23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I used Discover Student Loans to take out a bar loan to sign-up for a bar prep course. I have been making monthly, on-time payments on the loan for over 2 years. The balance of the loan has actually gone up rather than going down, as one would suppose would happen. After researching the issue, I realized that Discover 's minimum payment amount was broken down in such a way as to ensure that the interest will always be XXXX times higher than the principal - high enough to ensure that the balance of the loan remained the same or slightly ticked up through the duration of the " repayment '', thus ensuring that the loan would never be paid off by simply applying minimum payments. All of this means that at 7 % interest, if one were to pay off the loan by making double monthly payments, that I would pay double the amount of the loan, and that Discover would make a 100 % profit on a loan that is at 7 %. 

This practice is beyond the pale of decency and is incredibly unethical. These are effectively usury loan terms and your agency needs to become involved in making sure that individuals who are simply trying to better themselves and do n't have parents or others to contribute to their education are not left " holding the bag '' because financial services companies are allowed to exploit their dominant market positions. 

I would be more than happy to discuss my case with a member of your agency. 

Thank you, XXXX XXXX Tel. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching proof from my credit report that these 2 accounts on TransUnion are reporting wrong and that both the creditor and TransUnion are refusing to verify, correct or remove them as per the requirements of the FCRA. 

I 've submitted substantial evidence in this case and have disputed multiple times with both parties to no avail. These must now be deleted from my credit report. I am also attaching my correspondence with both parties. 

Accounts listed incorrectly : XXXX XXXX listed twice Problems : 1st account : is listed as 60 days late, even though there 's no balance and the account does not list that it 's been transferred or sold to another company. 
There 's been no update on this account since XX/XX/XXXX. 
There 's still a monthly payment on this account of {$1300.00}, even though it 's neither open, contains a balance, is still being paid on or has been updated Reports late payments that i know to be inaccurate and were never verified 2nd account : is listed as 60 days late, even though there 's no balance and the account does not list that it 's been transferred or sold to another company.
There 's been no update on this account since XX/XX/XXXX. 
There 's still a monthly payment on this account of {$5800.00}, even though it 's neither open, contains a balance, is still being paid on or has been updated Reports late payments that i know to be inaccurate and were never verified Due to the fact that it 's clearly being reported wrong and no one wants to conduct an actual investigation per the FCRA, these items must be deleted at once from my credit report!
Product: Debt collection

XX/XX/XXXX complaint to credit bureau of an account in the name of XXXX XXXX XXXX on my credit report. 
XX/XX/XXXX same account reappeared on my credit report and put in a second complaint with XXXX 

Current cease and desist at time of complaint. 

Fdcpa violations Continues to collect a debt not owed as it is not in my name and someone elses. As well as attempts before cease and desist. 

Improper contact or sharing of anothers account by phone and by mail. ( Only verification was using first name and last name and no other identification to validate debt with correct owner. ) Calls and mail collection harassment : continued calls and collection letters for a debt that is not in my name. Some robocalls or duplicate calls within a couple minutes of each other by the company in the begging of trying to collect. Even beyond the cease and desist. Current collection letter dated as of XX/XX/XXXX. And a call made on XX/XX/XXXX. 

Discussion of another persons debt by a collection company to an individual not associated with that account by phone and collection letters. 

Cease and desist with continued collection efforts by phone and mail. 

Ftc report XXXX Also filed with XXXX XXXX XXXX  and Illinois XXXX attorney office. 

Collection company removed the middle initial on collection letters in the hopes of being able to collect from anyone with that name. 

