23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loss of employment for both borrower and co-borrower XX/XX/XXXX. /loss 75 % of income/stopped paying XX/XX/XXXX /currently owe 14 months/ filed chap XXXX bk in XX/XX/XXXX /chap XXXX bk discharged XXXX ; XXXX  was servicing mortgage and sold XXXX to rushmore /our income changed submitted loan modification request to rushmore XXXX XXXX and rushmore stated loan modification denied XX/XX/XXXX /due to non-sufficient income received this denial communication via email/ atty for rushmore requested " motion to lift stay '' in XX/XX/XXXX / today XXXX Judge approved stay to be lifted/ auction date set for XXXX the above information is a timeline of events. We have received 4 denials/ modification/deed in lieu/ short sale/relocation fees all of our requests have been denied by the XXXX. We admit we owe the 14 months in mortgage payments. however, with the bankruptcy discharged we now have sufficient income to make the monthly payments but the bank is stating otherwise. deed in lieu was denied because of liens on the title from Keep your home california and liens from XXXX and XXXX. relocation fees were denied initially but currently we have ongoing negotiations with rushmore. I am an XXXX veteran looking for assistance in communicating with our bank or we will be homeless. The bank wo n't even consider any programs for my military service I have to believe there is something they can do for us. We need assistance with finishing negotiations with the bank and come to an agreement to move out with dignity. we do n't want to go through the eviction process we want to come to an agreement that is beneficial for all of us, but now they wont even talk to us. In our last conversation we discussed short sale and the representative stated that we would have to have an offer in writing in order to consider it. So once again denied. We have been treated unfairly throughout this entire process. We have provided every document in a timely manner that was needed by the bank however, they are not offering us any solution for an amicable resolution. If you need any email correspondence please let me know i can forward it to you.
Product: Student loan

I have student loans being serviced by MOHELA. I have been on the SAVE plan. Once SAVE plan users were placed on general forbearance, interest should not have been accruing. I noticed that MOHELA continued to accrue interest month after month on my total loan amounts even though no interest should be accruing at all. Several e-mails have been sent, and phone calls placed, without response from MOHELA.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XX/XX/year> 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 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Mortgage

In XXXX, my wife and I bought a house together. XXXX, we were separated and the mortgage was refinanced into her name only. Between XXXX and XXXX, I had no mortgage reporting on my credit files as I did not own a house. In XXXX, Ocwen Loan Servicing suddenly began reporting a 120 day late XXXX mortgage and a 120 day late XXXX mortgage. I have made countless calls to Ocwen only to be transferred to a call center with someone trying to collect on these loans. I have sent over XXXX letters to Ocwen requesting validation of these accounts ( knowing that they are not mine ). Ocwen refuses to comply with my requests. I have submitted numerous disputes with XXXX, XXXX and XXXX XXXX with no success.
Product: Credit card

