23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

They gave me the hard date XX/XX/XXXX vs soft date XX/XX/XXXX XXXX recertified. However the XXXX website states my anniversary is XX/XX/XXXX. On that site it states The earliest you could be required to recertify is XX/XX/XXXX. 

On your account XXXX XXXX page, you XXXX still see a recertification date that is earlier than XX/XX/XXXX. We are working to get those updated, and we thank you for your patience. 

If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by XXXX year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. 

I have physical notices from MOHELA telling me I need to recertify by XX/XX/XXXX, and the XXXX website says my XXXX anniversary date is XXXX, and that XXXX is " the date when your IDR amount resets based on your recertification. 
How can I be forced to submit docs by XX/XX/XXXX, with my XXXX amount resetting, based on my recertification, on XXXX, and yet MOHELA calls those " soft dates '' and XX/XX/XXXX the " hard date. '' It looks like XX/XX/XXXX is the due date of when payment is due not recertification date. 

They define the hard date as the first day you would pay into your now-recertified plan if you submitted recertification docs on time. So for me, because I pay on the XXXX of the month, my " hard date '' is XX/XX/XXXX. 

I explained that's it a conflict with XXXX website, because the XXXX website doesn't say something like " you won't be forced to recertify if the first date you'd make a payment on a new recertification falls before XX/XX/XXXX as i stated above. '' It says its based on when we need to recertify. 

This conflicting and stressful to be transferred to Mohela. This issue needs to be rectified asap.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment reports on my credit file regarding XXXX XXXX card as reported by Experian and TransUnion and Equifax. These late payment reports are inaccurate and should be removed under the Fair Credit Billing Act ( 15 U.S. Code 1666b ), the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), and the Truth in Lending Act ( 15 U.S. Code 1637b ).
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution resolution was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E these acts that caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to first point out XXXX XXXX XXXX does not own my mortgage XXXX XXXX XXXX is the owner. My mortgage has not been sold to XXXX XXXX XXXX. Thus, said XXXX should be reporting the original debt in the same format as XXXX XXXX XXXX in the attachments provided. 

XXXX XXXX XXXX 's reported to Experian, the first date of delinquency reported in XX/XX/XXXX.  Therefore, since XXXX is not the owner of the debt just the collection agency this should be reported in the same manner. XXXX is attempting to restart the debt by reporting the first date of delinquency is XX/XX/XXXX, without including historical data. 

I have been reaching out to Experian almost one month regarding the reporting of XXXX XXXX XXXX on my credit report. Explaining XXXX is not reporting the data correctly. I spoke with XXXX on XX/XX/XXXX XXXX EST who is a customer service representative at Experian she explained there is no record of XXXX XXXX XXXX 's reporting on any of my credit reports from XX/XX/XXXX. I have attached the reporting for Experian to review.
Product: Credit reporting or other personal consumer reports

Unauthorized pulling of my credit putting multiple inquiries on my credit XX/XX/XXXX through XX/XX/XXXX 31
Product: Credit reporting or other personal consumer reports

the consumers name on the account is not his name this account, XXXX XXXX XXXX, It is one first name no middle name. This name does not even appear on the report need to be fixed was make with out me knowing it was going too for the police public business that collects personal information about consumers shall disclose pursuant to Section 1798. 130, the consumers have the right to deletion of consumer personal information there's no court order filed greeting you to hold this on my report your violating my consumer privacy right as to Section 1798.130, According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate ALL THE HARD INQUIRIES I HAVE reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable
Product: Credit reporting, credit repair services, or other personal consumer reports

have recently obtained a copy of my credit file and there is big mistake in my report : XXXX Account # XXXX : Unverified account XXXX # XXXX : Unverified account XXXX Account # XXXX : Unverified account CREDIT UNION LOAN SOUR # XXXX : Unverified account XXXX XXXX # XXXX : Unverified account XXXXT Account # XXXX : Unverified account XXXX XXXX XXXX Account # XXXX : Unverified account
Product: Credit reporting or other personal consumer reports

