23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my ( XXXX XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Product: Debt collection

At this time The credit clearinghouse is currently in the process of taking me to court for a judgment on the behalf of XXXX XXXX XXXX. XXXX XXXX XXXX had threatened me with legal action in regards to funds that were placed in their financial institution when i was a victim of Theft by Deception under the premise of successfully gain employment. Due to the theft by deception i was not able to secure employment. I was told that a police report could be used to help remedy the situation/ Please review the attached police report for more information. Half of the balance that was owed has been paid and i was unable to continue payments due to being underemployed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report, as I am a victim of a data breach that has resulted in unauthorized activity. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these accounts removed from my credit file.

Accounts to Block and Delete : XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$5300.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$4400.00} XXXX. XXXX XXXX XXXX  - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$14000.00} XXXX. XXXX - Account XXXX : XXXX - XXXX : XX/XX/XXXX - Balance : {$7800.00} XXXX. XXXXXXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$8500.00} XXXX. XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$5100.00} XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$12000.00} XXXX. XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$4600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports and saw that the payment history was different on all 3 reports for my credit card which is a violation to the FCRA. I Immediately informed the bureaus but they did nothing to resolve the issue.
Product: Credit reporting or other personal consumer reports

I have collections on my account that im not aware of.
Product: Mortgage

I bought house last year from XXXX, initially financed by XXXX XXXX. 
I put down 20 % down payment XXXX then transferred loan to Loancare LLC who then charged me extra {$500.00} a month for escrow. Meanwhile, I am already paying {$500.00}, thereby making it a {$1000.00} escrow payment each month. 
The company hasn't given me a proof as to why are they are justified to collect 2x my escrow amount. 
I have called the company 4 x and gotten conflicting information. One of their agents was surprised this was going on with me and the company wont let me not escrow my account.
Product: Credit reporting or other personal consumer reports

I am a victim of Data Breach and Identity Theft. 
Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 
1681c-2. '' XXXX XXXX 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 or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end. I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things ; DELETE THESE THINGS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX AND ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, l will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely XXXX ; XXXX XXXX All Rights Reserved Without Prejudice
Product: Credit card or prepaid card

This is concerning AMEX credit card practice of charging " Trailing Interest ''. This practice charges interest on a monetary debt that is has been paid. I was charge interest XX/XX/XXXX - XX/XX/XXXX for a debt that had been paid on XX/XX/XXXX. How is it legal to charge interest on money that is no longer a debt? 

XX/XX/XXXX charge balance due. 
XX/XX/XXXX balance paid in full. ( less than 24 hrs late ) XX/XX/XXXX AMEX interest of {$69.00} was added to my account for XXXX charges. 
XX/XX/XXXX balance paid in full ( including XXXX interest charges ) XX/XX/XXXX balance was due ( but already paid ). 
XX/XX/XXXX AMEX interest of {$46.00} was added to my account as " Trailing Interest ''. 

AMEX claims this Trailing Interest is for the carrying over of a balance, but I only carried over 1 day ... ..SO HOW DO THEY GET TO CHARGE ME FOR THE OTHER 22 DAYS?
Product: Debt collection

The company FBCS Inc had sent me a letter dated XX/XX/2018. This letter is an offer to pay a debt at a reduced amount. Their offer is to pay a debt at a 80 % percent discount. I do believe that this debt amount at no matter what their letter states is incorrect. Also I believe this debt is to old to be listed upon any of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX  XXXX : XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I applied for and was accepted into the Public Service Loan Forgiveness program in XX/XX/2006. I complied with the instructions given to me. I have been in public service since XX/XX/2006. I've been informed that my payments have not counted toward the PSLF program based on several factors, one of which is that I was not in a qualifying repayment program. I was never informed of which repayment program I needed to be in or that my payments were not counting toward the PSLF program. I have had my employment certified the entire time and made all payments as required by my servicer in full. I feel this denial is completely ridiculous and fraudulent. I have complied with all known requirements and the balance of my loans should be forgiven as represented to me. The claim that I did not make my entire payment at any time is incorrect. I have always paid the full amount due. I have more documentation if needed. I have tried to rectify this with the loan servicer, XXXX XXXX, on numerous occasions.
Product: Debt collection

TRANSWORLD Systems Inc. has my nonpublic personal information without my knowledge, consent, authorization. They are committing identity theft and I will be submitting a report and complaint to the FTC. TRANSWORLD Systems Inc is attempting to extort me for payment. I never did business with them and I do not know who they are. There are no contracts between me and them and they are violating the Fair Debt Collection Practices Act. They are also violating the holder in due course clause pursuant to Uniform Commercial Code 3-302 ( a ) ( 2 ).

