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

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX ( XXXX ) Amount {$1600.00}, XXXX XXXX ( XXXX ) Amount {$3900.00}, XXXX XXXX ( XXXX ) Amount {$1200.00}, XXXX XXXX XXXX XXXX ) Amount {$960.00}, XXXX XXXX XXXX XXXX ( XXXX ) Amount {$3000.00}, XXXX ( XXXX ) Amount {$2100.00} has violated my rights. The above accounts were previously disputed XX/XX/2022 and have not been deleted from my credit report.

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: Credit reporting or other personal consumer reports

My consumer reports is showing two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XXXX XX/XX/2021 ]. On my XXXX I have NO late payments which is CORRECT, but on my Experian and XXXX its showing different days. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Product: Student loan

I graduated from XXXX University in XXXX XX/XX/XXXX with over $ 50k in student loan debts. I started payments soon after and paid XXXX a total of {$8000.00} from savings and tax refunds over the next few months. Soon after learning I was not the only one that felt misguided by XXXX 's misleading students into financial debt lawsuit, I decided to answer the voicemails on student debt help in XX/XX/XXXX. The program I had called assisted former students with " applying for loan forgiveness program '' in where I could qualify for some if not all of my student loan debt. Of course, I only qualified for a portion of that amount and it was explained to me that after 20 years, the loan would be completely forgiven. This was a program Obama had approved to assist former students like me at the time. I was charged {$500.00} for this application, in which seemed okay at the time because they were helping me with " over $ 30k of the loan amount forgiven ''. I was told I was not to worry about making monthly payments until the time came when the loan was forgiven. At that time hearing these great news it did not seem like it was too good to be true because I was very relieved I qualified for such help. After the application date, I paid {$0.00} to this new loan which I then learned it was a simple loan consolidation that did in fact lower my full debt of the future accrued interest I would have owed. The way they spoke to me said nothing of this matter. I work in the XXXX XXXX, I know a loan when I see one. But the way the representatives spoke to me seemed more of a grant and an actual forgiveness program because I was one of the many affected by XXXX 's misleading students. Months after I was receiving several statements and I noticed an increasingly interest on the new loan of now $ XXXX, I decided to contact the program. I was again reassured not to worry, my monthly payments were of {$0.00} and the loan would fade over time after the 320 months had passed. I was relieved to know I was not scammed and it was in fact all true, my loans would be forgiven and taken care of. Later XX/XX/XXXX more notices came about updating my income on their site, I called again only to find out I was in an income-driven program after all, and it depended on my income on how much my monthly payment could be. After updating my income information and going through the income-driven plan, I was notified my monthly payments went from {$0.00} to $ XXXX/month. I was very confused at this point because I was re-affirmed twice that I qualified for the loan forgiveness program where my loan would be paid off. I am now over {$63000.00} in debt because of the accrued interest from the full year and a half no payments were being made. I feel defeated, and embarrassed to let all this debt carry on into even greater amount when I thought I had received helped from the government or whatever program that helped reduce student debt. Everything I was told was to comfort me at the beginning and fall into another loan debt with a different company who will now be gaining from my interest and there is nothing I can do about it now.
Product: Mortgage

My mortgage servicer " The Money Source '' processed a Covid-19 partial claim on my mortgage back in XXXX with my first payment after being due in XXXX As part of that partial claim, they were supposed to include my past due arrears along with any tax or escrow payments that had been made. This is per HUD guidelines for FHA backed mortgages for people who had issues over the past 18 months or so. 

However, they did not include a tax payment of approx $ XXXX that should've been made back in XXXX of this year. Instead they rolled that over and are now charging me an additional $ XXXX in escrow and had originally asked that it be paid back in 12 months. Due to that additional tax payment being included, my mortgage when from approx {$1800.00} per month to {$3600.00} a month. 

My mortgage was in a Covid-19 forbearance when The Money Source purchased it from my old servicer. In XXXX, I requested a Covid-19 partial claim adjustment so I could start to resume making monthly payments. In XXXX, my monthly payment amount was correct but it skyrocketed in XXXX after The Money Source rolled in the additional tax payment. 

When I called them and tried to get this addressed, they then tried to extend the time period to pay the $ XXXX to 24 months. That still increased my mortgage by over {$1000.00} a month because of the other changes to escrow as well. I have tried to get this resolved numerous times with no solution. Several times I've spoken with them, the reason it wasn't included in the partial claim has changed. 