I mailed a dispute and have received the results of your investigation. Regarding XXXX XXXX XXXX XXXX XXXX XXXX  - your results indicate the item was repaired. Upon reviewing my report the item is still listed. Please update the item as per your investigation results indicated. I am the person making this complaint & I give CFPB authority to investigate this claim.
Product: Credit reporting or other personal consumer reports

I am formally requesting a investigation15U.S.C 1681i of inaccuractly credit reporting entries that are Afecting my ability to get Credit 15U.S.C 1681 S-2 Items are showing Repeating C/O daily Unlawful changes in Deliquency Dates Misreported active payment history Reading Debt can havevstatue of Limitation dates to be further out which is illegal I Demand Deletion of the items below due to constant inaccurate Reporting : XXXX XXXX XXXX Carmax
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT WORLD SERVICE Last reported XX/XX/2020 {$1000.00} Open balance XXXX UNIVERSITY XXXX XXXX Original creditor Report info Take a look at some options to help your score
Product: Debt collection

Under the laws of the State of South Carolina SECTION 37-5-103 : Restrictions on deficiency judgments in consumer credit sales. 1- A consumer is not liable for a deficiency unless the creditor has disposed of the goods in good faith and in a commercially reasonable manner. 

Unfortunately in this scenario, I did not receive any of the deficiency letters, or dates of when and where the car would be sold. The biggest part is that my XXXX XXXX XXXX XXXX  ( at the time XXXX value of XXXX ) was sold for only {$500.00} which clearly couldn't of been sold in good faith nor a commercially reasonable manner. 

I question that good faith of the sale and amount being reported.
Product: Checking or savings account

On XX/XX/XXXX I ordered a new pair of shocks for my XXXX XXXX XXXX  with mag ride for XXXX dollars. On XX/XX/XXXX I received the package. On XX/XX/XXXX I went to install the passenger side rear and when the car was turned on I received a suspension error message. I asked for a refund since I was within the company 's refund policy. I stated I would return them once a return label was received. The seller and I went back and forth for 2-3 days. He wouldn't sent a return label. XX/XX/XXXX I filed a chargeback with Wells Fargo Bank. XX/XX/XXXX I received a letter from Wells Fargo denying my claim. Called Wells Fargo and was on phone for almost 30 minutes attempting to plead my case. Was transferred to upper management and apologized to. Told the claim was approved now and everything is taken care of. XX/XX/XXXX I received another mail. Letting me know I'm going to have XXXX dollars removed from my account. The claim was denied. Double the original provisional credit! Called immediately and they stated I didn't submit " proof ''. That I should have never been told the claim was approved. Now it has been submitted to another level of management to review the phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my report and I need them removed. Ive filed disputes already amd now I need the removal of these items expedited. 
These following inquiries were unauthorized : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX
Product: Checking or savings account

I was attempting to sell a couch online and was scammed. The " Buyer '' sent me a fraudulent check. On XX/XX/XXXX ; I called the Bank the check was from ( XXXXXXXX XXXX  ) to ask if it was safe to deposit it, They told me ; because it was a company check : it was safe. 

A few days later, I called Ally Bank and asked if it was safe to remove funds from the account once the check had cleared ; they said yes. 

When the check cleared ; I called Ally Bank again just to make absolutely sure it was alright to remove money from the account, and again they said it was safe, so I did. 

The Scammer had me make two separate XXXX payments of XXXX XXXX dollars for " Movers ''. This did make me skeptical of the buyer, but the bank told me it was safe, so I went along with it. 

On XX/XX/XXXX, the check bounced. 

When I found out ; I managed to cancel one of the XXXX payment, but not the other. Ally bank preceded to act in a very hostile way with the next two calls I placed. 

There was very little transparency and I was getting contradictory information through emails. 

They closed my account despite the fact I made sure to ask them every step of the way to make sure I had been doing everything right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my credit balance to be updated on my XXXX XXXX XXXX XXXX. The balance should be XXXX
Product: Credit card or prepaid card

In early XX/XX/2023, I applied for the American Express Platinum card via their website. Prior to signing up, I called AMEX and was told that it is AMEX policy that, under the Military Lending Act, they waive their annual fee for military members. As an XXXX XXXX military member, as a XXXX  at the United States XXXX XXXX XXXX, I am therefore entitled to their policy and applied for the card solely because I was told the policy would apply to me. On my application, I noted that the majority of my pay came from my military income. I was approved for the card and yet, on XXXX XX/XX/XXXX, I was charged the annual fee. I contacted AMEX and let them know that I was supposed to have my annual fee waived. The agent apparently said that my application was processed under SCRA, not MLA, and that it would have to be resubmited. On or about XXXX XX/XX/XXXX, I called AMEX again and was told the submission was not done, but that it would be. I paid my annual fee as I was told there was nothing they could do with the fee and that I had to pay it, but that it would be XXXX days for them to review. My understanding is that AMEX, like other companies, simply check the XXXX XXXX website that confirms XXXX XXXX member rights, though some of my friends who are new to the military do not automatically pop up. Regardless, having seen no action, on XXXX XXXX, I called and spoke to an account manager and asked for the status. She said that she does not see that anything was filed under the MLA, but that there was a XXXX  request. I find it highly suspicious that AMEX would lure military members into paying an annual fee and then not have AMEX properly review the XXXX XXXX website or make any other effort to verify eligibility. While it is a very generous interpretation of the MLA, if the policy is only applied to people with the names XXXX or XXXX and not so much to those with a name like mine, the policy and actions of AMEX is XXXX and discriminatory. I asked if I could cancel my card and receive a full refund of my annual fee since AMEX took more than a month before they processed anything to see that I am XXXX XXXX, and was told it would take another 30 days which would then put me beyond the 30 days that AMEX advertises I can get a full refund of my annual fee. To tell someone you will qualify for a fee waiver, then to process it incorrectly, then to do nothing, then to ask for another 30 days so that a member would be ineligible to get a refund is a sneaky and deceptive way to take money from military members.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ONE OPEN AND ACTIVE LOAN with XXXX XXXX in XXXX IL. ALL OTHER XXXX XXXX and XXXX XXXX loans are paid in full, XXXX balance, and closed!!! I refinanced each one into the next and they close the old one when you do this so AGAIN I only have ONE loan with XXXX XXXX who used to be XXXX XXXX but they merged!! My ONE loan with them is the only one that should say open and be active, all others should say closed, paid in full, paid as agreed, refinanced and paid in full. This ONE loan I have with XXXX XXXX  was most recently refinanced in XX/XX/XXXX and is in the XXXX IL location. The terms should be 12 monthly payments of {$740.00} with a current balance of {$6600.00}. Please make sure all is reported accurately and then mail me a copy of my corrected and correct credit report!!!! XXXX made a correction on one of these accounts and only sent me the one page but sent it three times to me. I want the entire credit report after you verify all these accounts are correct, mailed to me!!!! I also have a XXXX XXXX XXXX loan which I have had since XXXX and it was being reported every single month on every report, then all of the sudden last month was not showing on any of them. I contacted XXXX XXXX Services and have filed a complaint on this as well. They said when they went to do their update XXXX loans got wiped out of the system, so they had to resubmit the update after correcting the computer issue and then would contact all the credit reporting agencies to add this back on to my reports. Because the people at XXXX and Experian DO NOT LISTEN and just ASSUME and rush that is WHY they make the errors they do and they responded they could not add information and explained the company does this, blah, blah, blah before they even knew that it was due to the companies computer issue that caused it to not be reporting one month and if they had taken the time to actually research they would have seen they have reported the account for the last three years!!! XXXX!!! DO YOUR JOBS!!!! I would fire people like this they have no intelligence and are lazy!!! Fix this account as well XXXX XXXX XXXX IS going to contact you to do so and I am telling you also because they said I might want to reach out to do the same even though they are doing so too!! This is MY personal information NOT YOURS and it had better be PERFECT and be SAFE or I will SUE YOU for all the money you have!!!!! Again, these businesses should be fined for every single error on every report, that is fair and right. They are intentionally breaking the FCRA laws!!!! CORRECT MY REPORTS AND MAIL ME AND THE CFPB COPIES OF ALL AND I DO NOT WANT THESE COMPLAINTS TO ANY OF THE THREE CREDIT REPORTING AGENCIES OR TO XXXX XXXX OR THE XXXX XXXX CLOSED UNTIL ALL IS CORRECT AND I HAVE CORRECT COPIES OF ALL THREE REPORTS IN MY HAND THROUGH THE MAIL!!! I have also contacted President Biden to let him know of all the issues I am having so he can do something about it too!!!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following date XXXX, XXXX. I'm now requesting you investigate this account and updates this payment to be paid on time immediately. Thank you for understanding and prompt actions.
Product: Student loan

