23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX AND XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 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. XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 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 or other personal consumer reports

I've identified information on all my credit reports that are a result of identity theft. These items are not related to any transactions completed by me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint for violations against the provisions of 20 U.S. Code 1232g - Family Educational and Privacy Rights. Without my written consent, I recently discovered that my XXXX loan information has been reported to credit reporting agencies, XXXX, Experian, and XXXX. This action directly violates the aforementioned statute, which clearly outlines the conditions under which educational records can be disclosed. According to 20 U.S. Code 1232g ( b ) ( 1 ), educational agencies or institutions are prohibited from releasing education records without the written consent of the XXXX XXXX parents. My XXXX loan information was reported to credit reporting agencies without obtaining written consent. The statute clearly outlines exceptions for disclosing education records without written consent. In my case, none of these exceptions were applicable. The release of my XXXX loan information was not in compliance with any of the statutory provisions; according to 20 U.S. Code 1232g ( b ) ( 4 ), educational agencies or institutions must maintain a record indicating all individuals, agencies, or organizations requesting or obtaining access to a XXXX XXXX education records. I request transparency in this matter and would like to be provided with information regarding who accessed my XXXX  loan information and the legitimate interest each entity had in obtaining this information.
Product: Credit reporting or other personal consumer reports

While reviewing my XXXX XXXX credit report, I noticed errors related to the address section. Specifically, there is an address listed that I have never resided at. I kindly request that you promptly investigate this matter and update or remove any incorrect address from my credit report. 
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 card

I received an offer for XXXX percent interest rate for XXXX months. I used the card within the time limit, they Immediately started charging Interest XXXX of XXXX. I called them on XX/XX/year> and told them I had this offer for XXXX Interest rate for XXXX months. They said they didn't have that code. They gave me another code and it did not work. They said I would get a letter from them to reverse the Interest. I never got the letter so I called again on XX/XX/year>. They that they would reverse it based on the offer I still to this date have not received anything from this company US Bank I have been paying payments every month on time. I have XXXX more payments to make and it will end up being XXXX months that I will have it paid off XXXX  months before the XXXX  month period.
Product: Credit reporting or other personal consumer reports

My email on Credit karma is XXXX XXXX  days ago I received a " Karma Guarantee credit card '' offer from credit karma. I applied and was denied. So with their own promos rules they sent me the {$50.00} gift card confirmation which after receiving the confirmation email that I to receive it which was XXXX  days ago. I was to receive it with XXXX  days. I've contacted credit karma repeatedly with no avail. I barely get anyone to respond. When they do they ask " did you confirm? '' I say yes and never get a response. 

This is their advertised promotion and they don't follow their own rules and regs. Truth in advertising is a thing in the United States. I would just like my {$50.00} gift card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company several times via mail about VALIDATING this alleged account they claim belongs to me. I have received no response. I also called and they want me to give them my personal information just to inquire about an account they have listed on my credit report. I would like this account removed ASAP. I am needing to purchase a home for my children and myself and this account is holding me back. According to the law anything that is reported must be 100 % accurate and I have yet to receive anything bearing my signature in agreeance with this alleged account.
Product: Mortgage

XX/XX/14-we sent Ocwen {$5000.00} ; arrears were at this time {$8800.00}. Ocwen stated that unless we had the total amount they would not accept any amount, but they took the {$5000.00} ; and did not return it. We ask for a repayment plan ; they said no! But when the loan go to be XXXX, they came up with a ridiculous repayment that was more than our monthly income behind. We asked how can you offer a repayment when the loan was $ XXXX and not offer it when the loan repayment would have been affordable? Ocwen had not answer. We ask for a modification ; Ocwen drug that process along numerous months to the point that it was unaffordable. It was {$30.00} over the allowed government amount for assistance? This was trickery on their part because how can you say you wo n't accept anything less than the total arrears and then you took the XXXX and then would n't offer a repayment plan? it was a set up for failure. Ocwen says helping homeowners is what we do. Hurting homeowners is what they did. Ocwen lied and misled ; took our money, but stated they would n't take anything less than the arrears. Ocwen could have easily fixed this, but foreclosure is what they seemed to be aiming for from the beginning. This is right..double tongued and lied, but yet they still took our money and would n't help.
Product: Debt collection

