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

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of auto loan XXXX XXXX XXXX # XXXX, student loan DEPT OF EDUC XXXX # XXXX, DEPT OF EDUC XXXX # XXXX, CAPITAL XXXX # XXXX. XXXX # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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: Mortgage

This compliant is against Beneficial Finance aka Household finance. 
This loan started in 1994, the loan amount was {$15000.00}. When the final payment was done, this loan cost over {$57000.00}. My C P A ' s report stated because of the companies over charges and late penalties this loan should been paid in full by at lease 10 years ago. When one mailed in a payment 90 % of the time they would not post it until they could charge a late fee, which they did over and over again. If you paid in person and received a receipt, no late charges. Also they breached there on contract by charging the improper interest rate. These are blatant, deliberate, and intentional actions breaching there fiduciary obligations as well as per R C W 31.04. XXXX. State. 
What is hard to understand why there is no government agency that has any regulatory responsibility to handle these egregious misuse, ( stealing ) of there bad faith. One can not even get a little, if any help from the State, or the Feds. The only help is to sue these financial companies. There are XXXX entities here with responsibilities, Poor enforcement of the consumer protection laws by the State of XXXX, and no help from the feds, there are laws on the books, I do not understand why the Government will not enforce them? The XXXX the loan company, it is very obvious these companies will not follow the government regulations with out direct enforcement. This Company Beneficial, Household Finance of XXXX XXXX are so unprofessional, they will not even return phone calls, return letters, ( they wont give you there E/Mail ) they will not even talk or give the balance of the loan even to my Title company. 
Sue them in small claims court be cause your attorney will not take the action because there is to much work for the amount of money, when you get to small claims, the attorney representing the defendant just has judge move the case to civil or superior court. If you are not and attorney you can not represent your self in those courts.So you are screwed. I seriously find a flaw in the government. When if u steal a candy bar one can get time to serve, but a company can steal thousands from the poor consumer and not be held responsible. We need some real help.
Product: Credit reporting, credit repair services, or other personal consumer reports

MoneyLion has been reporting my account as a charge off ONLY AFTER i started another builder account with them. Now I am paying over XXXX $ in FEE 's and they just NOW said my account was charged off TWICE in XXXX & XXXX ... they lag SERIOUS TIME and waited till I am in debt with them for another credit builder account to XXXX me over.
Product: Debt collection

Sent out a 30 day debt verification dispute letter. No response. Flagged my credit account.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report over last few months and the following items reporting do not belong to me : XXXX - showing on ( XXXX and Transunion ) with bal of {$1000.00} XXXX XXXXXXXX - showing on ( XXXX, XXXX, XXXX ) with a bal of {$2400.00} XXXX XXXX XXXX - showing on ( XXXX, XXXX, and XXXX ) with a bal of {$5900.00} XXXX XXXX XXXX  - showing on ( XXXX, XXXX, and XXXX ) with a bal of {$170.00} XXXX - ( XXXX ) with a bal of {$0.00} ; opened XXXX XXXX - ( XXXX  XXXX, and XXXX ) with a bal of {$0.00} ; opened XXXX XXXX XXXX  - ( XXXX XXXXnd XXXX ) with a bal of {$3900.00} XXXX  XXXX - ( XXXX, XXXX, and XXXX ) with a bal of {$5700.00} Please assist me in getting these accounts removed these are not my accounts. I have sent police reports and ID Theft reports to these companies. Please help.
Product: Debt collection

This complaint about SIR XXXX XXXX, XXXX. address below XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX In the month of XX/XX/XXXX I went to pay rent to the XXXX property manager, I was also behind on my payments due to my unemployment in the month of XXXX. On XX/XX/XXXX I went with my daughter to pay for both months in two separate checks with my daughter, but the property manager refused to except my checks, she told us both to go to court. Two weeks later I received a letter for the court date. I went to court and the judge asked when I can vacate the premises because my daughter is in high school, then the judge told me I have to vacate XX/XX/XXXXt and pay {$1300.00}. He also dismissed the court case number XXXX. XX/XX/XXXXt I went with my daughter to pay {$1300.00} in check by court order. She accepted the check but refused to inspect the property XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL. She later refereed my case to XXXX XXXX XXXX address below XXXX XXXX XXXX XXXX, WA XXXX Two months after she sent me a bill from a collection agency for the wrong amount I owed which was wrong. 
In the end I would like to inform that they never worked on the apartment in the five years I lived there, they never replaced the carpets, painted the walls and never fixed the leaking walls. Due to the leak in the wall, a fungus started to grow which my daughter was allergic to. We have medical bills to prove this. I hope you will take a look at my issue. 

