23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I called Ascend loans on Thursday, XX/XX/ since I never received the deposit for {$900.00} for a loan that I was approved for. After several phone calls to Ascend as well as my bank Ascend was advised by my bank to send them a RO8 form because they deposited the money into someone else 's account. The agent stated he spoke with his " higher ups '' and they would receive the form that day. The Ascend agent also stated that I would be receiving an email from them confirming this. However, as of this moment I never receive neither the funds nor the email. 

I called Ascend a few moments ago and escalated the call to a supervisor named XXXX. XXXX told me that the previous agent was incorrect that they do not send any forms to anyone, that Ascend didn't not have to follow any state or federal laws and I have to wait until Wed and if the bank doesn't send back the funds they would do another 3-way call with the bank.
Product: Student loan

Tuesday XX/XX/23 at XXXX, I recieved a callback from EdFinancial and requested the banking information of this company, in an attempt to establish an ach transfer. I was refused such information. 

Thursday XX/XX/23 at XXXX, I spoke with XXXX XXXX last name not provided ) and she told me that she is refusing to provide me with the company 's account number for an ach transfer, because she believes that an ach transfer is a wire transfer and company policy dictates that they do not accept wire transfers, despite my explained intent for an ach transfer, to protect my own finances.
Product: Mortgage

My spouse and I started the Refinance process in XX/XX/2020 with Freedom Mortgage and we were told on XX/XX/XXXX that we could set an appointment to close on the refinance. we set an appointment for the end of XXXX. The closing was canceled without any warning to us. we were set to close again on XXXX XXXX and we signed all our documents. our documents were sent and the Title company XXXX XXXX lost half of our documents resulting in my identity being stolen on top of not being able to refinance in XXXX. It took Freedom Mortgage 2 months to give us a new date to close, we were set to close on Wednesday XX/XX/2020, our closing was cancelled last minute due to the title company XXXX XXXX not having the proper documents to provide. We again tried to close yesterday XX/XX/2020 and once again our closing was canceled last minute due to the exact same reason that the title company could not provide the proper documents. Freedom Mortgage has promised time and time again that they would close my loan in 6 total from the start and it has been almost 7 months of my wasted time and no one can seem to answer any of my question why this is happening.
Product: Debt collection

This debt collection company has had this account on my record for years and I was not aware as I was not paying very close attention. Now that I am paying attention to my credit and clearing it up, I asked them to remove it as did the original creditor XXXX-who the debt was paid to- and they refused until next year. No payments were made to this company and the original creditor even called them when the account was paid off and removed the account from them and has since sent another request ( in the last 60 days XXXX to remove the account to which they still refuse. This is a tactic that is hurting my account and they refuse to abide by the creditors request or mine to have the account removed and so I am taking the next step in a long drawn out process. I want this collection off of my account before next year
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violation
s related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b (
Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the fair credit reporting act, everything has to be % 100 accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX. have been reporting charge accounts and collections negatively which are not mine. identity theft report has been submitted to all 3-credit bureau as well as several letters have been sent asking for them to proof that the accounts are mine, and however they have still not provided any type of proof. XXXX was the only credit bureau who erased all the negative accounts disputed as result of identity theft. on the other side XXXX and XXXX just deny the dispute without providing any evidence. my credit went from being XXXX to now in the low XXXX this has really caused myself and my family a really hard time financially. I ask that you please help me with this matter and hopefully this nightmare comes to an end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiry Us Bancorp XXXX XXXX XXXX XXXX XXXX, Nd XXXX The date is XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$920.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the incorrect names of : XXXX XXXX XXXX, XXXX, XXXX XXXX is reporting the incorrect addresses of : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian is reporting the incorrect addresses of : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The last complaint that I submitted in this portal said that Experian was going to delete all of this in 10 business days and they have not. I want this inaccurate info deleted immediately.
Product: Credit card

