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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, and fraudulent accounts and inquiries have been made using my personal information. I am requesting immediate action to block and permanently delete all accounts and inquiries that were created or accessed without my consent, in accordance with 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ).

Below is a detailed list of the fraudulent accounts that must be blocked and deleted from my credit file : Fraudulent Accounts : Chapter XXXX Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} DEPTEDXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} DEPT OF EDUCATION/XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} DEPT OF EDUCATION/XXXX - XXXX - XX/XX/XXXX - {$00.00} DEPTEDXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$00.00} DEPTEDXXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX {$00.00} DEPTEDXXXX XXXX XXXX - XX/XX/XXXX - {$00.00} DEPTEDXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} DEPT OF EDUCATIONXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} DEPT OF EDUCATION/XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I am on the SAVE repayment plan with MOHELA for my federal student loans. On XX/XX/year>, I received a letter from MOHELA informing me that my loans were placed in a forbearance due to a judicial stay from a federal lawsuit. The letter stated that the interest would not accrue during the forbearance. However, my loans have continued to accrue interest. On XX/XX/scrub>XXXX I received another letter from MOHELA informing me that interest has been accruing and will continue to accrue while placed on this forbearance. Although the letter states that my interest rate is 0 %, interest has continue to accrue on my loans. I currently have interest on my loans because of this. Additionally, I have made payments since the forbearance started so I have already paid some interest because those payments were put toward the interest that erroneously accrued. MOHELA has not resolved this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have open an account with Conn 's and has set up auto payment. The account has been paid for and I chat with Conn 's customer service on XX/XX/2020. He assured me that it was wrong and has submit for closed account and all negative make on my credit report will be delete. However it still showed that my account is open and I am late on payment. I called again on XX/XX/2020 and got my case to escalate to revolved and provided me with ticket number. The representative said someone will call me back within 5 days to resolve the problem. Still no called and my credit report showed that I was 90 days late on account.
Product: Credit reporting, credit repair services, or other personal consumer reports

How did the student loans ended on my credit report? They do not have a place here. It could be that this creditor just made a mistake because the loan is in deferment. Please remove the multiple entries on student loan! US DEPT ED XXXX, XXXX XXXX, The following accounts do not reflect their accurate status. They were taken cared of. I paid them in full as agreed. It is not accurate, take them off XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following summary will detail my complaint of questionable/possibly illegal scoring practices by Experian Credit Bureau XXXX 
{ Date of Events } XX/XX/XXXX - Credit score increased from XXXX to a XXXX XXXX Credit score increased from XXXX to a XXXX XXXX Credit score dropped from a XXXX to a XXXX. This equates to a XXXX point drop in a single day. The reason stated was significant increase on a XXXX credit card. Usage went from below 3 % to 19.94 %. Also, all credit lines remained at 13 % usage. The credit usage for XXXX has since dropped back to 3 % usage. 

XX/XX/XXXX - XXXX XXXX increased from XXXX to XXXX. 

XX/XX/XXXX - XXXX XXXX decreased by 2 % despite the overall total credit usage remaining the same or lowered. 

Also, a XXXX XXXX line of credit was reported as a " XXXX XXXX '' in XXXX of XXXX through XXXX of XXXX was suggested as a reason for the drop. This information is false. I receive constant emails from Experian suggesting I participate in the Experian Boost program that would allow my on time household payments to positively impact my credit score. I have chosen to not participate in that program, not do I apply for the many credit cards Experian has matched me with. I suspect that the questionable/possibly illegal scoring practice is utilized to influence a consumer 's decision to participate in their suggested programs and/or apply for their suggested credit card recommendations for fear the significant drop in scores will continue. Please investigate this practice. It is alarming and may very well disproportionately impact people of color. I look forward to hearing back from you regarding this formal complaint. Thank you.
Product: Student loan

My student loan account has been inaccurate since the transition to a new servicer platform in XXXX and has only been getting worse despite multiple attempts to remediate. 
1. While my account was placed into forbearance during the transition, the information about automatic payments was unclear, and access to the new platform was restricted. This led to nonpayment and capitalized interest.

2. Despite consistently making timely payments, my account is marked as delinquent. Currently, it shows two months behind the last withdrawal from my bank account. Ive been told multiple times that it takes " a few days '' for updates but this months. 
3. I was placed into automatic forbearance due to inaccurate information provided by the team. Leading again to capitalized interest on my account.

4. My automatic payment amount and the allocation of those payments have been changed without my consent.

5. The wait times for assistance are unreasonable, sometimes lasting up to three hours, and Ive been disconnected without follow-up calls. Additionally, I receive messages through the website stating that I called, implying the issue has been resolved, which forces me to start the process over.

6. Email notifications arrive on weekends and holidays when I can't call for assistance, resulting in increased emotional distress.

