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

Since XXXX, the Department of Education ( " DEPT of ED '' ) has been reporting my personal information to XXXX, XXXX, and Experian in violation of 15 USC 6802, FERPA, UDAAP, and the 1974 Privacy Act. Since learning about these violations of my federally protected rights, I have made numerous complaints to XXXX, Experian, and XXXX, as well as, to the different servicers of my federal loans such as XXXX XXXX, XXXX, and XXXX. To date, the DEPT of ED, XXXX, XXXX, XXXX XXXX, Experian, XXXX, and XXXX STILL CONTINUE TO REPORT MY PERSONAL INFORMATION IN VIOLATION OF MY FEDERALLY PROTECTED RIGHTS.

DEPT of ED FAILED to provide me with any of the disclosures that allow for me to opt-out of any/al
l reporting of my personal information nor were they supposed to disclose my information without my permission per FERPA and the 1974 Privacy Ac
t.

DEPT of ED, XXXX, XXXX, XXXX XXXX, Experian, XXXX, and XXXX continue to willfully, negligently, and recklessly report my personal information, and transaction experiences on my consumer credit report AND credit file. 
DEPT of ED, XXXX, XXXX, XXXX XXXX, Experian, XXXX, and XXXX failed to act to protect my personal information as required by 15 USC 6802, FERPA, UDAAP, and the 1974 Privacy Act.
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX lawsuit. 
I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''.
Product: Credit reporting or other personal consumer reports

i dont regularly check my credit report. last week XXXX or XXXX of XX/XX/year> upon checking my credit report from XXXX XXXX they say that there is a missed payment from Barclay 's Bank Delaware. I learned that somebody opened an credit line with that company under my infos.
Product: Mortgage

Demanding that a borrow complete a recast form and pay a {$300.00} fee so that extra principal payments are properly reflected in the recording of monthly payments, i.e. a lower proportion of the payment goes to interest expense and more to principal, is fraud and theft and a violation of federal and state law. Credit card companies can only charge interest on the monthly outstanding balance, but NewRez continues to charge interest on principal balances that no longer exist because they have been paid off with extra principal payments. And NewRez makes every effort to avoid doing a recast with their customer service reps consistently stating on recorded lines that they do not know anything about recasts or even stating NewRez does not do them. Also, once a recast is requested, they take 90 days to complete it. 

I had a mortgage both on my home and raw land in the 1980 's and whenever I made an extra principal payment, the proportion of the monthly payment going to principal each month was immediately recomputed by computer and increased with no need to request a recast. Yes, even in the 1980 's, computers could easily do that. SO NEWREZ NOT DOING THIS IS A VERY BLATANT RIPOFF!!!!
Product: Debt collection

Original Creditor XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX Debit Collector : FCO Fair Collections and Outsourcing XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MD XXXX -Tel ( XXXX ) XXXXFax XXXX Notice Date XX/XX/XXXX, Received on XX/XX/XXXX Contract : Move in date XX/XX/XXXX Lease Expiration Date XX/XX/XXXX Notice given date XX/XX/XXXX Moving out date XX/XX/XXXX Account Balance {$930.00} FCO agrees to Accept 50 % of this amount to close the A/C Dispute was registered on XXXX with XXXX XXXX XXXX concerning a Bugs issues on the rented apartment ( XXXXXXXX XXXX  XXXX -XXXX-VA-XXXX  ) before renewing the contract for the year XXXX where we suggested to the manager to transfer us for other apartment or controlling the bugs by inspector/s treatment for my family 's safety and health, first treatment was made but on XXXX@XXXX XXXX   we complained again for the bugs and evidences that brought to the office, we decided for not renewing the lease contract, due to the failure by the office to control the Bugs, the office charged us {$420.00} to our account, after we left the lease ( XXXX  ) send to us a complete statement where they claimed {$930.00}, in this account / statement ( XXXX ) charged us An acceleration of rent of {$740.00}, accordingly ( XXXX  ) charged us unlawfully/ disputable the sum of ( $ XXXX {$740.00} ) = {$1100.00} + Our Security Deposit of {$400.00}, then our Total Credit should be {$1500.00} minus {$580.00} ( Paints/Key/Utilities /etc accordingly our Net Credit amount should be {$980.00} in favor to our account # XXXX instead of {$930.00} for the false claimed amount made by ( XXXX ) to their credit We Started communicated verbally and written on the above mentioned in and before XX/XX/XXXX before the notice date from XXXX ( XX/XX/XXXX ) and before the moving out date on XXXX. 
XXXX never resolved the above-mentioned issues ( Bugs and renewal the lease or to move out ) while we residence in the apartment to resolve the mentioned issues peacefully with satisfactions to the both parties. 
After ( 4 ) months!! XXXX without negotiations and direct settlements on XX/XX/XXXX sent the False claim of {$930.00} to the debit Collector FCO in spit that we informed them for not sending the false claim to any third party unless we failed to resolve our letter ( XX/XX/XXXX ) by court judgments and orders or lawful procedures. BUT XXXX they ignored our letters /notifications and take the law by their hands and keep putting our financial records in a difficulties for more than ( 3 ) years which ultimately affected on daily bases our records as the whole family of ( 6 ) members, with continuous Financial distresses that will lead us to complete bankruptcy and credit loans, Employments opportunities, new rentals home, mortgages, and on XX/XX/XXXX we have a total loses to our Vehicle ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to the Police crash report # XXXX dated XXXX XXXX in XXXX XXXX for the only car that we have with all proof and evidences during this hard time of Covid-19 and I am Unemployed for more than 10 months due to this situation all over the country
Product: Student loan

