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

The listed company has used my credit report in violation of the F.C.R.A by reporting inaccurate information that has impacted my credit profile negatively. Ive disputed this account which resulted in the company removing the exact accounts from my credit profile reported by the other credit bureaus yet fails and refuses to remove the remaining reported accounts in direct relation to the accounts disputed and removed between XX/XX/XXXX- XX/XX/XXXX. I request as resolution that any accounts directly related to this listed account information be immediately deleted from my credit report. 

-Account info- Account name XXXX XXXX XXXX XXXX so known as XXXX  XXXX  XXXX Account number XXXX Account type Collection Responsibility O Individual Date opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment Oriminal halance A
Product: Student loan

I have submitted documentation via XXXX multiple times with a copy of my tax return with each submission. A tax return is an approved document per XXXX when filing for an income driven repayment plan. Per my tax return, my Adjusted Gross Annual income is around $ XXXX a year. Based on my understanding of federal regulations, and XXXX below $ XXXX annually should result in a repayment plan of {$0.00} a month. My wife has submitted the same documentation for her student loans to XXXX with no issues. However, Nelnet continues to refuse my application and is expecting {$400.00} a month in repayment, which simply is not possible.
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 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 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 XX/XX/year> 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 card or prepaid card

On XXXX XXXX I open an account for a credit card with Discover Card ... .My credit score was fair the Discover credit card company inform me that I had to put up a secure deposit I put up a Deposit of {$700.00} ... and was informed if I may all credit card charged to the account on time I would receive my secure deposit back and continue to use the Discover card ... XXXX XXXX XXXX which would have been 1 year ... I never was late with my payments and my credit score went up more than 60 point from when my account open.I called Discover Credit Card Company Representative and asked about my refund or deposit and was told yes I did make all payments on time and that after each month the look at all accounts payment history..But they never responded back or sent the secure refund..at the end of XXXX XXXX I spoke with an rep for Discover and was told they still was looking each month at all accounts ... I asked them on that day XXXX XXXX XXXX ..to please close that account and send me my deposit back..my credit card account was XXXX balance..for the last two statements ... .however ; this company continue to use my secure deposit earning interest monthly ... and as of this date XXXX/XXXX/XXXX ..I have not received my deposit ... this company continue to open new accounts with the promise of returning the secure deposit after one year if all payments are made on time ... but never keep their promise to many consumer who only desire is to earn or rebuild their credit and show good faith ... .I build-ed my credit back up with many other accounts I have open ... .why are they still using my hard earn money from my SSI retirement check..my only income.
Product: Student loan

I am writing because my payment to MOHELA was sent on XX/XX/year>. The payment was made via check written for {$12000.00}. That payment was converted to an ETF and cleared my checking account on XX/XX/year>. This amount was to have paid off my student loans IN FULL because that was the payoff amount I was given. 

I called my bank and was given this information : Trace Number is XXXX XXXX XXXX XXXX XXXX Settlement Date was XX/XX/year> Despite that fact, as of today, nine days after the money was taken from my checking account, my MOLEHA account statement indicates I still have a balance due of {$12000.00}. Interest continues to accrue. 

I did call last week and spent 3 hours on the phone with MOHELA. I was transferred three times and told dont worry it will be reflected in your account by Monday. 

I also sent them a letter and an email asking how to resolve this issue.
Product: Student loan

I requested a refund from AidVantage, per the CARES act on XXXX XX/XX/2022. My balance, originally {$1800.00}, was updated to reflect interest charges that were charged to me during the payment pause when XXXX XXXX interest was supposed to be charged. My new balance is {$2100.00} which is completely negligent of Congressional mandates and abusive. 

Today I received a check from the Treasury for only {$660.00}, which certainly does not cover the original payments made of XXXX. This feels like fraud and abuse.
Product: Credit card or prepaid card

I have been an American Express cardholder since 1983 and I currently pay fees of {$5000.00} a year just for having the American Express XXXX ( XXXX ) card. The Fair Credit Billing Act ( section 1637 ( a ) ( 7 ) ( ii ) requires American Express to disclose an address to which I can send written notice of a billing dispute. American Express is consistently refusing to provide this address to me ; agents claim they do not know it and want to provide me only with an email address, which does not protect my rights under the Act
Product: Debt collection

These collection agencies have affected my credit score with XXXX, XXXX and XXXX negatively adversely. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. They are causing me economic hardship. 
In accordance with the Fair Reporting Credit Act, my rights been violated... 15 U.S.C 1681 Section 602 a credit reporting system that is fair and accurate to the consumer, and protects the privacy and specifies the permitted uses of consumer information. 15 U.S.C 1681 Section 604 the user must have a permissible purpose that is consumer specific, such as a credit transaction, a business transaction, or a court order involving the consumer who is the subject of the report. 15 U.S.C 1681 Section 623 it prohibits reporting information with actual knowledge of errors and requires notice of dispute and notice of delinquency of accounts. It also allows consumers to dispute inaccurate information directly with the original creditor after completing the process with the credit bureau. Furnishers of information may face civil liabilities for willful or negligent failure to comply with these duties.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX charge off entry on my credit report for {$690.00} which is fraud. 