This situation has persisted for over six months, encompassing XXXX phone calls and numerous messages. I have also reported this to Federal Student Aid in an attempt to connect directly with my provider. This experience is unfair and unjust. I signed up to pay my student loans and have been paying them. I have now accrued additional cost, emotional distress and delinquent credit marks through not fault of mine.
Product: Student loan

I received Paper Statements for my FedStudent Loans. The XXXX send me a MONTHLY BILL on XX/XX/XXXX for {$38.00}. { See the following : Last Payment Received XX/XX/XXXX Current Payment Due {$38.00} Total Due by XX/XX/2018 {$38.00} } I paid {$50.00} on XX/XX/XXXX as my Loan was due XX/XX/XXXX. 
On XX/XX/XXXX, I received a new MONTHLY BILL as following : Last Payment Received XX/XX/XXXX Amount Past Due {$8.00} Current Payment Due {$49.00} Total Due by XX/XX/XXXX {$57.00} In other words, FEDSTUDENT LOAN SERVICING PURPOUSLY MADE ME IN DEFAULD OF MY PAYMENT EVEN THEY DEFINED THE PAYMENT OF {$38.00} FOR XX/XX/XXXX and in XX/XX/XXXX, they sent me a statement I am in a Amount Past Due {$8.00}. Thus, in a requested payment of {$38.00} I paid {$50.00}. 

Sending one amount request, and then making the student to be in a past due, defiantly will reflect negatively on the student credit/scores upon reporting. Such error is inexcusable, and must be corrected.
Product: Debt collection

XXXX XXXX  XXXX XXXX sold my financial information to a collection agency named LVNV FUNDING LLC without my consent. This is identity theft. They are a third party debt collector. I do not have contract with them. LVNV FUNDING LLC has been collecting on a debt already paid. They have been reporting false information to consumer reporting agencies. Pursuant to 15 U.S. Code 6801 ( a ) ( 1 ) ( B ) ( i ), I did not give my permission to furnish my reports to any consumer reporting agencies.

Pursuant to 16 CFR 433.1, 433.2 and 433.3, I, as a debtor, am asserting my rights, the alleged debt was paid in full with my social security card which is a negotiable instrument. 16 CFR 433.2 ( a ) - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Mortgage

I previously had XXXX XXXX XXXX as my mortgage company but in 2015 after losing or misdirecting my 'pay in advance ' monthly payments - I asked permission to pay in advance and credited to payments and NOT principal. However, again they continued to misdirect or lose payments and actually put my house in foreclosure even that I was paid in advance by 2 or 3 months! Then to stop the ( BOGUS ) foreclosure I not only sent the excessive amount to stop the foreclosure- I had to send it TWICE because they credited the money to someone elses account! Now the new company Seterus continues to harass me with bogus charges for over {$1600.00} because they claim I dont have insurance on my house! I called my insurance company even sent them bills and they continue the harassment of either raising my monthly payments, not giving me credit for the monthly preprepayments and cashing XXXX checks they are n't entitled to to stop a foreclosure that is n't even valid because I paid months in advance my mortgage. I call XXXX, write and nothing is corrected and its cost me over {$5000.00}. just to Attempt TO STRAIGHTEN THINGS OUT - BUT ALL THEIR RESPONSE CLAIMS THEY DID NO WRONG AND THAT I SHOULD OF ASKED FOR PERMISSION ( WHICH I DID XXXX 2015 ) TO MAKE PREPAYMENTS TO MY MORTGAGE MONTHS IN ADVANCE )
Product: Credit card or prepaid card

On 5 different occasions during XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX American Express has allowed an unauthorized person to change the address on my account to an address beginning with XXXX XXXX XXXX . For reference, the rest of the address has been redacted on my online profile with American Express so I can not see a city, state, nor zip code. Not only has this been done without my consent but correspondence, including sensitive account information, has been sent to this address according to emails received from American Express. For the record, this address is not mine, has never been mine, nor do I know anyone at this address. I've attempted to work with American Express on securing my account and have spent countless hours doing so to no avail. I've suffered damages from this breach of privacy and plan on pursuing legal action against American Express.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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 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 have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Almost every day for the past month or so maybe almost 2 I have been receiving calls from Consumer Portfolio Services I know that its their job to get a hold of me but the first thing that they ask for is my SSN and I stated that I can not give it to them since I am in the center of my building that I ca n't say it out lound and I asked them to reach me on my mobile phone which they only tried once. Since then they call my work at least once a day if not twice. I just found out this morning that they some how got my Bosses home phone number. I have no idea how but at that point it seems like harassment to my boss and she has absolutely nothing to do with this debt collector or my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently recieved the results for a collection item ( XXXX XXXX XXXX ) on my credit report that does not beling to me. I've reached out to this company several times by mail and I've disputed this item regularly with Equifax credit bureau. Equifax still has not removed this item from my credit report. I mailed in a packet of documents proving to Equifax that the collections account with XXXX XXXX does not belong to me. Equifax sent me am email stating that they received my supporting documents on XX/XX/XXXX. Then Equifax somehow completed the investigation in 10 days after on XX/XX/XXXX. This was not sufficient time for them to review the documents because if they did they would have removed the account. I sent supporting documents showing that XXXX & XXXX have removed the XXXX XXXX accounts several months ago. Also XXXX has yet to produce a contract or any proof that the account is in fact mine. 
Today on XX/XX/XXXX I called Equifax at XXXX and a customer service agent with Eauifax claimed that he couldn't verify my account when I have a confirmation number from Equifax and none of my personal information has not changed. I spoke with the customer service agent 's supervisor named XXXX and he was able to verify my account. Although, the supervisor was helpful and clear about the dispute process. He was guarded and withholding actual details about my account and supoorting documentation proof that i mailed into Equifax. Please reach out to them and make sure they follow suite with XXXX & XXXX to Delete XXXX XXXX from my credit report.
Product: Payday loan, title loan, or personal loan