My privacy has been invaded.
Product: Debt collection

Please review attached documentation. Capital One has violated me as a federally protected consumer under the provisions of 15 USC 1692.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been comprised due to identity theft. I don't know how the theif was able to gain access to my personal information and use my name without me knowing about it. I'm getting threats from people I don't know and it frightens me. However, due to covid and other stress I'm dealing with in life this makes me even more stressed out. I did all i can do after I went to the police and file a report about this when I found out.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that does not belong to me and I need this information fixed to prevent further identity theft. I have been a victim of identity theft, thus note the IP PIN I have to use not just to file my taxes.
Product: Payday loan, title loan, personal loan, or advance loan

I am reaching out to request your intervention in a matter that is critically impacting my financial health. 

Account Details : Creditor : One Main Balance : {$10000.00} Account Number : XXXX One Main has written off the debt, which should be to my benefit. However, the continued reporting of this debt on my credit report is unjustly affecting my credit score and, by extension, my ability to secure employment, obtain loans, and find suitable housing. 

This issue transcends a mere reporting error and reflects a pattern of unfair financial reporting practices. The persistence of this negative entry on my credit report, despite the debt being written off, is causing significant distress and is an obstacle to my financial advancement. 

I kindly urge the CFPB to review the reporting practices of One Main and to facilitate the expeditious removal of this entry from my credit report. 

Your prompt attention to this pressing issue would be greatly appreciated.
Product: Checking or savings account

On We recently filed a complaint with you No. XXXX against XXXX. Approximately one year ago we erroneously made a {$50000.00} payment through our Wells Fargo Bill Pay online to a closed XXXX Mortgage account. Wells Fargo said they sent it electronically and XXXX said they never received it. Both companies are denying liability and claim they are not responsible. I am again attaching proof provided to me by Wells Fargo that the payment was sent. This is such a large amount of money and Wells should be able to provide us with proof that the money was sent electronically, to what account and proof that is was accepted. We desperately need relief and would be grateful for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting agency response is that an item has been verified. I reached out to the the Bankruptcy court and they verified that they do not release any information regarding bankruptcy to credit agencies. It is also listed on their website. This is fraudulent behavior on behalf of the credit agencies.because I did not authorize or consent to my information being shared or given. 
I spoke with the AZ court clerk named XXXX and she confirmed they do not release this information to credit agencies. And she walked me to the official site that says the same.
Product: Credit reporting or other personal consumer reports

I attempted to cash a fake check with my XXXX XXXX XXXX bank account and it was closed because it wasn't a real check I tried to cash in a check from a scammer that I thought was a check from the college I was attending. The scammer was able to send the check to my address by posing as a fake job opportunity that required information such as my age, address, email, and social security number in order for me to apply. After receiving an outside perspective on whether this job opportunity was real because I was skeptical, the outside perspective was able to deduce that the job opportunity was a scam and I blocked them. Unfortunately, I blocked them after I had already sent my information. The check was sent to me weeks after I applied to the fake job opportunity and I was led to believe it was a financial aid refund check from my school by my older sister when I wondered why I was receiving a check. I wasn't able to tie two and two together that the check wasn't from the college I was attending because they would have communicated that. I also believed that the scammer situation was behind me since I had blocked them so I wasn't thinking that this could have been a scammer 's check. 
Months after my college checking account was closed, I attempted to open another account and that is how I found out that I was reported to Experian, the credit reporting company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to the fair credit reporting act XXXX XXXX Account # XXXX violated my rights 15 usc 1681 section 602 A. I have a right to privacy 15 usc 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report
Product: Debt collection

This company called Convergent Outsourcing keeps calling and sending letters. They claim to be debt collecting for XXXX and I have never even had a XXXXXXXX XXXX I read several other reports claiming the same issue on XXXX XXXX. If XXXX allows people to start an account with just a name and address without giving a credit card, couldnt anyones identity be used?!
Product: Mortgage

We made payment on our loan and out of {$320.00} payment only {$7.00} goes toward the principal and the rest goes towards interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX, XXXX. XXXX
Product: Credit reporting or other personal consumer reports

Unfortunately CFPB does not have a category for unfair credit reporting practices by credit reporting companies so I selected this category. TransUnion has recently lowered my credit score because I paid off my car loan. Shouldnt it be the other way around? I have now have less debt. The reasoning seems to be that that credit reporting companies would like to see accounts remain active but this is not a revolving credit account. It seems Credit Reporting companies will use any information to lower consumers credit scores.
Product: Debt collection

