23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I entered the Public Service Loan Forgiveness program about 6.5 years ago. My loan amount that was transfered was XXXX XXXX.They placed me in the Income based repayment ( IBR ) plan. From XXXX to XXXX of XXXX, I paid {$300.00} a month for student loan payments. In XXXX of XXXX, my payment jumped to {$550.00}. I called and complained. I was told that this was part of the forgiveness program repayment. I asked it they have a better plan that did not charge as much. I was told that this one was the most flexible.This went on until XXXX of XXXX when they jacked it up again to {$610.00}. I called and complained, again. They stated that if I fill out the IBR form to recertify, my payments would drop. I filled out the form and it took until XXXX to reduce it down to {$480.00}. At this time, I noted that my loan balance was {$48000.00}. In XXXX of XXXX, the payment went up again to {$520.00}. They raised it again in XXXX of XXXX to {$570.00}. It was explained to me when I entered the program that it freezes the interest and you pay down the principal balance so you basically get the interest forgiven.Looks like I am not getting even that. I have paid them {$34000.00} so far and yet I still owe {$36000.00} .The new recertify form is stating that my payments are set to go back up to {$600.00}. I have done the math, at this rate I will have paid off the loan with their repayment plan. In which case, there is NO LOAN FORGIVENESS!!
Product: Debt collection

Continued unlicensed debt collection and harassment. Barclays is bankrupt and I'm in the process of foreclosing on them. The debt is fraudulent because Barclays commited fraud which was exposed by the collapse of XXXX and now Barclays is bankrupt. They are currently in default. I complained to the DFPI about their unlicensed debt collection activity previously. Complaint-XXXX. XXXX of compliance sent me a letter acknowledging that they did not hold the required license and that I would receive no further communication from them. The XXXX said they closed the case as a result of that letter. I just received a letter from a separate debt collector who also did not have a license number. This is extreme harassment. I've had people break into my home twice as a result of the ongoing fraud that Barclays in involved in. 

Cease and desist. Stop contacting me. Pay me NOW! Stop making loans.
Product: Vehicle loan or lease

We paid off our XXXX with KIA Finance and never received our title. I contacted KIA Finance and found out they mailed it to an address that doesnt even exist. I have tired to go through avenues to fix this including the XXXX, in which they took MONTHS to get back to me then sent a rude letter when they tired twice to finally call me when I was out of the country and they are still refusing to send us the Title. They got our money but our car ownership is in limbo since they mailed our Title to a non-existent address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I was reviewing my report and noticed that I have fraudulent accounts reporting to my credit report. XXXX XXXX is tremendously hurting my credit report and needs to be deleted. 

This is a violation of my consumer rights Under 15 U.S. Code 1692e - False or misleading representations please delete immediately
Product: Checking or savings account

I have been using a money lending company called XXXX to help me financially. To do this they need to access my account which they have been able to do and now PNC wont let them access my account. Its my account so why is this possible?
Product: Credit reporting or other personal consumer reports

To my disbelief, I found inaccurate accounts on my credit report this afternoon, and I have no idea why theyre there. I check my credit report routinely, and I wasnt expecting any surprises, but this time there were random discrepancies. I tried refreshing my browser, hoping it was an error, but it didnt fix anything. Because of this, Im requesting a thorough check of the documents I submitted to ensure this issue doesnt trouble me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Experian credit report and found XXXX XXXX XXXX had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded. I filed a complaint wit h the CFPB but the company response did not provide documentation that can be used for an identity theft report such as a singed contract or IP address so their response was inadequate to solve the issue. They either need to delete the inquiry or provide the documentation that i have requested that substantiates it so i can file and identity theft report with the FTC
Product: Credit reporting or other personal consumer reports

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 Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX 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 a Accounts : 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  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 # ( XXXX ) 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 filing this complaint because TransUnion continues to report inaccurate information on my credit report, despite my repeated disputes. Specifically, the account from XXXX XXXX XXXX is being reported with a late payment in XX/XX/year>, yet the payment status says PAID OR PAYING AS AGREED. This is contradictory and misleading reporting. If the account is paid as agreed, there should be NO LATE MARK. Even more concerning, XXXX and XXXX are not reporting this late payment at all, raising serious questions about the accuracy of XXXX data and what procedures they are following that differ from the other XXXX major credit bureaus. I have disputed this issue multiple times, and in each response, TransUnion continues to send a letter declining a fraud block requestsomething I never even asked for. My dispute was about correcting a factual error, not reporting identity theft or fraud. This mischaracterization shows negligence and a failure to understand or process my dispute in line with federal law. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ) and 1681i ( XXXX ), TransUnion is required to ensure maximum possible accuracy and promptly correct or remove any information that is inaccurate, incomplete, or unverifiable. TransUnion has failed to do so. This ongoing reporting has caused me XXXX  and XXXX  XXXX, and I am now asking for CFPB assistance to ensure this issue is properly investigated, resolved, and removed or corrected on my credit file. At this point, Im not playing around. I am tired of trying to fix this myself. If necessary, I am prepared to escalate this further with legal counsel. Under 15 U.S.C. 1681n, willful noncompliance with the FCRA may result in statutory damages of {$1000.00} per violation, in addition to actual damages, punitive damages, and legal fees.
Product: Credit reporting or other personal consumer reports

