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

I had received XXXX emails on XX/XX/XXXX regarding potentially negative activity on my credit report. After reviewing my credit alerts, my student loan lender, MOHELA, reported they had attempted to contact me and were unable to reach me. These seven reports brought my credit score down XXXX points. I contacted MOHELA explaining that I had not received a phone call, letter, or email from MOHELA. I was informed by MOHELA that they in fact did not attempt to contact me. I have no past dues and I am still on my grace period with this lender and therefore should not have been reported negatively. They admitted that they will send multiple credit alerts to ensure people will contact them. 

MOHELA 's use of false credit reporting has lowered my score as low as it has ever been. The alert mentions they were unable to contact me and had been attempting to when in fact they never had. If they had called, emailed, or sent a letter, I would have willingly cooperated. This hinders my ability to finance my car, pass credit screenings with employers, and continues to cause unnecessary distress. MOHELA will not remove the alerts and claims my score will " fix itself in time ''.
Product: Mortgage

I began my modification with noic in XXXX 2016. While modifications are not supposed to charge any fees, noic would NOT start a trail modification until I paid a XXXX title fee. If I am struggling to make a mortgage payment it seems unfair to charge me a fee to start an fha modification. Once the fee was paid I was emailed the trail modification packet to sign and return via fax. I completed my trial payments all on time. My last payment was XXXX XXXX. I was told XXXX XXXX I 'll have paperwork coming to me. Today XXXX XXXX I called. I was advised in order to get final mod paperwork I again have to pay an overnight fee. They refused to fax documents or email. When questioned why they were refusing since it was done with the trail mod, they only offered for me to personally pick up over 2 hrs away, or they would regular mail XXXX XXXX but I need to mail back by XXXX XXXX. They indicated I would have to cover the cost of overnight paperwork because they pass that expense on to get modifications finalized. They would send regular mail but not till XXXX XXXX but refused to fax or email documents back even though it was done before. So either I have to pay another fee to them to have a modification or I run the risk of paperwork not getting to me. I included the email in which they sent the trail modification to me via emsil, no issue. I included the trail mod paperwork received via email with the fee, and the email in which they received my fax back, again no issue. Now all of the sudden they state fax is no longer an option because of the quality of documents and email is not secur. So instead I am told I either must pay an overnight fee or wait till XXXX XXXX for reg mail and it due back by XXXX XXXX.
Product: Credit card

I opened a small limit ( {$500.00} ) credit card at Home Depot to use for minor purchases made infrequently. HD 's system is supposed to reject charges that are over limit. However, it let me charge beyond the limit ( around {$300.00} ), then proceeded to charge interest in an amount larger than the minimum payment. I caught this scheme when my balance did n't change & paid a substantial amount to bring the total below the {$500.00} limit. They also then reported my credit as over limit. That is was over limit was due to their system and/or deliberateness to enable profiting from interest payments. I believe this to be a predatory practice and is probably a large scale one. They use a company not called Home Depot to do billings & collections but surely you can find out.
Product: Debt collection

Good Day, I filing a report as it pertains to my account with onemain financial. Account had a settlement offer and before I was giving the opportunity to settle account was listed as closed as well as charged off negatively affecting my credit. I have made several attempts to get this rectified with creditors, however creditor has repeatedly reported this falsified information and Im seeking legal in this matter
Product: Mortgage

My husband and I applied for a HELOC in 2006 from GMAC/XXXX. XXXX XXXX was the officer we worked with during the application process. His contact information is GMAC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. From the documentation I kept in my files, this is what I have pieced together. My husband and I were quoted a fixed rate of 8.25 % XXXX mo term. We received the loan documents to review on XXXX/XXXX/06. Everything looked good per the TIL and Good Faith. We then received a second copy which I kept. Then we received a third copy which turns out, was not the same set of documents. It is dated one day later on XXXX/XXXX/06 and did not include any specifics about the loan, no TIL and no Good Faith were included. I also have a copy of the closing instructions dated XXXX/XXXX/06. with no TIL or GF listed in the document section of the closing instructions. My loan was since sold to OCWEN. I recently received a letter from the current HELOC financer stating that I will be making the final loan payments at full principal as per the terms of my interest only loan. The problem is that my husband and I never applied for an interest only HeLOC. We feel that we closed on a different loan than what was initially disclosed to us and defrauded of 10 years of principal payments.
Product: Debt collection

MIDWEST responded by copying and pasting my response as their response which is bluntly saying they do not Care about the law. Keep case Open!     FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law.  Midwest Recovery  has been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.
Product: Student loan

