23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XX/XX/. Both XXXX and Transunion report no late payments. Transunion reports 5 late payments. Transunion has not even investigated. This needs to be updated to PAYS AS AGREED NEVER LATE. 

XXXX XXXX XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XX/XX/. They have no even entered a notice of dispute. They have refused to investigate. The payment has never been late for this account. Please update account PAYS AS AGREED NEVER LATE. 

XXXX XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XX/XX/. They have no investigated. They have not entered a notice of dispute. They have not validated account. This needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2018 I was in XXXX XXXX went to a time share presentation. Gave my information with the understanding it was to be used to pull a credit report and tell me interest rates I qualify for ... gave them my debit card to sign up and try a couple night stay. Decided against a member ship was told my debit card would be reimbursed because it was within the termination period ... never received the reimbursement on my debit card, and found that they used my credit info to open a credit card weeks later when I received a credit card in the mail I called and explained I didn't want a credit card when I gave that information to XXXX. They tried to tell me I could utilize the card anywhere but I explained I had no need/want for additional credit cards. As I had about 8/9k in my checking a XXXX credit card and a XXXX line of credit at my bank and credit card for my major purchases at XXXX 's that I only use for interest free financing. It's been over a year and I have not been able to do anything about this my credit score was XXXX and this has dropped my score to the 690 's and this account has caused delays and difficulties in financings other projects ... I'm not sure what I can do ... but I don't think it is right that a company can get away with this and just expect you to pay for charges that should never been on the card in the first place, or even opened for that matter. It's only $ 790ish (  {$500.00} originally ) but on the principle of the matter I'm not going to pay them as I'm sure they do this because most of the time it works. I paid off my car that cost XXXX in about a year, as well as just paid off my other car that was XXXX I purchased in 2018, pay my entire balance on my XXXX cc every month if I use it. As well as pay all my other accounts off before the free interest expires ... if I had knowingly opened this account and made changes to it I would have paid it ... but in this case I'm lost as what further to do ...
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1666b - Timing of 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. 

15US Code 6802B I have contacted the creditor asking Them to remove this late payment They violated my consumer law because they never gave me the option to opt out from reporting my information to a 3rd party I never received a letter and would request late payment be removed XXXX XXXX Last payment XXXX Account number XXXX
Product: Mortgage

I locked in my mortgage rate for a refinancing with Provident Funding. The lock expires today X/XX/2017. Due to Hurricane XXXX, the process was delayed causing the rate lock to expire before closing ( earliest is on the XX/XX/XXXX ). I asked for a rate lock extension but Provident Funding has refused.
Product: Debt collection

Hey i Went over My consumer Report And Called them And let them Know it Was Unathorized An Need be Removed. & Never gave them Consent to Report them.

18 U.S.C 1028A 15 U.S CODE 1601 ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MN XXXX. XXXX ACCOUNT : XXXX Charge/ Off 15 U.S CODE 1601. 
XXXX XXXX ACCOUNT : XXXX Closed/ Charged off 15 U. S code 1601. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX
Product: Debt collection

I already disputed this charge with capital one through CFPB and this was resolved and dropped and not on my credit..I had transferred actual charges to another card and these charges were from Identity theft and fraudulent. You should have a record of this situation years ago. Now I am receiving collection notices from XXXX and have replied through US mail and phone calls. I have spoken to them on the phone and written letters telling them all of these things and to stop calling me and they continue to do so.
Product: Checking or savings account

On XX/XX/2022 my mobile phone was stolen. The thief was able to access my bank and credit accounts at JP Morgan Chase Bank and made fraudulent transactions. The credit card issues have already been resolved. However, the fraudulent transactions the thief made involving my bank accounts at JP Morgan Chase Bank have yet to be resolved. 

Using the stolen telephone, the thief or thieves were able to access my savings account and checking account. They transferred my money in saving to checking and then made a {$2000.00} XXXX transaction, made a {$3800.00} purchase at an XXXX XXXX and bougth XXXX currency through XXXX in the amount of {$2200.00}. I filed a police report with XXXX XXXX XXXX Police Department and filed a claim with the banking institution advising them that these transactions were not authorized and were fraud. 