This bank is just terrible. I understand why they have so many fines and why they have so many poor reviews. They give people the runaround with their money instead of just giving them their money and cutting ties with them. Its almost like they just want to do all this hassle because they wan na keep getting fined by certain government agencies. I had fraudulent charges on my card visa determined in my favor because they were unauthorized provisional credits that will finalize and resolved. I have a secured car meaning I put my money down and Im not liable to fraud under the credit act. Its been resolved and it was determined fraudulent posted to my account now theyre telling me that theres a 30 day hold as they review the claims. They trying to pull this XXXX because I want to close my accounts including my business account that does multiple {$10000.00} a month and theyre trying to do whatever they can not give me my money. Ive already filed A complaint with the federal reserve and the XXXX Im not letting go of this until this Company gives me all of my money. I will go to the furthest until I get my money. I dont care what happens. U.S. Bank and tell me if they want to, but it wont be good and they will regret it in the near future
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been contacted many times regarding inaccurate information on my report according to the FCRA AND FDCPA LAWS I have the right to challenge anything that i do not agree with on my report check n go has failed to provide proof of any contracts bearing my signature as well as XXXX has failed and violated the law and my rights to update account status to investigation status 1 ) check n go acct # XXXX -- -remove acct inaccurate reporting 2 ) XXXXXXXX XXXX  acct # XXXX -remove acct inaccurate reporting XXXX ) XXXX XXXX XXXX auto pay never been late please correct 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} Chapter XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/2023 Reference # XXXX Chapter XXXX Bankruptcy Dismissed Date Filed/Reported XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX claims they sent me a final bill for a leased vehicle that was turned in early. I never received such bill. They then reported me to the credit bureaus for not paying the final payment even though i never knew until i applied for a mortgage refinance that i owed anything. When i disputed this by phone, they told me " we left you a voicemail on your cell phone '' ( no date was verified and i had no such voicemail '', but they admitted they should have called earlier and BEFORE reporting me to the bureaus. Further, they said they'd clear the negative marks from my credit report. Needless to say, i can not get my credit score adjusted fast enough to refinance my mortgage, so because of their admitted error, i will be in an unfortunate situation. My auto payments are ALWAYS on auto pay from my bank account so that i don't miss a payment. They inaccurately said i owed a balance for 6 months and missed monthly payments for 6 months AFTER i had turned in the leased vehicle. I am confident they knew they did not properly try to reach me for an unpaid balance and that's why they jumped to say they will remove the marks. Unfortunately, 30-45 days of waiting will not be suitable to help me. i have already spent countless hours on the phone with all 3 credit bureaus as well as XXXX.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ACCOUNT NUM FOR CONTRACT WAS WRIITEN AS OFXX/XX/XXXX THE INTEREST RATE WAS 25 % ON THE 3YR  INSTALLMENT LOAN XXXX FOR 36 MONTHS ALSO HAD GAP INSURANCE THREW THE COMPANY CREDIT ACCEPTANCE COORPARTION PUT A TOTAL {$5000.00} DOWN THE VEHCILE WAS AXX/XX/XXXXXXXX WITH XXXXMILS ON THE VEHCILE WE WAS ALSO FROM CAC TOLD US AT THE TIME IF ANYTHING WAS TO HAPPEN TO VEHCILE WITH IN THE 3YRS OV BEING TOTAL THE COMPANY GAP WOULD GIVE US THE FULL PRICE OV WHATEVER THE DAMGES. THE GAP INS WAS SECONDARY INS. FAR AS THE CURRENT INS IF OUR CAR INS DID NOT COVER .THE XX/XX/XXXX XXXX   PRICED AT XXXX $ THE END OV THE CONTRACT ME AND CONSIGNER WOULD PAY XXXX AFTER EVERYTHING WAS PAID TOTALLY CREDIT ACCEPTANCE COORPRATE OFFICE IS LOCATED IN XXXX MICHIGAN PH # XXXX  FOR THE CUSTOMER SERVICE DEPARTMENT
Product: Credit reporting or other personal consumer reports

In accordance with the law 15 USC 1681i ( 5 ),, inaccurate or incomplete information can not be provided in my credit report, I have found that late payments in the XXXX XXXX XXXX account XXXX are inaccurate in all XXXX bureaus of credit, according to law 15USC 1681e ( b ) there can not be incomplete and inaccurate information in the 3 credit bureaus.
Product: Mortgage

