23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Pursuant to 15 USC 1605 ( a ) the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. Cash should not be included in a finance charge it should be all credit INTERCONTINENTAL CAPITAL GROUP has taken over {$120000.00} in federal reserve notes as a downpayment and many other fees. Adding on INTERCONTINENTAL CAPITAL GROUP has not included insurance under 15 USC 1605b ( 1 ) which should have been included in the finance charge which makes them criminally liable under 15 USC 1611 for taking downpayment many other fees and not including my insurance in the finance charge. INTERCONTINENTAL CAPITAL GROUP has to return twice the finance charge. Pursuant to 7 CFR 1436.10 ( c ) the down payment may not include any trade-in, discount, rebate, credit, deferred payment, postdated check, or promissory note to the supplier or contractor INTERCONTINENTAL CAPITAL GROUP has received promissory notes
Product: Credit reporting or other personal consumer reports

Im very upset to see that my credit report has an account on it thats completely incorrect or not mine.
Product: Credit reporting or other personal consumer reports

This goes against Navient. I submitted a complaint through CFPB with claim number XXXX regarding Navient 's total disregard and faulty processing of deferment applications recently. 

I applied for XXXXXXXX XXXX XXXX XXXXXXXX discharge for several different federal student loans. My loans for this complaint are under Navient ( the holder ). They were notified middle of XX/XX/year>. I called XXXX and spoke to XXXX ( Navient CSR ) on XX/XX/year> at XXXX. She confirmed Navient received the discharge notice on XX/XX/year> and Navient is processing the discharge approval at this time. This was also confirmed by a supervisor named XXXX, As of XX/XX/year>, Navient still shows I have an application pending for an alternative repayment plan. Navient still shows a current loan balance of {$110000.00} and a due date of XX/XX/year>. By looking at the XXXX  approval notice, under the Navient first listing for & XXXX the following XXXX holder names listed as NOT AVAILABLE is also Navient for {$6700.00} and {$4100.00} which is the total under Navient 's ALL LOAN DETAIL summary for XXXX CONSOLIDATION total {$10000.00} and XXXX CONSOLIDATION totaling {$100.00}, XXXX. Navient still is showing up on all XXXX credit bureaus as of XX/XX/year>. 

There should be XXXX reason as to why Navient is still processing the XXXX  discharge approval notice sent and received by XX/XX/year>. 

Due to the recent lawsuit with CFPB and Navient and the final discussion for Navient to settle with their loan customers, I would like CFPB to notify Navient to process and report the XXXX  discharge approval immediately to all main credit bureaus including the smaller ones. 

attached is the following : XXXX. XXXX XXXX discharge approval dated XX/XX/year> XXXX. CFPB Complaint XXXX with responses XXXX. Navient account summary with notes of customer service regarding processing XXXX  XXXX. Navient account summary as of XX/XX/year> XXXX. Navient all loan details as of XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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 XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the handling of my recent complaint, CFPB Complaint # XXXX, filed on XX/XX/year>. My name is XXXX XXXX, and the issue concerns incorrect information on my personal consumer report. 

Despite my dispute, Experian has not properly investigated the matter, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ). As of XX/XX/year>, the company 's response is still in progress, and I have not received a satisfactory resolution. 

I request that Experian conduct a thorough and accurate investigation of my dispute and correct the incorrect information on my report promptly. Failure to do so will compel me to seek further action to protect my rights. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX pulled a copy of my credit report and noticed the collection. I requested that the credit bureaus remove. XXXX and XXXX has deleted this collection, however Equifax has not only failed to do so but the debt is being reported twice causing double the impact to my credit worthiness. I have requested several times that the this bureaus provide physical verification that this debt has been verified and as of date they failed to do so. Whereas other bureaus have deleted. 


On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, on XXXX/XXXX/XXXX Request to reinvestigate with Equifax and provide physical verification. Documentation will be attached. 