The company calls me everyday and leaves a message. They stop by everyday or everyother day and park in my driveway and knock on my door hard and leave notes! Are threatening in action, acting like thugs!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on an ongoing issue regarding the reporting of my payment history to the credit XXXX, XXXX and TransUnion credit bureau. For over one year, despite consistently paying my bills on time, my payment history has not been accurately reflected in my credit reports or my XXXX XXXX This discrepancy has negatively impacted my financial standing. 

I have previously submitted a complaint through the CFPB, which resulted in a temporary improvement to my XXXX XXXX XXXX score However, the underlying issue remains unresolved as my timely payments continue to go unreported.
Product: Credit reporting or other personal consumer reports

Requested verification from XXXX, XXXX and Experian. But I have yet to receive verification of the accounts.
Product: Payday loan, title loan, or personal loan

XXXX dollars for a XXXX dollar loan 780 percent interest
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block inc. ) due to inadequate customer service and fair practices, which violate 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 Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I don't want to see this anymore in my report.
Product: Debt collection

I tried to enroll in XXXX in XXXX. My Family paid for my fees by check. Later on I got a bill from Pathfinder Credit. We checked with the bank and sent a copy of the check we had paid with to XXXXXXXXXXXX. I asked to please stop all attempts to collect and remove it from my credit report since it was never owed. That was almost a year ago and its still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I used points to redeem a credit on my Capital One credit card to get ahead of my balance. Once I did this Capital One took me off auto pay without notification or authorization. This caused me to miss my XXXX and XXXX payments before I discovered it. The payments were immediately rectified from my end, but Capital One refused to correct the status of my account. This has led to a drop in my credit score over 80 points in the last 2 weeks. I have submitted disputes with Capital One, XXXX, XXXX and a complaint to the XXXX. Capital One has reached out twice since I submitted the XXXX  complaint but my case worker is not available when I call back. Messages have been left and I tried talking to other employees who told me they would notify her I called her back. Capital One needs to be held responsible for their unethical actions. They have thrown my current job search into chaos and I am having to explain their unethical business practices to everyone I am interviewing with.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX Shoes delinquent in payment is incorrect XX/XX/year> and XX/XX/scrub>XXXX XXXX XXXX
Product: Mortgage

Why is the CFPB inept at handling complaints against OCWEN? I am being forced to sign a modification in which I lose over $ 50k in equity - despite taking OCWEN to US District Court, our family does not have the resources to continue the effort so we have to settle! Where is CFPB in all of this?!? I have filed several complaints and have heard NOTHING.

OCWEN has violated our rights under nearly every piece of legislation out there including my protections while XXXX as a XXXX XXXX in a XXXX XXXX and their agreement with the 50 states. 

We can show that we made every payment early or on time, many times in excess of the amount owed. Despite this OCWEN has reported us late many times, including times that XXXX serviced the loan! 

OCWEN foreclosed on us TWICE concurrent with their own proffered modification process- in one case congratulating us for earning a modification and foreclosing on us ON THE SAME DAY!

After taking them to US District Court in Colorado they offered us another modification as a settlement. This modification seeks more money than we owed IN 2005. 

So- the wrecked our credit, cost us thousands in fees and damages credit, ruined our lives and our health, and CFPB does nothing. We really need your help NOW. We have ALL the proof, we can show their illegal and unethical practices using their own paperwork ... and weve done everything we can to bring these scoundrels to your attention and that of the State District Attorney.

But it doesnt matter if yall sit on your backsides and watch my family lose everything. Shame on you and XXXX your ineffective methods. I hope they erect a statue on the site of your building so I can at least have something tangible to look at and give me hope.
Product: Credit card

I had received several cash advances from my credit card company - Citibank. For each {$5000.00} cash advance withdrawal, I was charged ~ {$350.00} from the cash advance company for the transaction, plus ~ {$280.00} from my credit card company Citibank for transaction fee, plus ~ {$70.00} interest from my credit card company as well, even though my account had a negative balance where I overpaid my account. This came to a grand total of ~XXXX %. This is way excessive, given the amount of money, for each instance ( XXXX ). When I asked my credit card company Citibank for a refund of my fees, they said that I could not negotiate a better rate till after being a customer for 6 months. When I told them that my account had a negative balance where they owed me money, they said, interest is charged on the amount, regardless if my account is negative. This is starting to sound like a new XXXX XXXX Scam.