I have attempted to apply for a loan modification with Bayview Loan Servicing LLC who had taken over my mortgage from XXXX XXXX and have submitted all of the paperwork as requested by them on XX/XX/XXXX of this year. When my loan counselor with XXXX XXXX XXXX XXXX XXXX and I called the following week to make sure that they had received the papers, they said that I needed to submit a letter from my Bankruptcy attorney stating that he no longer represented me, before they would even speak with me. I asked them why they had not told me this the week before to save time as the Sheriff 's sale is scheduled for XX/XX/XXXX of this year. They could not answer the question on this. I got the letter from my Bankruptcy attorney and emailed and faxed it along with a letter from me stating the same thing on XX/XX/XXXX of this year. When my loan counselor and I called back on Monday XX/XX/XXXX they said that they could not give us any information on the status of my loan modification application until all of the paperwork had been sent to the Legal Department for review. Consuming more precious time. I have lived in my house for the past 18 years with my daughter who is XXXX and do not want to be put out on the street now. All I am asking for is to have the opportunity to stay in my house with a loan modification from Bayview Loan Servicing LLC. which they have made extremely difficult and too time consuming in the amount of time left before the sheriff 's sale scheduled for XX/XX/XXXX. If not, I at least need time to find a place to live before then. I feel that Bayview Loan Servicing LLC is deliberately stalling the procedure in order to put us out. I am also emailing more documents on this to Consumer Financial Protection Bureau.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX  account XXXX XXXX Acct number XXXX XXXX XXXX Acct number XXXX XXXXXXXX XXXX  Acct number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy, 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian lists a negative item on my credit report stating that I failed to pay money due to the City of XXXX XXXX. I have never lived in or owned anything in XXXX XXXX. I contacted the Treasury Department at XXXX XXXX using the information on the Experian report and the City of XXXX XXXX said that I do not owe them anything and that they had not reported that I did or do. 

I disputed with Experian online and they have not removed the item. I have tried to call their phone # and after numerous menus and hold times I get staff that are not helpful and refuse to connect me with someone who can help. I have told them I am trying to complete a financing transaction and that this error is causing me to pay significantly higher rates if it is not corrected immediately yet they have not acted other than to note the item as disputed. It took me one phone call to the City of XXXX XXXX to verify this is not my debt. 

I am XXXX XXXX XXXX, I sign documents etc as XXXX XXXX. The Experian report list the name XXXX XXXX XXXX XXXX, I am not XXXX XXXX XXXX XXXX nor have I ever done business or used that name. The report also inaccurately reports some prior addresses that I have tried to dispute. 

Experian is profiting by selling inaccurate information while committing slander and costing me ( I am sure others ) money, not only do they make errors but worse they make it incredibly difficult to get the errors they make fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Product: Debt collection

I have disputed this account numerous times with all 3 credit reporting angencies and the creditor. Creditor agrees the account is not valid. I do not owe this nor should this be reporting to my credit. Credit collector will not remove or return my calls. They can not verify the debt is accurate or provide up to date information from creditor verifying debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian report Number # XXXX XX/XX/2023. My XXXX late payment was remove because I mail in proof and uploaded proof it was never late.
Product: Money transfer, virtual currency, or money service

I am filing 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Debt collection

The debt they began calling my place of employment about is a time barred debt. 
They pulled the number off the internet for the company and willingly told the person on the other end they were calling about a XXXX XXXX card I owed money on. 

Luckily that person was my husband however he didnt identify himself as that, he also answered the phone with the company name. Which is listed as my employer. 

The card last payment was in 2011. 
I specifically called back and asked if my debts with them are time barred, Told them we had already told them And wrote them to NOT contact me and I knew my rights. 

They are pulling my credit for time barred debts. 

Debt that was used fraudulently by someone who is deceased by suicide. 
These are not my debts, I fought before to remove, I will not pay debts I didnt incur and them soft inquiring my credit is alarming people like mortgage companies etc. they can see that. 
I know it says that they can not see soft inquires but then how would they know that? 

A time barred debt that can not be collected by legal action has no business in the hands of a creditor using unethical practices. Telling employers employees business, pulling credit. 

This debt is 10 years old now as of last payment. Im done playing games with this company. 
Even after writing letter TO NEVER CONTACT ME AGAIN they pull my credit. 
Lie about being time barred when I ask, they simply would not tell me which I know the information already. Because I worked hard to remove it and then worked years on my credit. 