Sincerely, The XXXX family
Product: Credit card or prepaid card

I recently paid off my balance on my account. The account has been closed since XX/XX/2021. I paid the balance off on XX/XX/2021. I received a statement in the mail stating I still had a balance. I called comenity bank and they informed me that I paid off my balance to late because I had finance charges that came after for {$2.00}. I havent gotten any letters or emails up until this point. So because of this outstanding {$2.00} finance charge I now owe {$14.00} because of late fees and more finance charges. I called the company and told them that I am willing to pay the {$2.00} that I owed for the original finance charge, but I am not willing to pay the extra finance charges and late fees because I had no idea this was happening. XXXX the supervisor told me that there was nothing that they could do and it is what it is. I dont understand how I can accrue more interest and charges when my account has been closed and I have had no communication from them other than this statement 3 months later.
Product: Checking or savings account

On  XXXX   XXXX , I called Chase Bank asking to use th e Stop Payment Service on two  incoming charges of {$650.00} and {$430.00} from  XXXX , an online service company. I was worried about the money because I saw some negative reviews about  XXXX  and could n't find a way to contact them. The  Chase  representative reaffirmed me that as long as I gave them the correct amount, Chase would reject any payments matching that amount regardless what other names  XXXX  might use.  <P/> On  XXXX   XXXX , I called Chase to cancel the Stop Payment and if I could get a refund for the Stop Payment fee that was charged. The representative refunded the fee. And I was aware that even if Stop Payment is canceled, it would still be effective for  one day, so the two p ayments would n't be charged until  XXXX   XXXX . And just to be safe, I deposited an additional {$1000.00} at  XXXX   XXXX  into my account for any unexpected issues. However, I found out later that my account had an overdraft fee of {$100.00} because of the two payments of {$650.00} and {$430.00}. If the payments were charged like what was promised on  XXXX   XXXX , there would be no overdraft.  <P/> On  XXXX   XXXX , I spoke to Chase, they refused to refund the entire {$100.00} due to the courtesy limit and insisted that no mistake was made on their part. I explained my situation t o   XXXX  , t he supervisor, she was just as frustrated as I was. And told me that they will listen to the types to see if I was telling the truth.  <P/> I feel extremely disappointed in Chase. Used to think that Chase was the better bank. Now, or maybe I was just wrong,  Chase  like the others will look for ways to reach in your pockets for fees. I really want to know what happened to the overdraft fee ban. Can a bank just be a bank? And not act like a government entity constantly seeking ways to punish people financially.
Product: Debt collection

This {$200.00} debt was for a medical bill that was paid in full in XXXX of 2020. Statement of the bill was received in XXXX of 2020 and the bill was paid. Radius Global refuses to remove it from the system so it continues to show up on my credit score as a negative impact. My credit score of XXXX is brought down to XXXX because of this. I am a XXXX constantly caring for others but human decency isnt shown for us. I had asked that Radius Global remove delete this from my file since I do not have anything else negatively impacting my credit and they refused. Because of this I am unable to refinance my home which would bring down my monthly mortgage payment so that I can afford other things for my children. I have requested that radius global remove/delete this from my account but they refuse. There is no reason to purposely hurt someone elses credit and cause them to struggle financially. Especially if the debt has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted CAPITAL ONE AUTO FINANCE about late payments on my now close auto loan. They reported to the credit bureau that I was late 4 times which was false. I told them I have documents proving my claim but no response what so ever from CAPITAL ONE AUTO FINANCE.
Product: Debt collection

I have confirmed with the hospital the procedure was performed at ( XXXX XXXX ) that they got a notice that the statement was not getting to me. They ( XXXX in the billing department ) read my address to me as # XXXX, I told her it is # XXXX and she said " yeah that 's what I meant '' and changed it. 

The first contact from Gragil Associates, I explained that I never knew I had a debt and certainly would have worked this out with the hospital, and asked if I could do that instead. She said no, and that she needed me to pay the full amount or it would be on my report and they would take me to court. I said I could not come up with the money, but can make payments, and she refused. She said " they do not do that '' and I have to pay the full amount. Since then, I have received a bill every month, and every month they 're adding more negative comments to my credit report. Every month, I do the same thing, and call and say that I can make a payment, but she says the same thing " they do n't do that '' and she wants it in full ( yet they are reporting to the credit agencies that I am refusing to pay, which is not at all the case ). I got a final letter on XX/XX/XXXX that says " I fail to understand your lack of cooperation and feel this should be paid. '' I have been trying to cooperate since day one, but they keep falsely telling the credit agencies that I am refusing to pay, destroying my credit. XXXX XXXX XXXX refuses to take a payment unless it is in full, which I can not afford, and they will not give he debt back to XXXX XXXX hospital, who now knows the mistake that happened in the first place and would be willing to work with me on a payment plan. 

