23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been trying to get my loan that is currently consolidated with ACS-Education Services to be transferred over to XXXX which is the student loan forgiveness program through the government. They will not release my information to the company, I have made many attempts. I have even made a complaint to the XXXX Group who is still trying to retrieve information from them with no success. They keep raising my IBR payments when I submit my paperwork or they lose it and say that I have n't sent it in. I have really had a hard time with this company for some years now and it seems that I 'm not the only XXXX. I am in a waiting period to see if the Ombudsman group can find out whats going on. In the meantime my information is not being put in the system correctly when XXXX has tried to retrieve the loan or they keep changing my status. I have been billed for this month on the XXXX but for everything that I have been through I feel that I have to refuse to pay until they release my loan to XXXX. I 'm on here because I do n't want ACS to mess up my credit while going through this.
Product: Credit reporting or other personal consumer reports

I ask Experian to investigate but havent did they job to Verify and insure all data are reporting from this account is accurate.need clarification as to why experian didnt investigate the information on my credit report. Please review the following Account Name : XXXX XXXX XXXX Account NAME. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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Product: Checking or savings account

On XX/XX/XXXX I got a notification from capital one that I have {$4800.00} available for withdrawal in my account following the notification I transfer those funds into my other capital one savings account. Then i received an email this morning that there is some unusual activities on my checking account where I received the initial amount of {$4800.00} in the first place. and when I tried to open and access my checking and saving account accounts I saw both account were restricted by capital one and my checking account went from XXXX to - {$4800.00}. I called the capital one on the number they have provided me XXXX with Ref:XXXX they keep giving me a run around and hanging up on me instead of helping me resolve this issue while at the same time the negative balance capital one is trying to charge interest on that account while I was asking them to simply take the balance from saving account that I withdrew when I first received the notification of available funds and deposit back to checking account but they are not helping me to do so. They are asking for my wife 's information as according to them the amount that came in was under her name. All the information that me and my wife are giving to them they are denying that it is us. My question to them is if once the amount was issued on my account there was processing time for them to verify if the coming fund from the account where is coming from is genuine or not as according to them it came from a closed account. They processed it saying it's available for me to withdraw and now that close account did the reversal on my account in the same amount and they gave the money back to them putting my account into a negative amount of - {$4800.00}. Instead of doing investigation on this fraud they release the funds to the scammer and jeopardize my account into a negative balance and now asking me for the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, 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 still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$930.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$930.00} XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$63.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file a lawsuit ASAP if this is not removed!
Product: Vehicle loan or lease

I currently have a loan with them that I took with my dad. Im the first signature in the paperwork and my dad is the co-signer. My dad took a second loan with them and apparently he hasnt been making any payments on his second loan, the loan were hes by himself. This agency thought it was a good idea to take money from the account were Im on. My dad doesnt live with us anymore and we dont have any contact with him. The agency said that they have the right to move money from two different accounts.
Product: Debt collection

I was sent a Pre-Legal Notice Final Notice via email on XX/XX/XXXX and again on XX/XX/XXXX. 

I have disputed all Midland Credit Management solicitation attempts and have been given legal threats as opposed to proper verification of debt pursuant of Title 15 U.S.C. 1692c ( c ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there is an alleged bankruptcy on my credit report, so I reached out to the bankruptcy court to see where this information came from and they said they didn't release any information to any credit reporting agencies. Which I found odd because on my credit report I see that XXXX, XXXX, and XXXX have a bankruptcy on my report. 

I reached out to the company LexisNexis about their reporting of this alleged bankruptcy and they removed the information from their records. I have attached that letter as well. 

I also attached a letter explaining the violations that were committed by these companies in accordance to 15 usc 1681e ( b ), as they didn't follow the reporting guidelines.
Product: Debt collection

I moved out of an apartment at the end XXXX of 2023. A few months later I recieved a notice from the debt collector I. C. System. They claimed that I owed an electric bill which was charged for the month after I had moved out of the apartment. After noticing a negative credit report due to the claim I sent a debt validation letter to I. C. Systems, in which they ignored the information requested in my letter and just sent me a photocopy of the bill in which I was no longer a resident at said apartment. Also the copy of the original bill skips from page 1 of 3 to 3 of 3.
Product: Vehicle loan or lease