At this point my mortgage is behind because they won't resolve the issue and follow the HUD guidelines that were laid out. I'd like assistance in getting this resolved so that my mortgage is more affordable.
Product: Credit reporting or other personal consumer reports

SafeRent Solutions is providing inaccurate information to potential landlords, which has been preventing me from securing housing. I'm concerned that this is based on errors and inconsistencies in my credit reports from XXXX, XXXX, and XXXX, which I have also filed complaints about in the past. I'm particularly worried about the varying payment statuses and delinquency information reported for the same accounts. I also had my wallet stolen years ago, and I'm concerned that some accounts on my report may be fraudulent. I urge the CFPB to assist in resolving these discrepancies with SafeRent Solutions quickly so I can find suitable housing for my family.
Product: Money transfer, virtual currency, or money service

Through the process of trying to locate an apartment, it has come to my attention that the individual I was interacting with was fraudulently impersonating a tenant of said apartment. Through his impersonation, he informed me that I must send a total of {$2200.00} through XXXX to the building 's property management upon the approval of my rental application. In attachment to the lease agreement he had sent me, he informed me that I must send {$1100.00} as the security deposit ( on XX/XX/21 ) to secure the apartment in my name. He then required an additional {$1100.00} for first month 's rent ( on XX/XX/21 ) as this was what our lease agreement stated. On Saturday evening, XX/XX/21 : upon arriving in the building 's neighborhood for an appointment confirmation, and receiving no responses from this individual, I began to suspect that this was a fraudulent interaction. I called my bank, JP Morgan Chase Bank, and filed a claim with a specialist immediately upon returning home that evening. These transactions ( {$1100.00} sent on XX/XX/21 and {$1100.00} sent on XX/XX/21 ) have now been confirmed by the building 's leasing office to be fraudulent, after speaking with the leasing office directly on XX/XX/21. I now have officially discovered that these transactions were sent to individuals unrelated to the building 's leasing office and property managers. I have been instructed to file a police report for identity theft, phone scams, and theft related to a personal bank account. I have also officially filed a report with the Federal Trade Commission. I have reached out to the claims department at Chase to provide them with my FTC report, as I was originally instructed ( on XX/XX/21 ) that any government report would further help my claim, but on XX/XX/21, Chase has informed me that there would be no recovery of these funds ( regardless of providing any/all government reports of theft and fraud ). I have spoken to both a specialist as well as a supervisor, and both have been extremely unhelpful in assisting my claim further. The information they provided to me also does not align with the information that was provided to me on XX/XX/21, in the claims department, regarding government reports and their relevance to my claim.
Product: Debt collection

PDQ Services , Inc. issued a letter dated XXXX XXXX XXXX  ( copy attached ) regarding Account # XXXX, the claimed amount is highly likely to be a mistake by XXXX located at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, GA, XXXX due to the following reasons : 1- I have successfully conducted a move-out inspection with XXXX XXXX representative for the XXXX location at XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX. Therefore, repair and cleaning items indicated in XXXX invoice attached in your above-referenced letter are incorrect. Please find attached copy of move-out inspection report filled by XXXX management . 2- XXXX have never sent me any amounts due for payments. The invoice attached to your letter was never sent to me before. Please provide any available evidence that this invoice was delivered to me before reporting the claimed amount. Accordingly, I was not able to contact XXXX management within 30 days of receiving their letter to discuss that I dont agree with the payments and/or make satisfactory payment arrangements prior to mistakenly reporting the claimed amount as a debt due for collection. In addition, XXXX payment portal XXXX Assistant shows a XXXXbalance on me. Please find attached a recent screenshot from XXXX Assistant. 3- XXXX invoice attached to your letter indicates some lease termination penalty and fees which are not legitimate per the contract between me and XXXX XXXX Please find attached a copy of the executed lease agreement. 4- Notwithstanding the above evidence that there are no payments due to XXXX XXXX XXXX has prorated the rent value of the month of XX/XX/2020 ( the last month for me to be a resident of XXXX ). Which is another proof that there should not be any contractual penalties on me. Please see attached screenshot from XXXX payment portal indicated that the prorated rent for the month of XX/XX/2020 has been fully paid. 5- I have obtained the attached written correspondence from the current management of XXXX which again clearly shows that I do not owe XXXX any monies. Given the above detailed and accurate facts, I requested PDQ Services Inc. to urgently remove the debt collection and remedy my credit report due to incorrect reporting of the claimed amount.
Product: Credit reporting or other personal consumer reports