I would like these negative remarks taken off of my credit reports from them, as I am TRYING to take care of this debt ; in addition I would like them to accept some sort of payment, or give the debt back to the hospital, so I can stop receiving threatening phone calls and letters in the mail. 

In addition, it should be stated that I have tried calling every single day since the latest letter was mailed to me on XX/XX/XXXX, and am told every day that she is not in the office ; so now they are still sending me threatening letters and having other people call me, but she will not speak with me.
Product: Debt collection

On XX/XX/21 I was contacted by a XXXX XXXX XXXX Their attempt was to collect on a debt that is past the statue of limitations in my state of Texas. The JXXXX XXXX XXXX is willing and knowing violating Section 16.004 of the Texas Civil Practices and Remedies Code that clearly and plainly states that the Statue of Limitations of Debt in Texas is 4 years. They are also violating Section 392.007 of the XXXX XXXX XXXX that clearly and plainly states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. The have failed to provide me the required notice and detailed in Texas Law. I have advised them of their violations and they continue to harassment me. I have sent them another notice to cease and desist as recently as XX/XX/21. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my mental and physical wellbeing and I will seek damages if this matter is not swiftly resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX Email : XXXX Phone : XXXX To : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Formal Request for Charge-Off Notification Proof & IRS Form XXXX  Compliance Dear Credit Bureau Representative , I recently obtained my XXXX-bureau credit report and was shocked by the inconsistencies in how each credit agency reports my financial standing. 

My XXXX XXXX charge-off has been reported differently by all three bureaus, each painting a conflicting financial picture. Heres what I found : TransUnion : Lists the account as Paid Charge-Off, with a last reported balance of {$620.00}. 
XXXX : Reports it as Paid Charge-Off, but lists the balance as {$0.00} with no clarity on the charge-off date. 
XXXX : Shows the account as Charge-Off & Disputed, with a different reported amount of {$590.00} and ongoing reinvestigation in progress. 
Why is there no consistency? How can the same account reflect different balances, statuses, and charge-off dates across bureaus? This not only raises concerns about accuracy and fairness but also puts me at risk of misrepresentation to creditors and financial institutions. 

Legal Violations & My Rights Under the Law Failure to Notify Me of Charge-Off ( FCRA Violation XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ) Creditors must notify consumers within 30 days when reporting negative information, yet I was never properly informed of this charge-off. 
I demand written proof that XXXX XXXX notified me before reporting this account as charged-off. 
Failure to Issue IRS Form XXXX ( IRC Violation XXXX XXXX. XXXX ) If XXXX XXXX wrote off more than {$600.00}, they are legally required to issue IRS Form XXXX for tax reporting. 
If they reported this debt as a loss to the IRS, I am entitled to a copy of the XXXX form for my tax records. 
If no XXXX was filed, I demand a written letter stating this account was not reported as a canceled debt. 
Action Requested Provide proof that I was notified before this charge-off was reported. 
Verify and provide IRS XXXX XXXX or a letter confirming why it was not filed. 
Investigate and update my credit report to reflect accurate and consistent information across all bureaus. 
Explain why different balances and statuses appear for the same account. 
Failure to Respond Will Result in a CFPB & IRS Complaint If I do not receive a response within 30 days, I will escalate this matter to the CFPB, FTC, and IRS, highlighting these discrepancies as potential violations of federal laws. 

This is not just about fixing an errorthis is about holding credit bureaus accountable for reporting accurate and consistent information. 

