23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I discovered fraudulent account access in XXXX and reported the first two related unauthorized charges I noted to Cash APP XX/XX/XXXX. 

As they routinely do, cash app has failed to comply with their obligations under regulations XXXX & XXXX and have thusly failed to issue any provisional credit or request an extension to investigate further as required by law. 

This has happened before. Often I believe they will close accounts or reverse a different credit so as to avoid their obligations under the regulations by sending the account into the negative so they do not have to pay out any funds lost due to fraudulent EFTs. 

In my case I have noticed fraud somewhere between XXXX and XXXX dollars, and cash app continues to just tell me is being Looked at without any issuance of provisional credit even after two weeks. I want the CFPB to look at the systemic non-compliance shown in the handling of disputed transactions or errors and unauthorized payments by cash app and other similar services such as XXXX XXXX XXXX.
Product: Mortgage

I have been trying to purchase a home for a short sale that is located at XXXX XXXX XXXX in XXXX Massachusetts. 
The seller of the house is XXXX XXXX XXXX, Trustee of XXXX XXXX XXXX. 

The realtor is XXXX XXXX XXXX XXXX phone number : XXXX Buyer : XXXX XXXX Phone XXXX Loan # XXXX with Specialized Loan Servicing On XX/XX/2019 the realtor, XXXX XXXX, sent in all paper work to Specialized Loan Servicing to the following fax number : XXXX to a person named XXXX for a short sale review. 
We have never received an approval or denial or any correspondence of the short sale to this date from SLS. 
SLS employee XXXX, relationship manager, many weeks ago spoke to XXXX on the phone and stated someone dropped the ball & we are going to have this all cleared up in a few days XXXX has made over 100 plus calls to this company, which she has documented the date, times and the person she spoke with. XXXX, the Relationship Manager has never since the initial conversation returned any phone calls to the realtor. When you call SLS number at XXXX you will here this has been approved but when speaking to a person you will be told it is in review. It is now over a year SLS has been reviewing this short sale.
Product: Vehicle loan or lease

I bought my car from XXXX car sales in XXXX of 2020 and they use Innovative Funding Services to complete the transaction. The company is charging customers extra {$300.00} if they don't sign for an auto loan with them and use their own bank instead. The interest rate with them was almost double of my credit union. So I was forced to pay the extra fee to buy the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user on an XXXX XXXX card and a XXXX XXXX XXXX XXXX card. The two cards only show on my XXXX XXXX report. They are not showing on my XXXX and Experian reports. XXXX XXXX was contacted this month and they stated that they have been reporting the cards to all three credit bureaus as of XX/XX/2020 and every month thereafter. After contacting XXXX and Experian, they are stating that they have never received the information from XXXX XXXX.
Product: Student loan

I initially called several months ago to ensure that I was on the SAVE plan and to have my loans put into repayment so that interest would not accrue. I have called 3 times since then to confirm that I am on the SAVE plan and that interest is not accruing as I keep seeing interest applied to my account. Every time I call them I get a different answer. Right now my loans are no longer in repayment, and I did not authorize this. Today on XX/XX/XXXX I have spent 4 hours on hold and when I do get a real person the line disconnects in the middle of the call. One thing the representative did tell me is that there is a problem on Mohelas side with loans being kicked out of repayment and back into deferment or forbearance, thus not qualifying for the SAVE plan, allowing interest to accrue. I have also sent several messages through my portal which take weeks to receive a response and often the response is like this one from XXXX XXXX  MOHELA 's Response : Thank you for contacting MOHELA, Our records indicate that you have already called and spoken to one of our Customer Service Representatives regarding this inquiry. We will assume the inquiry has been handled. If you have any additional questions, please contact us toll free at XXXX. Our hours are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank you, MOHELA '' Yet my questions are never answered and the interest continues to grow. At this point I have spent days on hold with Mohela, when I should be working on my job applications. This is an unacceptable use of government programs. Mohela has no incentive to fix this, as long as the longer they can keep my loans out of repayment the more interest will continue to grow as the SAVE plan only applies to loans in repayment status. 

On XX/XX/XXXX Mohela had me fill out another document that would put my loans into repayment so that they would qualify for the SAVE plan. They said the last representative that had me submit a hand written document requesting my loans enter repayment was incorrect regarding the proper procedure. Several days after submitting this form I saw my loans go back into repayment thus qualifying for the SAVE plan. 