The Capital One Travel Portal did not disclose applicable rebooking fees for my XXXX XXXX. Additionally, the system uses unclear language, obscuring flight options ' features and drawbacks. Moreover, the refund details in the FAQ indicate that the flight can be canceled and the entire travel credit will be available for future use ; there is no mention of the fee incurred during rebooking. As a result, I chose the basic economy option and incurred a {$99.00} fee when the flight needed to be changed ( canceled and rebooked ). 
The fee was not outlined at any point during the booking process. According to customer support, the fee details are disclosed after booking, but I still couldn't find the information after searching my inbox. 
Regarding the unclear language in the travel portal, under basic economy details, it states, " Advanced change not allowed '' and " Same-day change not allowed. '' Under main cabin details, it only states, " Same-day change not allowed. '' It does not state, " Advanced change allowed. '' I didn't realize that upgrading to the main cabin would have allowed me to change my flight details in advance. 
I'll attach screenshots that demonstrate the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a negative account on my credit file from XXXX XXXX N that I have never had. I pay all my bills on time and my credit file has been damaged because of this account that is not mines on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has reported a {$150.00} medical debt that I have told the creditor is invalid as it was billed under the same code on the same day by the same doctor so insurance will not cover that submission. I did pay the doctor office for the procedure and the code. I was not paying twice for one procedure. The creditor and doctor said they don't need to fix it. I am submitting insurance documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting 2 years ago I started seeing a XXXX XXXX address on my list of addresses. I knew this was incorrect and tried to dispute it to no avail. I left it alone until I went to XXXX XXXX and looked up My Missing Money. Well lo and behold there is a XXXX XXXX XXXX ( which is my name as well ) living in XXXX XXXX, TX. 
So a few months down the road I am checking my credit report and it is claiming I have opened accounts that are not mine, and loans that are not mine. I went to dispute them but could not pass the identity questions because I don't have a car loan-she does- I don't have a retail credit card- she does so I was locked out. I finally called and spoke to someone at XXXX and explained the problem and they said I would have to fax them a picture of my drivers license, social security card, and a bill. I did this. When they sent my results to me they sent it in an email and with the same identity questions, I ALWAYS FAIL.NOW, THEY WON'T SPEAK TO ME ON THE PHONE REGARDING THE ISSUE BECAUSE OF PROTECTING MY IDENTITY. IT HAS NOW SPREAD TO ALL 3 AGENCIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXXXXXX added a derogatory mark on my credit report per Equifax. I never in my life had an account with XXXX  In XXXX, I was a victim of identity theft, I contacted Equifax and they removed the account back in XXXX. The Debtors creditor did not verify this collection, Also, there was NO WRITTEN form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately. 


Please terminate collection efforts, and remove and notify all credit bureaus such as XXXX, Equifax, and XXXX to delete the account immediately for inaccurate reporting and failure to validate the debt.
Product: Credit card or prepaid card

See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account
Product: Mortgage

I notified Loancare I was laid off at end of XX/XX/XXXX and on XX/XX/XXXX Loancare sent me the confirmation of my forberance being submitted. After that no response from loancare to my letters, emails even when their bills shows the customer email they do not respond at all. My phone calls are not answered at all and no ne pick up the phone and we can't leave even a voicemail. I got my XXXX money and I was able to pay my mortgage up to XX/XX/XXXX with my unemployment benefits feed my family. No more unemployment after XX/XX/XXXX. I have no job and taxes are not even posted yet in my account. I sent a letter to President Biden but no response since XX/XX/XXXX. My loan # is:XXXX.
Product: Credit card or prepaid card

On XXXX I recieved a letter from Bank of America stating that I had a returned payment or check in the amount of {$50.00} and they charged me {$50.00} for a returned check fee.. I immediately checked my checking account and there was Thousands in that account and I have overdraft protection as well. I called XXXX XXXX XXXX and wanted to know why this wasn't processed and they said they had no such charge or returned check in my account ever. I called Bank of American and was put on hold for over 40 minutes the first round and finally spoke with someone and they said I had to pay the {$50.00} returned check fee because the payment wasn't processed. She then proceeded to tell me my account wasn't past due because I make a {$120.00} payment the day before that went thru fine. I tried to explain that I didn't make any additional {$50.00} payment and this charge was never made from my bank and they confirmed that. She said she had to transfer me to a different department for them o investigate. I waited another 24 minutes to speak to someone else and he said he couldn't help because he was in the wrong department. He proceeded to transfer me to someone else and after waiting 41 minutes I gave up and decided to file a formal complain. Bank of American clearly doesn't value their customers time and is involved in some kind of scam to collect fee 's from customers on accounts that aren't even past due. My bank confirmed they didn't have any cancelled or unpaid payment to any of my creditors. I've spend hours on the phone and couldn't get ahold of anyone who cared enough to figure out how this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Equifax for several months requesting my credit report so that XXXX XXXX XXXX can work with me on repairing my credit, I signed up for XXXX XXXX XXXX in XXXX of XXXX and they were unable to get my credit report from Equifax, even still to this day XX/XX/XXXX I am unable to access that report. XXXX is not able to pull that report from them either. I sent a written letter with copies of my identification and social security card to them to verify my identity per their request around XX/XX/XXXX and I am still unable to get access to my report, they told me it would take 3-5 business days originally to process, after speaking to a representative at Equifax today XX/XX/XXXX she informed me that no documents had been received yet and it takes 7-10 business days to receive as well as 7-10 business days to process. I am not sure how this is possible.
Product: Mortgage