Someone purchased a vehicle through a Credit Acceptance company using my personal information. I reviewed my credit report and noticed this on my credit report I've never purchased a car from a lot. Once I gathered the information I contacted the company to retrieve more information about this transaction and have been left with not only unanswered questions but a horrible credit score that can't be repaired.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to. Please investigate this and have this removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX XXXX  XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Mortgage

On XX/XX/XXXX we received a mortgage payment bill but immediately saw it was a different company and a significant higher monthly payment. We contacted the new company PHH Mortgage - XXXX and requested clarification on what's happening with our increase mortgage cost since we are on a 30 year fixed. they proceeded to tell me the prior company had sent a financial review of the mortgage and the information sent indicated a significantly higher escrow amount ( annual tax and escrow acct balance ) than what I had just stated. They sent me a copy, within a week, of what the other company XXXX - XXXX had sent to them regarding our mortgage and they had significantly and fradulently quoted that our taxes were {$7200.00} when in actuality our taxes to be paid in 2021 are only {$5400.00} with the 1st install was paid on XXXX XX/XX/2021 of {$3500.00} by XXXX leaving only {$1800.00} due XXXX XXXX. As the result the new company Immediately began overcharging us {$1400.00} versus {$1100.00} with the prior company. At no time were we notified, by XXXX or any changes to our mortgage until we filed a complaint with XXXX and on XX/XX/2021 someone called to say that had sent us an update but couldn't document when or send us a copy. Our escrow needs to revised immediately and XXXX needs to be held accountable for fraudulent business practises. We have sent to PHH all the valid escrow tax and insurance date directly from XXXX COUNTY Illinois for the last 5 year period which document the actual taxes listed above. We have spoken to PHH over 5 times, sent all appropriate and requested documents, fax confirmations and this is still not taken care of. Since we have no recourse other than hiring an attorney ( too expensive ) we are placing our trust in your organization to hold one of both parties accountable. Since all the documents are hard copy I would be happy to fax, priority mail any and all copies that have been sent to PHH. Thank you in advance for yourhelp and consideration with this outrageous matter! 

Sincerely, XXXX XXXX XXXX XXXX...
Product: Debt collection

never received papers that i was being sued never received summons never knew was sued by XXXX XXXX XXXX says summons was delevered to wife XXXX XXXX was not living with XXXX XXXX at that time was not living at address where delevered all papers were returned that mailed never delevered XXXX XXXX  got a Judgement against me and Garnished my bank account for everything I had in I cant pay rent or buy food for my family did not know about this at all the Judgement was from 2010 never knew I was being sued by XXXX XXXX XXXX I dont even know who XXXX XXXX XXXX is Never knew there was a Judgement against me Please help me
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have attached FTC reports with reference numbers XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment that has been reported on my credit file. After reviewing my credit report, I noticed an inaccurate late payment listed on my account that I believe is incorrect. I have reviewed my payment records and I believe this reported late payment is an error. I request that you investigate this matter and, if found to be an error, promptly remove the late payment from my credit report. Please let me know if you need any additional documentation or information to support my claim. Thank you for your immediate attention to this matter, and I look forward to your timely response. 

Account with late payment : Regions Bank - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : TransUnion I am trying to see my credit report which by law, I am entitled to, for free. And I can not see it or open an account without having to file a credit card number on file for their monthly fee. The XXXX  of a credit monitoring company housing all MY credit information, using it a financial tool tied to my identity and insisting I pay for their programs to see MY OWN CREDIT!!!! I can not file disputes. I can not see if information is accurate. I can't even see IF MY IDENTITY HAS BEEN STOLEN!!!! 

Reprehensible.
Product: Credit reporting or other personal consumer reports

I am writing yet again to the CFPB as there are numerous inaccuracies on my XXXX, Experian and XXXX credit reports. These agencies have never had written permission from me to furnish a credit report on me, and when I ask for validation and verification of the items I know are inaccurate, I do not receive the the information these agencies are required by law to provide to me, perhaps because they never received my written permission to report anything. As these agencies, the banks who report to them and the CFPB are all under the same parent corporation unbeknownst to most consumers, my rights as a consumer that are protected by Federal laws that these agencies must adhere to are continually violated in favor of these agencies ' ongoing collusion and racketeering at my and many other consumers ' expense.

