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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Human Trafficking ( Debt Bondage ) Section 605C ( 115 U.S.C Section 1681c-2 ) Urgent Request for Resolution Dear TransUnion Representative, Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account from XXXX XXXX XXXX XXXX XXXX Account number XXXX. Credit inquiry from XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the accounts, collections, or hard inquiries as reported. 

All the accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX from the US Federal Trade Commission that all of the aforementioned consumer collections, and hard inquiries are the result of identity theft and fraud. 

I request pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that the TransUnion credit reporting agency block all collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX. 

Sincerely, XXXX XXXX
Product: Mortgage

I made a mid month additional principle payment to my mortgage lender. They accepted said payment, but did not apply it stating they did not know what to do with it. They left it in a holding account. The additional principle is for minimizing interest and paying the mortgage off earlier. 
They want me to allow THEM access to bank draft and charge me a fee to do so. 
I find this situation unethical and disturbing in their practices.
Product: Student loan

I contacted American Education Services about reducing my loan payment while I attend dental school full time and can hardly work. They concluded that I can not receive income based repayment or deferment. This occurred on XX/XX/2018.
Product: Vehicle loan or lease

On XX/XX/XXXX/2016, I was excited to go in and look at motorcycles. I entered XXXX XXXX XXXX XXXX XXXX in XXXX FL. Prior to this i looked at inventory online and saw what I wanted and didn't want anything else but this XXXX XXXX XXXX sports bike. I sat with one of the sales guys and he told me I was approved and that my loan would be for 2 years. I was so excited about this I was not even thinking, i was signing away paperwork. The bike in the dealer was in the amount of {$5900.00} with dealer fee and tag title, came out to XXXX. I gave a down payment of XXXX. I have had my bike for 2 years and I am still making payments on this bike. I asked the place Cycleone Financial,  where i send my payments when i look at my documents they had me sign a Lease document on a used bike that had 32,000 miles on it, on the paperwork it states it had 18,500 and that is wrong. When i am finish paying this bike it would total {$14000.00}. If i would have known this i would have not bothered to take the bike. This bike since i took it out the dealers lot has given me problems, non stop. I asked and i was not able to even trade my bike in for another bike, i wanted to because the bike was giving me to much problems, i was denied that opportunity for a trade in. I was blind sided due to my excitement, this bike is not worth XXXX, not even with interest rate would this had come out to that much. My bike has been to a shop over 6 times in 2 and half years. I take very good care of it, its a passion I have but all these issue is uncalled for. When i first took it out all the lights were coming off, I had to use my warranty for a starter the 1st year. Thinking it was leased when I found out you would think they would let you get into something else especially when they automatically put you on a lease without you knowing. the paperwork from the dealer itself has my sisters social. Not on the one being attached. Motor has been replaced as well, like come on! I am really really upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inaccurate Bankruptcy reporting on my credit file that doesn't suppose to be there. This was dismissed later and shouldn't be on my credit file with Experian, XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX 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. '' Equifax and 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 information. '' ( XXXXXXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the Consumer reporting agencies Equifax and 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 Equifax, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ) 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. '' Never informed me of my right to exercise my nondisclosure option. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX 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 seven 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. Equifax and 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 or other personal consumer reports

Capital one refuses to provide me with a XXXX for a account they are reporting as charged of on my credit report
Product: Debt collection

On XX/XX/XXXX i checked my credit reports as we are trying to purchase a home soon. XXXX XXXX XXXX, XXXX listed a medical debt from XXXX of XXXX on my credit report for {$56.00}. In XXXX, a legal settlement forbid reporting of medical debt to credit bureaus if it is less than 180 days old. This debt has not hit the 180 day mark and violates the XXXX legal settlement between all credit reporting bureaus. As of XX/XX/XXXX, the new XXXX waiting period gives consumers time to resolve medical billing issues.
Product: Credit reporting or other personal consumer reports

I have disputed an inaccurate account on my consumer report that is has been reporting incorrectly for the past 6 years once I have gained insight on the subject of actually. digging deep and understanding credit as a whole, I disputed the account that was reporting inaccurate once I did the three credit reporting agencies bureaus still did not do a proper investigation into this matter as well updated the account once again inaccurate to showing as well showing recent activity on the account with again is not inaccurate this account on my report is over 6 years old as well it shows past due dates which is inaccurate which is documented on one of my consumer reports that there are no past due payments so therefore all three bureaus must be reporting the same information across all three agencies otherwise it is inaccurate as well as illegal. This inaccurate reporting has halted me from being able to obtain new credit due to the fact the last date of activity in inaccurate which is showing to creditors this is a recent negative account which in fact it is not. I am asking the whole account be removed.., this reporting is detrimental to my livelihood due to showing new activity and past due balances times that are inaccurate. 