In or around XX/XX/XXXX I was convinced to sign up for XXXX. Back in XXXX was when the " XXXX XXXX '' were the new " Craze ''. I can not fully remember the name of the college, however it was a no name one that I signed up for. I went through he whole process of completing the XXXX XXXX loans for school and was approved. The government then sent a check to the school for my Classes/ Degree. I was then sent books for my classes and a class schedule. About a week or 2 after the classes started and I attended about 15 minutes of 1 class. I then realized that this was not for me. I am a visual learner. I need to be there in person, see things right there and be able to ask questions. Again in XXXX, the online learning was NOT what it is today. There was no XXXX or XXXX. There was no way to ask questions in class. I then dropped out of the program and requested that all of the funds be given back to the government, as I did not want to be responsible for loans that I did not use. In addition I sent all of the books back. Then about 7 years later, {$4700.00} worth of debt appears on my credit report. I have disputed this with Trans Union, XXXX and XXXX on MULTIPLE occasions. Also, back in XXXX following XXXX when they were offering the " XXXX XXXX XXXX '' I completed a 47 page application to forgive my loans. Due to the fact that they were NOT MINE. I NEVER attended this school and I should NOT have to pay for something I did not use. There was a point in time, where the loans seemed like they were getting smaller and going away. Yet, shortly thereafter they assessed ALL of the money back to my credit report. This debt has been held over my head for 20 years now. It has hindered my ability to get a vehicle, buy a home, even get a credit card. I have tried to take every step that I could to rid myself of this debt and it seems that no matter what I do, they never make any actual changes. The school that cashed this check should be responsible for giving the government back their money. I would understand IF I took the classes, got a degree, etc. then YES, I would expect to pay this debt. However, as I mentioned I NEVER attended any classes ( except for maybe 10 minutes ). I returned all of the books and told the school to give them back their money. I can not be held responsible for this. Maybe 15 years ago, companies could get away with shady doings of this kind. But it is XXXX and there is no way that you can legally make a person responsible for something they did not do.
Product: Debt collection

I have a complaint against XXXX XXXX XXXX on XX/XX/XXXX they sent a processor to my property with a 3 day notice my tenants never received a 30 day notice but the trespassing and harassment of my tenants are unconstitutional, deceptive practices because this company has never made contact with the equity owner to verify equity with unresolved lender Lakeview Loan Service unlawful filings alleging equity in my home there contract is annulled in XXXX I am the guarantor and I am possessing my property and won't allow trespassing and causing harm to my tenants.I ratify my ownership of the below identified deed which is in full force against all other parties and there fraudulent titled number estoppel. I estoppel any further use of my estate and assets.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$9800.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM A VICTIM OF IDENTITY THEFT AND MY INFORMATION WAS LEAKED MULITPLE DATA BREACHES.WHICH RESULTED IN NUMEROUS ACCOUNTS ON MY CREDIT REPORT. EXPERIAN REFUSED TO ALSO INVESTIGATE THIS, AND SEND PROPER DOCUMENTATION TO ME.
Product: Debt collection

On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX and I received attention in the XXXX. On XXXX XXXX, XXXX I received a hospital bill stating that I had to pay {$450.00}, which I paid in time. On XXXX XXXX, XXXX over a year later, I received a notice from a company called XXXX XXXX XXXX and they informed me that they are a collection agency that took over the account of the company XXXX XXXX XXXX XXXX XXXX XXXX which was a company charging me {$1500.00} for the doctor 's bills. They were charging me because I did not pay. I called XXXX XXXX XXXX XXXX XXXX XXXX and asked them why they sent me to collections if I did not receive a notice from them for over a year. They told me that they did try to communicate, but they never received a response and I asked them why is it that they say that they tried to reach me when I never received any notification but received a letter from XXXX and they did have my correct address and means to reach me. They advised me that they could not do anything because the account was in collection. I called XXXX XXXX XXXX and made payments arrangement. So far I paid XXXX a total of {$500.00}, with my last payment being made on XXXX XXXX, XXXX. On the first week of XXXX XXXX, I received an online notification from XXXX stating that I had an open account place in collection from another company named Revenue Recovery Corporation from the amount of {$1200.00}, which is a surprised since I paid to XXXX {$500.00}, so the amount should be {$1000.00}. Where the extra {$200.00} came from? I called XXXX to asked them why they sold my account to another collection agency. They answered me that the account was closed by the original creditor and I should call the original creditor which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX XXXX and they told me they do n't know why XXXX closed my account when I was making payments. I called the other collection agency Revenue Recovery Corporation and ask them when are they planning to inform me about this account on my credit report. To this day XXXX XXXX, XXXX I did not receive any kind of communication from them. Is this tactics legal? Is this the right way to conduct business? I want to complain because the company XXXX XXXX XXXX XXXX XXXX XXXX sent me to collections without notice after a year. I also want to complaint about this new collection agency Revenue Recovery Corporation as they say I owned {$1200.00} which in reality it should be {$1000.00}. Why are they charging me {$200.00} extra? Why did they report me on my credit report when I was paying to the other collection agency?
Product: Credit reporting or other personal consumer reports

i got a copy of my credit repor not to long a go and i saw multiple accounts listed there and y never applied for never used and never profited from accounts it conseques of indentify theft accounts are listed below XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$42000.00} XXXX XXXX {$84000.00} XXXX XXXX, {$37000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX, {$1700.00}
Product: Vehicle loan or lease

