23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX handled my student loan from XXXX, XXXX, XXXX. I noticed that XXXX utilized a glitch to charge more fees/interest to students, and upon review of XXXX payment history, it appears XXXX also utilizes a glitch to collect more fees/interests as well. 

XXXX responded to complaint XXXX in which it referenced XXXX practices ' in regards to my student loan, so before this case goes to court, XXXX has an opportunity to resolve any discrepancies. 

Fact XXXX. I began paying back this XXXX year loan to XXXX in XXXX XXXX. 
Fact XXXX. The beginning balance of the loan was approximately XXXX 
Fact XXXX. I was only required to pay back XXXX per month starting in XXXX XXXX. 
Fact XXXX. From XXXX XXXX to XXXX XXXX XXXX XXXX total months XXXX, I paid XXXX XXXX XXXX XXXX doc ). 
Fact XXXX. If I was only required to pay back XXXX per month then $ XXXX months paid. 
Fact XXXX. Since XXXX months paid, that equates to XXXX years, XXXX months. 
Fact XXXX. Since I started paying back in XXXX XXXX, XXXX years, XXXX months after that is XXXX XXXX. 
Fact XXXX AES XXXX processing my loan in XXXX XXXX, and at that point, I was already XXXX years, XXXX months ahead in paying my loan. 
Fact XXXX XXXX XXXX that I was late in XXXX XXXX, which was false. I was ahead. XXXX assumed I was late and did not consider payment history when making false assumptions/decisions. 

Fact XXXX XXXX XXXX reporting that I was late with XXXX XXXX when this is not possible, as seen in the payment history, I paid more than the required amount. 

Fact XXXX. XXXX refunded me late fees in XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX because the system it uses has a glitch that automatically charges late fees when the student is already ahead. I did not ask for these refunds, however, it appears, someone within XXXX recognized that I was in fact ahead in my loan, and refunded me accordingly. 

Fact XXXX. Since XXXX is reporting that XXXX considered that I was late in making payments, I need documentation relating to those facts, otherwise, when a lawsuit is filed against XXXX, I must also file against XXXX. 

When borrowers pay back over XXXX in under XXXX  years, and when the starting loan is under XXXX, it can easily be seen that the borrower was ahead several months. However, since the loan was transferred to XXXX in XXXX, XXXX, the late fees that were previously refunded in XXXX, XXXX, XXXX due to system glitch caused XXXX to think that my loan was late when it was not. XXXX XXXX not have reviewed loan properly before it was transferred, however, XXXX needs to review it now and verify that I was in fact ahead by over XXXX years. Documentation is needed so it can be relayed to XXXX, and this will help XXXX to avoid costly litigation. Thank you
Product: Debt collection

I was contacted via mail by Calvary Portfolio ServicesXXXX XXXX XXXX attempting to sue me for a debt ( {$9600.00} ) that is past the collection statute of limitations for New York XXXX XXXX XXXX XXXX XXXX. XXXX & XXXX XXXX ). In the letter I was threatened with wage garnishment and a hit on my credit score. Since the debt is time-barred, the FDCPA prohibits a debt collector from threatening to file a lawsuit, or threatening to take action that would require them to win a lawsuit, such as wage garnishment or bank levy. Calvary Portfolio XXXX XXXX XXXX XXXX are acting in clear violation of the FDCPA. 

The stamp on the court summons has the date XXXX XXXX, XXXX ', I'm confused on why it is dated XXXX, when we are in the year XXXX. The credit card account that I'm being sued for was opened XX/XX/XXXX. According to XXXX XXXX. XXXX. XXXX & XXXX XXXX, this is well past the statute of limitations to collect on said debt.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Delete this information immediately!
Product: Credit card or prepaid card

Due to different accounts with different interest rates, I know that lower rates are available. The customer service rep insisted that I have the lowest rate, which is a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently requested copy of my XXXX Credit Report. In reveiwing my credit report I was shocked to see several Affirm accounts on my credit report. In looking over my credit report, I noticed it was about six different accounts.

With six different account numbers, some were of collections, and some were paid closed.Two were paid closed, and three were in collection status. I am not aware of the accounts reporting with the company Affirm Inc . I did not give any permission too open any account with this company. 

Therefore, I am not aware how my personal infotmation got tied to these accounts. I have had issues of my personal information being compromised. And been used in several transactions in which I recently requested to freeze on my credit file. 

I request that these accounts be deleted and removed from my credit file. I am not aware if these accounts are repoerting on my other credit files. But, I will request my files from XXXX XXXX, and XXXX. I only currently see these accounts on XXXX. 