XXXX XXXX  billing department representative passed the statute of limitations for billing my dental insurance. There are dates that the billing department representative billed the wrong insurance company : XX/XX/XXXX to XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( insurance coverage - primary ) Billed XXXX XXXX on XX/XX/XXXX for following amounts ( {$400.00}, {$370.00}, {$370.00}, and {$200.00} Additional coverage was with XXXX as well during this time but I had a Federal plan from XX/XX/XXXX to XX/XX/XXXX ( insurance coverage-secondary ) Billed XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX {$64.00} XX/XX/XXXX XXXX XXXX and XXXX {$180.00} My copay was XX/XX/XXXX for {$28.00}, XX/XX/XXXX {$55.00}, and XX/XX/XXXX {$83.00}. 

XXXX XXXX XXXX was my secondary and they paid for my copay which is correct on XX/XX/XXXX {$28.00} and XX/XX/XXXX {$83.00} Lastly, as a military   member if I am on XXXX XXXX per XXXX receiving XXXX   care, I can not be billed during that time. I was on XXXX XXXX orders. 

I also had XXXX XXXX  insurance. I changed to due to better options. 

The billing representative verbally stated to me that I had so many insurances. However she does pre authorization especially for my personal XXXX  plans so I can know what my copay is. This is part of the scheduling process. Approval has to be made to ensure the insurance will cover it or the expense will be on the fault of the patient. 

I personally contacted the XXXX  plans and they did see where billing came to there office but it passed the statute of limitations due to it originally arriving at the wrong location.
Product: Debt collection

Submitted a request to stop communicating and to stop calling me they havent stopped and they also call after hours. They keep calling me at XXXX or XXXX XXXX at night. They are called Midland credit management. 
They have called XXXX times this week on Monday the XXXX of XXXX at XXXX Tuesday the XXXX of XXXX at XXXX XXXX Wednesday the XXXX if XXXX at XXXX XXXX I will take legal action if it doesnt stop.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XX/XX/2023
Product: Student loan

These loans from XXXX University are in violation of the Consumer Protection Laws and the holder rule. 
These private loans should have been included in my U.S. Department of Education Borrowers Discharge. I have a full discharge for all loans with XXXX University and these loans are from there. The discharge should include all loans, including the private loans that were taken out with XXXX University. Currently NaviRefi has {$73000.00} in loans that are being repaid by me and should be included in this discharge. There was over $ XXXX that should be included in my Borrower Discharge. I requested NaviRefi discharge my loans and refund me all payments that have been made. XX/XX/XXXX Borrower Defense Application # : XXXX Borrower Defense Application School : XXXX University Approval of Your Borrower Defense Case Under Exhibit C of the XXXX XXXX XXXX  XXXX Dear XXXX : You are receiving this letter because you are a member of the class of federal student loan borrowers covered by the recent settlement of the XXXX XXXX XXXXXXXX ( XXXX XXXX '' ) lawsuit. You submitted a Borrower Defense to Repayment discharge application relating to your federal student loan ( s ) on or before XX/XX/XXXX, and you attended a school listed on Exhibit C ( " School '' ) of the settlement agreement. Pursuant to the Sweet settlement, the Department of Education will do the following : discharge your federal student loan ( XXXX ) taken out for your enrollment in the XXXX University ( " Relevant Federal Student Loan ( XXXX ) '' ) ; provide a refund for any payments made to the Department of Education on your Relevant Federal Student Loan ( XXXX ), including Relevant Federal Student Loan debt that you previously paid off ; and delete the credit report tradeline associated with the discharged loan ( s ). The benefits described in this message apply to your Relevant Federal Student Loan ( XXXX ). The benefits do not apply to private loans. The discharge of your Relevant Federal Student Loan ( XXXX ) means that you will no longer owe the debt. You also may receive a refund for prior payments made to the Department on your discharged loan ( XXXX ) related to XXXX University. Your loan servicer will let you know if you are eligible for a payment refund, which would be mailed to you. Please check your online account with your loan servicer to ensure your address is correct so you can receive any refund. Other than confirming your address, you do not have to take any further action to receive your discharge. Your servicer will send you more details about the discharge, including which loans will be forgiven. Your Relevant Federal Student Loan debt will remain in forbearance and collections will be stopped until you receive relief. Your credit report will also be updated to reflect this discharge when it is complete. If you have questions about this notice, please call our borrower defense hotline at XXXX from XXXX ET on Monday-Friday or from XXXX ET on Saturday or Sunday. Sincerely, XXXX XXXX Chief Operating Officer Federal Student Aid XXXX XXXX XXXX, XXXX, Washington, XXXX XXXX StudentAid.gov/XXXX