15 US Code 1681 ( d ) 2, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I require the immediate removal of the accounts furnished by XXXX XXXX and XXXX  XXXX XXXX on all three of my credit reports as despite my many many complaints that neither the agencies nor these banks had my written permission to furnish any information about me to anyone else ( violation of privacy ), the consumer reporting agencies XXXX, XXXX and Experian are owned by these very banks! Furthermore, the information reported is totally and completely inaccurate and XXXX XXXX XXXXXXXX and XXXX XXXX  are fully aware that these accounts were discharged in full, on time and as agreed in the same specie of money/currency as they exchanged with the Federal Reserve Bank on my behalf. Where are my original promissory notes that they clam to have 'charged off '? They can not provide them as they were exchanged dollar for dollar, therefore as I also discharged the debt AND they exchanged my note for at least XXXX to XXXX x the amount of my promissory note, they have gained considerably and their 'charge off " is fraudulent. Also, I have not received a 1099-C from either of these banks as required by the IRS and as this is income to me if their claim is supposedly accurate from their continued reporting of it, this is income to me and not reportable on any consumer credit report ( IRS XXXX )
Product: Checking or savings account

On XX/XX/2022 i received a call fro Bank Of America ( it said bank of america on my caller ID and was associated with the phone reflected the same number as bank of america. The person who called me said they were with Bank Of America fraud protection services and gave his badge and ID # an stated that there had been fraud on my account. I was out of town at the time, so I thought that this could have happened being that I was out the previous night. He said whoever committed the fraud had tried to take money from my XXXX account that was connected to my B of A account. They told me that the only way to reverse this and for it to be documented as fraud was to accept the payment requests ( yes multiple ) from the person who requested the money in my XXXX account and then it would immediately be marked as fraud and be returned to me. I asked who the person was that was requesting the money and i was told that it was his manager at Bank of America. I was a bit skeptical so I looked the so called manager up on XXXX and they had a ( what I now know was fake ) linkedin profile that said she was a Bank of America manager. I did what I was told and as I was doing this my friend, who i was with at the time and is a lawyer asked me what he heck i was doing. I explained the situation to him and he said YOU ARE GETTING SCAMMED! he immediately hung up on the person and told me to call XXXX and bank of america to report it as fraud. I immediately called both bank of america and paypal. Since then, I have called bank of america oer XXXX times, XXXX over 100 times, filed a police report, visited 4 bank of america in person locations, and spent over 43 hours on the phone with both bank of america and paypal. Bank of america said that this was extremely important to them, and they would resolve it immediately and that was over a month ago. XXXX is now coming after me for XXXX and the scammer got XXXX from me and I have not gotten a XXXX back from bank of america.
Product: Checking or savings account

On Friday, XX/XX/XXXX I went to chase to deposit cash. It looked busy inside, so I decide to deposit the cash {$2600.00} via the atm. I have done this before and never had an issue. The entire {$2600.00} were {$20.00} bills. I put the first chunk in and heard it counting and then I chose the deposit more option and put the second handful of XXXX XXXX in. It was counting and then a message popped up saying too many items to read. None of the extra bills dispensed out and a receipt spit out saying to call them if my deposit didnt go through. On the screen it showed a message of this atm can not accept or dispense cash payments. Ive never had this happen before. I go into the branch very upset and then in tears explaining what happened. The woman I was directly talking to told me to call the number in the receipt and told me to try to stay calm. I went over to a seated area in the branch and reported the claim and she told me to rest assured the money would show in my account in 1-2 hours. I still felt very uneasy about even leaving as that money was to pay our mortgage and car payment. Not to mention its a long holiday weekend and my husband is out of of town and I had less than {$20.00} to my name. This was all around XXXX est. I logged into chase I can not even count how many times. The money still wasnt in there. Friday night, I called again and got a XXXX from chase. She assured me they were actively working on it and best case scenario it would in my account Saturday, XX/XX/XXXX and worst case scenario Sunday, XXXX. I said what happens when I wake up Sunday and its not there. She said that wont happen but if it wasnt to call them. I even said even though its a weekend and holiday on Monday. She said they work 24/7 and dont get holidays. She told me to rest assured it was going to be in there. Saturday came and it wasnt there. Yesterday I called chase yet again to get an update. I got a gentleman who told me I was given incorrect information. That the back office is closed on the weekends and the system was waiting for the back office to do a system override. He said this could take 1-2 business days up to 10. I have mortgage and car payment due on XXXX - my husband is out of town and Ive been left with no help - no resolution - no money. I havent slept since this has happened and have had XXXX XXXX XXXX XXXX because of this. If there are cameras all over the atm I would hope it saw everything that happened not to mention me going into the brand crying and upset. Can someone please help me get my {$2600.00} back?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a bitim of identity theft. Someone has tried to open up Checking accounts in my name. 2 were XXXX XXXX and US Bank. I had a XXXX  XXXX account awhile back but it has been closed for sometime now. Someone on a couple other dates tried tomopen up credit with them. It was not me. A former employer stole identity and my SS # has been compromised along with my id. My information also was comptomised through the XXXX XXXX breach and XXXX company breach as well. I filed a police report and I have locked my credit so that hopefully damages can no longer continue.