By midland credit company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX took over the servicing of my Mortgage and almost immediately made a mistake paying taxes and collecting payments. My loan includes escrows which means the bank is responsible for paying my taxes when due. When XXXX received my school tax bill they failed to pay the school taxes. In XXXX they received the town tax bill. Since they failed to pay the school taxes in XXXX the school taxes were billed again and were added to the town tax bill. XXXX read this as my town taxes had increased from appox. {$2000.00} to {$10000.00}. XXXX then raised my escrow payment almost {$1000.00} per month to cover for their mistake. I immediately called them and told them of their mistake, but they did nothing to correct their mistake or the payment. I sent them a letter explaining their error ( attached ). It was ignored. I made several other subsequent calls and they ignored me, acting as if I was a liar and did not know what I was talking about. I would explain their error and they would respond that I owed the additional funds. It was as if they turned the volume off on the phone and did not hear a word I said. This included managers I spoke with. I was treated with absolutely no respect or concern. They acted as if it was impossible they could have made a mistake. Almost 2 years went by and XXXX ignored every call and every letter. It was not until after dozens of attempts to correct their mistake I got a manager who actually looked at the escrow account and saw there was thousands of dollars in excess funds in the escrow account. However, He still never admitted the mistake. I was told I needed another {$500.00} to bring account current. At this time XXXX was already holding {$43000.00} and still reporting I was almost 2 years behind on my mortgage even though they had all the payments. Also, I did not need another {$500.00}. XXXX had been holding over {$1000.00} for years which they could never explain why. They refunded this money to me about a year ago. So in fact they had all the payments plus approx. another {$700.00} and XXXX was still reporting my account almost 2 years late. XXXX needs to immediately correct my credit report to reflect no lates. I believe they should also have to pay restitution for all the problems this has caused me in obtaining new credit. XXXX has violated multiple laws for collecting and reporting a debt while servicing my account without taking any responsibility at all for their negligence.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, XXXX, and TransUnion to notify them of fraudulent accounts, inquiries, and inaccurate information appearing on my consumer report. These accounts and data entries were never authorized by me, and their inclusion has caused significant harm. Pursuant to 15 U.S.C. 1681c-2, consumer reporting agencies are required to delete inaccurate or incomplete information upon notification. I am formally disputing the following : Fraudulent Accounts : XXXX XXXX XXXX, Account XXXX, opened XX/XX/XXXX, balance {$11000.00}. 
XXXX XXXX XXXX, Account XXXX, opened XX/XX/XXXX, balance {$640.00}. 
XXXX XXXXXXXX XXXX Account XXXX, opened XX/XX/XXXX, balance {$140.00}. 

Fraudulent Personal Information : Names : 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 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 inaccuracies, combined with the fraudulent accounts and inquiries, have caused significant mental, financial, and reputational harm. I have filed an identity theft report ( attached ) as well as CFPB complaints regarding the furnishers of these accounts : XXXX XXXXXXXX XXXX XXXX Complaint Number XXXX. 
XXXX XXXX XXXX : Complaint Number XXXX. 

Requested Actions : I formally request the following : Immediate deletion of all fraudulent accounts listed above from my consumer report. 
Correction or deletion of all inaccurate personal information, including names, addresses, phone numbers, employers, and spouse information, to accurately reflect my identity. 
Correction of all late payments associated with these accounts to " paid on time. '' Removal of all fraudulent inquiries associated with these accounts.

Cease and desist all communication except via mail.

This reporting activity has already caused emotional distress and financial harm. I request compensation for these damages totaling {$15000.00}, broken down as follows : Emotional distress : {$8000.00}

Financial harm : {$5000.00} Statutory damages : {$2000.00} ( estimated at {$1000.00} per error across two errors ). If you comply, I will consider this matter resolved and no further action will be t
aken. If you fail to comply with these demands, I will escalate this matter to federal court and seek higher compensatory damages. All rights reserved without prejudice. Thank you for your immediate attention to this matter. 