XXXX XXXX XXXX  DATE OF LAST ACTIVITY XXXX XXXX XXXX ( INACCURATE REPORTING AS. WELL.. 

please delete this account ..... 
which have adversely have and now more than ever have been affected by your inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a chase credit card freedom card account number XXXX unfortunately this card was fraudulently charged back in XXXXand I was told by multiple chase agents on recorded calls to not make payments due to the fact that if I made a payment it would look as if I made those transactions. after the dispute they settled it and ended up refunding the card only problem is they reported the account late. The late payment is on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XX/XX/XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Inaccurate Reporting by the Three Bureaus Dear CFPB, I am filing a formal complaint regarding the inaccurate reporting of two closed accounts on my XXXX credit report XXXX The accounts in question are : Late payment reflecting on all three bureaus : XXXX  Acct # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Acct # : XXXX Date Opened : XX/XX/XXXX I did not make any late payments in this institution. Please update it in my credit report. 

Collections/Charge-off due to Identity Theft : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Date Opened : XX/XX/XXXX Inquiries due to Identity Theft : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA, credit bureaus are obligated to take swift action upon receiving notice of inaccuracies due to identity theft. Non-compliance with these regulations may lead to significant penalties and legal repercussions.

I already filed an FTC Report, a police report, I called the bureaus, sent dispute letters, but still it is not removed from my report.

I hereby request a thorough investigation into these disputed items and prompt resolution of the inaccuracies. This entails removing all erroneous information, blocking any fraudulent accounts from reappearing on my credit report, and providing me with a revised credit report once the investigation is concluded. 
I look forward to your prompt response and action to resolve this issue on my credit report. 
Sincerely, XXXX XXXX
Product: Student loan

On XX/XX/XXXX, I talked to XXXX XXXX, who was said to be a senior account manager for the XXXX XXXX XXXX XXXX ( premier student loan center ). She had me sign electronically some forms and send her my XXXX 1040 tax return for proof of income. Shortly after that I got conformation by email from XXXX XXXX that my proof of income was received. A few days later on XX/XX/XXXX I received an email requesting more copies of proof of income by a man named XXXX XXXX who also worked with XXXX XXXX. I then called them both with comments and concerns since I had already sent proof and was sent conformation proof was sent. The plan was said that I would pay {$240.00} per month for the first 5 months and then after those 5 moths I would be paying only {$22.00} per month until loan is paid off. I asked if I could pay more if I was able to pay more and I was denied that capability because they said then I wouldn't qualify for the forgiveness plan. On XX/XX/XXXX, I received confirmation from XXXX XXXX by email that my first payment of {$240.00} was processed and received. ( on the email it said " last '' assuming that was a typo ) as it was agreed my payments came out on/or around the XXXX of every month. I thought my loan was getting paid off and everything was good ... On XX/XX/XXXX, I received an email from XXXX about a Lawsuit - Bureau of Consumer Financial Protection, et al. v. Consumer Advocacy Center , Inc. d/b/a/ Premier Student Loan Center, et al. As soon as I got this email I immediately contacted my loan servicer ( XXXX XXXX ) I talked to a woman who informed me that they have NOT received any form of payment from the XXXX XXXX XXXX XXXX or Premier Student Loan Center. So where was all the money I sent to pay off my loans going? I then called my bank and asked to stop all payments to the company and as I was going through my history I noticed that the names on the transfer changed ever so often. At the end of the day this is devastating to say the least.
Product: Credit card or prepaid card

Capital One # XXXX XXXX XXXX Prior to XX/XX/XXXX Capital One Restricted My Card use because I would not update my ID information with them. As of XX/XX/XXXX I have been charged a Membership Fee for my " restricted '' Capital One Account, I still held an outstanding balance, continued to pay timely to the point that the " membership fee '' remained, on or around XX/XX/XXXX. Though my balance had been reduced to {$0.00} ( other than the member ship fee ), my use of this credit card remained " restricted ''. On or about XX/XX/XXXX my Capital one statement arrived it the mail, the statement stated that my " restricted account '' has been charged another annual membership fee of {$39.00} for the coming year. I choose this opportunity to call Capital One asking why they would think that I would pay a membership fee if I've not been allowed to engage in the membership benefits as a " non-restricted '' account holder may. It seems that their only interest is to get me to up date my personal information which I choose not to. I've never been late on payments, Capital One is who restricted my abillity to us my card. I've paid my balance to {$0.00} except for two ( 2 ) membership fees upon a card that the issuer has restricted the use of. 

My new statement arrived today : Previous Balance {$79.00} Payments XXXX Other Credits XXXX Transactions XXXX Cash Advances XXXX Fees Charged + {$25.00} Interest Charged + {$1.00} New Balance = {$100.00} The issue begins as this ; Two ( 2 ) Annual Membership Fees Charged to a " Restricted '' Card, i.e. meaning I could not use this card even though it was paid on time while now at {$0.00}. Two {$39.00} membership fees equaling {$78.00} that I told Capital One that I would not pay because the account was restricted from us by Capital One. I've paid my responsibility, I will not up date my personal information, Drivers License etc. for that is why they restricted my account over a year ago. Now Capital One wants to impose Late Payment Fees, interest on these unpaid " Membership Fees '' : Past Due Fee {$25.00} Interest Charge on Purchases XXXX New Balance $ XXXX Minimum Payment Due XXXX *Previous Balance of {$79.00} was paid down to {$78.00} ( equaling two ( ( 2 ) ) annual membership fees not paid My position is such, Capital One restricted my ability completely from enjoying and membership benefit ( s ) that the Annual Membership Fee provides through the restriction of my account. I continued to fulfill my responsibility promptly and timely of paying my account off. I do not see how one could expect or for that matter insist that these fees are payable, open to late payment charges and then to even charge interest on it as if they are purchases, Please.
Product: Debt collection