The bank has failed to reimburse me for the transactions and instead has essentially accused me of making a fraudulent claim and filing a false police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

AA Recovery Solutions has repeatedly called my number looking for XXXX XXXX. I told him this is not his number. I said he does not live with me and is not his phone number. I would like him to stop calling. He said XXXX gave me your number to contact him. Which is a lie. I am on the do not contact list. I told him this debt is not mine so stop calling. He kept calling one call after another. He is repeatedly calling and telling me i know who he is and he wants to talk to him. This is not my debt and I do mot have to explain anything to a man or company i know nothing about. I also do mot have to give him any information on my living situation or marital status at this moment. I want the harassing to stop.They are claiming its for a business account. XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling 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 resolutions 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: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize SANTANDER CONSUMER USA to review my credit report. I have a extend fraud alert on my credit reports. SANTANDER CONSUMER USA did not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and XXXX reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an issue with my XXXX reporting a lateness which was determined to be fraudulent. Transunion has refused to update and remove the reported lateness from my credit report
Product: Debt collection

On  XXXX / XXXX /   17  i made contact with the original creditor.  XXXX   XXXX   XXXX . They could not find a bill for me for {$140.00}. Or any amount.  XXXX   XXXX   XXXX   XXXX . I would like to have this removed from my credit. The company attempting to collect the debt is  Debt Recovery Solu tions.
Product: Money transfer, virtual currency, or money service

Hi. I have chime bank and I deposited my XXXXXXXX XXXX  on the XXXX XXXX. My funds have not been posted to my account. This was on the XXXX of XXXX. They escalated my issues to the back office and said I would receive communication within XXXX hours. I have not. I have to reach out to them to inquire where my money is. I have provided a receipt for proof of deposit of funds and my money is not being held due to verification because I have provided that information. They have not provided me a legal explanation as to why they are holding my Money. On the phone they told me that they do not have a grievance department that I can speak too. Ive spoken to XXXX supervisors and all they tell me is that they have escalated it to the back office for review. I keep getting turned around in circles. This is illegal!
Product: Debt collection

XXXX at around XXXX i was contacted by Financial Account Services Team ( XXXX  ). I had paid 2 accounts off XXXX XXXX and the rep was telling me the accounts were still open and that i had never made a payment. I supplied her with the Receipt number from where i paid it. She still insisted i owed the money. I asked for a supervisor. The next person on the phone proceeded to say things like " you must be one of those dads who do n't support his kids '' she ended up hanging up on me with other words said back and forth. I called back and talked to rep XXXX at ext XXXX. She quietly told me she over heard the other rep and she was new and she spoke out of line and gave me the owner XXXX XXXXXXXX XXXX name. She also advised me that the money i paid on XXXX was applied to a different debt account that i did n't even know i had and that it could n't be reversed that only XXXX could do that. I called XXXX today XXXX. After arguing with him over the debt he is threatening legal action against me on the debt that the payments were applied to. He did reverse the payment to the correct accounts but is now threatening legal action on account i have never received notice of.
Product: Credit reporting or other personal consumer reports

I am now escalating this concern because the same inaccurate and incorrect accounts were still being furnished on my credit report. 

XXXX XXXX XXXX - XXXX { Date Opened : XX/XX/XXXX } XXXX XXXXXXXX - XXXX { Date Opened : XXXX XXXX } XXXX XXXX XXXX  - XXXX { Date Opened : XX/XX/XXXX } I am really disappointed because I never even received a response from these credit reporting agencies. These accounts kept appearing on my credit report. It is so unfair that they are continuously reporting such inaccurate items on my file. 

One of their reported inaccuracy was this Account : XXXX XXXX XXXX - XXXX which appears to be current on TransUnions side, yet Experian and XXXX report shows a one-time 30 days late. Im wondering how they got such information where in fact they were getting that details from one source. How come XXXX has reported the account current and other credit bureaus has incoherent information?
Product: Mortgage

My loan with Land Home Financial Services. I went in forbearance last year but I made my payments until I was told that I could stop and came off forbearance on my own by starting to make payments before forebearance was removed. 
Meanwhile, I had passed my XXXX months PMI required minimum period and my house value went up a lot. Even with the silent second, I am at 65 % XXXX. 
I had requested several times to have my PMI removed. The customer service shows that I had late payment, which I didn't, and therefore my PMI removal request was denied. Eventhough the PMI was supposed to be removed based on XXXX alone. 
The loss mitigation department confirmed that I was never late. They sent it couple times to escalation and nothing happened. We received an email from XXXX XXXX on XX/XX/2021. I emailed him twice for update and no reply. His voicemail is always full. 
I am being charged unfairly $ XXXX and it doesn't seem like anyone at LHFS cares or willing to do anything. I have sent them a copy of my professional appraisal that I paid {$500.00} for and they didn't even bother look at it or recognize that they receive it.
Product: Student loan

I filed a request for change of monthly payment per included pay stub in XXXX of XXXX and have not received acknowledgement or completion of processing to date. I have requested updates multiple times without acknowledgement. 

