23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have had my credit monitoring account for 2 years and never had a problem with any alerts reported about my credit account. I received an alert back in XXXX of 2016 that XXXX inquiries had dropped off my report. As I have been monitoring my credit file within this last month the inquiries were added back to my credit file. I have called the credit bureaus as well as the credit reporting companies and I keep being told to by both companies to dispute the inquiries with the other. I was never notified in written about the inquiries being reinserted which is violation of the FCRA Part ( A ) ( 5 ) ( B ) ( ii ).
Product: Checking or savings account

I send {$2000.00} thought XXXX to my coworker on XX/XX/year>. After XXXX months i see it post the name XXXX XXXX and i didnt know thats my coworkers XXXX name. I call bank to tell them i dont recognize the transaction and requested to dispute the charge. The next day i back to work and my coworker ask me why i charge it back then i knew thats his XXXX name. Then i called capital one bank and told them Im really sorry about the mistake i made and ask them to cancel the dispute claim case. But on XX/XX/year> capital one bank charge money back from XXXX XXXX XXXX checking account and money never back to my account. I contact capital one and agent told me money was in XXXX bank account. XXXX and me went to capital one bank and XXXX showed his bank statement to banker. And banker checked my bank account and told me money is not in my account and she also called capital one agent to tell the detail. Then capital one request me to reach to chase and i went to XXXX XXXX with XXXX. They have statement shows capital one charge back {$2000.00} already but capital one still told me money is in XXXX account. I contact agent many times before and they told me someone will contact me bank for update but no one contact me back and no one take care the case.i know this charge was too long time ago but its because capital one agent always said they will take care the case and keep asking me to wait. Please give me a help. Appreciate it. Thank you so much
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$12000.00} This company has willingly and knowingly violated my rights as a consumer. This company is in violation of the Fair Credit Reporting Act and theXX/XX/XXXXXXXX. Violations of the XXXX XXXX for non-compliance can result in fines up to {$100000.00} per each violation for financial institutions.With that being said this company along with Experian, XXXX, and Experian have been notified of the violations by me and no action has been taking. I am depending on the CFPB to make sure action is taking and to show these companies, organizations and institutions that they are not above the law. 

Under the XXXX XXXX XXXX U.SC. 6801 et seq. also known as the XXXX XX/XX/XXXX Act of 1999, I the consumer should be giving the option to opt out of my nonpublic personal information being reported to or with non-affiliated third parties. The opt-out notice must be must be explained clearly by financial institutions and provided in writing at the time of an in-person transaction and electronically for a online transaction. 

This option was NEVER provided to me! I request that this account be deleted and no longer be reported on my credit report.
Product: Mortgage

I have a mortgage equity loan with Bank of America on a home I 've owned since XX/XX/XXXX. There has been an unexplained fee on my account since XX/XX/XXXX, when I avoided losing my home to the bank through my state 's mortgage mediation program. Although the bank representative assigned to my loan at the time never returned any of my calls, I 've kept paying on the loan. In XX/XX/XXXX, I finally wrote the bank requesting an explanation and itemization of all the fees I 've been charged and all the payments I 've made. However, the bank never responded to my letter. 
I thought that by putting my request in writing, the bank would explain what the questionable fee is ; it does n't seem to be based on the loan 's interest rates or principle. I also wanted to know if my payment records coincided with the bank 's records, which the statements do n't seem to show. My monthly payments currently are only on the loan 's interest and just slightly above the minimum rate. However, I do n't know how the bank is applying my monthly payments to the loan, the principle of which is substantial. The interest rates on this equity loan are relatively low, but my payments do n't seem to be reducing this portion of the debt. 
The fee in question used to average about {$1200.00} on each statement. However, my XXXX XXXX statement shows a {$310.00} increase over last month 's fee ; the fee rose from {$1200.00} in XXXX XXXX to {$1500.00}. My XXXX XXXX statement shows that the fee now is up to {$1800.00}. With these sudden {$300.00} increases a month, I will soon owe the bank thousands of dollars on an unexplained fee that I ca n't afford to pay. 
Also, each of my mortgage statements now includes a notice that the bank has not received the previous month 's payment. Each monthly payment has posted to my checking account ; therefore, the bank is receiving and accepting my money. 
A generic message on the statement now threatens to notify the credit bureaus of delinquent payments. By the bank claiming that it 's not receiving previous monthly payments, it can report this false information to the credit bureaus and eventually foreclose on my home again. 
I am requesting the following information : 1. What the unexplained fee is for 2. Why the unexplained fee is now rising significantly each month 3. Why the bank claims on each of my statements that it has n't received the previous month 's payment 4. Whether the bank is applying my monthly payments to the loan I will provide any additional information needed to help resolve this issue. A fair solution would be for the bank to answer the questions outlined above and to waive the unexplained fee. 
I have attached a copy of the following : 1. XXXX XXXX statement 2. XXXX XXXX statement 3. XXXX letter to the bank I appreciate any help the CFPB can provide.
Product: Debt collection

