23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I received an approval for a trial period loan modification. I signed the form and returned the document on XX/XX/XXXX. 

I am filing this complalint because as many home owners this loan servicer is not applying the payments correctly. The payment was due on XX/XX/XXXX. According to the documents the 1 trial period loan payment needed to be received by the last day of the month. 

Well I did my part, paid XXXX XXXX URGENT delivery for the same day for OCWEN to collect the funds. OCWEN LOAN SERVICING BROKE MY AGREEMENT. According to the automated system Ocwen applied my first trial payment on XX/XX/XXXX. 

Ocwen needs to be investigated and shut down. DID I KNOW THIS WOULD HAPPEN AGAIN, XXXX. This information needs to be forwarded to the investor of my mortgage as well to show that OCWEN is XXXX UP!!
Product: Student loan

MOHELA claims to be having my loans transfered, but months have gone by, and XXXX says they have received no requests. 
MOHELA has nothing in my account to indicate that I have applied for PSLF more than once. 
I applied for PLSF in XXXX and have followed up for 10 months with few answers. I spoke with XXXX on the advocacy team on XX/XX/22 and was told my application issues would be reviewed. He gave me a number to connect me directly to the advocacy team. When I tried to follow up, it was a non working number. XXXX I applied in XXXX. I spent months calling MOHELA and was finally told this summer that XXXX did not transfer my account, because they failed to verify my current employer of 13 years ( though it was on the application ). Instead of verifying it, they transferred it in XXXX so MOHELA would have to do it, but it still had not been processed at all and never showed on my account. I applied several more times to MOHELA starting in XXXX. There is still absolutely no record that MOHELA has received my application. It just says my loans are in good standing on the MOHELA site. After many, many calls, I spoke with XXXX who said that XXXX had my loans recorded as still being with XXXX XXXX. In reality, XXXX transfered my application to MOHELA and my loans to XXXX. He said they would review the application and get it moving. I never heard another word and can not get in touch with anyone at all. None of their published numbers actually work. They just have 15 minutes of recordings and then hang up on you. I'm ten months into my application and can not get any help or answers, and I'm being given false contact information. 
I call every week and no progress is made toward moving my loans. There is no way to monitor the pending application. My account has been blank for months. They have not even acknowledged the applications they say they have received.
Product: Student loan

Im trying to reach Nelnet to manage my loan repayment plan since they are asking for a payment after the XXXX freeze. I need to work with them directly on this since I have an income driven repayment plan, and have XXXX income at the moment. 

However, I cant reach them and am currently on hold for XXXX and a half hours to no avail. This doesnt seem like proper business practices whatsoever. A quick search on XXXX showed me that this is a rampant problem, and once you do reach a representative, they supply inaccurate information that cause major problems down the line. 

Im sure this issue will continue to progress. Thanks for your help.
Product: Student loan

I have recently contacted the company regarding my discharge under the XXXX XXXX XXXXXXXX case. However, Mohela, the company responsible for managing my student loans, has claimed that they were not informed about my involvement in the case and were only instructed to put my account in forbearance. Despite this, my student aid account has been displaying " processing discharge '' since XX/XX/year>. However, Mohela sent me a letter via the portal about refunds I should receive that is now no longer in the message portal. I have spoken with someone before we seen I am due discharge but told me its processing so for other agents to say the Dept of Ed hasn't sent them anything is untrue. In fact, I uploaded the letter from the Dept of Ed myself and Mohela denied it. This misinformation seriously affects my credit score, as it is being reported to the credit bureaus. Additionally, the balance is increasing due to accrued interest. This situation has to be rectified immediately.
Product: Payday loan, title loan, or personal loan

XXXX XXXX  XXXX  sold our loan to Sst. The company was closed bc it was ripping military families off. Now Sst is continuously ripping us off with high interest and fees. I have been paying large payments to pay the loan down and each month they come back with over {$200.00} in just fees and interest on top of a daily balance. Spoke with the company several times because theres no way we can pay the loan off if they are ripping us off on daily fees that wasnt discussed on top of a monthly interest fee. Please help us.
Product: Debt collection

My ex husbands credit card bought by midland and charged off was charged off as my debt. It wasnt my debt. Its counting against my credit score and report. Midland has sent letters and called my house my address. Im divorced since XX/XX/XXXX separated XX/XX/XXXX. This isnt my debt from XXXX XXXX  XXXX  its his
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX 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

There is an incorrect " Collection '' on my credit report from XXXX XXXXPLUSFOUR collection agency, that has reappeared AGAIN dating back to XXXX. 