XXXX/XXXX/XXXX - Received a bill from XXXX XXXX for {$220.00} XXXX ( a XXXX debt collector ) reported this debt on my credit report although I have never received any communication directly from XXXX. Apparently they assigned the collection to Springer Collections ( a XXXX debt collector ) as I was a XXXX resident. 
XXXX/XXXX/XXXX - Received a collections notice from Springer Collections for {$220.00} XXXX/XXXX/XXXX - Sent my HSA account debit card information to XXXX to settle the debt of {$220.00} XXXX/XXXX/XXXX - Called Springer Collections to confirm they had received my payment information because there had been no transaction on my account. They told me the card had been declined. I asked them to run it again and they told me that once again it had been declined. It turns out that Springer Collections can not take an HSA payment which is why it was declined. They agreed that I pay XXXX XXXX directly. 
XXXX/XXXX/XXXX - Called XXXX XXXX and paid outstanding balance of {$220.00} XXXX/XXXX/XXXX - Called Springer Collections to let them know that I had paid the outstanding balance. They informed me that they would get confirmation from XXXX XXXX ( via XXXX ) and close my account. 
Some days later I talked with XXXX XXXX XXXX at Springer Collections to confirm that everything was in order. He told me that XXXX had informed him that there was still an unpaid balance of some {$95.00} - they did update the credit report item from the original {$220.00} to {$98.00}. 
I have followed up several times with all parties : XXXX are clear that my account has been paid in full, XXXX refuse to talk to me, Springer XXXX XXXX XXXX XXXX keeps telling me that I still owe some {$95.00}. 
XXXX/XXXX/XXXX - XXXX XXXX of Springer Collections called me. He told me that XXXX still showed that I had an outstanding debt of {$95.00}. I told him that I had paid the bill in full and that if there was an outstanding debt he should send me the proof - he refused. He said that he had looked at my account on the XXXX XXXX website ( surely a HIPPA violation ) and he said it showed an outstanding balance of {$95.00} - this is not true - the balance shows zero following the payment of $ XXXXthat I made on XXXX/XXXX/XXXX to XXXX XXXX. 
XXXX continue to report a non-existent debt on my credit report. 
Springer Collections XXXX XXXX XXXX XXXX continues to insist that I pay a non-existent {$95.00} debt. The tone of XXXX XXXX 's communication on XXXX/XXXX/XXXX, when he called me, felt like I was being harassed.
Product: Mortgage

I am in the middle if a modification once again with OCWEN LOAN SERVICING. They are doing the same thing that they did before, stating that that they did not receive papers that I have sent them over and over again. In the midst of them working with me, THEY SENT ME A FORECLOSURE LETTER. This is a XXXX XXXX case.. 
MY DOCS HAVE BEEN ROBO SIGNED BY OCWEN. PLEASE HELP. I SENT A VALIDATION REQUEST OF THE AMOUNTS TO OCWEN AND THEY IGNORED IT. THEY ARE IN VIOLATION OF SEC 809B OF THE FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

My current student loans were taken over by XXXX  XXXX XXXX from another company which took me through a rehab program to get the loans in good standing. As is common practice for all loans that are received by XXXX  XXXX XXXX, the loans were placed according to them, on to a " standard '' payment plan. After not too long I decided that I wanted to move them over to a more affordable payment plan, so I went through the process of applying for income driven payments. 

At the time of requesting the move, I was told I had two options,  either go in to forbearance which would allow me to stop making payments whilst my application was processed or allow my loans to default for non payment. Well I didn't want my loans to go in to default again so I went along with the forbearance idea, but at the time they did not tell me that the interest ( approximately $ 9k ) would be moved from total interest across all loans to the principle amount. 

This means that I am now paying interest on interest which is totally unreasonable. I was neither told about this nor did I request it. 

Prior to this the figures were approximately : $ 37k principle $ 9k interest Since the shift in XXXX of this year, my principle then became $ XXXX and I am now paying an average interest rate 4.88 % per year. 

Just to keep my loan where it is now I have to pay 4.88 % of $ XXXX per year forever, until the loan is paid. This is totally unreasonable and I did not request this. My interest should still be $ XXXX and that should be the interest to be paid, not 4.88 % of $ XXXX. 

XXXX  XXXX XXXX needs to be investigated for this type of behavior. Lets be honest, nobody would be in the business if they weren't making money but to do it this way is very deceitful and underhand. I of course asked them whether this could be reversed but they told me once it's done it's done. I asked them if this happens to everyone that goes through this process and I was told YES. 

They need to be held accountable!