However today XX/XX/XXXX I opened my account and they are no longer in repayment and thus not qualified for the benefits of the SAVE plan. I am currently on hold with Mohela and given the countless times I have called in to have this fixed I think it is going to take an outside organization such as the FTC or CFPB to rectify the scam Mohela is running against student borrowers and defrauding government of programs meant to help out recent XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i sent a certified mail to XXXX. Disputing the unverified acounts on my credit report. XXXX sent me a redit report XX/XX/2021. Showing that the account from XXXX. XXXX XXXX was removed and deleted from my report ; XX/XX/2021 on the report. The account was closed with an amount of {$8800.00}. And a last payment of {$100.00}. XX/XX/2021 XXXX report. The account closed on my XXXX via XXXX XXXX. XX/XX/XXXX, XXXX removed the late payments from the account. Then on XX/XX/2021. XXXX XXXX XXXX, XXXX  report the account open with a balance of {$10000.00}. Which is inaccurate i disputed with bureau and they informed me via phone call that it will be removed. XX/XX/2021. The account was closed with an amount of {$11000.00} with a last payment of XX/XX/2021. Which is inaccurate. The then, XX/XX/2021. The account was opened again with a balance of XXXX. In addition the very next day XX/XX/2021. The account was closed and removed from the report. They fail to verify the account and remove the inaccurate information. I been disputing this account since XXXX. XXXX refuses to solve this issue with the credior and is causing me Financial injury. This harmful inaccurate information is causing distress. XXXX  need to resolve this complaint immediately. Via section 609 of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX data breach caused my ftc violation XXXX
Product: Credit reporting or other personal consumer reports

I received notification from XXXX XX/XX/2024 that my credit score dropped drastically, XXXX points. I reveiwed the information on XXXX and it stated that my student loans had increased. I called AidVantage the loan XXXX, because I am in an IDR until XX/XX/2024. I am not sure why all of a sudden I would have negative information being posted to the credit bureaus. I have not had anything like this happen in the past with my student loans. I spoke with a representative with AidVantage and she stated they don't have any control over what the credit bureaus do with my credit score. I tried to explain it was because of the information XXXX provided them. I filed a disupte with XXXX. That did not make a difference, in fact I had to call XXXX a second time because they didn't do anything with my complaint. I called AidVantage back XXXX explaining again that the way they are reporting my status is affecting my credit score. Today I received notification from XXXX that my credit score dropped XXXX points due to my student loan has increased. I called AidVantage today XXXX and wanted to speak with a supervisor. After spekaing with a representative and being put on hold my call was disconnected. I called AidVantage back and spoke with a representative that was going to escalate the issue. I verified with the representaive, being in and XXXX should not affect my credit score, my student loans will always be on my credit report, until paid off, but while in XXXX that should not affect the score. I was turned down from a local bank for a business loan because of the reporting of my student loan. I have asked over and over that they please check into this issue of incorrect reporting to the credit bureaus. Today is the first time AidVantage representaive has sent my information on to someone who has the ability to see what is going on. This has had a negative impact on my situation on trying to open up my business. I have not been able to get lending due to the recent information being provided to all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act all XXXX Accounts that doesnt have my correct information has reported incorrected information is a violation to 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 a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason My corrected Informtion is Name : XXXX XXXX XXXX Birthday : XX/XX/1979 Social Security # : XXXX Address : XXXX XXXX XXXX MI XXXX Phone Number # : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I Looked at my report back on XX/XX/XXXX through XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individidual about whom the report relates. These accounts below are not complete and accurate. 
The credit bureaus have not sent me a tracking number or no information regarding these accounts XXXX XXXX XX/XX/XXXX {$XXXX} Open date is not reported correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX  XX/XX/XXXX {$XXXX} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$XXXX} Open date is not reported correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXX. XXXX, XXXX {$XXXX} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXXXXXX XXXX XXXX XXXX XXXX, XXXX {$XXXX} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$XXXX} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$XXXX} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with 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 ( MONTHS REPORTING LATE ) 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.

EXPERIAN 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

Regrading this account XXXX XXXX XXXX XXXX. I believe that I may had been 28 days in XX/XX/2018 but not 30 days late. In regards to XXXXXXXXCAPTIAL ONE XXXX. I believe that I may had been late 55 days in XX/XX/2018. Not 60 days late. Also to XXXX XXXX. I may have been 29 days late inXX/XX/2018 not 30 days late. The FCRA Law require everything on your credit report to be accurate, valid and complete. This late payment is incorrect and should not be reporting on my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX several accounts have violated my rights. 

15 USC 1681 section 602 states 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 : 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: Credit reporting or other personal consumer reports

I am submitting this complaint as follow up as I want this remaining fraudulent inqiury to be removed from my credit report. And I am kindly asking the CFPB to please oversee the removal of this remaining fraudulent inqiury from my Experian credit report : EXPERIAN : XXXX XXXX XXXX XXXX
Product: Mortgage

I submitted to my servicer who has both the first lien mortgage and the second lien mortgage. They denied me the modification of the first but they gave me a 1 percent on the second with a defer o XXXX and XXXX. 

Then I got my statement on the second they charged me XXXX all entered on the same day as XX/XX/2018. They put me on default but my payment was only XXXX per month. 