Vance & Huffman has an account for {$110.00} account # XXXX that is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 1 ) Citizen One ( bank ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX XXXX XXXX ( bank ) 4 ) XXXX XXXX XXXX- ( finance/personal ) - ( XXXX ) XXXX I purchased a vehicle from a car dealership called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX on XX/XX/2021 ph ( XXXX ) XXXX ( I'm financing ). 

My credit report was ran multiple times from these banks separate from the dealer 's. After leaving messages with the dealership for help, I didn't get a return call. I only consented XXXX XXXX XXXX XXXX to run my credit once, so I'm disputing these other inquiries. 
XXXX XXXX XXXX XXXX never asked me for my permission to run my credit more than once.
Product: Credit reporting or other personal consumer reports

Per the ( Privacy Act of 1974 ) need this account to be deleted immediately from all 3 credit bureaus ( XXXXXXXX XXXX XXXX ) that are reporting this to my credit! I have never given any written or any other consent for this company to report anything to my credit or for my information to be sold. ( 15 USC 1681B ) According to Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax showing accounts unknown when they are paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding inaccurate items on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to removed. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I demand an immediate removal of this violation and compensation for the damages caused and thorough investigation into this violation and appropriate remedies as per the law. I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These Chargeoff, Accounts Included in Bankruptcy, and Public Record should be removed : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Kindly provide me with substantiating documentation that unequivocally confirms the validity of the account in question on my credit report, while ensuring that my rights have not been flagrantly violated. In the absence of such compelling evidence, I insist on an immediate eradication of this detrimental data. XXXX XXXX XXXX Balance Owed : {$0.00} - Unless you can promptly furnish me with convincing documentation that definitively affirms the legitimacy of including the following account on my credit report and guarantees the inviolability of my rights, I vehemently demand the expeditious removal of this deleterious information. XXXX XXXX Balance Owed : {$0.00} - Thoroughly and diligently investigate the inclusion of this account on my credit report, and present me with irrefutable documentation that unquestionably validates its presence and unequivocally assures the preservation of my rights. Should you fail to produce such compelling evidence, I insist on the immediate and unequivocal removal of this unlawfully reported information. XXXX XXXX Balance Owed : {$0.00} - I require unequivocal and concrete proof that justifies the presence of this account on my credit report and categorically certifies that my rights have not been wantonly violated. In the absence of such compelling documentation, I demand the swift and decisive eradication of this unlawfully reported data. XXXX XXXX XXXXXXXX  Balance Owed : {$0.00} - The charge off account on my credit report, despite having a XXXX balance, is causing excessive distress and severely tarnishing my credit score. I demand that you take immediate and decisive action to thoroughly investigate and expunge the charge off status, thereby ensuring the accuracy and currency of my credit report. XXXX XXXX Bankruptcy Reference # XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : 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 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 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 XXXXXX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Student loan

Ive made repeated attempts to contact MOHELA in early XXXX via their message system on their website after MOHELA transitioned to a new platform about inaccuracies between the balance on my student loans before the transition and after, the status of my application to the SAVE Program submitted prior to the transition which no longer shows as pending, and being told my loans payments are administrative forbearance while my application to SAVE program was pending and that no interest would be accruing and yet payments were deducted from bank account and interest accrued during the alleged forbearance. I have had XXXX response from MOHELA to any of these requests. I called customer service twice last week and the week before and was on hold for 2.5 hours on the first call and 3 hours on the second call before hanging up out of sheer frustration. MOHELA should penalized again for wasting millions of dollars for providing extremely poor customer service and extreme delays in processing applications.
Product: Mortgage

I am a senior and sold my home in XXXX ( XXXX XXXX  ) in XX/XX/XXXX The mortgage was held by SWBC Mortgage. I moved near my grandkids in XXXX XXXX. On about XX/XX/XXXX my son received at my home an escrow refund check for XXXX from SWBC. I was traveling and I asked my son to deposit it at XXXX XXXX XXXX in XXXX XXXX. He called and asked how he should endorse it and XXXX recommended to deposit it " For deposit only '' which he did because he didnt want to sign my name. At the end of XX/XX/XXXX I received a notice from XXXX that the escrow check from SWBC would not honor the check for " non endorsement ''. I called SWBC immediately and they transferred me from office to office. They said they would call me back on the cancelled funds. No return calls were EVER made. I then called two times per month beginning inXX/XX/XXXX, was told that twice that the funds would be " resent within 48 hours '' yet nothing was sent. They asked that XXXX send a certified letter from XXXX itself stating they didnt cash the check. XXXX did and still no replacement check. Finally after 5 calls the end oXX/XX/XXXXI received the check inXX/XX/XXXX I have had a credit score of at or near XXXX for over 15 years. In XX/XX/XXXX I had a notice that SWBC did n't receive my payment for my new home in XXXX XXXX, and had a statement owing for two months, which I paid, minus the XXXX late fee. I never got late fees from them for the 5 months they owed me XXXX and I also had been assessed bank fees from XXXX for XXXXSWBC told me they would ask for a waiver and get back to me. In XX/XX/XXXXI found that they reported my payment being 1 month overdue, and drastically affected my credit score to XXXX. I want this removed from all credit agencies. The XXXX owed was paid and I am still disputing that fee. SWBC held XXXX of my escrow money while I was trying to pay for my new home in XXXX also mortgaged by SWBC. On a fixed pension from the fire department this is alot of money for me to float to them. XXXX XXXX
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 customer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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: Student loan

