23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

This is in regards to both my Auto Loan and Consumer Loan with NFCU. Over the last two months I noticed the breakdown of my per Diem and the amount going to principal/interest based on the number of days in the billing cycle was wrong.I was being over charged interest despite the calculation of the per Diem x number of days since last payment. I called over two weeks ago and was told our account would be audited. ( The reason their representative recommended an audit was because she too said we were being charged more and she did n't know why. ) After a week of no response, I called back only to be told by a manager an audit was never sent but a " Financial Hardship '' request was. ( I am paid a month ahead on both my loans so I do n't understand why this was even a thought. ) She said the request was re-entered, sent " urgent '' and two business days we 'd hear back. It 's been almost three weeks and still no call. They have failed to provide the per Diem and P/I interest breakdown since the start of the loan which we have requested. We were also told that between the initial complaint and last it was corrected however, we never received information regarding the correction or any credit to our bank account or principal balance of the loan. ( We do n't even know how long it had been going on because again, NFCU has continually failed to provide the information requested. I was also told I would be able to pay towards the principal of the loan eventually paying it off early however, now I am told they do not offer that option. They only allow me to pay the balance in full or pay ahead. If I continue to pay " ahead '' as instructed that serves me no good as they will still collect on daily interest until the payment is finally made. I have continually been given false or inaccurate information since I took out these loans. When I have asked for statements from the beginning of the loan with the breakdown of the per Diem, the number of days in that period and how much went to principle and interest, they send me a transaction history which is the same information provided online. ( The date and amount of the payment made ) I have also been told to keep calling back if I do n't hear a response within the provided time frame. This is not my responsibility. It is their responsibility to follow on with their " audit '' as their representative explained and call me or provide me something with the findings along with what I have asked. " Adjusting/Correcting '' the account without following up or giving me the credits for overcharging is fraud. I no longer have the examples of what was off because it is now " lost '' due to the initial filing never being completed or completed accurately. This is absolutely inexcusable especially when I have never been late on any of my loans, in fact they are paid a month ahead and my credit card has a zero balance. This needs to be looked into immediately and my loan needs to be evaluated from day one for corrections and fraud.
Product: Debt collection

I recently reviewed my credit report to find I had 1 account in collections for an old hospital visit. The collection agency is First Federal Credit Control and the amount owed was {$700.00}. I never received any statement or invoice in the mail or email from them. 

I immediately called this company to see how I could take care of this bill to remove it from my credit report. I spoke with XXXX XXXX on XX/XX/2020. He proceeded to tell me that I could not pay less than the {$700.00} because the hospital could not take less than that. He also told me there were several other accounts in collections with them that had smaller amounts that were also affecting my credit score.

After researching, the accounts that I paid off that day ( for a total amount of {$450.00} ) were not on my credit report, and the only outstanding balance in collections is still the {$700.00}. 

I called again today ( XX/XX/2020 ) to ask if I could pay off the account. I spoke with XXXX XXXX. I first let her know that XXXX had lied to me on my call with him about the accounts and how he gave me incorrect advise. She immediately began speaking over me, berating anything I tried to say, and would not let me get a word in. 

This company is is very abusive to callers, lying to consumers, and are rude to the point of me having to hang up because I could not finish a sentence. This company has extremely unfair practices of getting consumers to believe they are in deep trouble because off too many accounts impacting credit scores.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account numberXXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX
Product: Credit card or prepaid card

Two charges in the amount of {$160.00} each were posted to my HSBC credit card - one in XX/XX/XXXX and one XX/XX/XXXX ; both charges are fraudulent and unauthorized. Due to difficulty accessing my account online and by phone, I did not become aware of these until XX/XX/XXXX. When I spoke with HSBC fraud dep't. in XXXX, I was promised ( in a recorded conversation ) the refund of both charges. Now in repeated calls they are refusing to refund the earliest charge due the length of time since it occurred. Today I was given a number for the 'presidential dep't '. When I called I was unable to speak with anybody and could only leave a message. 
I typically have to spend a half hour or more on the phone with no resolution. ; The company has proven to be the most difficult credit card company I have EVER dealt with.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of two personal credit card accounts opened at XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX, the other opened on XX/XX/XXXX, personal credit card account opened at XXXX on XX/XX/XXXX, personal credit card account opened at XXXX Card Services on XX/XX/XXXX, and personal credit account for XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of $ ( private ), a mortgage account opened at XXXX  XXXX  on XX/XX/XXXX, two separate mortgage accounts opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and the other XX/XX/XXXX, a mortgage account opened at XXXX XXXX on XX/XX/XXXX, and a mortgage account opened at XXXX XXXX XXXX  on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.
Product: Credit card

On XX/XX/XXXX I went to make a purchase at XXXX and decided to use my Apple Card as I knew I had plenty of credit available. 
The cashier tried the card several times with no avail. 
After suffering the public humiliation of having to return the products, I contacted XXXX. 
They claim that I was sent an email on XX/XX/XXXX warning of a pending account closure along with another email on XX/XX/XXXX closing my account. 