I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
Product: Debt collection

I received a collection letter from First National Collection Bureau Inc. I have emailed them more than once informing them this is not my debt. I've tried calling several times but recording says they have heavy call volume and to email them.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I sent the letter off on XX/XX/2022, here is my Tracking number XXXX, and was delivered on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Product: Debt collection

I received a copy of my credit report a few months ago and saw that there were some questionable items on my report. In XXXX I sent a letter to the credit bureaus asking for verification on this account - no verification provided. I sent a second letter to the credit bureaus i received the contact information for this creditor from the bureaus. I contacted the creditor asking for details on what this filing on my report is for. I have not received any answer for this except from the credit bureaus saying that this item is " verified. '' I have given this company over 30 days from when i sent the 2nd letter and almost 6 months since i sent the first letter. i am frustrated to see that in addition to receiving NO RESPONSE this item continues to show up negatively on my report. please investigate.
Product: Debt collection

Hi, my problem is not being addressed and thats why I am resending this complaints until the actual specific issue I have is addressed specifically. Here is my issue one more time : the bank used the word payments when it referred to amounts being deferred. In my case payments include both principle and interest. Therefore when the actual deferments happened, it should have included both of those categories that made up my payments meaning both the interest and principle. There is no legal basis to categorize payments as interest portion only which the bank is claiming right now. You have to address this specific complaint in your letter, otherwise I will keep sending the complaint via as many channels as I can find. You cant just ignore the specific complaint issue or problem that I am having and send a generic response when you cant address the complaint appropriately. In that case, you have to admit you are wrong and come up with another solution. 

Please tell me why the word " payment '' was used in letters confirming deferments to costumers if the bank intended to defer only the " interest '' portions of the mortgage payments. That is false presentation and needs to be addressed appropriately and/or corrective action be taken to make up for it.
Product: Bank account or service

Someone called me and said that I had leftover scholarship money. They had all of my prominent information. They just needed my bank account information. I just moved from XXXX to XXXX and my old bank is not local here so my dad opened an account for me with USAA. I was going to switch my banking from XXXX to USAA. But they did deposit and now my account is negative around {$4800.00}. They closed my account out but I need help finding out who these people are and where this money came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.. 


XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX : XX/XX/XXXX + XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inqiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the rep 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a certified letter to XXXX, XXXX, and Transunion concerning inaccurate information on my account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX, for late payments, 15USC 1681i ( b ) and 15USC 1681i ( 5 ). Transunion refused to do an investigation on this matter, and did not respond with in the 30 days required by FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the last warning for Experian to remove this XXXX account and the others that are IN pending status in the process from my consumer report. I have attached correspondence between XXXX. of education and me, where I demanded them to cease and desist this account. XXXX is fully aware of the cease and desist, during the transparency between XXXX and I, I also cc 'd Experian letting them know that I demanded a cease and desist on all medium so XXXX corresponding through consumer report is also communication indirectly THATS A VIOLATION. I also demanded FROM Experian through multiple mediums that I wanted them to remove XXXX and the rest of the accounts that are in pending status from my consumer report. When I corresponded with Experian via telephone I made them fully aware of my rights as a federally protected CONSUMER, as pursuant to 15 USC 1681b ( a ) ( 2 ) permissible purposes, that I never gave written permission/instructions to furnish anything on my consumer report. AS IT STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They argued with me using abusive PRACTICES stating that whatever the creditor furnishes to them they have to keep it there. I let EXPERIAN know THAT they are not honoring the FCRA. They are in violation. I just got another update XX/XX/2022 ON MY EXPERIAN REPORT after I DEMANDED them to remove THESE from MY report. I also have a right to privacy as a CONSUMER AS PURSUANT TO 15 USC 1681 ( A ) ( 4 ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I DONT WANT ANYMORE STALL TACTICS REMOVE IMMEDIATELY. THERE IS NO NEED FOR EXPERIAN TO GET PERMISSION FROM A FURNISHER WHEN ACCORDING TO THE LAW IT STATES I HAVE ALL RIGHTS AS A CONSUMER TO HAVE THESE ACCOUNTS REMOVE WITH MY INSTRUCTIONS AND I WANT THEM TO BE REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I hope this complaint finds you well. Over the past couple of years, I have continually tried to get these inaccurate alleged account removed from my consumer report. TRANSUNION and XXXX is constantly violating my federally protected rights. They continuously keep failing to provide me with TRUTHFUL PROOF on how they are validating the alleged accounts. I AM FULLY AWARE OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!! As shown in the attachments, I have sent numerous letters. - PLEASE SEE ATTACHMENTS
Product: Mortgage

Hello, I am the owner of single family residence recently purchased on XX/XX/2022. I did not put down the full 20 % down. PMI was added to the mortgage payment at a cost of {$1000.00} per month. Since purchasing the property I have remodeled and upgraded the inside of the entire house, adding safety, efficiency, modernization and green improvements that make it more valuable than when I bought it. 

I have been in contact with GEM Mortgage ( GEM ) because, given the increased values with comparable sales, the property now qualifies to have the PMI removed since the value of the house and those around me have gone up in value and now equity exceeds threshold for requiring PMI. 

On XX/XX/2022 GEM asked me to obtain a Broker Price Opinion ( BPO ). I contacted a local third party Broker and after I received document, provided the BPO to GEM on XX/XX/2022. 

On XX/XX/2022 I called and emailed GEM to confirm they received the BPO document. Their representative now said I need to have one of the GEM representatives prepare a BPO at a cost of {$150.00} that I submitted on XX/XX/2022. The intention, as told by GEM is the process for going through with the cancellation of the PMI. I was told the BPO should take a couple of days. 

Today on XX/XX/2022 GEM is estimating it could take 3-4 weeks to eliminate PMI. This seems like lengthy amount of time to eliminate an expensive requirement and I would like to understand why, in the age of computers, and proof in hand, PMI would be so complex to remove from a mortgage. I have given GEM my credit card statement reports and receipts for all the materials I have bought, a summary of all the labor I have done and supplied them with photos of the remodeled house between XX/XX/2022 and XXXX XXXX. 

It is my perception that GEM is intentionally lengthening the process to get more of the PMI money as possible. I have all the email responses from GEM Mortgage. I am asking for investigation into the delay to remove PMI from my loan, and to confirm that it will be removed at the earliest possible time. 

Thank you, XXXX
Product: Mortgage

When I got my current escrow analysis, I noticed my escrow payment was going up a considerable amount, and I knew there had to be a mistake as I made an extra payment into my escrow account to cover an increase in insurance and taxes. After reviewing the escrow analysis I noticed an error in calculating the actual dispersements. The numbers listed did not total to current number. The numbers listed in the column totaled {$4100.00}, yet the escrow analysis showed the total to be {$4900.00}. The difference is {$820.00}, which was the exact amount of my homeowner 's insurance. It 's evident someone added my insurance twice. ( I will attach the statement so you can see what I am speaking about. ) I have tried to clear this up with Nationstar. Over 6 weeks I have made XXXX calls and spoken to XXXX escrow managers and have been assured that the problem would be corrected. Yet my most recent statement still shows the incorrect total being collected for escrow. In fact I have already made XXXX payment with too much escrow in it because I did n't want a late payment on my credit report or pay a late fee. They are collecting {$410.00}, when the correct amount should be {$340.00}!! That 's over {$68.00} per month they are billing me in excess. The sad part is that I am in the mortgage industry and have an understanding of how escrow and escrow analysis works. Had this happened to the average person, they would n't have caught the problem and just sent the extra money to Nationstar. I am frustrated and just want my escrow corrected!!!
Product: Credit card