I went onlne and filed a complaint with the Federal Trade Commisiion, for Identity Theft See uploaded copy of complaint, with all account numbers of accounts..
Product: Student loan

I am repaying my loans under th e Public Service Loan Forgiveness  program and was trying to get information from my lender on which plan would offer me the lowest monthly payments while still qualifying for PSLF.     In  XXXX , I was told by a Fedloan Servicing representative that my best option would be to go on a standard repayment plan, rather than an income-driven plan. I was told my monthly payments would be {$570.00} and that those payments would qualify for PSLF.     When I received the terms of my new plan, the monthly payment was {$960.00} and the payments will not count toward  PSLF be cause I was placed on  a 128-month repay ment plan instead of a  120-month  repayment plan.     I contacted the company and they said they would attempt to resolve the issue withi n 10-14 da ys. However, even in the best-case scenario, in which I receive the {$570.00} payment initially promised, I will have to make the higher payment of {$960.00} in  XXXX     2017 an d that payment will not qualify for PSLF.
Product: Consumer Loan

The bank force me into a charge off but then we were approved for the Service Relief Act and it was cleared up in 2011. Now they are reporting this as a charge-off loan as of this year.
Product: Credit reporting

[ Case number : XXXX ], [ Case number : XXXX ] I am still receiving notices in wrong name this one with an extended alert for 7 years. I did not ask for that, I also received it on a post card vs in a letter which is unusual for a credit report co.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have formally requested Equifax to conduct a thorough investigation into the account they've included in my credit report. Despite making this request on at least three occasions, Equifax consistently responds by asserting, " Account meets FDCPA requirements. '' However, they neglect to carry out a genuine investigation, as evidenced by the fact that if such an investigation were truly conducted, the account in question would be expunged.
Product: Credit reporting, credit repair services, or other personal consumer reports

FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt.

Also, THIS COMPANY IS IN VIOLATION OF 15 USC 1681N IN THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-. 

XXXX XXXX XXXX XXXX ACCT # XXXX .... Balance : {$0.00} COLLECTION XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX .... Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year> I received an email stating a XXXX XXXX  credit card debt of {$1500.00}. I mistakenly went through the process of setting up automatic payments in the amount of {$120.00} for the past three months, this money has come out of my account to my own ignorance. I checked my own XXXX XXXX  credit card there was no evidence that those XXXXhree months of payments had been taken out of my debt owed. I called the company trueaccord to try and resolve this issue I gave them the account number that was in the email that they sent me. They realized their mistake took my card off file so it would not charge anymore payments but they are reluctant to refund my money that they took to pay this other persons debt I have asked for hardcopy information of all the transactions they are refusing to give me any hard evidence or paperwork on this matter I tried going to the XXXX XXXX XXXX They are not a part of that association. My bank is refusing to refund the money as well, stating since I set up payments unknowingly that it is up to true accord to refund the money which they are refusing to do as well. I am stuck without knowing what to do at the moment over {$300.00} of my money gone. My bank XXXX XXXX XXXX XXXX like I said is also refusing to refund the money. It seems like no one wants to own up to the mistake that was made costing me over {$300.00}.
Product: Mortgage

Bank of America failed to pay my escrowed taxes that were due XX/XX/2022. I contacted them on XX/XX/XXXX, when I was notified by my town that my taxes were unpaid and had accrued a late fee. They opened up a case and I assumed the taxes would be paid immediately along with the late fee. I followed up with several phone calls after that and was told it was being handled. I then received another letter from my town along with an additional late fee early XXXX that taxes were still unpaid. I called Bank of America and was able to get through to a supervisor on XX/XX/XXXX who told me she can not confirm when the taxes would be paid because they still had not gotten any response back from their escrow/tax dept regarding my case. I now had incurred 2 months worth of late fees and asked her to have me removed from escrow and I would pay the taxes myself. She told me this was not a problem and would remove me immediately and I would have my escrow refunded to me in a couple of weeks. There was over {$4000.00} sitting in my escrow and I had to come up with other money to pay my taxes. I find out today ( XX/XX/XXXX ) that the bank sent out a check for my taxes on XX/XX/XXXX to my town. I paid the taxes on XX/XX/XXXX and told them NOT TO PAY MY TAXES. The town will be receiving a duplicate payment and by law has to return the Banks check to them because they paid second. They also did not even send late fees with their payment. Bank of America said I need to keep an eye on my account for when the amount gets refunded from the town back the mortgage account and then only to call and ask for an escrow analysis before they can give me any of my money back. This is Unacceptable! We are hard working people with a child in college. I had to come up with more money to pay my taxes when they already had my money. There is no mention that I will be even getting back the late fees I paid that they incurred! This would have to be a whole different request. I have paid off a couple of other mortgages in the past with other banks and this has never happened. Someone should be held responsible as they should not be allowed to get away with this.
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 account # XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX XXXXDept of Ed account # : XXXX XXXX U.S.C XXXX section XXXX A. XXXX 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 an 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 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: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

I purchased a car on XX/XX/18. At the time of purchase a credit report was run by the car dealership. The loan was approved and I began making payments to Wells Fargo. On XX/XX/18 Wells Fargo ran a 2nd credit report on me thereby creating two hard hits on my credit report for the purchase of one car. 