The company disconnected their TV services and continued charging me monthly charges even though I had already returned their equipments and did not have any contract with them. I tried calling them, but my cry fell on deff ears as they didn't want to hear anything from me. They are also very rude and non professional as they kept hugging my calls
Product: Mortgage

To whom it may concern, Four or five years ago, I refinanced my home mortgage with XXXX XXXX XXXX XXXX located in XXXX. They sent out the appraisal company of their choice. That appraisal was at {$250000.00}. That refinance was approved. 

Last month, I was contacted by an agent from Nations Lending Corporation out of XXXX XXXX. I had worked with them in the past. They were offering another refinance at a lower interest rate to combine my current mortgage and home equity line of credit. 

After completing all of the requirements, they sent out the appraisal company of their choice. The day of the appraisal came and I met with the female agent. She was very negative, asked me many questions, some of which seemed very irrelevant. I had to pay {$500.00}. for that appraisal. 

I was asked to submit a list of all or any home improvements that I have done to the home. With in the past two months, I replaced my roof for {$20000.00} It is metal with a lifetime guarantee. The appraisal came back at {$190000.00}. 

I was told that due to " lower value appraisal '', they could not provide me with services for the refinance. I am now out of {$500.00}. I was told that the real estate " market can fluctuate ''.

How can my home 's value go from {$250000.00} down to {$190000.00} in less than five years? That is a loss of {$65000.00} in value and equity. Plus the fact that I had just added a brand new roof.

I have been unfairly represented in this process. I am requesting that my {$500.00} be refunded. 

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

In accordance with the fair credit Reporting act XXXX  CHILD SUPPORT, has 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 a 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 purpose.

have not given you written permission to put anything on my consumer report.

15 USC 51681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

28 You have no permissible purpose by law to contact third parties with my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Moneylion , Inc. who has reported inaccurate information on my credit report and have not removed after continued effort to resolve. 

I had a credit building loan that was shown closed and paid off on XX/XX/2020 as indicated on my Moneylion mobile app ( see attached screenshot ). As such I assumed my business with the company was complete at that point. 

In XX/XX/2020 while working on credit repair I noticed Moneylion reporting on my credit that I owed them a balance of {$47.00} which was confusing since as I mentioned the account was and still shows as closed and paid off in XXXX. XXXX XXXX sent a letter on my behalf and in which I receive an email from Moneylion denying their adjustment request. I disputed the error on my XXXX app but for some reason was unsuccessful in getting removed as well. In the meantime in XX/XX/2020 they reported me as being 60 days late. At that point since it was not a large amount of money I decided to just pay it on XX/XX/XXXX and was advised that the account was now closed and paid off. 

However, over the next couple of months I continued to get alerts on my credit report of being 60 days late reported by Moneylion. I continued to dispute with no success in removing. I called Moneylion and spoke to a representative that acknowledge the account was closed and paid off. They sent me a letter stating the account was closed in XXXX ( see attached letter and emails ). However, despite acknowledging the error for some reason they continued to report 60 days late for XXXX, XXXX, XXXX, and XX/XX/2020.
Product: Checking or savings account

There is a service called XXXX XXXX  I can not use it without a block placed on my account each and every month. They tell me every month they will permanently remove the block but never do. For XXXX years Ive had to call in and spend XXXX to XXXX hours explaining this. I then must wait XXXX hours to be able to use the service. They say the system detects unusual activity but it never does. Remove this! If receiving a direct deposit is unusual something is wrong. I get nothing but excuses and Im going to close this account because they know it is simple to remove the block but refuse. In XXXX years of monthly calls taking XXXX hours and XXXX years of waiting XXXX hours, Ive waited over a months worth of time to get MY money! 

I filled a complaint with the XXXX XXXX XXXX but Chime didnt address the issue. 