Please see all attached documents that proves my case. Here are the facts. Holloway Credit Solutions reported a collection account from XXXX and XXXX on my credit report that I noticed in XX/XX/2021. The company sent me a letter notifying me of this debt with a right to dispute the validity of the debt within 30 days from the date of the letter, which was dated XX/XX/2021. Take note of the dates. The company reported this account on my credit report BEFORE sending me the required notice to dispute the account, which is completely against the law. I have already filed a dispute about this and the company is STILL reporting this account on my credit report in violation. See the attached document where the company admits the first contact being in XX/XX/2021 AFTER they reported the account on my credit report in XX/XX/2021. I also attached a document showing the date the account was reported on my credit report in XX/XX/2021.
Product: Debt collection

As of XXXX XXXX, 2019, I have been contacted nearly ten times since XXXX XXXX, 2019, a span of a little over a week. I never answer these calls as my phone carrier has flagged them as spam. Each time they call, sometimes multiple times a day, they leave voicemails that are over ten minutes long. This practice is not only annoying, but illegal as per the Fair Debt Collection Practices Act ( FDCPA ) 1692-1692p.806.5, which defines harassment as " causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. '' At this time, I am disputing the debt collection practices this company employs as it is harassment, requesting debt validated, and taking the matter up with original creditor, should I be provided with their information in a timely manner. I will take legal action if need be.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was breached and leaked out to the public and someone is trying to apply for credit and placed lots of inquiries on my credit report XXXX stated to me that they have never received my information when it was received by mail and tracked that XXXX received my information and lost it I have been in a emotionally distressed state and I seek to file a lawsuit if this situation is not resolved I request all 3 credit companies update my information and make corrections
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery Systems at XXXX is reporting on a settled debt on my account and demanded XXXX to stop reporting on it and they do not own this debt. The debt was sold from XXXX to XXXX XXXX XXXX and they have also tried reaching out to Midwest recovery systems telling them they should not be reporting and this account has been settled in full. Midwest told me they would not remove reporting of this debt they do not own unless I give them 1600+ dollars.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I request that the following accounts be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts have been compromised or fraudulently opened as a result of the breach. 
The affected accounts are as follows : Account Information : XXXX XXXX XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$1200.00} XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Amount : {$1900.00} Inquiry Information : XXXX Date : XX/XX/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 Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am challenging four different reports of late payment and one report of a " write off '' from XXXX when the loan is current and I've not stopped making payments. 

I'm filing this complaint against EQUIFAX, XXXX AND XXXX XXXX XXXX. Im disputing the WRITE OFF and the two late payments XXXX  XXXX and XXXX. I am current with their collections department, 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

XXXX is the only one that 's right the other XXXX have incorrect information on them. I am tired of trying to get the old information off my credit report. Most of the stuff that appears if before 2010 and has resold to other collection companies.
Product: Student loan

As student loan payments and interest were set to resume on XX/XX/XXXX, I applied for the new SAVE Plan in XXXX which ensures any unpaid interest does NOT capitalize onto the principal balance. NELNET has still not processed my application, although it reported to the government that it did, and in the meantime has continued to charge interest and capitalize it onto my principal balance, growing my loan by about {$1000.00} per month! I specifically requested an extension of the Administrative Forbearance during the application processing period, which was granted by NELNET, and then removed without my authorization, without cause, and without explanation two days later.

