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

I have filed a dispute with XXXX and with TransUnion. I am victim of a horrible claim specialist with XXXX XXXX. She improperly set up my car rental ( all covered by my insurance ) and assured me that my credit card was only on file as a just in case and it was all paid by XXXX. My card was charged {$950.00}, which I quickly had removed from my account with XXXX XXXX and I made XXXX fix their error by sending me the money. The {$950.00} put my card over the limit, but my limit had already increased to {$6000.00}, it just hadnt been reported yet. My credit card being maxed out was reported and dropped my score XXXX points. This was entirely out of my control and I rectified the situation immediately. It was simply poor timing and bad luck for me, but now my credit is hindering my goals of getting a mortgage. I did NOT max out my card, nor did I allow the charge on my card. It has been taken up with XXXX and XXXX XXXX and fixed, but XXXX did not restore my points after my dispute. TransUnion has an old wifi account that was my ex boyfriends account but under my name. He had falsely told me the account was closed when it wasnt, so the burden fell on me. It is only about {$250.00}, so I have tried many times to pay it off. However, every time I contact XXXX ( which at the time was XXXX XXXX ), they can not find any information linked to the account or ANY of my information. The debt collection agency can not access any of the account information either and therefore can not take any payment on an account that DOES NOT EXIST. It is frustrating that even when Ive tried to pay it off, I physically am unable to due to the carelessness of a company during their changing processes. It is not my fault that nor I or anyone else can access the account to pay it off. I believe that due to the unique nature of this particular debt, it should be removed from my credit report! I have disputed it countless times over a long period of time to no avail. I am sick and tired of my credit taking hits over things that are entirely out of my control!! I am responsible, I am financially stable, and I am trying to do bigger and better things with my life which my credit score WILL affect! I want both of these issues resolved, and I seem to be having no luck in doing so, and all the while not even getting a solid reason for the decisions made in my cases. I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX 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 items that are reporting on my Credit Reports : XXXX : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX XXXX Balance Owed : {$4600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX PORT XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed XXXX {$130.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and Bureaus letter last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Due to job loss, we fell behind on our credit card payment to  XXXX   XXXX   XXXX   XXXX    (  "  XXXX  '' ), which then  caused Weltman, Weinberg & Reis " WWR '' ), a c ollections law firm to begin to call us and send us letters. We have attached a few of these letters, which implied were coming from an attorney, but really were not. We agreed finally to try to make some payments, and were told by WWR that we would have nothing bad on our credit rep  ort. WWR lied to us, as they put a judgement on our credit reports.
We read that the CFPB last week filed a lawsuit against WWR for fraud and deception ; which is one of the reasons that we are filing this complaint.
After we found out abou  t the judgement, we then discovered that   XXXX   XXXX   XXXX   was not licensed nor registered to do business in  XXXX , and thus did not have any access to the Indiana courts to file a judgement. Despite the lack of legal standing, WWR did it anyway. This seems to be an unfair, abusive, and deceptive business practice by WWR.     When we  told WWR a nd  XXXX  that they had done some bad things, and were violating numerous consumer protection laws, they merely sold our account to   XXXX   XXXX    XXXX   XXXX   ( "   XXXX    XXXX   ''  ).   XXXX    XXXX   has done nothing to correct this problem, as the employees of  XXXX  are still servicing the account, and rely on WWR for legal advise. So they continue to cover this up, and have done so for many years now.     Now that the CFPB has taken action ag ainst WWR, this would be a good time for the CFPB to investigate this matter, and take appropriate action against WWR, Targ et, and   XXXX   XXXX  .
Product: Student loan

To Whom It May Concern : I have federal student loans through FedLoan. I am currently a federal employee that is participating in the Public Service Loan Forgiveness program. I have been submitting my yearly certification forms and my last certification form has employment approved through XX/XX/XXXX. 

In XXXX, I received my certification report. First, the form lists more PSLF Eligible Payments than Qualifying Payments ( 89 to 84 for some loans and 79 to 74 for other loans ). However, the letter does not explain why certain eligible payments are not counted as qualifying payments.

Additionally, assuming that the Qualifying Payments are actually correct, the estimated eligibility dates for these sets of loans are as follows : XX/XX/XXXX for loans with 36 payments remaining and XX/XX/XXXX for loans with 46 payments remaining. However, given that this last certification was approved on XX/XX/XXXX, these dates are incorrect. For the loans with 36 payments remaining, the estimated date should be XX/XX/XXXX ; for the remaining loans it should be XX/XX/XXXX. These were the dates that appeared on previous forms ; however, since actions were taken by the government to pause student loans during COVID-19, these dates have changed and are now inaccurate. I have spoken with FedLoan about this and have received assurance that it would be corrected ; however, this is the second certification form I have submitted where this has not been fixed.