When I asked for DNS receipts, they could not provide me with anything other than a standard warning pdf and closure pdf with my name and email. 

At no point when applying for the Apple Card was I informed that inactivity could result in account termination. 
The advertising was actually the opposite. Claiming to be unlike any other credit card with no annual fees, no hidden fees
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed off dispute letters to each of the credit bureaus and after 45 days XXXX use the only on that reached out to me with updated info.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions, XXXX XXXX of XXXX ran a hard inquiry without my consent. I would like them removed. He ran my credit more than 40 times without my consent. I see no way to remove any of them. I would like them removed from all credit reporting agencies. There are groups of inquiries from different dates. XX/XX/XXXX, XXXX. Any inquiries done by XXXX XXXX XXXX XXXX after XX/XX/XXXX. 
On TransUnion, I have a total of 51 inquiries. At least 40 of them were done by XXXX XXXX. He did not have my permission. They were trying to get me out of the piece of XXXX car they sold me. When the manager, XXXX, found a car I MIGHT be interested in, he ran my credit. He knew I was only looking for a certain car but did whatever He felt I might be interested in. This is fraudulent. 
XXXX  Inquired on 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, 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, 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, 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, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, is also reporting multiple loans as XXXX XXXX past due and these loans are older than XXXX  years. At no time, have I ever had any written correspondence XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have a duty to provide the name, address, and telephone number of each person who personally verified these alleged accounts, so that I can inquire about how they verified without providing any proof and bearing my signature. I am again formally requesting a copy of any documents bearing my signature, showing that I have a legally binding contractual obligation to pay you or them. 

U.S. Dept of EdXXXX XXXX {$1100.00} U.S. Dept of Ed/XXXXXXXX XXXX {$2000.00} XXXX - NO BALANCE XXXX XXXX - {$200.00} By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report within 15 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX I wrote a request letter to XXXX XXXX by XXXX mail XX/XX/XXXX about a charge I seen on my credit report that was not my items For proof of contract They never sent me the proof that I had asked for Or any kind of documents instead, they sent me a settlement letter then I sent out another request for Original contract documents for this item that was posted on my credit report XXXX XXXX XXXX reported XX/XX/XXXX was on my credit report was then sold To a debt collector XXXX XXXXXXXX XXXX And re-posted With a XXXX balance charger off XX/XX/XXXX Again, instead of removing this fraudulent collection I Requesting this item be removed off my credit report still to date They never sent me proof I had requested for or any I would like this fraudulent charge off my Credit report removal I will be uploading proof off my request With Certify mail, return card, receipt of mailing and proof of letter and the letter I receive from XXXX, XXXX of settlement
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter over 3 months ago to the Bureaus and they are disregarding a regular consumer disputes. This if very frustrating to have to worry about my credit while in a pandemic and have been sending letters before this and still no response.
Product: Checking or savings account

I placed an order on XXXX and I did not receive my order I filed a complaint with them and they said to contact the shipping company the shipping company said to contact them and they just pushed me around I contacted my bank and they denied the claim as well XX/XX/year> {$190.00}
Product: Credit reporting or other personal consumer reports

I wrote the credit bureaus asking for verification of the information that was being reported because all 3 credit bureaus were reporting different information. I also wrote the original creditor asking for a 1099 since my account was listed as a charge off. The credit bureaus did not provide physical verification, my credit report account was just updated. I have not received a response back from the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report such as an inquiring on XX/XX/2021 for XXXX XXXX XXXX. I am a victim of Identity Theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and also have enclosed copies of the Federal Trade Commission 's Identity Affidavit. Please delete this item as soon as possible
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding the improper access, use, and potential breach of my student loan records, which have directly impacted my credit report and financial security. Recent reports indicate that unauthorized individuals, including XXXX XXXX, have gained access to Department of Education records. This raises serious concerns regarding the security, accuracy, and lawful use of my personal and financial data.

Nature of My Complaint : 1. Improper Use of My Credit Report My student loan data has been accessed, shared, or manipulated without my consent.

This unauthorized access constitutes a direct violation of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ) and Fair Credit Reporting Act ( FCRA ).