I registered for loan consolidation with Premier Student Loans XX/XX/XXXX. When I signed up on XX/XX/XXXX I was told in an email and on the phone there was a 10 day cancellation window. If I cancelled within that 10 day window the consolidation would be cancelled and all of my money would be refunded. I signed up XX/XX/XXXX and cancelled by phone and by email on XX/XX/XXXX. ( Still within that 10 day window. ) My money was refunded back in XX/XX/XXXX and I was told via phone that the consolidation had been cancelled after I did not receive a response from my email. Earlier today I called XXXX XXXX XXXX to start a payment plan to begin paying back my loans with XXXX XXXX. When I spoke with a representative at XXXX XXXX I was told my loan had been consolidated by XXXX. I guess Premier Student Loans transferred my loans to XXXX after I had already cancelled?? And my loans were still consolidated against my will. I called XXXX XXXX at Premier Student Loans and notified him of the error. He told me it was their mistake and that the consolidation should never have went through as they noted I cancelled within the 10 day window. I then spoke to his supervisor XXXX XXXX and she also told me that it was their mistake and that they were sorry but the consolidation has already went through and it was too late. I am very confused and upset as I clearly followed all of the guidelines to cancellation and because of their negligence my loans were consolidated against my will. I did not receive any notice in the mail for any of this consolidation, so I am just finding out today of this unwilled consolidation.
Product: Checking or savings account

I regards to missing funds talking to a chat bot not a live representatives
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act. XXXX  Account Has Violated My Rights. ( XXXX ) XXXX XXXX {$1000.00} acount # XXXX. ( 2 ) XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX acct # XXXX {$910.00}. ( 5 ) XXXX XXXX acct # XXXX {$400.00}
Product: Mortgage

I closed on my mortgage on XX/XX/XXXX with the first payment due XX/XX/2018. I received a call on the XXXX about the payment not having been received. I then proceeded to schedule the payment soon thereafter. I used my XXXX XXXX account to make payment on the mortgage. 

Once XX/XX/XXXX payment became due, I proceeded to log into their payment portal. At that time I noticed that my required payment amount was for two payments. This immediately raised a red flag about the payment made in XX/XX/XXXX. My first thought was that the payment was not accepted by the mortgage company or that for whatever reason it was returned by my bank. Maybe an error in the processing or a transposed account number resulted in a rejected payment. That was not the case. 
At that point, I proceeded to pay the ~ {$4200.00} payment covering both months. Having not received any indication from the mortgage company that anything was wrong, I thought nothing of the matter and took solace in the fact that the payment debited my account properly the following day. 

On XX/XX/XXXX, I received a credit alert notification. XXXX XXXX   reported my mortgage as being 30 days past due. Apparently, XXXX   refused to properly apply the first payment due in XX/XX/XXXX and this had an adverse affect on my credit score. 

I called XXXX and spoke to a polite gentleman that refused to help address the matter. He mentioned that the reporting needed to be effectuated as other creditors needed to have a comprehensive understanding of my ability or inability to pay my obligations. 

I have attached a copy of my most recent bank statement that demonstrates my ability to meet my financial obligations.
Product: Credit reporting or other personal consumer reports

In my 1st complaint I stated the following I have reached out to all 3 major credit bureaus, asking them to verify these accounts and to do investigation on everything on my credit report, and they did. The 3 major credit bureaus stated that everything was accurate. After looking over my credit reports and doing my own research I found some inaccurate items still listed on my reports. Some items are being reported on different dates some items show that the accounts were open on different dates. I advised that my credit report show be accurate across the board and should not have any discrepancies. This is not the case in my situation. In accordance with the Fair Credit Act, XXXX XXXX XXXX has violated my rights. XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. State 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 an account without my written instructions. XXXX XXXX XXXX is reporting inaccurate items on my credit report. I do not have a legal binding contract with XXXX XXXX XXXX, they are not the original debtors and I have not signed any paperwork with this company. Therefore I demand this account to be removed from my credit report. 

I received a response from Equifax stating the account is no longer reporting on my credit report but today as of XXXX the account # XXXX is still reporting on my report Please remove and delete this account from my credit report. I do not have a legal binding contract with XXXX XXXX XXXX, I have not signed any legal document with this company.. Therefore I demand this account to be removed from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX  XXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

On Saturday, XX/XX/2020, we went to a US Bank branch ATM machine withdraw money. Due to ATM machine malfunction, it took our cards. I requested US Bank Branch manger to return the cards, he told me once the machine took our cards, they cards are no longer ours and the machine threads them right away ( which I found out later it is not true ). I then called customer service, district manager 's assistant and regional manager 's assistant of US Bank. They refused to do any investigation nor give back my cards even though there was no fault of my own that the ATM took my cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Student loan

I took out a private student loan with XXXX XXXX XXXX in XXXX of XXXX. As an XXXX-year-old unemployed XXXX  XXXX, they approved me for a private student loan of {$16000.00} with no collateral or co-signer. 