I terminated my lease 6 months early with BMW Financial Services by paying the remaining lease payment obligations, returning the car in excellent conditions with brand new run-flat tires and XXXX lower than allowed miles. 
BMW accepted my payment and a month later sent me an {$850.00} invoice for two tires at {$300.00} each and interior miscellaneous charges not identified during the vehicle return inspection. They claim that the run-flat tires I installed in the vehicle, while new and " run-flats '' are not the OEM tires they use so I would get {$0.00} credit for the excellent condition / new run flats I installed. They also indicated I would not get any credit for the XXXX lower miles. 
These charges are egregious and do not reflect the economic damage or loss BMW would suffer by accepting a car with lower than allowed milage and brand new run flat tires that are not OEM.
Product: Payday loan, title loan, or personal loan

They've called me 3 times today & I'm currently only one day late on my payment. This is harrassment.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX 

CLAIMS AND REPORTS TO XXXX AND XXXX AS WELL AS EQUFAX IS BEING REPORTIN IN COLLECTION? 

HOW WAS THIS SOLD TO A COLLECTION AGENCY WHEN IT WAS NOT LEGALLY VERIFIED? 

IS THAT EVEN LEGAL?? 


PLEASE REMOVE CAUSE ITS HURTING ME FROM GETTING APPROVED FOR A LOAN FOR MY XXXX XXXX XXXX
Product: Credit card or prepaid card

I HAVE AN ILLINOIS STATE REFUND DUE IN THE AMOUNT OF {$540.00}. I HAD MOVED OUT OF STATE AS OF XX/XX/XXXX AND THE CARD WAS ISSUED ON XX/XX/XXXX AND MY XXXX ILL STATE REFUND WAS SENT TO KEY BANK. I HAVE CONTACTED KEY BANK NOW AT LEAST 7 TIMES BY PHONE AND GIVEN THEM THE INFORMATION THAT THE STATE OF ILL COMPROLLER OFFICE STATED I NEEDED TO GIVE THEM I ALSO HAD MY ADDRESS CHANGED BY THE DEPT OF REV ON XX/XX/XXXX AND THE DOR STATED IT CHANGED IN THE SYSTEM. I HAVE CALLED TWICE A WEEK SINCE THAT DATE AND THEY STILL SAY ITS NOT CHANGED AND TODAY AFTER 6 OTHER PHONE CALLS ARE STATING THAT THE DOR HAS TO VERIFY MY BIRTHDATE ( HAS NEVER ASKED THIS BEFORE ) I HAVE CONTACTED THE ILL DOR AT LEAST 5 TIMES AND THEY STATE THE DONT EVEN GET MY BIRTHDATE ON THE RETURNS AND HAVE NO IDEA WHY THEY ARE ASKING FOR THIS. I BELEIVE THAT KEY BANK IS DOING FRAUDULANT THINGS WITH MY SS CARE AND NOW BIRTHDATE AS WELL AS I HAVE GIVEN THEM MY CURRENT ADDRESS, PREVIOUS ADDRESS, FULL NAME, AMOUNT OF THE REFUND AND EXACT DATE OF PROCESS. KEY BANK WILL NOT PROVIDE ME WITH AN ACTUAL ADDRESS OR EVEN A STATE THEY ARE LOCATED IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. Account # 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
Product: Debt collection

XXXX the XXXX agency. Had called me and my wife. Threatening to have us arrested for a dental bill that was not paid. I lost my job during the pandemicXXXX XXXX XXXX charged the account out. XXXX bought XXXX account for Pennines on the dollar. They are saying I owe them money. I explained to XXXX who works there. I never signed a contract with XXXX XXXX I asked XXXX to remove the negative remarks. Off all XXXX credit reports. Which he refused to do. Telling me to pay the bill or else. Me and my family feel threatened by this. Can you please have XXXX to stop the harassing calls. And take the negative remarks off all XXXX credit reports. I would appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay all my bill on time and my credit goes down frequently plea se help with matter i don't have pending bill
Product: Student loan

I have been working with Navient and  XXXX  for the past year on an IDR. I have faxed over documents multiple times including pay stubs and the application for an IDR whi ch Navient continued   to say they never received on at least 3-4 occasions each time offering me a 60 day forebearance. On the last occasion I mailed a ha rd copy to the company and finally received an IDR,  XXXX  received my documents however takes several days to process and IDR. They in turn report that additional information is required because the pay stubs need to be within the past 30 days.After supplying current pay stubs the agency requires the same duration for processing as the pay stubs expiration and I repeat the process offering a forbearance each time. The services appear to operating dishonestly by giving the " run-around '' to individuals making due diligent efforts to receive an IDR plan an affordable monthly payments.
Product: Mortgage

My lender is Ocwen Loan Servicing , LLC . In late XXXX 2015 I mailed a Qualified Written Request. In that QWR I asked XXXX specifc questions. I received a letter dated XXXX XXXX, 2015 from Ocwen ; neither of my questions were answered. On XXXX XXXX, 2015 I mailed another QWR via cerified mail. Then on XXXX XXXX, 2015 I XXXX again mailed another letter to Ocwen stating that they are in violation of RESPA, and warning them that I intended to file a complaint with the CFPB if the matter was n't resolved quickly.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I used the Webster Bank website XXXX XXXX XXXX  to apply for an online savings account. After entering the requested information, the application was approved and a page was displayed asking me to fund my new account. 