The government 's guidance has been clear : administrative forbearance is extended for at least 6 months from XX/XX/XXXX to allow servicers to process applications and no interest should accrue during that time so long as a loan holder applied for the SAVE Plan. From the studentaid.gov website : " However, no interest will capitalize until at least 6 months after the payment pause. '' " As of XX/XX/XXXX, unpaid interest on your loans wont be added to your principal when you leave any IDR plan, except the Income-Based Repayment ( IBR ) Plan ( where capitalization is required by statute ). '' " If you applied for the SAVE Plan close to your bill date or before your required payment due date, your servicer will place you in a forbearance status for the upcoming billing cycle while they process your application so that you do not pay more than you need to. Your servicer will also place you in forbearance if they can not process your application before these dates. '' I have spent countless hours on hold with NELNET only to be told there is nothing they will do to fix the problem and I will accrue interest until they are done processing my application, which could take months.
Product: Payday loan, title loan, or personal loan

I had a debit card on file for a line of credit @ XXXX XXXX in XXXX Tennessee.I become behind & they called and explained that it didnt go thru on my card.They then told me to pay in person what was owed..in the meanwhile they took TWO payments out of my acct then attempted another..When i addressed this.They sd they can pull the payments whenever they chose to since it was now behind. Now my acct is minus bc of not knowing the Exact day it was coming out plus they sent more then one payment thru along with my other bills trying to go thru. My acct is now minus and i accumulated all kinds of fee for overdrawing ect..Again this was in XXXX XXXX XXXX
Product: Student loan

I received a bill dated XX/XX/XXXX from myfedloan stating I owed {$290.00} on XX/XX/XXXX. The breakdown of that bill is as follows : Loan Disbursed XX/XX/XXXX current due amount of {$73.00}. 
Loan Disbursed  XX/XX/XXXX current due amount of {$69.00}. 
Loan Disbursed  XX/XX/XXXX current due amount of {$43.00}. 
Loan Disbursed  XX/XX/XXXX current due amount of {$0.00}. 
Loan Disbursed  XX/XX/XXXX current due amount of {$100.00}. 
Loan Disbursed  XX/XX/XXXX current due amount of {$0.00}. 

On XX/XX/XXXX I made a payment of {$330.00}. The break down of that payment is as follows : Loan Disbursed XX/XX/XXXX payment of {$73.00}. 
Loan Disbursed  XX/XX/XXXX payment of {$69.00}. 
Loan Disbursed  XX/XX/XXXX payment of {$43.00}. 
Loan Disbursed  XX/XX/XXXX payment of {$0.00}. 
Loan Disbursed XX/XX/XXXX payment of {$100.00}. 
Loan Disbursed  XX/XX/XXXX payment of {$39.00}. 

ON XX/XX/XXXX I logged into my online account and saw a warning message informing me that my loan which originated on XX/XX/XXXX for an initial amount of {$2300.00} was past due. The bill I received said that I did not need to make a payment as it had my current amount due at {$0.00} so I did not make a payment toward that loan. 

I called myfedloan on XX/XX/XXXX and spoke with a male representative who told me that I was past due and I needed to submit a payment of {$47.00}. He could not explain to me how this loan went from being paid ahead to past due. After I hung up with him I submitted an additional payment of {$47.00} to Loan Disbursed XX/XX/XXXX to avoid a negative mark on my credit report. 

I received a letter dated XX/XX/XXXX from myfedload stating that my loan terms had changed and that I was no longer on the Graduated repayment plan, but moved to the Standard repayment plan. I never requested or agreed to this change in my loan terms. 

On XX/XX/XXXX I called myfedloan and spoke with XXXX employee ID XXXX at extension XXXX. I asked her to explain to me why my term loan had changed. She was unable to figure out why the terms had changed on the 57 minute call. She told me she would research and call me on XX/XX/XXXX. I did not receive a call. 

On XX/XX/XXXX I called XXXX and ask her to explain to my why my loan had changed. She stated that it had changed because I was paying ahead on my loan and the system automatically changed my loan terms. I asked her to provide me with any documentation or proof that showed I agreed to allow for my payment plan to be changed. She stated she would email this to me. I currently awaititing for this email. 

I never agreed to change my loan repayment plan. I was never made aware that my loan could autmatically change repayment terms if you pay ahead on your loans. 