I accepted two separate balance transfer offers with Discover in order to save on interest fees from other credit cards. One on XX/XX/year> with a lowered rate of 2.99 % for 16 months and the other on XX/XX/year> with a 0 % fee for 12 months. I set up automatic monthly payments for both transfers in order to perfectly pay off the transfer balance a month BEFORE each one was due in order to not pay the normal interest rate of over 20 %. When I called in to Discover a month before the first one expired, I was told that the payments that I was making were not going towards that transfer balance and that in order to avoid the interest I'd have to pay the entire XXXX XXXX balance before the expiration which was less than 30 days away. I was unable to do that and am now being charged interest on nearly the entire balance that I transferred over to the card and was still subject to the balance transfer fee. When I tried to get an explanation as to how my payments are allocated, I was told on two occasions by two different reps that there's no way to tell how it gets allocated, and I need to look at my previous statements and do the math in order to predict how my next payments will be divided amongst balance transfers and payments. 
I'm now right back where I started with the high interest rates and out an additional {$750.00} in transfer fees. I'm getting no help from Discover and won't even get a proper explanation that a normal person can understand, let alone a person with a financial background. I feel cheated and lied to from a company that I have been using for over 15 years
Product: Debt collection

I have reached out to Midland Funding once a received a letter a couple of months back, and notified them once I saw XXXX   that the debt being collected is not mine. I had a XXXX  credit card back in 2006, which I only had a credit limit of XXXX, and rarely used it. That card was paid off and closed. They are indicating I owe {$1000.00} without any proof of transactions or payments. Now months later, I have a Notice To Debtor that  went to a court in a county I lived in over 7yrs back, never received any legal document prior to this week of the XXXX of XXXX. It indicates they levied my bank. I have sent multiple letters when I received the collection letter and disputed it online complaint over a year ago, and now I receive a letter that they sent to the court.
Product: Mortgage

I became XXXX and my income severely dropped however I should have had mortgage insurance that was supposed to cover the Cost if I died or became XXXX. Now Ocwen says that I do n't have that.
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 proce 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 17. financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This is a debt that is over 6 years and Cavalry Portfolio Services is attempting to collect. This debt is owed by an authorized user and not myself. They have been calling numerous of times on my cell work phone number. I 'm a XXXX and calls like this interrupt my type of work and also put me in danger when I 'm receiving unnecessary calls like this.
Product: Checking or savings account

I received an email from XXXXcapitalone360.com. 

Email : XXXX XXXX XXXX Give us a call about your account ( s ) Mart XXXX We have a few questions about some recent activity on your account ( s ) and need to speak with you to clear this up. 

Please give us a call at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thanks for choosing Capital One. 


I just opened a savings account with them and also called something regarding disputing a charge. I was expecting for them to send an email as per agent told me. I received this email and call and during call it asked to enter my whole social security before speaking to an agent. When I have a time to search this number on the internet, many claimed that this is a scam number. I am now worried.
Product: Debt collection

I have been a victim of identity theft and numerous utility accounts have been opened and charged up and unpaid in XXXX. I have been able to clear some of these thus far and have placed a freeze my credit. I have never lived in XXXX ( have resided in XXXX  since birth ) and have not given my permission to anyone to use my information. My former name is being used as well as my birthdate and social security number. 

XXXX XXXX XXXX XXXX {$660.00} ( reported as theft/filed dispute ) XX/XX/XXXX, XXXX XXXX XXXXXXXX {$420.00} XXXX XXXX as theft/filed dispute ) I was made aware of both of these fraudulent accounts via debt XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main is reporting late notations for XX/XX/21, XX/XX/21, XX/XX/21 and I ask that they please remove them. Due to the unforseen events with Covid cases spiking up again, my job hasn't been offering employees their full hours and it has really impacted me. I struggled for a little to get my budget where it needs to be and had to go a few months to just pay necessities. I ask that One Main please make a goodwill exception and remove the late notations this XXXX time.