My new cell number is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not have a car with this company at all. Placed called in XXXX in months prior to get info to no avail. At one point I was told I did not have an account. Another time something completely different. Never had vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written called emailed CREDIT KARMA to fix this issue and they wont. Credit Karma is charging my credit for XXXX that I never received and saying I signed something that I do not know what I signed but I know that a company can not charge me XXXX $ when I never received and they never gave me XXXX XXXX So how can a company charge me XXXX $ for free ( me not receiving anything ) to my credit. If they want to charge me XXXX to my credit then give me my XXXX $ loan. They tricked and scammed me because it used to be owned by XXXX  when I never agreed or signed up for being scammed and affect my credit for XXXX $ I never received. Also says if I never made a payment towards the XXXX $ in the terms in conditions that I can cancel it and they wont do it. All I know is I cant be charged XXXX $ that I never received or got. So they get XXXX $ for free from me and they didnt give me a dollar?! No way Ill go to court they cant do this Im working so hard to get my credit back and they just wipe away years of hard work on my credit. Like Im beyond upset.
Product: Debt collection

I do not nor have I had an account with this company that originated in XX/XX/2022 as reported on my credit. This has negatively impacted my credit and I request you delete this ASAP.
Product: Money transfer, virtual currency, or money service

Hello XXXX, I initiated a money transfer from XXXX to XXXX via western union for XXXX usd, XXXX # is XXXX it suppose to be transfer on XXXX XXXX, however they did not transferred the money and claim to be transferred in the XXXX bank XXXX XXXX XXXX I contacted them on XXXX and XXXX XXXX of XXXX  and they said it will be done today bit in fact it was never transferred. also their representative said that if the transfer docent goes they will refund me on XXXX XXXX. Today on XXXX XXXX when i contacted them they denied to do refund and they did not helped me. This is very urgent transfer and they are not doing any kind of transfer or any refund also please help me sir. I provided them a proof of money transfer where there is no money deposited in my receivers account. 

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

This is my 4th attempt at getting this resolved with Equifax. I have notified them via 2 CFPB complaints AND via certified letter ( USPS ) that the phone number listed on my fraud alert is over 10 years old and they have not updated this information.
This has stopped me from obtaining any new accounts over the past 4 months.
Product: Credit card or prepaid card

I purchased kitchen pulls worth {$220.00} from XXXX XXXX via XXXX using my Discover card on XX/XX/2020. This vendor uses XXXX as a selling platform for her merchandise to US customers  through XXXX. This fact was unknown to me including her location which is mainland XXXX. When I asked to have the merchandise returned because they were the wrong size, she gave me instructions to mail it directly to an apartment in XXXX and not to indicate that it is a return because she does not want to be charged a tax or something. She also said she would refund it including my mailing cost of {$74.00}. When I finally mailed it to her, she changed her tune that she was only refunding the mailing cost to me ( note that the shipping was free of charge, so no cost identified at all ). I also filed a billing dispute with Discover to get the refund. After all the back and forth negotiations, Discover refuses to refund me despite showing them my USPS receipt, tracking number and the shipping declaration. Their reason -- I have to show proof of receipt by the vendor. Note that USPS informed me at the time of my mailing that USPS can not track the final destination inside XXXX because it is a XXXX country. The tracking can only show the port of entry in XXXX. I have tried to ask XXXX to intervene but the vendor tries to sidetrack the issue by first saying that the amount was deducted from her account, failing to mention that she received the credit after the temporary refund was rescinded because I could only show the mailing receipt and tracking form but not proof of receipt by the vendor. 
To date, XXXX could not get any clear response from the vendor whether she received it or not. 
Based on all my due diligence of returning the items, it is very unfair that the merchant gets to keep her merchandise because there is no power from the U.S. to force her to show proof that she did not receive the items, and I have spent over {$300.00} for the cost of the goods and return shipping for nothing.