I have a Mortgage with Bayview loan servicing company. This Mortgage was initially done with     XXXX   XXXX   and sold to   XXXX   XXXX   and now since last  XXXX    XXXX   it was acquired by  Bayview Loan Servicing  company. The problem I am having with them is they are not adhearing to the original loan. My Payment is due on the  XXXX  of each month with a 15 day grace period to the  XXXX  If  my payment is not received by Bayview by  the   XXXX  of each month they call to every day, even though I 'm not late until the  XXXX .   I am not late and I am ahead of the mortgage by pay more than due each month
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 18 19 and 31 40 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it againXXXX 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}
Product: Money transfer, virtual currency, or money service

The login process at Coinbase requires 2-step authentication. Unfortunately, I do not have my old phone number ( required to recover the account information ) any longer. The following step would be for me to verify my ID, which would enable me to recover access to my account ( that has {$7600.00} ). 

This all took place in XX/XX/XXXX. Since then I have talked to representatives from Coinbase that would work with me to verify my ID and recover my account, however I have been with no response since XX/XX/XXXX. 

Between XX/XX/XXXX and XX/XX/XXXX, I have called Coinbase 's customer support 3 times, and every time they have promised a response in 24 hours - which failed to happen every single instance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I have recently reviewed my credit reports from all 3 credit bureaus. There were several discrepancies in the accounts that they are reporting. I have written to all 3 bureaus twice asking them to fully validate the reported information and remove anything that they can not provide an ink signed original contracts from myself and the original creditor that correlates to the collection accounts in question. With each attempt in contacting the credit bureaus, I gave them 30 days to respond. It has now been over 60 days, and each bureau has failed to fully verify the collections and provide me with all of the information that I requested. I asked them to remove each account if they were not able to verify them. The accounts have not been removed by either bureau. 

I have also reached out to each of the collection agencies requesting full verification including ink signed contracts from myself and the original creditor as well. I also asked them to provide me with information regarding their lawful right to collect without my consent, a copy of an agreement authorizing their company to collect on behalf of the original creditor, and a copy of their license to collect in my state and their registered agent name with their address. Neither collection company has been able to fully verify the accounts or provide me with all of the requested information. The accounts have not been removed by either collection agency. 

The companies are listed below : XXXX. XXXX XXXX : {$920.00} XXXX. XXXX XXXX : {$1700.00} XXXX. XXXX XXXX : {$530.00} XXXX. XXXX XXXX : {$1300.00} XXXX. XXXX XXXX : {$1100.00} XXXX. XXXX, XXXX : {$7400.00} XXXX XXXX XXXX XXXX XXXX {$4600.00} I wrote to the credit bureaus on the following dates : XXXX. XX/XX/2022 XXXX. XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 21 days before the payment due date.

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

I have requested proof that this information was mailed or delivered 21 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: Credit reporting, credit repair services, or other personal consumer reports

I was on XXXX XXXX orders from XX/XX/XXXX to XX/XX/XXXX. I was on military forbearance with the University of XXXX from XX/XX/XXXX to XX/XX/XXXX. I was taken off forbearance and was told that my military orders were not valid and I no longer qualify for military forbearance. I tried to get this taken care of for years, but eventually, they stopped answering my emails and phone calls. From XX/XX/XXXX, I was considered a XXXX veteran and had gotten this debt deleted ( not on credit bureaus but with the government ). Also, I want to note I was a XXXX-XXXX  XXXX  from XX/XX/XXXX to XX/XX/XXXX This account went delinquent XX/XX/XXXX and finally counted as paid off in XX/XX/XXXX ( 10 months after I was a XXXX and full-time student, which is still reflected in my report ). 

The University of XXXX has been a nightmare to work with while in the military. They need a military-friendly finance center. When it came time to have my loans deleted with XXXX, it took months to get ahold of someone so that I could pay them! 

I called the XXXX XXXX XXXX with this issue and surprisingly got a call back from my student account advisor and was told that she could do nothing to rectify this and that I must dispute. I disputed multiple times with all three bureaus and have gotten no real investigation. I have similar student loans with XXXX, and the late payments were deleted from all reports. The University of XXXX has to answer for their negligence and delete the late payments from my account.