I am requesting that FedLoan review my file and update my payment information with accurate information. It appears that there are various inaccuracies even though my employment has not changed during my entire time in the PSLF program.

Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate costumer 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 there platform, leaving my account vulnerable and unprotected. Furthermore there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transaction act ( EFTA ) and regulation E. These actions have cause insignificant inconvenience and function loss, and I see appropriate redress for these violations.
Product: Checking or savings account

I was unfamiliar with online banking and checking my account. I was shown by my daughter how to check it just recently after my money was practically all gone or strange charges from places u have never had an account or done business with. I went in to the bank and was told I had to wait for an appointment to go over the charges. Or to just call in and they gave me a print out so I could call and tell them what charges were fraudulent. I had started using my XXXXXXXX XXXX and XXXX  so I didnt have to use the physical card. I was worried about XXXX  numbers being copied while at the drive thru and places like that. So I had my daughter show me how to use the digital wallet. I noticed there was a lot of XXXX charges and I dont have an XXXX and never have. I also dont have an XXXX account and havent had one for years and that account was closed in good standing : so ther was no reason they should charge me for anything. The first women was very rude when I reported the charges asking if the charges just magically appeared out of thin air? Well yes they were fraudulent charges I dont know where they came from. I also had many charges to XXXX XXXX and XXXX. Also businesses i have never used.any of those companies. I also made a police report over these charges. I have gone 3 months without enough money to even pay my insurance or business license or condo fees. I was told the money would be put back in my account and dont worry he said may e they wouldnt be able to recover anything more than 90! days old but the other would be put back no problem.i honestly dont know who used my card. I noticed it missing from my wallet and reported it as soon as I died. I had been using my digital wallet or had gone to the bank to withdraw my money so I dont know how long my card was gone for. I told them all this and waited patiently for a credit they said they would put in and nothing and not even an explanation. I dont understand how they promise to protect my account when they dont. If they investigated really they would know I didnt make the charges. Im in my XXXX and I feel taken advantage of and robbed from.
Product: Bank account or service

On XXXX XXXX, 2015, at XXXX I attempted to deposit {$550.00} cash into the ATM located outside of the Chase Bank in XXXX, NY. The money was drawn into the ATM in exchange for a receipt stating " The ATM has experienced a technical problem. To confirm that your deposit was completed properly, contact a Chase Representative... '' I immediately thereafter went into the bank and spoke with XXXX XXXX. I was provided a Claim Number and told to follow up in three weeks. On XXXX XXXX, 2015, I returned to the bank and spoke with " XXXX '' and was told that my claim had been denied. XXXX left to get the Bank Manager ( XXXX XXXX XXXX and I was once again asked to followup ; however XXXX stated it was " doubtful '' that I would ever receive my money because so much time had passed. My attorney contacted XXXX XXXX and XXXX XXXX indicated that I needed to submit a complaint through the Dispute Department at Chase - something I was never told on two separate occasions of trying to resolve this in person. I have attempted a resolution by way of my personal attorney but neither of us has received any response.
Product: Checking or savings account

I have been a victim of check washing scam, with Chase bank, totaling to over XXXX in checks which were taken from my account and it has been over 3 months, Chase still hasnt refunded my money to me yet.
Product: Debt collection

I told them that this debt isnt mine and to provide proof. They did not do it.
Product: Debt collection

Claimant allegedly became obligated for a loan on XX/XX/XXXX, however, the alleged NOTE was not signed until XX/XX/XXXX. 
An alleged, loan servicer was assigned on or about XX/XX/XXXX, to collect payments on the alleged loan, and claimants made " good faith '' payments under the assumption that a valid debt existed. 
Claimant sent NOTICE to the President of the company that was the alleged lender on the NOTE on XX/XX/XXXX, by certified mail, requesting clarification of the NOTE terms, no valid clarification was received. See Exhibit A Claimant sent a second NOTICE to the President of the alleged loan company, by certified mail, on XX/XX/XXXX, seeking clarification of the alleged debt, no valid clarification was received. See exhibit B Claimant sent Notice to the Title Company that performed the Closing on the alleged Loan on XX/XX/XXXX, requesting specific information about the alleged loan for verification purposes. No response was provided. See Exhibit C Claimant sent a second Notice by certified mail, to the Title Company for a response on XX/XX/XXXX, no response was provided. See Exhibit D Claimant sent the alleged Servicer a Qualified Written Request ( QWR ) by certified mail on XX/XX/XXXX, the debt was not validated nor did the Servicer provide the name and address of the NOTE HOLDER. See Exhibit E Claimant sent the current alleged Service a QWR on XX/XX/XXXX, by certified mail the alleged debt was not validated nor did the Servicer provide the name and address of the current NOTE HOLDER. See Exhibit F Claimant sent a Notice of Error and Demand for Proof of Claim by certified mail on XX/XX/XXXX, to the current alleged Service. No valid response provided. 
The current servicer who is a third party " debt collector '' failed to send notice of claimants right to dispute the debt in accordance with 15 U.S.C 1692 .The current alleged servicer is sending threatening letters of acceleration of the debt and foreclosure for unpaid alleged loan payments.
Product: Credit card or prepaid card

