23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

As the principal of the loan is paid down, interest rates are not adjusted correctly. Also, prepayment is not applied to to the principal and the lender, BMO HARRIS, has made no attempt to correct the matter. The representative even told me on the phone when I tried to address that there is NO WAY for additional funds to be put toward the principal. They have been fraudulently overcharging me for months. Many of these calls have been recorded as they have asked for my permission but the account hasn't been corrected. I am lucky to understand the powerful impact of compound interest. If they are doing this to me there must be many many more who think they are proactively paying their principal loan amount down when, instead, the lender is simply applying forward.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX BALANCED {$680.00} ( Original Creditor : XXXX  ) XXXX BALANCED {$280.00} ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$660.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX my idenity was compromised while on XXXX XXXX. For the last several months I have been working with the Federal Trade Commision, CFPB, XXXX, Equifax, and XXXX  to get the fraudulent accounts below beneath my name. The original creditors have responded that the account were fraudulent and the accounts were removed from my XXXX and XXXX report. However, as of todays date the accounts below are still reflecting on my account. The FTC has marked the Equifax uncooperative and my attorney has sent a intent to sue letter to Equifax 's legal team. I am currently undergoing economic harm and demand Equifax take he following account of my Equifax report. Equifax has been sent police report t=plus FTC report number yet as not investigated nor removed the items from my report in the past 90 days. 


Please note ... future responses will be forwarded to my attorney, the FTC 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} ; XXXX XXXX Balance Owed : {$5500.00} ; XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Right Path Servicing XXXX XXXX XXXX Right Path Servicing was managing my mortgage. The loan was transferred. They sent a letter notifying me of the loan transfer. But, everything is done online now. And I seem to have my loan transferred every 12-18months. I am still able to login to my mortgage profile with RPS and there is a notice at the top of the page that shows my loan has transferred but no info on my new servicer.
Product: Credit reporting or other personal consumer reports

Experian has blocked me from accessing my credit score unless a payment for a membership is given, they allow no way for the membership to be canceled and no way to access the credit score without it. As well as locking my score and not allowing me to access it they have allowed multiple unauthorized inquiries to happen on a frozen account. This also comes after there failure to investigate multiple items even after a CFPB dispute told them to remove files
Product: Vehicle loan or lease

I was completely stunned as soon as reviewed my credit file and I found the past due payment of 30 days lates os af XXXX 2017 I  truly do n't understand how this error has gone wrong. I really believe that I had produced my fees to you as soon as I was given my monthly bill. My sole thinking is the fact that your monthly report did not make it to me. How can I have a late charge when I sent in the payment?
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report from XXXX, XXXX, and XXXX. I notice that some transactions posted on my credit reported that is excluded by federal laws to my consumer reports! 

Navy Federal Account # XXXX Your company is in violation of the FCRA and XXXX XXXX  Compliance and reporting violation 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX you reported transactions from Navy Federal Credit Union account # XXXX, to my consumer report. The above section 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! 

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX compliance! 

Provide me with the XXXX compliance on reporting transactions to a consumer reporting agency. 

I need the transactions reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Deleted from my consumer reports effective immediately. 

Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 

Furthermore 15 USC 1666b ( a ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I need the above transactions deleted from my consumer reports! 
XXXX
Product: Money transfer, virtual currency, or money service

I transfered {$170.00} thru Western Union App international money transfer last XXXX XXXX 2021. It was promised to receive the amount to receiver 's bank account on XXXX 2021. It is XX/XX/XXXX already and the money was still not delivered. I keep tracking but its still not delivered to the said date it was supposed to be received. I call the consumer financial hotline but it keeps me waiting on the line. I am worried of what happened to the transaction.
Product: Debt collection

I have attempted to contact this debt collector that is attempting to collect a debt that has not been validated with original documentation bearing my signature.I do not recall this account. The only response I have gotten is an unknown billing statement. I would like for NCA to validate the debt with the original documentation bearing my signature that I have entered an agreement with said company or remove this account from my credit report as they are reporting in error if they are not able to validate this debt with original documentation bearing my signature.
Product: Credit card or prepaid card