Since I've out of school in XXXX, I've been paying on this loan. I've been through a bankruptcy, I contacted the servicer to see what my options were for lowering my monthly payments or perhaps getting some portion of the balance forgiven. The representative for the servicer was very nice, but she said unfortunately they offer NO repayment options or forgiveness options. I have no one else to contact besides the servicer. XXXX  XXXX XXXX went bankrupt in XXXX. They were able to rid themselves of all their bad debts. I wasn't able to do the same with this loan through my own bankruptcy. 

By the time this loan is paid off in XXXX of XXXX, I will have repayed roughly {$42000.00}. Nearly three times the original balance of the loan.
Product: Credit reporting or other personal consumer reports

In researching XXXX 's notifications of late payments, I have made numerous complaints regarding XXXX  charging of late payments, thus producing late fees for customers to pay. I've sent a previous billing error letter to no avail. I am attaching another one with the qualifying information of proof of my being late. If they can not answer all of my questions, to prove I was indeed late including grace periods and all, then these 2 payments they've recorded late must be revised to " OK status ''. I am a good paying customer and have a long good standing payment history.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, ) was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 30 - 60 DAYS 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 ) 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

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX Reported : XX/XX/2019 {$680.00} XXXX  XXXX  XXXX  Reported : XX/XX/2019 {$220.00} XXXX XXXX XX/XX/XXXXReported : XX/XX/2019 {$590.00} XXXX  XXXX XXXX Reported : XX/XX/2019 {$130.00} in the file you maintain under my Social Security number. 
No contracts exist ... Accounts were settled with creditors ( no valid claims ) I want it removed. False information is being reported. 
I challenge the accuracy, compliance and reportability of these listings. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX  XXXX  XXXX
Product: Checking or savings account

On yesterday, Monday, XX/XX/XXXX, I spoke to, XXXX ( XXXX ) at, PenFED. I asked why is it still showing that my account is showing, LOCKED NOT CLOSED? XXXX informed me that, I could open a, SAVINGS ACCOUNT, however NOT a checking account that, I had CLOSED, because, I never received my, DEBIT CARD. I have been a member of, PenFED since XXXX. I believe, PenFED used my previous account number too, RE-ROUTE my pensions and other transactions. In XXXX I applied with my married name, XXXX XXXX XXXX In XXXX, I opened an account with, PenFED in my maiden name, XXXX XXXX. I do believe that, PenFED used my previous closed account number to do, FRAUD, IDENTITY THEFT, COMPUTER DEVICE FRAUD, AND OTHER TREASONOUS CRIMES USING MY ( PII ) Personal Identifying Information. To make their actions against me even more egregious, the phone numbers that are currently on file does NOT include the phone number, I have given, PenFED my phone number ( XXXX ) XXXX, that, XXXX called me back on, on yesterday, Monday, XX/XX/XXXX. The previous phone numbers are phones that were in my house that was, STOLEN BY AND USED BY, XXXX XXXX. This person has received, and used the DEBIT CARD, that, PenFED REFUSES TO CANCEL. PenFED, also REFUSES TO CLOSE MY CHECKING ACCOUNT. I AM REQUESTING THAT, CFPB TO DO AN, FORENSIC INVESTIGATION INTO MY COMPLAINT AGAINST, PenFED ON MY BEHALF. I AM REQUESTING A COPY OF MY RECORDS AND INVESTIGATIONS. I AM ALSO REQUESTING THAT, CFPB, DO FILE A LAWSUIT AGAINST, PenFED for these FINANCIAL CRIMES. In closing, PenFED, XXXX ( XXXX ) asked me to provide her with my, Cellphone Bill, and to do a FACE TO FACE call with her ; however they never asked the person who did an, XXXX for anything. PenFEDs attempt to, cover their crimes up against me are, FUTILE. CHARGES ARE IN ORDER. Thank You! XXXX XXXX XXXX Tuesday, XX/XX/XXXX.
Product: Credit reporting

I paid my gas bill on XXXX/XXXX/2015 at my local bank. I was later toldthat they had problems that day and that my payment did n't gothrough, I realized it when I received my gas bill and it was XXXX. 
I immediately paid the bill when I realized it did n't go through. 
Equifax have me listed for a late payment when it was throughno fault of my own.
Product: Credit card or prepaid card

I have an Apple credit card and really like most of its features. 

My problem, however, is that available card payment methods prevent me from paying off my balance. Interest of 10.99 % continues to accrue until their payment processing window opens up again and allows me to make a payment. 

Even then, amounts their systems 'allows ' me to pay are insufficient to pay off the balance. ( Presently, I have a comparatively small balance of under {$300.00} ) When I did internet searches for possible solutions to my problem I discovered that hundreds of people are experiencing the same problem. 

I called XXXX processor, Goldman Sachs, to make a payment over the phone and get rid of the balance that way. But, as reported by many others, they were unable to do the transaction. 

I just want to be able to pay off my balance monthly instead of accruing interest. But apparently this is not what Apple intends- they'd like to force me to continue to pay interest on a balance I'm trying to get rid of.