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

All throughout XXXX, I was unable to make my mortgage payment, as per a representative I spoke with, their systems crashed and would be resolved Before XX/XX/XXXX, so I would be able to make my online payment. XX/XX/2020, I went in to make my payment, which I WAS able to make, but there was a note that stated I did not have to pay, as my account was in forbearance. I NEVER REQUESTED to be on a COVID forbearance plan, so after making my payment, I immediately contacted Wells Fargo to rectify my account status. The representative I spoke with stated it would take 2 weeks for my account to reflect the proper coding. Regardless, I received an alert from my free credit reporting there was a remark on my credit BY WELLS FARGO, stating I was in a forbearance plan. I am reporting to both the CFPB and OCC, as I know any credit reporting tied to COVID is a direct violation of the CARES act. Again, not only was this reported in violation of the rules and regulations set forth by our regulators, Wells Fargo also reported erroneously as I A ) did not request to be placed on a forbearance plan and B ) my loan is current, with a due date of XX/XX/2020. Also, I have never made a late payment, so am very upset about how my credit report reflects a forbearance status. I have attached screen prints from my credit reporting showing the remark, as well as from my account, showing my account is current. 

Lastly, my step dad, XXXX XXXX XXXX, is on the note, but not the mortgage. I am currently only filing this complaint on my behalf, but would expect if his credit were affected as well, the same updates to credit reporting should be reflected for him. 

Thank you. 

XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have had a loan with Mariners Finance and the percentage rate is over 20 %. my payment is XXXX I've been making payments i even tried to roll it into a debt consolidation but they said they would take legal action. I told them I was protected under the SCRA and they said it doesn't appley to them. 



Opened On XX/XX/2022 APR 29.90 %
Product: Student loan

This letter is to formally complain about the unauthorized refinance of my private student loans that occurred in XX/XX/XXXXXXXX XXXX 

On or around XX/XX/XXXX, I contacted the company handling my private student loan, American Education Services ( AES ), to explore potential options for lowering my student loan payments. The private loans were taken out in XXXXXXXX XXXX XXXX Currently, I owe {$43000.00}. The original loan amount was {$8500.00}. The principal has long been paid, and what is remaining is all interest. During this call, I specifically requested : A soft credit check : I did not authorize a hard credit check. 
An estimate of my monthly payment if I were to refinance my loans. 
A follow-up call to discuss the estimated payment and compare it to my current payment options before proceeding with any refinance. 

Despite these explicit instructions, a refinance of my loans occurred without my authorization. This action resulted in a higher monthly payment than I was previously paying via a letter when I logged into my account and was notated in my next invoice. 

I contacted AES company around XX/XX/XXXXXXXX XXXX XXXX via phone to address this issue. During this call, a representative reviewed my account and confirmed that the initial call notes indicated my request for an estimate and a follow-up call. 

I believe that the representative who handled my initial call failed to follow my instructions, resulting in the unauthorized consolidation of my loans. 

I submitted my complaint in writing to American Education Services a few days later after speaking with the AES representative, expressing my displeasure with their actions of refinancing my loan payment without my consent. 

I asked for AES to immediately investigate this matter and take the following corrective actions : Reverse the loan refinance : I request that you rescind the refinance and return my loans to their original status. 
Remove the hard credit inquiry : I request that you remove the hard credit inquiry associated with the unauthorized consolidation from my credit report. 
Waive any fees associated with this error. 
Provide written confirmation of the resolution of this issue, including the reversal of the refinance and the removal of the hard credit inquiry. 

I let them know that I expected a prompt and satisfactory resolution to this matter. If the issue is not resolved within 10 business days,. I let AES know that I would be forced to explore further options, including contacting the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

I received two voicemails after submitting my complaint from AES on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX I returned the AES voicemail on XX/XX/XXXX, and spoke with an AES representative. The representative read the notes and agreed that AES did refinance my loans without my consent and that the issue had to be escalated to a complaint with CFPB on their part. She asked that I not say anything because she was not supposed to admit that they made an error.
Product: Checking or savings account

On XX/XX/2018 I went and looked for a wedding dress. They kept the wedding dress in their hands. We paid and literally less then 24 hours. My wedding plan changed and i will not have a wedding. I called and tried to talk to them They WILL NOT refund us our money. {$370.00}
Product: Checking or savings account