Hello, I received a threatening letter from Transworld Systems INC stating my loan from XXXX XXXX XXXX XXXX XXXX has gone to collection. They stated that I have to pay them in full. Will not setup monthly payments.The interest rate is to high and the debt is more than the loan original amount and I was making payments. The interest is {$4000.00}. The original loan amt {$10000.00}. The amt due {$15000.00}
Product: Credit reporting or other personal consumer reports

Experian is reporting the account XXXX  ( Account Number : XXXX ) with a 30-day late payment history. I did not authorize or give consent to report this account, and its reporting violates my rights under the FCRA, specifically 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. Additionally, I have noticed discrepancies between the information that Experian and other credit bureaus reported, indicating a failure to maintain the maximum possible accuracy as required by 15 U.S.C. 1681e ( b ). This inaccurate reporting has caused significant harm to my credit profile and negatively impacted my ability to secure financial opportunities. I demand an immediate investigation and removal of this account from my credit report. If this issue is not resolved promptly, I will pursue {$1000.00} in damages for willful non-compliance under 15 U.S.C. 1681n. Please address this matter urgently to avoid further action on my part.
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Mortgage

Due to the coronavirus pandemic, my wife and I have lost all of our income for the foreseeable future. Therefore, it has become very difficult to make our monthly mortgage payment to XXXX XXXX PHH Mortgage Services XXXX I called them in XXXX as soon as our businesses began shutting down and spoke with a representative. I was told at the time that the only option they were offering was 3 months without payment or penalty. But on the 1st day of the 4th month, the previous 3 months payments plus the 4th month would be due. Having absolutely no income, this would be impossible. I hung up being very angry and disappointed at their offer. Around XX/XX/XXXX I received the attached letter offering the same plan : three months forbearance and a balloon payment due on the fourth month. We went ahead and paid the mortgage for the month of XXXX because we didn't really see a balloon payment as anything helpful. We also don't trust the idea of " renegotiating '' with this company at the end of three months if we were to forego paying the mortgage. What could they potentially do to us? How would we know that they would offer to attach the missed mortgage payments to the end of the loan as we believe they are supposed to do? The plan doesn't seem to be fully outlined and we are concerned. We are now dipping into our limited savings to stay afloat.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Sectio

n 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any docume
nt that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment complex here in XXXX North Carolina and was told that i have a judgement against me from the park at XXXX XXXX XXXX XXXX XXXX XXXX Located in XXXX Florida XXXX On XX/XX/XXXX, I called and spoke with the property manager and was advised to call back and ask for assistant manager XXXX XXXX on XX/XX/XXXX. I spoke with him and requested information on the judgement against me, He advised me that there was no outstanding balance and that i did not owed the apartment complex nor did i owed anything in collections. I ask him to please provide me rental verification letter verifying this information. XXXX XXXX emailed me the rental verification letter on XX/XX/XXXX. Assuming that everything was okay on XX/XX/XXXX. I later received a letter from Capstone Credit and Collections LLC ( XXXX XXXX XXXX XXXX, Fl XXXX ) stating that I have an outstanding debt towards the park and Via XXXX in the amount of {$1700.00}. This Letter was signed by XXXX XXXX  Account number XXXX I did not have a balance nor an outstanding balance when I moved from the park at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called Capstone Credit on XX/XX/XXXX, and left a message. However, no one has returned my phone call.