Also sent request directly to XXXX XXXX to validate this debt and no response as of date.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1800.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1800.00} Account Name : XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$210.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$130.00} Account Name : XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$210.00} Account Name : XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 

- XXXX XXXX XXXX account # XXXX -XXXX XXXX account # XXXX -XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX -XXXX XXXX XXXX account XXXX XXXX -XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

I never received the loan so when I tried to apply years later I am told that I am eligible to ever receive a loan for to past loan account. I believe this is why I can't get a loan thru other companies also.
Product: Mortgage

On XXXX XXXX XX/XX/XXXX after several months of paperwork we closed on our home with XXXX WHOLESALE CORPORATION. I was asked to sign hundreds of papers with little or no time to review any of them. At that moment I was pressured to get the closing done. We provided 10 % of the value of our home and our mortgage was {$1400.00} plus a MIP of {$390.00} or {$1800.00} per month with an interest rate of 2.5 %. By the end of the fifth year payments blew up to {$2800.00} plus {$390.00} of MIP to {$3200.00} per month. Just the mortgage grew 127.20 %. 
During that process XXXX sold our mortgage to several other banks including CountryWide Home Loans and Bank of America. 
Before the 127.20 % increase in our mortgage payment came through we requested Bank of America to refinance and their response every time was " you are paying on time we ca n't help you ''. We kept on calling until XXXX Bank of America representative stated that the reason they were unable to help us was because we were current with our payments and we needed to be in default for them to be able to help ''. 
Based on those instructions we defaulted and 60 days later re-applied through the Home Affordable Refinance Act XXXX times. Even thou we fulfilled 100 % of the criteria BOA refused to refinance and proceeded with a foreclosure. 
Since we found the whole situation building up against us we hired an attorney and we did a compliance stress test of our mortgage with a certified reputable Loan Analyst for the RESPA and TILA and the result stated that the mortgage generator and its successors violated many RESPA and TILA federal and state statutes. 
We filed a counter claim at the court stating that not only the mortgage note are unforceable due to direct violations of TILA but also of the HOEPA and failed to deliver a notice of acceleration to us the homeowners violating the Federal Debt Collection Practices Act and also Bank of America breached the mortgage agreement by force placed insurance in an amount in excess of that required under the mortgage. The mortgage also understated the finance charges and annual percentage rate violating the Truth in Lending Disclosure Statement at the time of closing. 
To top all that we requested a Home Equity Line of Credit for {$100000.00} which Bank of America provided even though our home did n't have enough equity. Throwout the life of the HELOC we paid it in full several times and Bank of America kept on lending us money even there was not equity to support that loan also known as predatory lending practices. 
Even after Bank of America tries to foreclose in our primary residency and put our family on the street, we made and arrangement to pay the {$110000.00} HELOC and we satisfied that mortgage on XXXX XXXX XX/XX/XXXX
Product: Debt collection

I Have Been A Victims Of Identity Theft upon getting denied a credit union. I have reviewed my credit reports, and I have accounts that were opened in my name, Debt collectors mailing me stuff in the mail. I lost my social security card and drivers license on approx XX/XX/XXXX, Since then I have reported the identity theft to the social security administration and got a new drivers license, the accounts that are identity theft I will list below XXXX 1 ) XXXX XXXX XXXX opened on or about XX/XX/XXXX 2 ) XXXX XXXX XXXX opened on or about XX/XX/XXXX 3 ) Credit Acceptance Corp ( auto ) opened on or about XX/XX/XXXX 4 ) XXXX XXXX opened on or about XX/XX/XXXX 5 ) XXXX XXXX XXXX  opened on or about XX/XX/XXXX 6 ) XXXX XXXXXXXX XXXX opened on or about XX/XX/XXXX 7 ) XXXX XXXXXXXX XXXX opened on or about XX/XX/XXXX 8 ) XXXX XXXXXXXX XXXX opened on or about XX/XX/XXXX 9 ) XXXX XXXXXXXX XXXX opened on or about XX/XX/XXXX 10 ) XXXX XXXX Date Filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below 1 ) XXXX XXXX  self lender opened onXXXX 2 ) XXXX opened on XX/XX/XXXX 3 ) XXXX XXXX XXXXXXXX XXXXXXXX opened on XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX opened on XX/XX/XXXX 6 ) credit acceptance corp opened on XX/XX/XXXX 7 ) XXXX XXXX XXXXXXXX XXXX opened on XX/XX/XXXX 8 ) XXXX XXXX date filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below 1 ) XXXX XXXX XXXX opened on XX/XX/XXXX 2 ) Credit Acceptance opened on XX/XX/XXXX 3 ) XXXX XXXX  opened on XX/XX/XXXX 4 ) XXXX XXXXXXXX XXXX  opened onXXXX XXXX XXXX 5 ) XXXX XXXX XXXX opened on XX/XX/XXXX All of these accounts were not authorized by me. I also have multiple inquires on all my credit reports that were not authorized by me
Product: Debt collection