I was a victim to fraudulent loan practices by the XXXX  XXXX XXXX and XXXX XXXX  XXXX XXXX. I have contacted to schools and the lender and nobody is helping me remove the loans from my Nelnet account. This has been an ongoing issue for years and I continue to be charged interest.
Product: Mortgage

I filed a complaint against Wells Fargo through the XXXX  XXXX  XXXX  on XX/XX/XXXX for refusing to talk to my family & I to permanently modify our monthly mortgage payment to {$1500.00} total. Wells Fargo also denies that they were in the right for their decisions when we have documented them being contradicting and misleading from their poor customer service. 

When we filed our case through the XXXX  XXXX  XXXX, Wells Fargo response on XX/XX/XXXX that states " We understand your concern that you were advised to fill out paperwork to request a loan modification even though you were not eligible due to the previous loan modification. Please note, we cant discourage anyone from applying for payment assistance. Which we view this as a tactic from Wells Fargo to prolong an unnecessary procedure to further extort my family out of our home. Also, it states in the same paragraph that, We received your appeal request ; however, on XX/XX/XXXX, the appeal was denied because no new income documentation reflecting a change in income was received. Please note, if you wish to use non-borrower income for a payment assistance review, the parties receiving the income must be listed on the title. As such, we were unable to utilize your XXXX  and XXXX  income for the review. Which we view this statement being contradicting & misinforming because they stated that they did not see no new documentation while follows up by saying we were unable to utilize your XXXX  and XXXX  income for the review and the parties receiving the income must be listed on the title but on the non-borrower income form it does not state that the individual signing the form needs to be on the title on the home to be considered under Wells Fargo review. Again, this is another example of poor communication and inadequate customer service. 

We sent our rebuttal on XX/XX/XXXX and a representative from Wells Fargo called my wife XX/XX/XXXX to say that We will receive a letter tomorrow about how they came to a conclusion that they have answered our request about the Co-borrower form my wife then tries to correct them to explain how we wanted answers about the non-borrower form but when the representative was seeking a manager, the called dropped and my wife could not reach the representative nor did they call her back. We received Wells Fargo letter on XX/XX/XXXX that stated We received a similar request from you and sent our response on XX/XX/XXXX. For your reference, weve enclosed a copy of the letter dated, XX/XX/XXXX, which addresses most of the issues mentioned in the inquiry. and ending with Weve determined the account was handled properly and no corrections are needed as no error has occurred.
Product: Money transfer, virtual currency, or money service

Apparently I have always had this issue about someone XXXX for me or someone acting like they're managing my account or anything that overview and my Social Security anything with my information which is probably my my my family my parents and they're not allowed to do this and I had an issue with this and I still have an issue with this and the other thing is that people are made using my social
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account No. XXXX is reporting INCORRECTLY as a joint account. Transunion failed to investigate and delete the tradeline.
Product: Credit card

I filed a fraud claim with BofA XX/XX/XXXX. Then I hired an attorney and decided to sue the merchant. I called BofA XXXX XXXX to cancel the claim to proceed with the legal matter against merchant. BofA applied the charge back to my credit card XX/XX/XXXX. However, As of today, XX/XX/XXXX the merchant still have not received the funds from BofA for 3 transactions resulting in severe delays and monetary damages. ( Over {$15000.00} ). 
I went to the branch of BofA and spoke to XXXXXXXX XXXX XXXX XXXX XXXX XXXX  he was unable to explain where the funds are. The fraud department is unable to explain what happened and where the funds are either. However, I am still being charged interest. Please helps us find the funds and release it to the merchant. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I wrote transunion a dispute letter back in XX/XX/XXXX. They received the information XX/XX/XXXX. I enclosed my updated ID and social security card only to get a credit report XX/XX/XXXX stating the wrong information still. I have disputed everything on my credit report and nothing is being correct, I have sent in the proper documentation to have my credit report updated. I have even called this company to inform them that none of my information as been updated are corrected. The bankruptcy court does not send out people public information to make it a public record. its student loans on my credit that are not reporting if it is not reporting remove them. I have paid things off and my credit score has not be updates are has the items been taken off my credit. This is hurting my credit and keeping me from getting a home loan, bank account etc. so i need them to get my information together and get it correct.