I filed payment plan change request due to the legal challenge on the XXXX payment plan to change my repayment plan from XXXX to XXXX. For background, I did not request change or movement to the XXXX plan nor did I at any point request to be placed in forbearance and had previously been enrolled in XXXX. 

This was filed XXXX XX/XX/XXXX. I contacted Mohela in XXXX via telephone twice to request a status update and was told no information could be provided and no borrowers were allowed to change payment plans. When I challenged this as incorrect information ( XXXX had remained open for processing at this time ), I was hung up on. 

I submitted an additional electronic request for information in XX/XX/XXXX with XXXX subsequent phone calls on various dates and times, utilizing both the traditional hold system ( 3 times ) as well as the 'request call back ' system ( 5 times ). To date, all XXXX requests for a call back were never completed ( including multiple calls in the morning with estimated waits of XXXX ' XXXX hours ) and the only traditional hold que that was answered was promptly disconnected. 

Mohela has failed its duties to its consumers and the American government in servicing of federal student loans.
Product: Money transfer, virtual currency, or money service

Sunday, XX/XX/2019. A man from XXXX contacted me that he could help me financially. He claimed that he wasn't a scam. The guy willingly sent me his drivers license to show he was real .But in order for him to help me I had to send XXXX $ via paypal to verify I was real and he would then reimburse my money. Once I sent the man the money through via XXXX he blocked and deactivated his account on twitter. The man was completely a fraud. I reached out to XXXX company about the issue and XXXX denied my dispute and said it was not protected under so called " buy protection ''. I've even tried to contact the man via email through paypal but he has not responded. I just want my money reimbursed.
Product: Mortgage

I have a few loans that were originated by XXXX, who subsequently sold the servicing rights to this company called Shellpoint. 

I have XXXX loans through XXXX XXXX  ( XXXX and XXXX respectively ). 

I have been trying to access details for my XXXX loans and I can only see XXXX. I have called in numerous times to fix this, but I have been prevented from seeing that last loan. The company claimed that the account has been recorded inaccurately, and that they can not fix it. I am very concerned that the company is stonewalling me and preventing me from seeing my account. 

This is not right. Please provide guidance and help me figure out how to right this wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing 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 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) 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. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXXXXXX
Product: Debt collection

I believe car-share company XXXX and debt collection agency Transworld Systems violated the Fair Debt Collection Practices Act : a ) by making false statements on XXXX notices mailed to my address ; b ) because of Transworld 's inability to retrieve the debt account from its internal computer system to assist me ; c ) because of Transworld 's admission that it has no jurisdiction/authority over the debt, and d ) because of XXXX 's attempt to deceive ( mislead ) me into believing that Transworld was contacting me to collect a debt that would be applied to my credit report. 

Following are my top concerns : XXXX of the XXXX notices received reads : " This is sent to you by a collection agency. " o This is false. If it were true, the Transworld representative would have been able to help me. ( Image included ). 
The XXXX letters does not contain what is called a " XXXX XXXX XXXX. " o The field is blank. According to the Transworld representative, this was XXXX of the primary indicators that illustrate Transworld has no authority over the debt. ( Image included ). 
XXXX of the XXXX letters received read : " This account has been placed with our agency for collection. " o This is false. Transworld could not access the debt in its internal computer system ( no record existed ) and could not help me ... and subsequently sent me back to XXXX ( who refused to undertake my dispute ). ( Image included ). 
XXXX of the XXXX letters received read : " Please be advised that we have been authorized to pursue collection ... '' o This is false. Again, Transworld indicated it had no jurisdiction over the debt and could not help me. ( Image included ). 

I have included a full ( comprehensive ) statement to provide more information considering the character limit on this text box. 

*Please note that I believe the improper communication tactic is grounded in making false statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX XXXX are ignoring my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 'XXXX XXXX XXXX XXXX XXXX XXXX for obtaining pre-qualification rates from various lenders for personal loans states the inquiry is soft and will not affect your credit report ; however, XXXX, will run an unauthorized hard inquiry based on the information provided by XXXX. I have noticed that no inquiries, hard or soft, by XXXX in the last two years have appeared on my XXXX credit report but DO appear on my XXXX credit report. 

XXXX should be investigated due to their unlawful operating procedures regarding unauthorized credit report attainment.