On XXXX Chime locked me out of my account due to suspicious activities. They swnt me an email requesting i send the front and back of my driver 's license and a piece of mail verifing my address. I sent them everything they requested and then they sent me another email requesting a w9 form and a new form of id. My drivers license is up to date. I have done plenty to prove my identity and my account is still locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get information from XXXX for several years and have not been able to have student loans on my credit report verified. I have asked for promissory notes, information regarding the opening of these accounts and for all information being reported to ALL XXXX credit bureaus to be verified and reported accurately.
Some time ago I was ordered to appear in from of Judge regarding these student loans, after an information hearing and subsequent status hearing the case against me was dismissed per the Judges orders.
Moreover he also stated that even if XXXX was able to prove the account ownership ( which they ultimately dis not ) the statute of limitations has passed.
Product: Debt collection

Debt Recovery Solutions was on credit report for {$340.00} when tried to get mortgage. I phoned the company to get information on this so called debt was screamed at and demanded that I pay that day. Called back again with no better luck. I have disputed the information and nothing has been done
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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, credit repair services, or other personal consumer reports

I attempted to purchase a credit report from what I thought was Experian s official sight. After foolishly giving up all of my information I realized it was a fraud site, XXXX.Experian.com The site then crashed and reported a message of a unfixable system error. I then realized it was a fraud. Nothing has happened yet but they now have everything. At least I need a record that I reported this.
Product: Credit reporting or other personal consumer reports

accounts contain incorrect information such as late payments and missing payments that affect my history also accounts in collection check please XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I have the right to maintain an accurate, up to date, and % 100 true consumer credit report. Please understand that I am fully educated on the Fair Credit Reporting Act. 

As a consumer I am also educated on the dispute process and E-Oscar and I feel that I have invested a great deal of money disputing items that are in error which should not be reporting on my credit report. Experian, XXXX, and XXXX continues to validate propagated errors throughout E-Oscar. No human being is actually handling these disputes and this is just plain illegal. As a consumer my credit report should be % 100 accurate.
Product: Credit reporting or other personal consumer reports

Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX  Account number XXXX Account name XXXXXXXX XXXX Account number XXXX
Product: Credit card or prepaid card

Credit card company Barclay Card US : I charged a coat with XXXX on XX/XX/XXXX ( order # XXXX ). My daughter mailed the coat back as defective in XXXX XXXX. They mistakenly mis-calculated that it was " over a year old '' transaction and said she would get a merchandise credit. However, on XX/XX/XXXX, XXXX gave a credit back of {$240.00} on my OLD credit card ( which had been closed because the number was stolen ). The vendor and credit card company both have confirmed that there was a credit invoice sent and received by my credit card company ; credit invoice # XXXX. It was supposed to be " automatically '' charged back to my new account number by the credit card company. I have had to be on the phone with my credit card company twice now ( not to mention numerous emails and phone calls with XXXX as well ) to get my money properly credited back to me. Each time the credit card company started with a person being completely incompetent and not knowing at all what to do and then finally getting a person supposedly skilled and able to do this and yet each time, despite promises of the money being credited " within 24-36 hours '', NO MONEY. I am furious and they have now had my money for almost 3 months and I do not have it!!!! I am so tired of this incompetence and practically theft. I want my money back and I don't want to have to call and beg them for it and they should pay me interest on this money that they have kept from me. My last call was on XX/XX/XXXX at XXXX XXXX. I spoke with employee ID XXXX " XXXX ''.
Product: Mortgage

Since acquiring my loan late XXXX, Mr. Cooper has misapplied regular payments as " Additional Principal Payments '' repeatedly and then marked the month the payment was intended for as " late '' and tacked on fees. Part of this issue seems to stem from the automatic payment for the XXXX of the month arriving early and Mr Cooper 's system simply can not handle receiving early payments ( I've even be asked to send payments in after the due date to avoid this issue ). 
This has previously impacted my credit score as XXXX XXXX system reported me delinquent even though they had received ALL payments in a timely fashion and I was actually being reported delinquent for paying them one time or a little early ( one or two days prior to payment due date ). 
This has been an ongoing issue with Mr Cooper staring on XX/XX/XXXX when they misapplied my XX/XX/XXXX payment as extra principal instead of the XXXX payment and then marked XXXX as late. I continually have to monitor this account to avoid being reported to the credit bureau 's again due to Mr Cooper 's negligence in handling my account. 
Why am I being told to pay my mortgage after the due date to avoid late fees? So I have to pay late to avoid late fees? It's a terrible way to do business and after 3 years I'd think Mr Cooper would have enhanced their system by now to recognize an early payment. 