My loan repayment plan should have never changed. I would like my repayment plan to be reverted back to the original agreement I approved of which was a Graduated repayment plan.
Product: Credit reporting or other personal consumer reports

I have hard inquires ( negatively affecting credit ) on my credit report that are fraudulent from the following two companies : " XXXX XXXX '' and " Citibank/Home Depot . '' Associated with XXXX and XXXX, respectively. 

I have filed a police report, a complaint with the FTC, and now with the CFPB. I've had success getting 1/3 credit bureaus ( XXXX ) to remove these inquires. The other two ( XXXX and XXXX ) will not. I have talked with both companies and both credit bureaus to no avail. Each one says to go through the other. The companies say that there is " no account '' despite the fact that there doesn't have to be with an " inquiry. '' With that, they " can not and will not '' reach out to the credit bureaus to remove these inquires. I find this hard to believe given they reported the inquiry in the first place. 

On the other hand, the bureaus request that the companies do this. I have provided them with the police report, FTC complaint, XXXX  letter removing the inquiry ( why can't you do the same given the law? ), letters from the companies showing inaccurate information not related to me, and even used a credit protection service via a 3-way call. 

This is insanity. Why can't these FRAUDULENT inquires be removed?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 44 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report promptly. Therefore I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was impacted by the data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

on XX/XX/2021, i sent MERCHANTS ADJUSTMENT SERVICE, INC my second letter regarding the alleged debts of {$100.00} and {$150.00} that i don't owe. i haven't received anything from the last letters as well from XX/XX/2021 XXXX # XXXX XXXX XXXX XXXX XXXX. I would like for it to be delete it from my credit report.
Product: Credit card or prepaid card

The cards I purchased had 150.00 and 50.00 and I already sent in proof of the amount on the cards and the receipts and didn't register the card and the one card has a negative balance and don't have any idea why
Product: Debt collection

15 USC 1681 Section 602 States That I Have The Right To Privacy. 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish my account without my instructions. 15 USC 1666B : A creditor Can not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries on my credit report that I did not authorize. I have attached my driver 's license and my identity theft affidavit to this complaint. The following inquiries that need to be removed are below : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ),  XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, 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 card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BK OF AMER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Mortgage

I overpaid my XX/XX/2019 mortgage payment. I made two XX/XX/2019, mortgage payments ; {$750.00} received and posted by Provident Funding on XX/XX/2019 and {$800.00} received and posted by Provident Funding on XX/XX/2019, both payments made via ( XXXX XXXX XXXX ), ACH. I requested in writing on XX/XX/2019, to Provident Funding a return of one over- payment. Provident Funding refused to return my over-payment until I submitted verification that both payments cleared my bank and further, that I had a positive balance in my bank account. It was only after repeated request to return my over-payment and after holding my posted and cleared funds for 10 days, did I get a communication from Provident Funding that my over-payment would be returned. I also asked Provident Funding to transfer my account to another mortgage service provider. They denied my request. I no longer have confidence in Provident Funding to be a creditable or fair mortgage serving provider and wish to be associated with a more reputable financial institution.

XXXX XXXXl
Product: Debt collection

I was in deferment and was not making payments due to my financial issues. At no point did I receive any type of notification that I was no longer in deferment and my ENTIRE XX/XX/2017 tax return was taken from me without any notice.
Product: Credit reporting or other personal consumer reports

I have tried dispute errors on all three Credit Companies Experian, XXXX and XXXX and none of them are actually fixing the errors on my credit reports. 
XXXX XXXX {$480.00} XXXX XXXX {$990.00} XXXX XXXX {$240.00} XXXX XXXX XXXX {$26.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$480.00}
Product: Student loan

This loan goes back to XXXX when I became homeless, and lost my job due to XXXX XXXX in XXXX. I have a balance of {$20000.00} I believe, I am currently in XXXX school and I received a call from ACS, I told them that I am in school and my loan should be in deferment. XXXX XXXX XXXX has posted the information to the XXXX XXXX where XXXX XXXX my present loan servicer was able to access the information. If I am in school am I supposed to have the XXXX school send information to ACS directly, or is it their responsibility to get the information from the XXXX XXXX? 

I do not want them to adversely affect my credit because of this. 

Please let me know what my options are?