This page provided two options to fund the account : 1 ) ACH Transfer 2 ) Scan a QR code When I selected the ACH transfer option, I entered the requested information and tried to complete the transaction, but received a red error code at the top of the page stating that the transaction was not completed. After several attempts to enter the ACH informationnwere not successful, I scanned the QR code provided at XXXX XXXX XXXX  to fund the account. This transaction WAS successful, and the {$210000.00} was sent and cleared by XXXX  XXXX XXXX on XX/XX/2023. 

However, the money is being now held by XXXX and Webster Bank for no legitimate reason- except to defraud me of interest. Every day they keep my stolen deposit they earn about {$31.00} in interest. 

Webster Bank and XXXX are engaging in fraud. The Webster Bank website is purposefully designed to trap consumers into using an unnecessary third party " transfer service '' called XXXX. XXXX  holds the money longer than necessary before transferring it, while earning interest that the consumer should have received on their deposit at the destination bank. 

I have provided proof of the deposit at XXXX  XXXX XXXX, and proof that the money has not been deposited to the destination account. 

I ask for return of the stolen money and interest immediately, and redesign of the " consumer trap '' website, which deceptively, fraudulently, and without any value to the consumer whatsoever, coerces them into using this unnecessary third party service.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I wrote to TransUnion to check into some accounts for accuracy. Not only did I never receive a response back, however, the child support account I was disputing remains on my credit report. Please re investigate my dispute from XX/XX/23 and remove XXXX as child support should no longer be reporting. Please also reinvestigate all other accounts listed on the dispute as I don't believe an investigation was ever done, I understand mistakes happen and things get overlooked especially with such a large company like yours. I appreciate your help with this matter.
Product: Credit reporting or other personal consumer reports

This is my fourth dispute about the same account with XXXX  XXXX XXXX ( account # XXXX ), and frankly, Im beyond frustrated. Experian is still reporting the payment status as Current, was past due 30 days, while XXXX and XXXX correctly show this account as Paid or paying as agreed. How is this even possible when Experians own payment history shows a consistent OK status with no late payments? Look at the attached credit reporttheres no excuse for this. If the payment history is clean, how can you still be reporting a 30-day delinquency? Stop playing games. FIX THIS! This is a complete failure of logic and accuracy. Experian has had more than enough time and proof to fix this, but instead, theyve ignored my prior disputes and continued damaging my credit. This goes beyond a simple mistake. Its NEGLIGENCE, and its causing me real harmmaking it harder to get loans for my business and blocking me from securing housing for my family. Under the Fair Credit Reporting Act ( 15 USC 1681e ( b ) ), credit bureaus are legally required to ensure maximum possible accuracy, but Experian clearly isnt doing its job. Theyre also violating 15 USC 1681c-2 ( a ) by refusing to block inaccurate information even after I provided proof. Enough is enough. Im demanding that Experian correct the payment status to PAID AS AGREED immediately.
Product: Credit card

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding the denial of my application for an American Express credit card. I believe that my rights under various federal statutes, including the Equal Credit Opportunity Act ( ECOA ), Fair Credit Reporting Act ( FCRA ), and Truth in Lending Act ( TILA ), may have been violated.

Specifically, I am invoking the following laws and regulations : 1. Equal Credit Opportunity Act ( ECOA ) - 15 U.S.C. 1691 2. Regulation B - 12 CFR 1002 3. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 ( a ) 4. Truth in Lending Act ( TILA ) - 15 U.S.C. 1602 ( f ) ( g ) ( p )
Product: Checking or savings account