I have had this account for several and was in good standings with a credit limit of {$4000.00}. Approximately 3 years ago I did experience some financial issues and a few of my payments were returned by my bank for insufficient funds. Upon notification from my creditor, I immediately made restitution and correct the payment error in a timely manor. Shortly afterwards the bank made the decision to close the account. Although the account was closed, i continued to make my payments in a timely manner and paid more than the minimum due.The creditor switched banks and I was given a new credit card to use and the card was closed shortly after wards staying it was sent in error due to deragitory information received from the former bank. Tried calling both companies to determine the information reported and kept being told that I need to call the other company as the new company did not have any history on the account. When I call the former company, they too refer me back to the new company. However, I tried to make my monthly payment as my due date with the former company was XXXX of each month. Their online system shows I have a XXXX balance and said no payment due, I do know I owe at least {$2500.00} and I am at a loss as to how to continue to make the regular payment.`The company is Walmart and is now merged with Cpital One
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing 3 accounts with FMS that were paid on XX/XX/2019. I have asked for them to show them paid and for letters showing paid on 2 different occasions the last being on XX/XX/2019. I have not received my letters and they are still on my credit report showing the balances. I paid XXXX, XXXX, and XXXX on XX/XX/2019.
Product: Checking or savings account

XX/XX/XXXX - phone call from XXXX XXXX  alerting me that someone was trying to use my account attached o XXXX which I have no idea what that is or how that works. the person gave my the total amount of money that was allegedly attempted to remove and that they XXXX XXXX had stopp the tranactions which I have the tranactions numbers for the cancellation. Sine I had 2 accounts they had to have me but a block on my phone associated with my banking at FIrst Citizen 's they talked me thru every step of the way to of how to use XXXX, I had never used it before in my life. with this being said i had to do 2 tranaction on my regular account sine there were t alleged tranaction I needed to block my number twice and also had to do one transaction on the saving account to block the ability to use my phone number on that account as well. 2 tranansaction {$490.00} & {$980.00} were on the regular and then on the saving another {$490.00}. By doing this they would be able to hopefully trace the perp. THey would call me the next day and not to get into my account for 24 hours. 
XX/XX/XXXX - another call from XXXX XXXX stating fraud department and they were monitoring and had located the perp in XXXX Tx and needed me to do a couple more tranactions to make sure my number was block and they could monitor him for more activity. This time it was for {$490.00} & {$490.00} out of regular account. after this was done I noticed the money was coming out of my accounts. 
I cakked my bank First Citizens ' and advise them of the scam and all the details. I again was given a case #. I called them again on XXXX to check on the status, I was advised i would recieve a letter on XX/XX/XXXX which I didn't so i called again and it was indeed an imposter scam but the money would not be reimbursed. 

Doesn't the bank pay for insurnace for this type of scamming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified Equifax that i am a victim of identity theft
Product: Credit card or prepaid card

My identity was stolen I explained to Capital One that I was in and out of hospital and it took me awhile to realize that my XXXX had been hacked which took me longer to realize they got all the credit cards as well they also got my bank I'm by no means rich I have been dealing with this mess for 7 months now the stress and anxiety my body has gone through is not good for my heart I have been still in and out of hospital dealing with this and getting your money back is a joke not to mention you are treated as criminal Capital One strung me along and said if I emailed them medical records they would review these charges because they were past the dates of right offs but knew they were fraudulent charges just like the other ones they wrote off now they expect me to pay for fraudulent charges which I don't have extra money for by any means and they know they are fraudulent and should be taken care of and I don't think that this is fair I really can't afford this I need them to do the right thing
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received my credit report from XXXX. In reviewing my report I noticed several errors on my report. So after a few days I sent letters to the credit bureaus ( XXXX and Equifax ) on approximately XX/XX/XXXX highlighting these errors. Specifically a XXXX XXXX  account # XXXX because of obvious errors on the report. They both reported the account but they both reported VERY DIFFERENT information which obviously brings the reporting into question. I submitted a dispute because I am aware that any reporting accounts must be 100 % correct or they must be removed. I submitted a disputed with the information that they both were reporting to show them both the errors. There was OVER a {$24000.00} dollar difference in the high balance ( XXXX- {$29000.00} and XXXX {$5700.00} ). They both can't be correct. The date of last activity for XXXX was XX/XX/XXXX but the date for Equifax showed XX/XX/XXXX. The was over a year difference. They both couldn't possibly be correct. The date of the last payment on XXXX showed XX/XX/XXXX while the last payment date for Equifax showed XX/XX/XXXX. These are flagrant errors and should've been caught by the bureaus had they done a proper investigation. I submitted a request for their method in verifying these accounts with no response. 

Secondly there is a collection account from XXXX XXXX. I submitted a dispute for this account highlighting the errors in its reporting on bot XXXX and Equifax. Date of last activity, Date reported, and others. 