On XX/XX/, I purchased a XXXX XXXX XXXX through Amazon on an 18-month equal pay agreement, using the Chase Amazon card associated with my Amazon account . I have been making weekly payments on it, and it should have been paid off by now. It is not. 
Since they do not send me paper bills, and I do not find my bank 's website at all easy to navigate, it took me until last week to find out that the reason it is not paid off is because they have charged me monthly interest in violation of their terms and conditions of the purchase. 
I tried to contact Amazon, and they disclaim all responsibility, saying it was up to the seller, XXXX XXXX, to initiate these terms and conditions. XXXX XXXX does not reply to any attempts to contact them. Chase Bank and Amazon both say I was never enrolled in such a program. Interestingly, I have their Terms and Conditions which say I was. 
Chase Bank provided me with the phone number for Amazon 's customer service, which Amazon refused to give me. They say I would have had to have fixed this in XXXX XXXX, before I even had an opportunity to know what was happening, and since I didn't, there is no agreement. 
I complained to the XXXX more than a week ago, and they have not responded. 
Meanwhile, Chase Bank and Amazon have stolen a couple of hundred dollars from me by refusing to comply with the terms and conditions of their agreement.
Product: Debt collection

Synchrony Bank continues to try to have a debt collection company sue me for a debt when they have violated FCRA laws by reporting inaccurate information to credit reporting agencies. I have advised the company that there representatives have misrepresented statements and lied to me to deceive me into entering into a payment arraignment via phone. The representative told me as long as I paid a specific amount each month my account would remain in good standing. When I learned that this was not the case was when the account began to report delinquent. The account should never have been reported delinquent in accordance to what the representative promised on a recorded line to me. 

I have requested the call records as well as requested a supervisor review the calls and provide me with their findings and confirmation of the conversation that has taken place. They have never honored that. They have denied me my rights to discovery and have also continued to damage my credit while they refuse to investigate the information to make the proper updates to my credit report. This has been far more damaging than what they are trying to allege I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from these companies stating they will not remove this unverifiable account from my consumer report. I have been requesting validation of this account and I have not received anything in regards to it. According to 15 USC 1681e ( b ) Accuracy of report, no one assured maximum possible accuracy of this alleged information. Also, 15 USC 1681b permissible purpose of a consumer report, I never gave anyone written instructions to report anything on my behalf.
Product: Credit card or prepaid card

I know Comenity Bank updated their system a few months ago and it caused many errors on their website. They closed my J.Crew credit card three times : XXXX, XXXX, and XXXX. I am concerned because it will affect my credit score. It got to STOP.
Product: Mortgage

I took mortgage loan and Escrow with Lakeview Loan care company in XXXX. The escrow team over paid property tax close to {$9700.00} to XXXX XXXX in XX/XX/XXXX. I raised multiple complaints to Lakeview customer care to get this refund but till now I am not getting proper response. 

Lakeview customer care tells me that XXXX XXXX is not releasing the funds. When i asked XXXX XXXX, i get response that Lakeview Escrow team should request for refund and they have been contacted to raise refund request multiple times but Escrow team failed to raise that request. I don't know who is telling the truth but my money is not refunded till now even after multiple calls and complaints to Lakeview. 

Note : XXXX XXXX told me that I can not raise this request as i am not the one who paid the tax. 

Complaint numbers raised in Lakeview customer portal # XXXX # XXXX # XXXX
Product: Debt collection

I KEEP GETTING CALLS FROM KINGS CREDIT SERVICE ABOUT AN ACCOUNT THEY CLAIM IS MINE. I'M TIRED OF THEM HARRASING ME EVERYDAY, SEVERAL TIMES FOR AN ACCOUNT THAT IS NOT MINE.
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.

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have two inquiries from XXXX And one from SYNCB/JC PENNEY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to Equifax and XXXX two of the three credit reporting agencies to let them know that these accounts of bankruptcy in the public reports se action of my credit report were not mine and they stated that they completed an investigation and stated these accounts were verified as mine and I asked for proof of these investigations and how these investigations were conducted and verified in which they failed to do without going to a courthouse that these papers were claimed to be filed in. so I would like these accounts removed from my credit reports from these agencies at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent the FTC violation to Experian b/c of the XXXX breach they still have not done anything to remove the XXXX loan that on my credit file
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX, XXXX XXXX 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 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) 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 XXXX days before the payment due date. 


( XXXX XXXX XXXX, XXXX XXXX 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 XXXX 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