I opened a regions now card account in XX/XX/2024 prior to me opening this prepaid account I had a closed account with a cashier 's check that went missing on XXXX in the amount of XXXX. I have come to the knowledge that the post office is where it was stolen from. The regions bank branch in question is directly across the street. 
Regions Bank XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX weeks after opening the prepaid account I received a check for reimbursement from my car tags from the dealer I purchased my new car at. The check was for XXXX I went into the branch and attempted to cash this check. The teller told me I could not cash it on that account.I explained to her even the regions now app has check deposit availability. She confirmed to tell me I could not cash a check neither with them or thru the third party check cashing they do. I was so baffled. I had to go to a separate bank altogether and cash this check and wait till the weekend was over to receive the money. 
I then asked the women about an illegal account opened in my name there because of this missing check. She looked shocked and went off from the clerk area and came back after a few minutes and told me she didn't know. Was not willing to look into the illegally opened account.
Product: Student loan

I have submitted several disputes through all 3 credit bureaus-XXXX, XXXX  and XXXX. Navient is reporting my student loans ( 8 in total ) as 90 days past due for the XX/XX/2016 payment, but the XX/XX/2016 and XX/XX/2016 payments are both showing current or paid as agreed. The response from the investigation is verified. It is impossible to be current in one month and the next month be 90 days past due and Navient refuses to make the correction. This is impacting a total of 8 loans and has had a negative impact on my credit score.
Product: Mortgage

As I previously explained, due to delay and no responses by Better Mortgage the seller terminated purchase agreement. I lost the earnest money, appraisal fee, and unbelievable times spent with Better Mortgage. After cfpb sent the complain to Better Mortgage, they have not responded, the attached is a loan statement from Better Mortgage/XXXX even the closing was cancelled. They may attempting to harm my credit scores, I also attach a confirmation of cancellation of the loan closing from XXXX XXXX, termination by the seller and myself. 

I already found another house and applied a loan from another lender, I can not pay mortgage loan I never bought, these activities seem fraud and/or scam, should I report to local authorities or FBI? 

I look forward hearing from you soon. 

XXXX XXXX
Product: Mortgage

Nationstar Mortgage referred my loan to foreclosure at 90 days past due. I inquired why as the new regulation prohibits referral XXXX XXXX legal ) before 120 days past due. I had to send the CFPB information into them as the Foreclosure Prevention Specialist XXXX XXXX XXXX XXXX stated he refers all loans 90 days past due to foreclosure, and he was unaware of any CFPB requirement. 
Last Payment of {$1400.00} was received on XX/XX/XXXX due amount of {$6900.00} Is due ImmediatelyNext payment of {$1400.00} due on Sunday, XX/XX/XXXX started with me calling in on XX/XX/XXXX to make a payment and was told that I needed to have XXXX payments. I explained that my tenants had sent in a check as well, and I had another payment set up for XX/XX/XXXX. I also explained I had a retention bonus of {$11000.00} payable to me on XXXX XXXX, 2015. I was told that if the XXXX payments could not be made that I would be referred to Foreclosure. I inquired as to why I was not offered any form of Loss Mitigation, the young lady explained because I had tenants in the home. I explained that I had to relocate due to my job, and that was an exclusionary with FHA XXXX exception ) and not only that proved that I could reinstate in full the loan ( with bonus ). I thought these were scare tactics as I know the loan can not be referred until 120 days past due. When I got the call on XXXX/XXXX/15 and was told my loan was referred to foreclosure, I was surprised. I wrote a complaint letter on XXXX/XXXX/15 and emailed Nationstar. I received a call from the complaint department stating they would respond by XXXX XXXX, 2015. I then received a call from XXXX XXXX stating that he spoke to his compliance department and he was within his right to refer my loan to foreclosure at 90 days. I inquired if/what my account had accrued legal fees and the name of the firm. I was told he would get the figures for legal costs and fees and I was referred to XXXX. Nothing has been addressed about no offer of Loss Mitigation or the fact that I proved that I had a retention bonus of {$11000.00} before my loan would be 120 days past due. In no fashion has Nationstar tried to work with me. This is the XXXX time my loan has ever defaulted XXXX rolled 30 days on XXXX ), it is not like my account is chronic. ( over 30 days XXXX. I explained my reason for default was I am in a middle of a divorce and the tenants had a troubled XXXX and fell behind in their rent to me on the XXXX of XX/XX/XXXX ( XX/XX/XXXX ). Once again, my loan has never been over 30 days late since it was originated in XX/XX/XXXX 
This is the XXXX issue I have ever had, and shocked at how there has been no foreclosure prevention on my loan as suggested by the title of the representative that has been corresponding with me. 
I bring this to your attention as I am concerned for other consumers that have their mortgage with Nationstar. Even with writing a complaint letter and sending a copy of my retention bonus have they pulled the loan from foreclosure.