and I quote : " take it up with th e Post Office, it  's their fault. '' They had me apply again, never telling me that the HAMP program had terminated on  XXXX   XXXX ,  2016, a nd then used the excuse that I had too many modifications, counting the one they disallowed, and then telling me that the HAMP program was no longer in effect. They are now threatening foreclosure because of their  XXXX , not mine. I did everything in my power with emails and phone calls to initiate the original approved modification and they NEVER answered, except with a threat of foreclosure. To me that 's fraud.
Product: Student loan

I have spoken to Navient customer service several times regarding my loans fees and it's current status. In early XXXX 's we were " tricked '' ( Salliemae at the time ) into forbearance to have " extra '' money for the holidays or because we were late on a payment. In XXXX we missed a payment and I have now noticed that we have been charged 30 {$20.00} late payments and unless I pay {$1900.00} I will continue these late fees even though we are on auto debit. We often receive letters and calls where they threaten us legal action if I don't pay this ever changing amount due ( we are on autopay so It's difficult to pay extra ) My biggest concern is that when I speak with them they have no interest in assisting our situation. To be transparent I am looking for a reasonable forgiveness due to the following loan details : First loan payment- XX/XX/XXXX Original Principle- XXXX Current Principle- XXXX Total balance- XXXX Total paid to date- XXXX Expected pay off- XXXX ( XXXX payments at {$340.00} ) Interest rate 8.5 % I have tried to come to an understanding with them regarding our position and most of the time the person from customer service does not understand me, is very hard to understand, and only reads from a list of responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX XXXX in XXXX, as of XX/XX/XXXX that account was paid off in full. Instead of the credit bureau showing that the account was paid in full and there is nothing owed on this account, it shows account was closed. My credit report score did not increase. I truly believe that is due to my race the amount of the debt that was paid off was XXXX instead of helping my credit score this hindered it. It did not go up but went down. XXXX made a comment stating keep try to keep accounts opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I was with an apartment complex three years ago with a lease. I had to break the lease in XXXXXXXX XXXX XXXX due to relocation for my job. The apartment complex excessively and unnecessarily charged me and due to COVID, I was unable to pay it. I heard absolutely nothing about this issue until until just a few months ago from Sentry Recovery and Collections. I began to get repeated and harassing phone calls from this company. I attempted to call and set up a payment plan last month. The individual stated that he needed a large payment as the company was adding interest to my account every month I did not pay. I stated I could only do about $ XXXX {$200.00} a month due to my job uncertainty, and he rudely said that my suggested payment amount would not work as that wouldn't even cover the interest on my account. I pleaded with him and he was extremely rude and I hung up from the phone call extremely distressed.
Product: Debt collection

PORTFOLIO RECOVERY AGRESSIVELY AND IN A VERY INSULTING MATTER ATTEMPTING TO COLLECT ON THE DEBT THAT I DO NOT OWE. I HAVE PAID THIS ACCOUNT OFF WITH XXXX BEFORE IT WENT INTO COLLECTIONS HOWEVER THEY ARE ATTEMPTING TO COLLECT, DISREGARDING MY NUMEROUS REQUESTS TO VALIDATE THIS ACCOUNT AND PROVING TO ME THAT THEY HAVE THE RIGHT PERSON AND RIGHT ACCOUNT. I KEEP GETTING AUTO/COMPUTER GENERATED LETTERS ONE AFTER ANOTHER, CALLS AND INAPPROPRIATE LANGUAGE IS BEING USED. I HAVE SENT THEM PROOF OF PAYMENT OF THIS ACCOUNT TO XXXX WHICH WAS IGNORED, AND I SENT THEM CEASE AND DESIST REQUEST TWICE WHICH WAS ALSO INGNORED. THIS IS UNACCEPTABLE AND MUST BE STOPPED
Product: Credit card or prepaid card

Payments are made in advance of the due date. Sometimes to make credit available mid cycle, sometimes to pay off entire balance when payment is due. Regardless of when the payment is made Capital One : - Receives the money from my account. ( This month payment was made XX/XX/XXXX and posted by Capital One on the XXXX, money removed from my account on XX/XX/XXXX ) - then - Reflects the payment on the Capital One account showing that the money was received ; reflecting a ZERO balance due. 