If you have any questions, you may contact me at XXXX or XXXX. I appreciate your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Capital One changed all their customers Routing Numbers for checking and savings accounts the weekend of XXXX XXXX. I was unable to transfer monies from my Savings account to my Revocable Trust Checking account starting XX/XX/XXXX. I'm unable to use my debit card on the ATM machine outside the local branch. I had to withdraw all my money from my savings account and deposit it in my Trust Checking account. My Trust Checking is used to pay bills and automatic withdraws. I've had several phone conversations with Capital One customer service to no avail. They issued a new debit card but until they link the card to my account I can't activate it. I'm forced to go inside the local branch to get cash from a teller. I sure that this problem exist with all the customers that have a Revocable Checking Account.
Product: Money transfer, virtual currency, or money service

I woke up to a transaction from XXXX for XXXX dollars on my cashapp card around late XXXX XXXX. First thing I did was contact XXXX and requested a refund which they refused. First I talked to a representative that said the transaction didnt go through their systems so it would be refunded to my card. I confirmed with said representative roughly XXXX or XXXX  times if this was true and they reassured me that the statement was true. But the next morning I saw that the transaction did go through. Then I began talking to another representative just to be sure and they pretty much told me I just wasnt gon na get my refund and then ended the conversation after I defended my case. Then I went to cashapp to handle it and filed a claim for a dispute on Sunday which they denied Monday morning, which to me doesnt add up because they said roughly XXXX  days for a response and proceeded to deny my claim in around XXXX hours and the fact that thats the first prize picks transaction on my cashapp card and I gave them a generous amount of evidence that could help me in this case. After almost losing hope I found about the CFPB and how they help people just like me and now Im filing this complaint. Hopefully I am able to get this refund.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 60 days and 30 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX . 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: Debt collection

XXXX XXXX submitted to collection agency for charges that were covered by my insurance company. Multiple attempts to resolve issue with XXXX and the collection agency has not be successful. I have submitted Explanation of Benefits from insurance company to the collection agency and they still will not resolve the account. 

The collection agency is : Credit Collection Services XXXX XXXX XXXX, XXXX MA XXXX ( XXXX ) XXXX
Product: Student loan

Maximums is the owner of Aidvantage and they are a mis-managed and fraudulent company. Aidvantage has changed their names too many times to be credible. I was sent an email that all my student loans were forgiven and the balance for all of my loans was {$0.00}, two months ago. Now on the same website it shows that I have a past due balance. Prior to being sent the notification that I had {$0.00} balance due to the Biden loan forgiveness program, I submitted a request for a forbearance.

I would like to file a formal complaint against Maximus, as well as Aidvantage or whatever they are calling themselves. Maximus and Aidvantage do not need to be the service company managing any student loans. The Dept. of Education and the Financial Aid System needs to manage these programs. Aidvantage and Maximus are both fraudulent companies. 

I have again requested a forbearance request as of today and am awaiting their response. Aidvantage notified me of my XXXX balance for all my student loans as well as all parent plus loans in my name. 

In Jesus Name please put Maximus and Aidvantage out of business.
Product: Debt collection

XXXX  XXXX XXXX has violated the Debtors confirmed Bankruptcy Plan Docket XXXX in Case XXXX XXXX. XXXX  XXXX XXXX proceeded with the violations until the loan was transferred to the new service company XXXX XXXX XXXX XXXX on XX/XX/XXXX. Due to XXXX XXXX XXXX negligents XXXX XXXX XXXX transferred incorrect documentation to XXXX XXXX XXXX XXXX See Exhibit J. XXXX then proceeded because of XXXX XXXX XXXX negligent trying to collect discharged debt from XXXX XXXX. Mr XXXX XXXX contacted XXXX after receiving the ( RESPA ) loan servicing transfer and noticing more errors on the loan and contacted XXXX pleading for XXXX to rectify the incorrect loan information only to be ignored by the loan servicing company over the phone and by fax this was a violation of the CFPB 1005.11 Procedures for resolving errors. Mr XXXX stay on course and determined to correct the loan forcing XXXX to correct the issue by contacting the CFPB Consumer Financial Protection Bureau and filing serval complaints over a 12 month period. XXXX did not responded to any of the CFPB complaints acknowledging the error of the negelinece of the pervious loan service company XXXX  XXXX XXXX but did adjust the loan in XXXX to match the agreed reaffirmation agreement. XXXX then proceeded to file a foreclosure on XXXX XXXX because the loan was behind on payments due to the incorrect data provided by XXXX  XXXX XXXX. This action by XXXX not pursuing any loss mitigation against XXXX  XXXX XXXX was complete neglect of the debtors right.
Product: Payday loan, title loan, or personal loan

I applied for 2 loans with Net Credit via XXXXXXXX XXXX XXXX XXXXXXXX. Application # XXXX AND XXXX both were denied for " unable to verify my income '' but I uploaded my paystubs and i have worked at my job for almost a year. they haven't given any real reason, why and when i call cs doesnt have any info.