I'm attaching the history Mr Cooper recently sent showing how they have mangled this account making it extremely difficult to figure out just what it is they are doing.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block.Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Consumer Loan

I applied for and was approved for a loan with Avant Credit on or around XXXX of 2014. At time of approval, the interest rate/terms were not disclosed, nothing was signed on paper. Ive been making timely payments via their website and just noticed their interest rate of 35.9 % is unusually high. Because of this high rate, the payments I 've made thus far do not even reflect on balance owed, they go towards interest. Had I known about this prior, I would not have agreed to supposed terms, which were not disclosed at the time. This high interest rate is illegal in opinion and should be lowered. Please advise Avant Credit they need to lower my rate ASAP if they wish to continue seeing payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX 10. XXXX XXXX XXXX
Product: Checking or savings account

after a dispute submitted with Bank of America where I received the nevada unemployment benefits they in their resolution decide to charge my account back for almost XXXX they allege that there was not fraud that left my account negative but the rest of the money from my years worked in unemployment they never provide me with the money nevada ui said they sent it but when I call boa they won't unlocked my account because is negative. its been a horror movie leaving me with no money after years and years of work done Bank of America hasn't release almost XXXX $ from nevada ui. I HOPE SOMEBODY CAN HELP ME WITH THIS MATTER THANKS, XXXX
Product: Credit card or prepaid card

I purchased {$510.00} worth of merchandise with my store credit card on XX/XX/XXXX, under a promotion where I pay no interest as long as the merchandise was paid off within 12 months. I made a {$40.00} payment on XX/XX/XXXX, and XX/XX/XXXX. I made another payment of {$45.00} on XX/XX/XXXX. On XX/XX/XXXX I made a {$100.00} payment. On XX/XX/XXXX I made a {$60.00} payment. Lastly, I made a payment of {$250.00} on XX/XX/XXXX totaling {$530.00}. I had tried to make the last payment on XX/XX/XXXX and XX/XX/XXXX, but the credit card company had canceled the payments. I have been in contact with this company FOUR times to dispute the charges on my account because my account states that I still owe {$230.00} and states I still owe {$190.00} towards the merchandise. The company states that I owe late fees with interest even though on the account it states that there is no minimum payment due since it's a " 12 months no interest promotion ''. I had even been charged late payment fees on the payment they canceled.
Product: Student loan

I just called FedLoan Servicing today, XX/XX/XXXX to ask for an update on my qualifying PSLF payments and why they weren't consistent from loan to loan ( out of 6 total ). The service rep stated that they're " still working on the manual review '' that I requested back in XX/XX/XXXX. This is unacceptable and I need a complete and thorough review of my payment history because I have a lot more qualifying payments than on file with the new servicer ( FedLoan received my loans in XX/XX/XXXX ). Also, they have no information on my XXXX payments ( should have been PSLF-qualifying ) made in XX/XX/XXXX-XX/XX/XXXX.
Product: Debt collection

EMAILS SAYING I OWE THEM MONEY AND IF I DONT PAY IT. I WILL BE LAID OFF FROM MY JOB THEY WILL HOLD MY SS NUMBER I WILL NOT GET MY PAY CHECKS, I WILL NEVER GET A JOB AGAIN AND I WILL BE ARRESTED IT IS A DIFFERENT EMAIL EVERY TIME, THEY DONT GIVE ME A NAME OF WHO IS EMAILING IT. JUST LEGAL ACTION WILL BE TAKEN. I CAN LIST THE EMIALS XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because I have multiples incorrect personal information on my credit report.
Product: Student loan

I filed bankruptcy in XX/XX/2016 and my loans were discharged due to a hardship. Department of Education/ Navient is refusing to update my account to the correct status and still says that I owe. I sent them a copy of My bankruptcy forms stating that it was discharged.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681c-2 please delete the fraudulent inquiries that I have listed. Also, Pursuant to 15 USC 1681e ( b ) you must maintain accurate records at all times within my credit file. Please update my personal information to match accurate records within my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX account number XXXX US Department of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX account number XXXX US Department of education XXXX XXXX  XXXX XXXX  XXXX XXXX Department of ED XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of education XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/2018 my SSI loaded XXXX debitcard issued by XXXX XXXX bank [ in XXXX XXXX tx. ] ... was defrauded of a {$700.00} withdrawl. 

after repeated attempts to report this i finally recieved, filled out and returned their " Questionaire of Fraud Report '' ... returned by mail.XX/XX/2018 [ to XXXX ] .... 

i have recieved no further communication of any kind ... 
today 's date is XX/XX/2018 enclosed are photos of the questionaire of fraud report ( Card number submitted in this complaint is old { cancelled } card number ) New card has been issued.
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX