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

Contacted Village Capital last XXXX to have them fix errors with their reporting of this account. They never fixed it and as a result, I was unable to purchase a home due to their failures. 

15 USC 1681 s-2 says you Village Capitol are a furnisher of information to a consumer reporting agency. You are PROHIBITED BY LAW to furnish inaccurate information.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Product: Debt collection

I paid a debt in full to the law offices of Patenaude & Felix on XX/XX/XXXX The case was dismissed on XX/XX/XXXX. On XX/XX/XXXX a process sever went to my fathers house to server a summons. The process sever was told that I live in XXXX. The process server returned 2 days later and again my father told him i live in XXXX. The process server left the summons on the porch. this is 3 weeks after the case was dismissed The process server violated my privacy by leaving the summons with my father at his address in XXXX. The process server made no attempt to contact me by phone or at my home in XXXX. After I picked up the summons from my father 30 miles away in XXXX I called the process server. I asked why am i receiving this when the case was dismissed 3 weeks ago He said that He only received the paperwork about a week ago. This would have been after the case was dismissed. This legal firm and process sever caused my father a great amount off stress becase he did not know why there was a lawsuit for 5 days. It caused me 5 days of anxiety and stress of sending 7 emails to XXXX XXXX before responded to my email. XXXX XXXX has placed 100 % of the blame on the process server. To me it does not matter who is to blame, the process server, the law firm or XXXX XXXX. someone need to pay for violating my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This involves Conns XXXX account number XXXX XXXX Cash Option Equal Pay No Interest ( EPNI ) offer. 

I purchased furniture and electronics for my new home at the total cash option price of {$6800.00} with an expiration date of XX/XX/XXXX with the ability to pay in full within 30 days of expiration date which would be XXXX/XXXX. 
I called Conns at number above as stated in there letter attached on XX/XX/XXXX to get the accurate payoff prior to making the final payment. The representative told me that it could take up to 3 days to get the payoff and told me she would request it and try to call on XX/XX/XXXX to try to get it. I therefore called on XX/XX/XXXX and requested the accurate payoff once again. The rep told me it was {$930.00}. I informed her to make a note in the file that I needed to make sure this was accurate to ensure I do not get charged the interest on the credit by paying it off within the time period. She informed me the amount was accurate. The payment was made on XX/XX/XXXX for the amount given by the rep as the accurate payoff. I called the following week to verify and was told I did not meet the terms of the agreement because the rep I spoke to failed to include a XXXX administrative fee to the total she provided me. I told the rep that they could review the notes as I specifically wanted to ensure the amount was accurate. The rep I called regarding my complaint did see my notes requesting that she add my concern that this needs to be the accurate amount and he agreed she did document that. I dont feel that Conns treated me fairly as their rep provided me the inaccurate payoff and due to their agents error the administrative fee was not added. I would have easily paid the {$100.00} administrative fee to avoid paying well over {$2.00} thousand in interest fees. I called on 2 different occasions trying to resolve this and was promised an email or call back from management and never received one. I would like this resolved fairly as I tried to comply with there terms and depended on their agent and requirements to call them directly for the accurate payoff.
Product: Student loan

I am submitting additional complaints against Mohela. My complaints are as follows : 1. Mohela failed to process my Teacher Student Loan Forgiveness application. I uploaded it on the site in addition to mailing it. I worked at a Title I school for 5 years as a Special Education teacher in which my employer verified. I both mailed and uploaded it to the site. Upon checking the site recently, I see that my submission disappeared. I am entitled to {$17000.00} in student loan forgiveness because I worked at a high needs school as a special education teacher. Per the law and what Ive been entitled to receive. Please do not share to upload on the site. That response would be bogus. I want answers that are concrete and offer solutions to get this issue and discrepancy resolved. 
2. My second complaint is the ridiculous amount of interest that has accrued on my loan after consolidating and it was sent to Mohela. Per student aid.gov, the Department of Federal Aid, the amount I really owe is {$150000.00}. The screenshot attached is the most recent account as of XX/XX/year>. I should not be owing more than this amount. Unfortunately, Mohela hijacked my interest unfairly by doubling this amount to {$300000.00}. Thats preposterous. Respectfully, I did not pursue a medical degree! I should only be owing {$3600.00} in interest. 
XXXX. Lastly, I am submitting a complaint regarding customer care because of the XXXX hour wait times to only speak with a representative who can not help me and to then be transferred to another rep which usually takes an additional two hours.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and unverifiable information on my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. Despite my previous disputes, these errors remain unresolved, and as a result, I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) due to your continued noncompliance. 

The following accounts and information are incorrectly reported and must be immediately investigated and removed : XXXX Account # XXXX Date Opened : XX/XX/XXXX Issue : Late Payment incorrectly reported. I have never made a late payment on this account. This is a clear violation of 15 U.S.C. 1681e ( b ), which mandates accurate reporting. 

XXXX XXXXXXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Issue : Late Payment incorrectly reported. I have never been late on this account, and no verifiable evidence supports this claim. Under 15 U.S.C. 1681i ( a ), you are required to reinvestigate and correct these errors. 

Additionally, my credit report contains multiple inaccurate addresses that I have never lived at and should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 15 U.S.C. 1681c ( a ) ( 5 ), outdated or inaccurate addresses must be deleted. The continued reporting of false information violates my rights and has significantly harmed my credit score.

Since my previous disputes have been ignored, I have escalated this matter to the CFPB. If you do not remove these inaccurate items within 30 days, I will explore further legal action for damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 

Please provide me with written confirmation that these items have been removed or corrected. I expect a full response within the legally mandated XXXX period. 

Sincerely, XXXX XXXX
Product: Debt collection

I REQUESTED MY LATE BE WAIVED BECAUSE MY PAYMENT WAS NOT POST MARKED LATE. THE MANAGER XXXX XXXX, CALLED ME AND TOLD ME NO. I ASKED FOR SOMETHING IN WRITING THAT MY REQUEST WAS DENIED. I WAS TOLD NO. I ASKED WHY DID I NOT GET A LATE FEE FOR XXXX, SHE WOULD NOT ANSWER. THEY HAVE NO MAIL REPECTICAL AT THE ADDRESS. THIS IS WHY MY PAYMENT WAS LATE. MY PAYMENT WAS NOT POST MARKED LATE. THEY ARE CHARGING A XXXX DOLLAR LATE FEE AND EVICTION DUE MY PAYMENT BEING RECEIVED ON THE XXXX INSTEAD OF THE XXXX. THEY WERE CLOSED ON THE XXXX AND DO NOT ACCEPT POST DATED CHECKS
Product: Credit reporting or other personal consumer reports

I never sign a promissory letter with this agency. Please delete this off my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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, credit repair services, or other personal consumer reports

I notified all 3 credit reporting agencies ( XXXX, TransUnion and XXXX ) that the Chapter XXXX Bankruptcy was an error starting with the court. My husband filed for a joint Chapter XXXX but I asked to be dismissed at the meeting of the creditors. The trustee agreed to remove me and allow my husband to go forward. Many trips later to court I found out I was never removed. I was able to finally get the judge to dismiss my case but it was 2 years later! I disputed my credit bureau reporting numerous times. I even submitted my court paperwork as well as 2 years of my on time mortgage payments. All during this time my mortgage disappeared off my report, then reappeared then was removed, my open credit cards were saying they were part of a bankruptcy and I was unable to refinance my house. Im being first punished by a court error then the credit reporting agencies for reporting information that is not correct. I cant get ahead with my credit because all my hard work ( mortgage ) is no longer reporting. Im asking for my Chapter XXXX dismissed case to be removed from all 3 credit bureaus.
Product: Debt collection

Approximately early XXXX, saw that my frozen credit had received a collection notice against it, instantly hurting my credit score. I had previously frozen my credit as I had observed several attempts to open accounts under my name in the XXXX timeframe. 

This account however, I had no awareness of, is not mine and is purely a result of identity theft. 

I attempted to file a dispute with XXXX but they require me to file a dispute with the FTC which redirects me to you. 

Below is the information reported by XXXX : Original creditor XXXX XXXX Account info Account name CONVERGENT OUTSOURCING Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$680.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$680.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$680.00} Highest balance {$0.00} Terms 1 Months On record until XXXX XXXX
Product: Credit card

I booked round trip flight on XXXX XXXX on Chase travel website using my Chase Sapphire credit card points for XXXX persons. On return date, I could n't return due to sudden medical emergency with my mother. I contacted XXXX XXXX and asked them if they would rebook us, The agent told me they do n't provide any refunds for cancelation even due to medical emergency and they would n't rebook me. I had to return on XXXX XXXX and I paid for my return flight on XXXX. 

I filed claim with the benefit dept on XXXX XXXX for trip interruption/trip cancelation and I have sent them everything including the Chase travel vouchers and doctor 's letter but they have been playing game and they have been very dishonest since XXXX XXXX. 
The benefit dept continues to lie to me by saying the return XXXX XXXX flight was booked by XXXX XXXX and not by me. I have sent them my reservation document that shows I booked the return XXXX XXXX flight on XXXX XXXX website. 

I want full refund for the original canceled flight and genuine apology from all those agents that I spoke to regarding my claim. If they continue to choose to play game, continue to lie to deny my claim and not resolve this in the next few days, I will be taking legal action in small claims court for damages. 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$640.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$7800.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my TransUnion credit report and found inquiries that are not mine. Inquiries are attached with the required documents.
Product: Credit card or prepaid card

Fees charged to business semi annually, because they have not had any activity of any customer using a XXXX, XXXX XXXX or any card during this period. My company accepts all major credit cards, but mostly they use Visa, MasterCard, If they have other cards we accept them also, I feel it is unfair to a business owner to charge them a fee because no activity of a certain credit card was used during this time period, A Business can not help what type of card a person has, we pay, as it is, for the cards we do take. Why should we pay for a card that someone didn't have, to me this is so wrong and I am being charged for something I have no control over, if this is the case, I will be forced not to .take any card except debit with my bank. To me this is the same as stealing money from a company, because someone didn't use a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : DEPTEDXXXXXXXXXXXX-Balance {$6800.00} DEPTEDXXXXXXXXXXXX-Balance {$7700.00} DEPTEDXXXXXXXXXXXX-Balance {$0.00} DEPTEDXXXXXXXX***-Balance {$0.00} XXXXBalance {$0.00} DEPTEDXXXXBalance {$0.00} DEPTEDXXXXXXXX**-Balance {$0.00XXXX DEPTEDXXXX-Balance {$0.00} DEPTEDXXXX  -- Balance {$0.00} XXXXBalance {$0.00} XXXX XXXXBalance {$0.00XXXX DEPTEDXXXXXXXX-Balance {$0.00} XXXXBalance {$1000.00} XXXXBalance {$0.00} XXXXBalance {$0.00} US DEPT EDXXXXBalance {$12000.00} US DEPT EDXXXXBalance {$7600.00} US DEPT EDXXXXBalance {$4000.00} US DEPT ED-XXXXBalance {$12000.00} US DEPT EDXXXXBalance {$1700.00} US DEPT EDXXXXBalance {$4000.00} US DEPT ED-XXXXBalance {$3200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance {$360.00} US DEPT EDXXXXBalance {$13000.00} US DEPT EDXXXXBalance {$370.00} US DEPT EDXXXXBalance {$1900.00} US DEPT ED-XXXX {$1200.00} US DEPT EDXXXXBalance {$750.00} XXXXBalance {$0.00} XXXX XXXX  XXXXBalance {$0.00}
Product: Debt collection

I haven't received correspondonce or validation of debt including date account was open, completed and executed agreement including signature pages, explanation of how the debt was calculated. I am not aware of this debt.
Product: Checking or savings account

i inherited a bank account from XXXX XXXX XXXX XXXX or XXXX XXXX it is and after i inherited a detective went up to the bank with forged documentation and changed the name and information on the account to XXXX XXXX or XXXX XXXX XXXX or XXXX XXXX XXXX and i been having problems because some one took forged documentation up there again and made it appear that they had full XXXX XXXX XXXX over me and they dont and im having prtoblems out this world and its got me losing everything
Product: Credit reporting or other personal consumer reports

This is a letter reopening the dispute with XXXX XXXX XXXX. Please see attached evidence that this tradeline was disputed and deleted on XX/XX/XXXX, by TransUnion correcting the credit report. 
However, this item has been added back to TransUnion which has since been disputed according to the following dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX x 2, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Repeated disputes without deletion are against all established credit reporting standards. Especially with a record of deletion. 
On my most recent call, today, XX/XX/XXXX, TransUnions agent, XXXX hung up on me regarding this investigation. I have forwarded this information regarding TransUnion and XXXX XXXX XXXX reporting process to the Federal Trade Commission for the record and will open this with other agencies and legal services as needed. 
I advise XXXX XXXX XXXX be permanently deleted from TransUnion.
Product: Checking or savings account

I have several issues with what happened. First off, I have spent over XXXX hours in total to get an answer with this and still can not get to someone to find out what has happened. 
I went in and closed all my accounts with US Bank. They failed to close the account and allowed more transactions to come out beyond the pending transations. They stated that the closed the account and I left enough money in the account for the pending transations. They failed to close the account as I had requested and allowed new transations to come out of the account. Then I was able to show them that the money that was in question of coming out was in fact not supposed to come out as I had cancelled that policy of what was coming out. This was the second time off having the account closed. Then got a letter in the mail of a discharge off of the account and this should have never happened as I proved that the money was not to be taken in the first place. Then over a month after closing my account, I find out that it had been reopened without my consent. I was now even more upset and went in to have the account closed again. About XXXX weeks to a month later, I receive a check from US Bank. I took it in to the bank and asked them about the check. I was told that it was a good a check and that was what US Bank had owed me, so I took it and deposited it into my new bank only to have a hold put on the check for a week. This check was over XXXX  dollars. Then find out that they put a stop payment on the check. I then called US Bank multiple times to find out why a stop payment was placed on this check after I went in and verified that the check was good to cash. No one on US Banks end could tell me why the check had the stop payment XXXX it and I was passed around and around from person to person and department to department. The final straw was that I was told that I had to call yet another number and that I would have to just wait on hold. This was not acceptable for me and I am tired of wasting my time with the run around that I am getting. I still have no answer on why the check was sent in the first place or why the stop payment was placed on the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute, several times now, because Equifax refuses to fix my credit report. My XXXX XXXX loans are all DISCHARGED AND CLOSED. I want them removed. I disputed it with Equifax. Equifax sent me a letter saying XXXX is claiming that they are not closed and refuses to remove them. One of the two of them is LYING because I have proof they are closed. This is the THIRD complaint on Equifax. SOMEONE NEEDS TO DO THEIR JOB AND FIX IT. I am ONCE AGAIN submitting proof the loans should be reported as CLOSED.