XXXX  had REMOVED the " collection '' stating that it had been paid by insurance ( XXXX ). And XXXX REMOVED the collection after they found out it had been paid by INSURANCE. 

XXXX XXXX said it had been reported to collections -- there was nothing they could do. 
I contacted PlusFour on XX/XX/XXXX and XXXX  to get this removed. BOTH companies refused to remove it even though it had been paid by INSURANCE. ( DOCUMENTS ATTACHED ). 
I even showed them that XXXX  and XXXX  had investigated and REMOVED the " collection. '' The insurance, XXXX, had issued a letter stating that it was an invalid debt, after I had requested an investigation in XXXX. ( Letter Attached, page 2 ) I told PlusFour that this was an incorrect /invalid charge that had been paid by my insurance in XXXX. PLUSFOUR refused to remove it. XXXX  also refused to remove it. 
XXXX* PLUSFOUR stated 2 DIFFERENT AMOUNTS -- $ 110.00+ and also XXXX for the SAME INCIDENT. 
** ATTACHED DOCUMENTS INCLUDE MY PERSONAL/PRIVATE INFORMATION. PLEASE DO NOT PUBLISH.
Product: Credit reporting or other personal consumer reports

B of A stated there was an application for a new credit card for XXXX XXXX. I was told they had now marked it as fraudulent and sent the information to the credit bureaus to correct my report. The inquiry is still showing. This impacts my credit. 
All of this was handled through the Bank of America Fraud Department over the phone. No paperwork was ever given to me.

This may be unrelated. Now my social and old house phone number from XXXX years ago are showing on the dark web with my new address.
Product: Mortgage

NewRez mortgage processor as not been reporting my payments to all 3 credit agencies every month. The company waits three months to report one on time payment leaving the other past months I have paid marked as unavailable data.
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. 15U.S.C1681 Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 USC 1681 604A section 2 It also states a consumer reporting agency can not furnish a account without my written Instruction. 15 USC 1681 c ( 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 then convictions of crimes which antedates the report by more then seven years.15 USC 1681 c 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I have used cash app to recieve money from my coaching clients. Whenever I try to log into the cash app i am not recieving a confirmation code. I tried to call cash app support on several different occassions and all i have gotten in response is they can not locate my account and they even accused me of using a different name which is not true. When i tried to ask the different customer service reps to talk to a supervisor they denied me to talk to them.. this is very unprofessional
Product: Credit card or prepaid card

Home Depot Credit I was denied card due to " Unable to verify identity information '' I found another name on account " XXXX XXXX XXXX '' this is not me!!! Iam XXXX XXXX. XXXX!!
Product: Checking or savings account

I refinanced my home through XXXX and XXXX XXXX XXXX I was sent checks from XXXX to pay off credit accounts. Two of the checks were for Chase bank credit accounts. Chase paid off one account and deposited the other check in my checking account. Then, they closed the checking account and suspended my funds for the second check. XXXX, XXXX and myself have all made unsuccessful attempts to retrieve my money, to no avail. Chase says that XXXXXXXX XXXX XXXX must be registered in their system to field any calls. We all tried several different numbers, but Chase claims XXXX isn't a legitimate business. Yet, they cashed and paid off my first credit account.
Product: Debt collection

In XX/XX/year> XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX ) has stated that they are assuming control over my loan from XXXX XXXX  I have informed Aqua finance multiple times since initial contact that i do not consent to contract with their organization ( due to their XX/XX/year> FTC vs. Aqua finance case. ) I have submitted a conditional promise to pay via certified mail which aqua finance initially accepted then blatantly disregarded. I do not wish to contract with aqua finance i do not consent to any business relationship with aqua finance. Aqua finance continues to harass, and attempts to coerce, issue statements to the UCC and violate my rights as the living man to attempt coerce me into contracting with their organization. Their actions align with criminal charges in pursuant of 18 USC 241 Deprivation of rights.
Product: Money transfer, virtual currency, or money service

On XX/XX/scrub>/2024 signed up to work with credit repair company. Payment was required via cash app. Made payment in the amount of {$290.00} to XXXX XXXX. Was told by cash app, who only communicates via messaging that they could not do anything about it, the payment could not be reversed.
Product: Credit reporting or other personal consumer reports

After reviewing my TransUnion credit report, I can still see information that were not authorized. I'm a victim of Identity theft and this information is not mine.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. XXXX5 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. 

This company 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

My card was used without my consent after I lost my wallet. Cash app took weeks to respond to my claim. I had to file two to get a response. They then denied my claim within a few hours of me sending the requested information.
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. 