Then in the month of XXXX I pulled a second report and found that the information had not been corrected or removed but it was also listed as NOT DISPUTED. THIS IS A DIRECT VIOLATION OF MY RIGHTS UNDER THE FCRA and because of this I am having a very difficult time obtaining housing and an auto for transportation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint today to inform the Credit Reporting Agencies about the damaging data they are reporting on my Credit File. After researching how to remove fraudulent items from my report, I discovered that I need to visit the Federal Trade Commission ( FTC ) or https : //www.ftc.gov to file a report. According to FCRA section 605b, the Credit Reporting Agencies are required to remove and block any accounts and information listed on an ID Theft Report. Upon recently receiving a copy of my credit report, I was shocked to find several accounts and inquiries that I did not open and have no knowledge of. I have attached relevant documents to assist in the blocking of this erroneous information from being posted on my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I firmly believe that this is a case of fraudulent activity, and I am taking steps to report it to the authorities. According to FCRA Section 605B ( a ), the Credit Reporting Agencies must block any information in the file of a consumer that the consumer identifies as information resulting from the fraud, not later than 4 business days after the date of receipt.
Product: Student loan

I have been making monthly payments to XXXX  on my private student loans since XXXX  and the principal balance has barely decreased. Ive also never been offered any type of repayment options for my loans. Ive submitted the documentation for a co-signer release, as one of my co-signers is no longer living. However, XXXX  never responded to my request. All of my loans have high interest rates : 11.5 %, 13.25 %, 14.25 % and with having 10 years of payment history my loans shouldve been paid off already but I still have a {$4800.00} balance on my loans. I have paid more than the original loans were in interest alone and still have the principal balance.
Product: Credit reporting or other personal consumer reports

I recently discovered that a student loan account from the Department of Education ( serviced by XXXX ) has been reported on my credit file, but I did not attend school during the years in question. This account is inaccurate, and I believe it is damaging my credit score. 

Under the **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681s-2, creditors and loan servicers are required to report accurate information. XXXX has failed in this regard by reporting a loan for periods when I was not enrolled in any educational institution. I also believe this could violate the **Fair Debt Collection Practices Act ( FDCPA ) **, 15 U.S.C. 1692e, as it constitutes false representation of debt. 

please remove the following accounts below as they are inaccurate. 

DEPT OF ED/XXXX XXXX DATE OPENED : XXXX AMOUNT : {$2300.00} DEPT OF ED/XXXX XXXX DATE OPENED : XXXX AMOUNT : {$2500.00} DEPT OF EDXXXX XXXX  DATE OPENED : XXXX AMOUNT : {$2600.00} DEPT OF EDXXXX XXXX  DATE OPENED : XXXX AMOUNT : {$4000.00} DEPT OF EDXXXX XXXX  DATE OPENED : XXXX AMOUNT : {$4800.00} DEPT OF EDXXXX XXXX DATE OPENED : XXXX AMOUNT : {$7600.00} DEPT OF ED/ XXXX
Product: Credit card

My name is XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have been with American Express for a very long time. I unacceptable that this only company that harassed and stock clients to the fullest. I have a business credit line and business credit card with then. I have never used more than my credit limit. Never had a late payment. They are making money with me on a monthly basis with interest rate that are at the historical highest. All of the sudden if own XXXX out of my XXXX limit and they are forcing, dictating, and obligation me to pay a certain amount of money to keep my credit limit at its original amount of XXXX. This unacceptable. In the line of business they already doing it every month after I made each payment. They laugh at every hard worker XXXX. Harassing and trying to abuse of everyone when in reality they should be thankful of small business owner like myself that are working hard during these difficult times. I hope that this complaint is read, reviewed and analyzed by a bigger institution and someone has the human decency of going above and beyond to fight against this kind of behavior by this company.
Product: Credit card

Every time I make a payment over {$240.00} on my XXXX XXXX Barclay 's business card it is credited to my account by not available for up to 2 week. It looks like Barclay 's is punishing customers who pay down their cards for doing so. 
They are able to release the payment every-time after a phone call that consists of having to type in my card number my zip code then listen to 2 minuets of recorded balance information util I can then push XXXX more codes and finally get to a representative to have to give them my date of birth and last XXXX of my SS #.
Product: Checking or savings account

Hello, My credit profile was pulled by this company, prosper/XXXX  and I did not authorize my credit to be pulled. I reached out to this company and credit application was withdrawn. I requested for this inquiry to be removed off my report and I was told the fraud department will notify me via email. I have yet to receive any message from this company.