2. Failure to Safeguard My Loan and Credit Data Due to potential unauthorized access to the Department of Educations records, I can no longer verify the legitimacy or accuracy of my student loan information. 

The lack of proper safeguards has resulted in a breach of my personally identifiable information ( PII ), exposing me to financial risk and credit reporting errors. 

3. Negative Impact on My Credit and Financial Standing Any unauthorized inquiries or data breaches affecting my student loan records may have led to adverse effects on my credit score. 

The unlawful access to my records undermines the legitimacy of my debt and places an undue burden on me to correct or dispute information that I did not authorize.
Product: Mortgage

Discover XXXX XXXX Discriminates. 

We started an application for a XXXX  with with Discover Home Loans. We were told they do not do XXXX only XXXX XXXX XXXX. My husband XXXX spoke with the reps. and I emailed with them. At no point did they tell us that they do not offer any type of loan to people who own more than XXXX acres of property. They had multiple opportunities to tell us this as they had our address at the onset of the process. 
. 
1. This practice is discriminates against individuals who farm, live in rural areas, and are of a protected age as large landowners are typically older. ( average age in 2020 was XXXX ). 

2. This limitation was not disclosed at any time prior to or during the application process. We spoke to reps, emailed reps and had multiple electronic interactions in their portal. They inquired on our credit, lowering our credit scores, and wasted our time. 

This inquiry will increase our interest rate and lower our score jeopardizing our ability to obtain a loan with another company. 

The inquiries need to be electronically deleted using E-oscar or whatever the current quickest method to update ALL THREE CREDIT BUREAUS is.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Account - XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 It also states a consumer reporting agency can not furnish an account without my instructions.
Product: Debt collection

On XXXXXX/XX/year>, I received a phone call from a debt collection company ( Congress Collection ) at XXXX XXXX, which is outside of the legally allowed hours for debt collection calls under the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA specifies that debt collectors can not contact me before XXXX XXXX  or after XXXX XXXX  in my time zone. 

This call is a violation of my consumer rights, and I consider the companys actions to be unfair and harassing. I am requesting that this issue be addressed, and that Congress Collection stop contacting me at inappropriate times. Additionally, due to this harassment, I would like to explore the possibility of either having the debt erased or taking legal action for damages if this behavior continues. 

I also have a screenshot of the time and number of the call, which I am happy to provide as evidence if necessary. 

Thank you for your attention to this matter.
Product: Student loan

I have had these loans for over 10 years, and the servicers have changed twice. What has not changed is that using their websites to setup automatic payments or make payments seem to be designed to be difficult. For example, I am trying to refinance the loans now with XXXX XXXX, and the Navient site does not produce a proper statement that would give a refinancing institution the necessary info to confirm payoff and status. 

Several times in the past I paid over my minimum payment to try to pay down principal more quickly, but always had to jump through several hoops to get the payment applied to principal. Their defaults for payments are in their favor, and if I did not message or call them after every payment, they were made towards interest so that they would continue to earn more interest over the life of the loan. Even now with my automatic payments I am reflected as " paid ahead '' instead of payment amounts going towards principal wholly.
Product: Credit reporting or other personal consumer reports

Please remove inaccurate personal information reporting on my behalf
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit files contain accounts both past the statue accounts as well as absolute inaccuracies. 
1.XXXX XXXX Paid as agreed, XXXX balance. 
2. Medical bills XXXX XXXX ( Paid ) falls under the XXXX 3.XXXX XXXX paid as agreed. 
4.Direct and Federal Loans are being reaged. They are reporting delinquent after 7 years. 
5.XXXX XXXX this is not my account. Also show bankruptcy. 
6. XXXX XXXX Paid as agreed. History reporting inaccurately. Never 30 day delinquent XXXX through XXXX in XXXX. 
7. XXXX XXXX Paid as ageed.
Product: Vehicle loan or lease

I have since paid off his loan, but approximately 5 years ago I had an auto loan with Bank of America. I paid my normal monthly payments and occasionally I would make a principle payment additionally. I discovered that not only was interest charged, and rightfully so, on my regular payment, but that I was also being charged interest on my principle payment. Essentially Bank of America was making me pay interest on my own money. They only credited me when I complained. I submit this to you as there is no telling how long this has been going on or to how many other consumers this has happened to, namely being cheated by this fraudulent tactic. I realize I probably should have complained sooner but I did not know how to go about it until a friend told me about CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/2023 and notice there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report.
Product: Credit reporting or other personal consumer reports

I have disputed with Experian over five times to have them remove incorrect information off of my report, they have yet to remove the incorrect information.