Your company should be ashamed of itself. I know you cant tell employers or anyone answering the phone information. You certainly did. The credit pull I dont know but time barred debt Credit pulls something should be done immediately. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.DEPTEDXXXX  XXXX {$5400.00} DEPTEDXXXX  XXXX {$3700.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX {$130.00} XXXX  XXXX {$11000.00} XXXX XXXX  XXXX {$250.00} XXXX XXXX XXXX {$830.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed a account from XXXX XXXX, on my experian credit report. Submitted dispute on XX/XX/2019, account was deleted on XX/XX/19. On XX/XX/XXXX I recieved three notifications at the same time. One my dispute was open, second it was almost complete, third was to view my results. Since I havent disputed this account I opened and saw they reinserted the credit acceptance account. I called experian, they said they give a company 30-40 days to respond XXXX XXXX failed to respond so they deleted the account. But credit acceptance responded on day 104, so experian reinserted the account. I asked why I havent received a 5 day notice of reinsertion. He said the dispute results were my notification. Seems Experian workers dont know simple credit laws.
Product: Payday loan, title loan, or personal loan

I applied for credit at Conn 's XXXX located on XXXX XXXX here in XXXX, FL. XX/XX/XXXX. I spoke with an agent and told them what I was looking for. I picked out my items and the agent told me that I had XXXX options and that was to be approved though XXXX bank XXXX Conn XXXX bank. I was immediately denied by XXXX but Conn 's told me I was approved for {$10000.00} in credit through them. But, keep in mind that I did not have a credit profile at this time so how could I be approved for such a high limit without a credit history? I was told that if I paid the XXXX same as cash amount by XX/XX/XXXX then my payout amount would be around {$4500.00} which is the actual price of the items. My payments are {$200.00} a month and after 12 months that is a total of {$2400.00} which means, even if I paid my payments on time every month, I still would not pay the full amount because the payments are not even setup to cover enough in order to pay it off within 12 months. So, after 12 months pass and I still owe a remaining {$2000.00} on the actually items I now find out that I am being charged {$83.00} a DAY IN INTEREST because it was not paid in full within the 12 months. This account has caused me stress and for me to fall behind on my other bills from trying to pay it in full. This is PREDATORY LENDING and I have tried several times to negotiate with this company to resolve this issue and make it fair to me as the consumer. I was not told this nor did I see this in the contractual agreement that I would be being charged DAILY INTEREST. The contract is inadequate and contains false disclosures. I make all my payments on time and have now paid almost XXXX 's the amount for the merchandise. I want this relationship to end on a positive note so, I will be seeking counsel and contacting the local attorney 's XXXX XXXX to have my contract and case further looked into. Thank you
Product: Debt collection

I recognized that my credit score was dropped from a report from Pro Collect for XXXX student housing. I attempted to call the number attached XXXX XXXX XXXX and since I did not have a collection number and I did not want to provide them with my social I could not be helped. I have never attended nor lived in student housing at XXXX this is a school my daughter attended years ago and I have never signed any documentation for housing or anything else. I need to know how can someone elses debt affect my credit. I need this removed from my credit XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Tx XXXX is the address
Product: Student loan

XX/XX/XXXX - I began receiving requests for payment from Nelnet for a consolidated loan. The problem is I don't have a record that I signed a consolidation loan. Currently, I have not paid on the " loan '' and Nelnet has not attacked my personal credit negatively. The original promissory note states the loan created XX/XX/XXXX was between XXXXXXXX XXXX  XXXX TX  and XXXX XXXX XXXX XXXX XXXX. 

Nelnet indicates we have an agreement for me to pay a consolidation loan related to US Dept. Education. Nelnet has yet to provide the consolidation loan I authorized for repayment. Additionally, any federal student loans have been frozen by the federal government. 
The loan I originated qualified under federal definition for Income-Driven Repayment Loan Forgiveness. See below : XXXX. The original loan is XXXX years old. 
XXXX. The original loan was inappropriately upcharged by a 100+ % origination fee to the student loan need.