I would like the US Department of Finance to help me get my refund  and the cost of mailing from the vendor or from XXXX because I have ended up being defrauded by a vendor in XXXX being sponsored by XXXX. I am attaching the receipt from the vendor, the USPS receipt,  the tracking form, the shipping declaration, and the back and forth emails between me, the vendor, and XXXX. 
I look forward to your kind help, support, and consideration. 
XXXX XXXX XXXX ( XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2024 I noticed my SoFi account was frozen. I called, provided all the information even a picture of my ID and myself. And my account is still frozen. Causing me the inability to pay rent and face possible eviction.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXXXXXX XXXX account number XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I moved out of my last apartment XX/XX/2021, and e-mailed them to let them know I was moving out and was providing them my 60 day notice. She said thank you and it was received. Apparently within the email they said they needed it in writing. Im not exactly sure how that was enough of a notice. Its an electronic communication which is easy to provide proof. Handing them a written notice could become misplaced or lost. I emailed the debt collector company about the situation regarding the {$220.00} debt. I let them know exactly what Im telling you, they said thank you and we will reach out if any more information was needed. I never heard from them again. This is now on my credit as a derogatory remark. This is unacceptable and I will not be paying them. Please help me.
Product: Debt collection

Keeps calling even after I told them we do not know " XXXX ''.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX took over my loans when i was told i had to consolidate them by the student XXXX XXXX website at one point. I called myself several times to have the inaccurate missed payment data updated as i was enrolled in school at that time and they never updated it. I would get hung up on or put on hold for hours at a time. I finally put in through Experian and XXXX to get the changes made and they were incorrectly updated again and i was told that there was nothing i could do but file this complaint. All of my other credit is perfect except for these XXXX loans that are XXXX  my credit because the providers are not updating the records correctly.
Product: Debt collection

XXXX XXXX is reporting a balance owed and the balance was paid and I currently have the service with the company
Product: Credit reporting

XXXX relied on credit information provided by a company called SageStream LLC which incorrectly indicated that my credit score is XXXX. All XXXX of the reputable and actual credit reporting agencies ( XXXX, XXXX and XXXX ) all show my credit score from XXXX to XXXX. The incorrect info from SageStream resulted in XXXX requiring a {$500.00} deposit for each account which made it prohibitive to have service for what I needed. SageStream provided my credit report upon my written request but they had absolutely no account information on their response so I had nothing to dispute. They are giving out false and inaccurate info which is causing damages to me and they are not providing supporting information as to how they came up with their credit score. This is very detrimental to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute requesting that the account for XXXX XXXX ( XXXX ) that was sold to : XXXX XXXX XXXX XXXX XXXX be removed from my credit report from XXXX, Experian, and XXXX. The account is past it's time statute limitations of 7 years, it was opened XX/XX/XXXX and last updated in XXXX so the account was not validated, please remove this outdated account from my credit reports
Product: Debt collection

ON MY FIRST NIGHT AT AN APARTMENT ( XXXXXXXX XXXX XXXX XXXX XXXX, TX ), I WAS BITTEN BY FLEAS BECAUSE THE APARTMENT WAS NOT CLEAN AND THE CARPET WAS NOT REPLACED. AS A RESULT, I HAD TO MOVE TO A HOTEL AND FIND ANOTHER APARTMENT TO STAY IN. I PROVIDED ALL THE NECESSARY DOCUMENTS AND EVIDENCE TO MY BANK, XXXX XXXX, TO REQUEST A REFUND. XXXX XXXX PULLED BACK THE FUND TO ME. HOWEVER, THE PROPERTY OWNER IS NOW HIRING A COLLECTOR TO COLLECT A CHARGE THAT I DO NOT OWE. I HAVE EMAIL COMMUNICATION WITH THE PROPERTY OWNER, WHO HAD AGREED TO REIMBURSE ME FOR EVERYTHING FROM MY ACCOUNT. HOWEVER, THEY ARE NOW TRYING TO COLLECT THE FUNDS FROM ME AGAIN. I CAN PROVIDE ALL THE NECESSARY DOCUMENTS AND EMAIL COMMUNICATION TO DISPUTE THIS CHARGE.IN ADDITION, THE PROPERTY IS TRYING TO COLLECT {$350.00}, BUT I GOT FEEDBACK FROM XXXX, I OWE THEM {$600.00} SHOWED ON THE AMOUNT. I AM WONDERING DOES A DEBT COLLECT CAN INCREASE THE AMOUNT BY WHAT EVER THEY WANT?