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

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : 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

I have sent letters to XXXX and Transunion about the inaccurate information on my accounts. These are disregarding consumer complaints. I have sent numerous letters and have still gotten no response. This has been a very stressful process for me and i just want the issue to be resolved.
Product: Bank account or service

I 'm selling products on Ebay for a few months and everything was fine until I tried to upgrade PayPal account to business account with a debit card. PayPal required that the account owner has a valid SSN, address, ID, etc. So I added my husband 's information as the main account holder since he has everything they need and we have been using his bank and address since the account was opened. Less than 24 hours after I added his name, PayPal sent me an email with Case ID # XXXX telling me that my account is now permanently limited and would n't be able to do anything for 180 days to make sure I have enough money to cover any payment reversals. 
I have n't done anything wrong or break any agreement with PayPal or Ebay. There wo n't be any payment reversal from Ebay as well because I never enabled the return option for customer and I got 100 % positive feedback on Ebay. I do not want to wait 180 days to get my money.
Product: Debt collection

A company called United Recovery Solutions is continually harassing both me as well as my family members saying I took out a loan with XXXX XXXX XXXX in XXXX ( I did not ) for {$5000.00} dollars and if I don't pay them {$700.00} today they are going to freeze all my assets and serve me with an arrest warrant in the next 1 to 3 days. I have explained to them I did not take out a loan and if they are going to serve me please do so and quit calling me and my family members with threats. They continue to call just now they called 3 times in a row demanding I give them the {$700.00} today. Again I have told them to serve me as I do not owe them any money and I will take the papers to my attorney as soon as I receive them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a narural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because according to 15 USC 1681 : I have the rights to privacy and i did not give Equifax written permission to furnish these accounts. 

accounts-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Hey i cant get approved for credit cards on some shopping sites XX/XX/2024 {$500.00} credit thats all i want
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX CT, XXXX, MO, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Employer - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, MO, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX - XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX - XXXX SANTANDER - XXXX XXXX  - XXXX XXXX below are the Inquiries that are being challenged XXXX - XXXX XXXX  - XXXX INFORMATIV - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my Experian account that I did not solicit. XXXX XXXX XXXX initiated an inquiry on XX/XX/23 of this year without my consent nor request from me. 

I first reached to them within 3 days of this inquiry date due to concern of potential fraudulent activity. I spent almost 45 minutes on the phone with them as they reviewed their systems to try and find my info. They couldnt find anything with my information on it and they told me I would have to take it up with Experian. 

I called Experian the next day and they told me I would have to take it up with XXXX and get a letter from them stating that the inquiry was invalid. I was told once I had a letter from XXXX I could have it removed. 

I tried XXXX again and they told me they couldnt do anything for me as I wasnt in their system. I feel like I am now in a process where I am chasing my tail. 

For awareness this inquiry is the only inquiry on my report.
Product: Credit reporting or other personal consumer reports

I have requested ORIGINAL CONTRACTs from companies on my Collections/Closed accounts showing on Experian XXXX and XXXX. I have never received them, and now these closed accounts are showing on my Credit Report. 

Inaccurate/Unknown charges Showing on my XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These lenders have accessed my credit file and should have been removed From the XXXX report Since 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: Debt collection

To Servicing Bank : SELECT PORFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX cc : Consumer Protection Bureau Ref. : Select Portfolio Servicing Acc #  XXXX XXXX XXXX  Loan MIN # XXXX Property : XXXX XXXX XXXX XXXX, XXXX Fl XXXX RELEASE ACCOUNT STATEMENT This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 

I am writing because : 1. STATUS OF LIMITATION OF THE ACCOUNT # XXXX. Disclose copy of Notice Default letter dated XX/XX/2007. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) Select Portfolio as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX
Product: Credit reporting

I questioned an item on my EQUIFAX credit report. This was originally a dispute between XXXX XXXX XXXX XXXX XXXX ( XXXX ) and services provided by XXXX. I left the XXXX area in XXXX, and was not aware of the status of this claim until just recently. I requested that Equifax delete the item as the statute of limitations ( SOL ) in the case ( 3 years ), had expired. The case was filed by " XXXX '' on XXXX XXXX, XXXX. Equifax has not responded to my request. Furthermore, this item is not showing up on credit reports of other credit reporting agencies ( e.g. XXXX ). Can you help me to get this item deleted from the Equifax credit report and resolve this case?
Product: Checking or savings account