I need your help as these lenders and servicers are repeating errors that the National Mortgage Settlement and the Homeowners Bill of Rights was give to assist consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted credit bureaus and continue to get send proof of address and identification. That I did the credit bureau is not removing information from a collection agency midland credit is reporting XXXX  days late on a collection account its not legal because I have never had an account with them. Another collection company is reporting to the credit bureaus and I havent had an account with them. I gave proof that they are also not legally to conduct business in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a debt collection letter from I.Q. Data international in XXXX of XXXX. I submitted a debt validation letter that same month because I do not owe the stated debt. I sent my dispute letter certified mail and requested return receipt. The letter was delivered and I have a copy of the return receipt from the delivery. I did not receive a debt validation letter response from the collection agency within the 30 days time frame. It is a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to my verification letter. 

I disputed the collection on my credit report with all 3 credit reporting agencies XXXX XXXX XXXX   XXXX  XXXX. XXXX XXXX XXXX have both removed the collection from my credit. As of today XX/XX/XXXX, XXXX has not removed it from my credit. The account shows as " Consumer disputes this account information ''. Please help me remove this from my credit report. XXXX is the only company that has refused to remove it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and associated companies have illegally obtained and used my information inaccurately and refuses to investigate these errors thoroughly. 

UPDATE all inaccurate information from each account listed on my credit profile. 

Update all personal information on my credit report. Addresses showing are not belonging to me, multiple names have been placed illegally on my profile, update this and remove all inaccurate information immediately. 

Do not report any inaccurate information on my credit report without my written instruction. 

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
Product: Mortgage

Seterus Inc. Is the servicer of my mortgage. I was late one payment but i caught up. They are trying to say i owe 2 months and late fees and im behind 3 minths on my mortgage. I called and spoke with a representative by the name of XXXX who said it was an error and i would get a corrected statement. Never recieved it. They sent loan modification papers via fedex why. Im not behind. Called again spoke to XXXX XXXX stated that sorry was an error would get a stated showing corrected amount by XX/XX/XXXX. Never happened asked to speak with a supervisor was never given the opportunity but said supervisor XXXX XXXX would contact me never happen. But i recieved an intent to forclose on XX/XX/XXXX. Why my payments are up to date. Please help!!!!!!!!!!!!
Product: Mortgage

Due to a storm in XXXX, we experienced damaged to our roof. We filed a claim with insurance company to fix it but received the run arounds. They also increased our premium significantly. We were unable to renew the insurance with that company or purchase new insurace due to damaged roof, causing us to lapse in coverage in XX/XX/XXXX. Our mortgage serving company ( XXXX ) notified us that they would add XXXX XXXX XXXX ( XXXX ) on our home for {$7800.00} for the remainder of the 2023 year. In XX/XX/XXXX, we were charged an additional {$1500.00} on our mortgage to cover the cost of the ( XXXX ). In XX/XX/XXXX, we receive a letter from XXXX stating that our mortgage was transferred to a new serving company ( XXXX ) and that they cancelled the XXXX. In XX/XX/XXXX, we received a letter from XXXX stating that we needed to acquire homeowners insurance by XXXX or they would add XXXX XXXX XXXX on our mortgage. We ended up getting our roof repaired and acquired insurance through XXXX. We paid the premium in full and sent XXXX proof of coverage and payment to via provided email address and physical address. XXXX went ahead and made an additional premium payment to XXXX and billed against our Escrow. 

Though we did not have XXXX XXXX XXXX through XXXX we have been charged the additional {$1500.00} for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We contacted both servicing company to find out why we were still being charged the cost of XXXX for the months that we did not have insurance and have been given the run arounds. 

We have requested in writing that XXXX completes an Escrow analysis and refund us of all money paid in excess. That has not been done. We requested that they request a refund from the insurance company of the double payment to bring out escrow back into positive. That has not been done. 

Every document we submit to XXXX has magically disappeared. Every conversation has conveniently not been documented. We are frustrated, scared, and believe that we are being set up to lose the home we've worked so hard to purchase and maintain. We do not know what else to do to stay in our home and have the servicing company do what is ethically, morally, and legally correct. 

Please assist us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX ( XXXX ) DOB XXXX SS XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

Bank of america closed my checking and savings account without my written consent to do so, and without my permission, without having written expressed consent. I did not receive any notice before, doing or after they closed my accounts. when I extended my credit to open the accounts.

Bank of america have violated the truth in lending act, Regulation x, y and z.

They have violated 31 cfr 357, and the gramm-leach- bliley act ( 12 usc 1811 ), 15 usc 1681, 15 usc 1681c-2, 15 usc 1681e, and 15 usc 1 15 usc 6802a 1-3, 15 usc 6802 b a-c 15 usc 6801 they have reported the closing of all of my checking and savings accounts and now they are affecting me personal, financial and has cause me harm. These accounts have been open for over XXXX  years and who gave them permission to closed them? and also they where charging fees which are against the law, and they need to be held accoundable for all of the fraud and deceptive practices they are involved it.

they have violated my rights, and my privacy without my written expressed consent.