They state it 's a XXXX XXXX amount due. I contacted XXXX which is and has been my current provider for at least the last XXXX years and they show no outstanding debt. Nor any interruptions in service due to a lack of payment. When I ask specifically what they are collecting on they go to strong arm tacticts " just give me your credit card ... ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card

On XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) finalized a rule limiting the penalty for late payment to {$8.00} per incident, down from an industry average of {$32.00}. However, Milestone Credit Card also known Concora Credit is charging me {$81.00} and $ 82 monthly since XX/XX/year> for late and overdraft fees after I asked my account to be place on a hardship status. I have not used this card since XX/XX/year> however due to predatory account billing practices my balance has increased from {$590.00} to {$1300.00} due to fees. I attempted to resolve this situation with the company to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two fraudulent accounts on my credit report. One is from XXXX XXXX XXXX XXXX and the other is XXXX XXXX XXXX  Credit Card ( sold to XXXX XXXX XXXX. I have never allowed anyone to use my personal information nor have I ever conducted business with those companies. 

I have contacted XXXXl XXXX over 32 times, I have expressed to them that I never obtained a loan from them nor do I have a drivers license. I have mailed and emailed them an official police report where it states that I am a victim of ID Theft. I have been trying to contact and get a resolution on this account but XXXX XXXX XXXX XXXX does not respond to any of my attempts to have this resolved. 

XXXX XXXX XXXX ( sold to XXXX XXXX ). I have contacted XXXX XXXX XXXX  Directly and they agreed that the account is fraud and removed it from their system. XXXX XXXX is now trying to collect on a fraud debt that was deemed fraud from the original creditor. I have called and sent an official police report to XXXX XXXX and they are refusing to remove the negative item from my report. I explained to them that XXXX XXXXXXXX XXXX  has deemed the account fraudulent and that XXXX XXXX shouldn't even be allowed to collect on a debt that was erased by the original creditor. They have never responded once to my many attempts to have this resoled.
Product: Debt collection

XXXX XXXX XXXX XXXX t is a collection agency in XXXX XXXX, PA, and has reported three medical collections to the credit bureaus that I do not owe : 1 ) Reported opened XX/XX/XXXX {$10.00} XXXX XXXX XXXX Reported Delinquent XX/XX/XXXX 2 ) Reported opened XX/XX/XXXX {$20.00} XXXX XXXX XXXX Reported Delinquent XX/XX/XXXX 3 ) Reported opened XX/XX/XXXX {$340.00} XXXX XXXX XXXX Reported Delinquent XX/XX/XXXX This is the exact information reported on my XX/XX/XXXX XXXX credit report ( no full account numbers or name of original creditor ), and I have confirmed with all my doctors that I owe no money. I pay every single medical expense at time of service and have never left an appointment owing any money, period. I have never received anything in the mail from " '' XXXX XXXX '' or any medical provider, nor have I ever received a phone call. It is preposterous that completely false information can be reported to credit bureaus, especially without any details as to where the alleged debt originated. I am contacting my representatives and the Delaware Attorney General 's Office, where I am currently employed, to find out why this is legal and this company can get away with this. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Trans Union, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXXXXXX XXXX  the financial institution and the Consumer reporting agencies Trans Union, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Trans Union, XXXX, XXXX XXXX Bank whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX Bank never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Trans Union, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested multiple times that this info be verified as mine, but the company has failed to respond. This info should not be reported to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  account # 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
Product: Checking or savings account

Wells Fargo has not cleaned up its fake account scandal. Accounts were opened with deceptive business practices and then I was notified they would be charging me a {$35.00} fee. 
These accounts were opened during the fake account time frame. The accounts were never used and were not needed. Zero balance the entire time. Now I get a notice there will be a fee. 
I never needed or wanted this account but was lead to believe it was required. 

The bank says they addressed all of these sales practice problems, this have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 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 ). plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.