My car was recently totaled. The insurance settlement was not enough to pay the balance owed and GAP insurance refused to pay because the value of the car was considerably less than the balance on the loan. I reached out to Santander to inform them of this issue to see if we could come to a settlement that is fair to both parties or have my payments lowered so that I can afford them, considering that I now have to make payments on a vehicle I now longer have.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is inaccurately reporting an account on my credit report, despite the same account being removed from both XXXX and XXXX due to inaccuracies or unverifiability. XXXX has failed to properly investigate my dispute and continues to report the account on TransUnion, in violation of the Fair Credit Reporting Act ( FCRA ). This inconsistent reporting is damaging to my creditworthiness. The account in question has already been removed by XXXXXXXX XXXX XXXXXXXX, indicating its inaccuracy or lack of verifiability. However, it remains on TransUnion. 
XXXX has claimed the account is being reported correctly but has failed to address the discrepancies across credit bureaus. 
I have requested a reasonable investigation as required by Section 611 ( a ) of the FCRA, but XXXX has failed to resolve the inaccuracies. 
Laws Violated : FCRA Section 607 ( b ) : Credit reporting agencies must report information with maximum possible accuracy.

FCRA Section 623 ( a ) : Furnishers must ensure the accuracy of the data provided to credit bureaus. 
FCRA Section XXXX ( a ) : XXXX failed to conduct a reasonable investigation into my dispute. 
CFPA ( Consumer Financial Protection Act ) : XXXX 's refusal to correct inaccurate data may constitute unfair and deceptive practices. 
attached you will find a copy of my most recent utility bill for proof of address, my id, my social security car, a screenshot of the account removal from XXXX, a copy of my FTC complaint and my formal letter with the complaint
Product: Checking or savings account

I made a zelle transaction to a friend of {$100.00}, whom I sent to the wrong recipient. I used their phone number instead of their email, in doing so I called what I thought was XXXX customer service support phone number XXXX XXXX XXXX XXXX XXXXXXXX in attempts to try and reverse the payment. The person who played the XXXX representative lured me into sending {$490.00} to a name of XXXX XXXX and said to me that this was just a generated number to reverse the first payment I had initially sent to my friend. I only caught onto the scam once I realized the money had been taken out and they had me on hold to confirm funds were received. While back on the line with them I heard them taking screenshots and photos of my screen that I had shared with them which is also a dangerous thing I had done. They had even asked me to go to my XXXX ID settings so they can access more information. I was oblivious to this scam and to sharing my information with them in attempts to try and earn back {$100.00} all to lose {$490.00} on top of that. I filed a dispute with my bank M & T in hopes of receiving the funds back and theyve given me up to 30 days to hear back. I hope the CFPB can help many people like me to prevent scammers from taking hard earned money from people. XXXX should be more of a protected payment option instead being so easy and accessible for scammers.
Product: Debt collection

I have a debt for services received from XXXX XXXX here in XXXX. Debt amount is {$2000.00}. I had been going back and forth with the hospital and my insurance company and why more was not covered. The hospital insured me my account would not be sent to collection while we figured out the problem. I checked my Credit report the other day and I have an outstanding debt with XXXX  XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX for the amount above. It shows the account was opened XXXX XXXX, 2017. 

I have not been contacted by this debt collector phone or mail to tell me this was turned over to them. This has drastically hurt my credit score and am very upset I was not notified by either party, Hospital or debt collection agency. 

I do not have any Documentation from either the Hospital since the dispute with insurance began or from the Collection Agency at all.
Product: Credit card or prepaid card

I made a purchase through Capital One 's Shopping browser plugin. The Cashback was activated per the plugin and i have screenshot of it. It was supposed to be 15 %, about {$9.00}. I have contacted their Exec. Escalations team and finally got three voicemails that never rang on my cellphone asking me to callback a number that wasn't theirs
Product: Checking or savings account

All of a sudden, Capital one restricted my account. I called them on XXXX XXXX and provided all the information required ( SSN, debit card number, Copy of ID ) for verification purposes. The Id verification was successful then suddenly the agent told me that he can not pull out my records and I need to call back again so that another agent can assist me and go through verification again. I tried calling them back again and again and again but no luck. This is a huge hassle for me.
Product: Mortgage

I hereby file a complaint against XXXX XXXX XXXX the current holder of a second priority security interest on our residence ( the Mortgage ), and Madison Management Services , LLC, the company currently servicing the Mortgage, collectively hereinafter referred to as XXXX XXXX XXXX XXXX XXXX XXXX has added an improper charge to our account balance causing it to double. Despite our diligent efforts, it has failed and refused to remedy this situation.