Im XX/XX/XXXX {$2000.00} was taken out of my Wells Fargo checking account in XXXX, Florida without my consent. I live In Tennessee. My withdrawal limit I found out is only {$1100.00}. I asked them about it and they said it may have changed. How can it change without my approval. They refuse to give me back my money that was illegally taken from my account using a fraud card at their atm. They claim the chip cant be cloned. I filed police report as well. I never been to XXXX and after I told them to look at my transactions that it would show I never left Tennessee. They wont give me any answers and just kept saying there indicators show it wasnt fraud and I cant appeal and thats it. Im XXXX  out of {$2000.00} because there shady intentions and wont refund a fraud transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few inquiries on my credit report which I have already tried to ask Experian to remove multiple times and now the online system is not allowing me to do. 

I am aware of somebody trying to use my ctedit to apply for stuff and I'm currently consulting and taking steps to stop it. 

However, there are a few inquiries reporting and it is highly damaging and not mine and also I have not received any reporting documentation as proof required by law as to why these are still reporting. 

The inquires are below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These 6 inquiries randomly poped up on my report and somebody is doing this to damage me. Please help.
Product: Credit reporting or other personal consumer reports

THIS LETTER IS A FORMAL COMPLAINT THAT EXPERIAN, HAVE IGNORED MY PREVIOUS REQUEST AND FAILED TO COMPLY WITH THE PROCEDURES TO ASSURE MAXIMUM ACCURACY IN THE CREDIT REPORTS YOU PUBLISH!! I HAVE EMAILED YOU ALL THE FACTS ABOUT A ; LATE PAYMENT ON MY CREDIT REPORT FROM XXXX XXXX XXXX.. THE INFORMATION IS INACCURATE, EXPERIAN IS NOT READING MY DOCUMENTION PROVING THAT I WAS NOT AT FAULT AND THAT THIS BANK WAS HASTY IN PUTTING A LATE PAYMENT OF {$11.00} ON MY ALMOST PERFECT CREDIT REPORT ... WITHOUT MAILING A INFORMED LETTER WITHIN 21 DAYS OF DOING THIS ... IM NOT RELYING ON XXXX XXXX SINCE THIS BANK IS TOTALLY OUT OF TOUCH WITH THEIR LONG TIME CUSTOMER 'S AND THIS BANK HAS TOTAL DISREGARD FOR THEIR CUSTOMERS WELL BEING AND THIS BANK IS BLATANTLY NOT FOLLWING THE PROTOCOL UNDER THE LAW THAT GOVERNS LATE PAYMENTS. .THE COMPUTER GENERATED RESPONSE I RECEIVED IS UNACCEPTABLE, AND I AM LOSING PATIENCE..IF THE INFORMATION IS NOT IMMEDIATELY REMOVED, I WILL BE FORCED TO SEEK LEGAL COUNSEL FOR RELIEF THROUGH THE COURT AND FILE COMPLAINTS WITH REGULATARY ENFORCEMENT AGENCIES, FTC AND MY STATE ATTORNEY GENERAL..REMOVE THIS INCORRECT INFORMATION AT ONCE AND SEND ME AN UPDATED COPY OF MY CREDIT HISTORY REPORT.I ALSO REQUEST THAT YOU PLEASE SEND NOTICES OF CORRECTIONS TO ANYONE WHO RECEIVED MY CREDIT REPORT IN THE LAST 6 MONTHS..BY THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT ... 15 U.S.C. SEC 1681i ( a ) YOU MUST COMPLY AND OVER RIDE REGIONS BANK
Product: Vehicle loan or lease

Credit Acceptance has marked my complaint has duplicate. I am requesting that payment history of all of my payments since my contract has been in standing with the company. I still have not received a requested copy.