I called Wells Fargo and asked them to submit in writing the mistake they have made to the credit reporting agencies. They declined and said I would have to go through their disputes process. They further indicated that they had no record of the credit check. I declined indicating to the Wells Fargo manager that I do not have time to fix their messes. I feel they have violated Federal Law, Reg. 1681 and have negligently pulled a credit report without my permission. I would like this situation remedied by Wells Fargo. I've only had the loan a little over a month and they've already cause a negative impact to my credit report.
Product: Student loan

I have XXXX consolidated student loans, both of which are serviced by FedLoan Servicing. XXXX loan is a Direct Subsidized Consolidation Loan and the other is a Direct Unsubsidized Consolidation Loan. The monthly payment amount for the Direct Subsidized Consolidation Loan is {$210.00}. The monthly payment amount for the Direct Unsubsidized Consolidation Loan is {$310.00}. The total monthly payment amount for both loans is {$520.00}. 

Currently, and throughout all of 2016, I was enrolled in a Direct Debit program through FedLoan Servicing for both of these loans. Each month, {$520.00} was automatically withdrawn from my bank account and applied towards my monthly payment of {$520.00}. I made all of my payments on time in 2016 in the exact amount due. None of the billing statements that I received from FedLoan Servicing show that there was ever any past due amounts. My XXXX Credit Report, which I accessed today, shows that in 2016, FedLoan Servicing received each of my monthly payments on time. 

On XXXX XXXX, 2016, FedLoan Servicing issued me a billing statement for the payment due XXXX XXXX, 2016. This billing statement showed that I had accrued {$51.00} of Outstanding Interest for my Direct Subsidized Consolidation Loan and {$73.00} of Outstanding Interest for my Direct Unsubsidized Consolidation Loan. However, the previous billing statement, which was dated XXXX XXXX, 2016, shows that there were no past due amounts. And the XXXX XXXX, 2016 billing statement shows that I made my XXXX XXXX, 2016 payment on time, and in the full amount of {$520.00}. 

Even though I have made all of my payments on time in 2016, and in the full amount of {$520.00}, my most recent billing statement, which is dated XXXX XXXX, 2016, shows that there is still Outstanding Interest. This sum is {$51.00} for my Direct Subsidized Consolidation Loan and {$72.00} for my Direct Unsubsidized Consolidation Loan.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$160.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

We requested a modification from Bank of America they put us on a trial payment after making the payments of {$1300.00} for 3 months and after telling us we will get a better deal how ever they did not modify the loan at all. The interest rate and monthly payments remain the same, they did not modify anything. We were atempting to get a loan modification from the bank for more then 4 years. And they also deferd all the principle to the end of the loan term. Also the market value of the proparty is around {$200000.00} and the bank put {$350000.00}. Basically the loan was not modified.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name : XXXX XXXX XXXX Dates : Attempt to contact Experian on or around XX/XX/XXXX Remedies Attempted : Left a voicemail through one number. Filled out PIN request with zero response. Could not speak to a live person. 


On or around XX/XX/XXXX, I completed the Experian online form to retrieve my security freeze PIN and have it sent to me [ https : //www.experian.comXXXX ]. I placed a security freeze on my account on XX/XX/XXXX and paid {$3.00} based on the state I live in. In order to retrieve my PIN, I filled out the form and submitted copies of my Driver 's license and all required information. I never received a PIN in the mail or any correspondence from Experian via any other means. I attempted to contacted Experian using their customer service number of XXXX, but could not find a way to use the automated system to either retrieve my PIN or to speak with a live person. I tried a few different ways and searched their website and had no way to contact them. 

I am looking for one thing, and that is a copy of my security freeze PIN so that I can choose to temporarily or permanently lift my current security freeze if I so choose. I had no problems retrieving my PIN from either XXXX or XXXX, only with Experian. Please assist me and have them reach out to me and/or provide a way to contact a live person. It is ridiculous that they control my credit reports yet I have no ability to speak with customer service reps with my problem.