-However, I am not provided any available credit even though they have been paid and have posted the money as payment in full. ( this scenario is routine and seemingly illegal ) - Keep in mind I have insurance payments that are established on this card that are to be charged every month same day ... that this card routinely DENIES the charge even though they have been paid and have in their possession money from my bank account ... this policy has placed my insurance in jeopardy on more than one occasion. 

- During my research and while writing this complaint I have checked on my account with Capital One for the fourth time in two days and voila!! They have given me my available credit AND some credits from merchant returns just now posted as well ... to me meaning that they were using that money for free as well instead of providing me credit that was due to me. 

I can not believe that these procedures are legal and they certainly are not ethical ... jeopardizing my insurance and in one situation a monthly payment for my husbands health care via mens clinic ... its not right and it shouldn't be tolerated or legal. I/we are counting on you as a governing agency to reel these people in and hold them accountable. 
We realize in the world of credit card companies we are regarded as " deadbeats '' because we use the credit then pay off the entire balance at months end... we should not be punished for being prudent and responsible. 

We look forward to hearing back from you as to how you have proceeded and any legislative suggestions you have introduced to law makers and the name of said law maker. 
Regards
Product: Student loan

I attended XXXX college in XXXX, my federal loan was forgiven in XXXX. But for my XXXX loan I am not able to contact any one about my private loan. I never received my diploma from this school so I feel it is unfair for me to be receiving multiple phone calls and collection letters from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX As well as it affecting my credit I have asked these people at XXXX XXXX XXXX asking them to give me information where I should call about this and who sold them my information but all they can tell me is to agree to a payment plan for {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit cards & accounts have passed the statute of reporting. I put in disputes with Experian, XXXX, & XXXX but the accounts still remain without explanation. Cards in question & dates closed. 
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
Product: Credit reporting or other personal consumer reports

I sent my first letter to Sallie Mae on XX/XX/scrub>/2024 that was delivered on XX/XX/year>2024, tracking number XXXX. Received a late stock response privacy notice that didn't address anything in my letter. Sent a second letter to Sallie Mae on XX/XX/year>2024 that was delivered on XXXX/XXXX/2024, tracking number XXXX. Again, I received another stock response privacy notice that didn't address anything in my letter and also received a stock response claiming to investigate but still refused to address anything in my letters, nor did Sallie Mae provide proof of the investigation or their process of an investigation. Sallie Mae 's unwillingness to cooperate and correct their violations of the law proves they are a corrupt, predatory, and fraudulent company. Sallie Mae has failed to provide the documentation requested, and Sallie Mae has unlawfully posted incorrect data and added an incorrect statement on my behalf. Sallie Mae has failed to prove that these accounts are mine and/or that the debt is valid.
Product: Credit card or prepaid card

I bought a XXXX XXXX ( XXXX ) Ticket for a XXXX business trip on XXXX  to XXXX XXXX on flight XXXX ( XXXX XX/XX/2023 ) and returning on XX/XX/XXXX XXXX the flight on XX/XX/XXXX was cancelled by XXXX 4 hours before the flight at XXXX CT without rebooking to an immediate flight causing a huge business snag. XXXX 's customer service was unavailable to cancel and refund through the app, chat or call mechanisms. see attached pdf for evidence. 

It cost me another {$430.00} to rebook a one way flight to XXXX using XXXX XXXX and a different cab as well. XXXX also cancelled my flight on XX/XX/XXXX without refunds. I called the flight again for my flight and now the flights were insanely expensive. I asked for a refund and XXXX 's representative asked me to file a refund request which I did immediately on XX/XX/XXXX. see attached pdfs. 

XXXX denied my refund request so I disputed {$1400.00} for my Taxis, alternative flights, and original flight ticket cost. But I am not getting help from CHASE to resolve this dispute so I am filing a claim to bring XXXX to justice for misusing my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Castle Credit Corporation account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX account # XXXX have violated my rights.

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

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

15 USC 1666B states that a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/year>