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 Account Number 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

My name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, I noticed that somebody most likely my Brother, XXXX has been trying or it may be possible that he has used my name!! Whom ever is using the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I have never been there in my life, my brother XXXX lives there, I was told that he also used my nephew XXXX 's name to make fraudulent charges in the past!! Whom ever has also been using the name, XXXX XXXX, my phone number is XXXX, cellphone, home XXXX XXXX, Thank you!! Please prosecute!!! XXXX XXXX XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX I contacted Toyota Financial to see if the dealership had notified them that I returned the lease. The agent I spoke with told me they had not and I inquired about the disposition fee to which the agent told me " If you are billed for a disposition fee please call us and we will waive it based on the account history. '' XXXX comes around and I received a bill for over {$800.00} which Toyota Financial informed me consisted of the disposition fee and charges for tires. I replaced the old tires with brand new tires the day before I turned the lease in and when I told this to Toyota Financial they told me the charge was because the doughnut tire did not match the rest. They agreed this did not make any sense and agreed to waive the tire charges. However, they would not work with me when I attempted to discuss the disposition fee I was told I would not owe. 

Since then I have called back numerous times trying to speak with a manager/supervisor to which I am told none are available and they will not allow me to hold to speak to one and refused to call me back. I have repeatedly informed them of the conversation I had with their agent of XX/XX/XXXX and they do not care. 

I attempted to call today XX/XX/XXXX and was told that they can not pull the call I had with their agent on XX/XX/XXXX because it was with their customer service department and not their lease end department so there is nothing they can do. 

I informed them I am willing to start paying $ XXXX/month on this account as money is tight for me. They advised me I can pay that amount, but when the account is reviewed it will be sent to collections because their monthly minimum is $ XXXX/month. I work in XXXX and to the best of my knowledge it is absolutely illegal to send a customer who is making payments to collections and accounts can not be reported to a consumers credit when payments are actively being made. I relayed this information to the agent and she held firm with her $ XXXX/month or else I would be sent to collections. I wanted to get her saying this on a recorded line so I informed her she was now being recorded and she told me that she will not speak to me on a recorded line and eventually hung up on me. 

Toyota Financial is constantly calling me on auto dialers and when I answer they just hang up on me. Toyota financial is completely unethical and not customer service oriented. I and my family have owned Toyota 's since the early XXXX XXXX. We definitely will not be working with them again.
Product: Money transfers

I reached out to Venmo because there was an unauthorized transaction made on my account ( of {$190.00} ) to XXXX-ny. They were uncooperative even after I confirmed that I did not know the user who received the funds. Venmo stated that they could n't do anything about it, despite me not knowing the user on the other end which absolutely shocked me as I have never received such a dismissive, unprofessional response in my life. I have used Venmo for years and have never had an issue like this and it is very unfortunate that this occurred to begin with.
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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

Upon reviewing my credit report, I noticed accounts listed that I did not give permission. The collection agency has not provided sufficient proof of ownership or authority to collect the debt. 15 USC 1681e ( b ) of the Fair Credit Reporting Act, states If I didnt give written consent its considered identity theft. I did not give any reporting agency permission to report this inaccurate, unverifiable information to my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I entered into a contract with " XXXX  '' in XXXX XXXX, CA to install a fireplace in my home with the provision that I would not pay the final 10 % of the total charges until the job was complete. However, XXXX submitted a claim on my Chase Credit Card for the final payment ( 10 % / {$1800.00} ) before the job was done. So, I contested the charge. 

The fireplace installation was finally completed on XX/XX/2020 and on XX/XX/2020 I contacted Chase dispute and informed your representative that because the job was completed, the dispute could be dropped, and the vender ( XXXX  ) could be paid. I paid the charge when it showed up on my XXXX bill. 

On my XXXX statement, it reflected two charges for {$1800.00}, and two credits for {$1800.00}. I was confused by this, but since the 4 transactions resulted in no charge to me, I ignored it. 

I received my XXXX statement, and there is a NEW charge of {$1800.00}. I called Chase, and the representative told me that it had to be paid, along with interest and penalty fees. The representative refused to reverse this erroneous charge. 

XXXX  sent me an email confirming my account was paid in full in XXXX. I have been double charged by Chase Credit Card. I will expect a speedy reply to this, as well as a reversal of the current {$1800.00} charge and all penalty fees associated.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report.I recieved a 1099-C ( cancellation of Debt ) for the following charged off accounts listed below.After checking my most current report the updated information stated this account was still being reported.This account can not be reported as charge off on my credit report.Please cease reporting and delete this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX