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

There is an account on my Equifax report from XXXX XXXX acct # XXXX. this account is not mine and i have never done bussiness with this company. I have disputed this account since it was mistakenly put on my credit report. i have called the company and they have also came to realize this is not my account. how can equifax validate an account if the company is saying its not right. i have also asked equifax. to send me proof of there validation, but i have yet to receive anything
Product: Student loan

ECMC is ruining my credit report and quality of life. I have been paying these student loans for years and Im paying currently $ XXXX monthly payments and they have and are still reporting Im late, delinquent with no payments monthly. I keep being denied a mortgage loan to support my family and Im paying on time automatic payments monthly. They are reporting false information as Ive been time and making faithful payments. They are affecting my well being and livelihood due to their reporting. I have all statements showing Ive been paying and on time. Please update so I can continue to provide a place for my family.
Product: Debt collection

I sent the company a validation letter asking for a copy of the signed contract with my signature and a copy of my ID or driving license for proof that I own that debt. I waited past the 30 days and they still haven't shown me or gave me the proof that I asked for they still reported it to my credit report, without the proof that I asked for.
Product: Student loan

NelNet refuses to properly apply my principal reduction payments on my student loan. Every month I make payments beyond the minimum payment due, and generally pay ahead by at least three months. 

On XX/XX/XXXX, I was paid ahead until XX/XX/XXXX. I made a {$1000.00} payment and checked the " do not advance due date '' box. My understanding was that the {$1000.00} would go directly to principal. 

On XX/XX/XXXX, I made another {$600.00} payment. I again checked the " do not advance due date '' box. 

On XX/XX/XXXX, I logged into my account online, and saw that, of the {$1000.00} XX/XX/XXXX payment, {$150.00} was applied to interest rather than principal and, for the {$600.00} XX/XX/XXXX payment, the entire amount was applied to interest with XXXX going to principal. Again, at the time of the payments I was paid ahead by five months. 

On XX/XX/XXXX, I spoke to two NelNet representatives - a customer services representative and a supervisor named XXXX. The representative informed me that NelNet does not allow principal only payments, even when a person is paid ahead. I questioned the legality of that practice and asked to speak to a supervisor. The supervisor XXXX confirmed that NelNet does not allow principal only payments, even when a person is paid ahead. 

NelNet 's refusal to properly apply my principal reduction payments obviously benefits them as they charge more interest. Over the last twenty years, I have taken out car loans, mortgages, and other student loans -- I have never before been refused the right to make principal only payments when I am paid ahead of my monthly installment payments. I find NelNet 's conduct particularly egregious given that the company services federal student loans, which are purportedly in existence to help finance the education of Americans who, like me, otherwise could not have afforded the cost of tuition and who have struggled for years to pay off student loans.
Product: Debt collection

On XX/XX/XXXX I was contacted about an alleged XXXX debt. I requested information through email because they said they had sent me letters through the mail which I have not received. I have not recoveived the email with any of this information. The collection agency alleges that I owe {$440.00} dollars, from XXXX bills which were originally {$170.00} each, but they added interest to them. These bills are allegedly from XXXX doctor visits on the dates of XX/XX/XXXX and XX/XX/XXXX. However, I had medical insurance from XXXX, which should have covered both of these bills. The doctor office I visited was aware of my insurance and mustve not charged them for it, instead sending me to collections. The collections agency did not make me aware of the fact that I could dispute these charges, which were done by the mistake of the medical office for not charging my medical insurance at the time. I was not now, nor ever given the option to dispute these charges.
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that lists IC SYSTEM INC as the collection agency that is trying to collect a debt on behalf of XXXX XXXX. Not only are you violating FDCPA and FCRA regulations for reporting a different balance and failing to send correspondence regarding this account, but XXXX XXXX was informed that the alleged debt is not mine and was sent proof that my information was involved in a data breach. Your company unfortunately purchased a debt from a company where the customer was an identity theft victim. I am requesting that this account is removed from my account immediately. Enclosed is an invoice that your company is to pay for the many violations. Payment is to be remitted to the address listed on the invoice.
Product: Debt collection

Chase has refused to provide documentation showing they had rights to service or collect on my home loan. I have requested copies of the Limited Power of Attorney given by the Federal Deposit Insurance Corporation giving them receivership rights to service my loan from Washington Mutual Bank as they have previously stated..
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a freeze on my sons ' TransUnion credit report under the XXXX  Minor Credit Protection Program. In a letter from TransUnion dated XX/XX/2017, they stated, " We will remove the Credit Lock automatically from the child 's TransUnion credit report within 30 days of their 18th birthday. '' My son is now XXXX years old and trying to rent an apartment and his application was denied because there is still a freeze on his credit report. We can not be the only family that is beyond frustrated by the incompetence of TransUnion. Please help us and other families resolve this unfair and unjust violation of TransUnion 's own policy. 

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

I previously disputed a collection from XXXX XXXX  appearing on all credit reports the collection company XXXX  responded to CFPB stating the collection item was placed on hold pending a financial application review from original creditor my problem is the collection company continues to report item to the 3 credit bureau companies if in face the original creditor requested a hold why is it still being reported? 
Original response from medicredit is attached showing item is placed on hold
Product: Debt collection

Company named Executive Financial is repeatedly calling my personal phone regarding debt. They do not provide the name of the person they are calling for and I do not have any outstanding debt that would have been submitted to a collection agency. Several online complaints claim they have erroneous info and are phishing. Thank you!
Product: Money transfer, virtual currency, or money service

I have been trying to use my XXXX account and just added my new debit card to it and im having trouble verifying my bank account to my XXXX account
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I also just received a large amount of money from my phone that I sold so yeah. My email linked to my PayPal is " XXXX ''
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent company letter requesting certain certified documents related to alleged account to be mailed and this information was requested in good faith pursuant rule 1002 and it was never provided. I also called regarding alleged account to be investigated while speaking with represent on phone I express my rights to opt out of all authorizations per the fair reporting credit act as a federal protected consumer which i am and that I may have given to you in writing, unwritten, verbal or non-verbal for sharing my nonpublic information to third parties to opt out. Sec. 15 U.S.C 6802 - Obligations with respect to disclosures of non-personal information. It is ILLEGAL for creditors to report late payments 15 U.S CODE 1681. JPMCB never sent certified documents along with the disclosures from section 1637 ( b ). This is unfair, illegal, fraudulent, and not equitable to me as a consumer! FTC consumer report will be filled regarding this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I call WF CRD SVC today about this Business type Bank Credit Cards I didn't apply for I don't bank with Wells Fargo never have open up account with them they ask me for my name and social security number see if I have a account with them it came I don't someone have a bank credit cards in my name it on my credit report and this XXXX XXXX XXXX to someone apply for some type Business Bank Credit Cards I don't know this bank
Product: Student loan

These accounts are over 10 years old of the date open. This is a violation of the FCRA. These account should be deleted from my account immediately. 

DEPTEDXXXX XXXX Open XX/XX/XXXX paid and closed. 
DEPTEDXXXX  XXXX Open XXXX, XXXX Paid and closed. 
DEPTEDXXXX XXXXXXXX Open XX/XX/XXXX Paid and closed DEPTEDXXXX XXXXXXXX XX/XX/XXXX Paid and closed. 
DEPTEDXXXX XXXX XX/XX/XXXX Paid and closed.
Product: Mortgage

I sent a written communication to my lender ( attached ) more than a month ago concerning my Private Mortgage Insurance and I have not heard any kind of response from them. I would like to hear back concerning my request to remove PMI from my loan which is in great standing.
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw inaccurate accounts on my credit report this morning, and I have no clue how they appeared. I regularly check my credit report, but this time, these errors came out of nowhere. I refreshed the browser, hoping it was a temporary issue, but the accounts didnt disappear. I really need the documents Ive sent to be carefully examined, so I never have to deal with this again.
Product: Credit card or prepaid card

on XX/XX/22 I was on my computer with my Wells Fargo accounts page and was going to transfer some funds when a message came up on the screen from my internet security company ( XXXX ) that said they suspected possible virus 's and hacking in my computer and to call them right away, so I did. They said they would need to get into my computer to clear it up and with one small step they were in. they said it would take some time to do the work and to step away and not worry but to leave the computer on and they would callme back the next day. The next morning they called to tell me they still had some work to do and to inform me I was selected for a free upgrade and a refund of my payment I had recently made. i was then taken to a page where I was to fill in my name and the amount to refund which was {$300.00}. I did that and then a screen came up which showed {$15000.00} in my checking account which they said was theirs and I would have to pay them back. I said I didn't know how that got there and they said I had to have done it when I put in the refund amount and now I would need to do a wire transfer for that amount. I now became suspicious and told the man I was not comfortable with all this and he told me if I did not comply he would take the money from my IRA accounts as well and then showed a page where they were zerod out. I was now concerned that I may lose all my money and so I had to go on with the transfer. He did all the work on that and told me what to say to the tranfer agent to initiate it. Then I told the scammer I had to leave for an emergency and would be right back at which time I called the Wells Fargo fraud line and explained what I was in the middle of and that I was really concerned. the agent told me he had all he needed after I gave him all the details but did not offer any advice or help on what I should do next so I figured everything would be OK. I got back to the scammer and the transfer was finished. what was puzzeling to me was the transfer agent did not seem to find it odd that I was transfering {$15000.00} to a bank in XXXX when I had never before done a tranfer at at and to person there for a wedding gift and I could not pronounce her name properly. All the while the scammer was telling me what to say. he then said to just leave the computer on and he would get back to me in the morning. The next morning when he did not call and I checked my accounts my credit card was maxed out and my on hand cash was gone totaling almost {$23000.00}. I called the Wells Fargo fraud line again and told them what had happened and they said they would do an investigation to which I just received the result as not their fault and I would have to pay back the credit card balance of {$18000.00}.
Product: Mortgage

MULTIPLE County Tax payments were made against my account recently for 5 properties. But 4 of those properties I DO NOT OWN! 

When I reviewed my Escrow account back in XX/XX/2020, I noticed there were 4 EXTRA properties Mr. Cooper had paid Property Taxes on that should not be on my account. I only own one property and my previous lender sold to Mr. Cooper only one property ; therefore, I should only have one Escrow account ( one parcel, one property ). 

Because of the extra 4 County tax disbursements that were made against my account, I also see a very large Escrow shortfall ( over {$5000.00} ). I've made every effort to contact the Escrow department multiple times, but they continue to give me the runaround that XXXX is involved and they can not get any additional updates or feedback on what is happening to my account or obtaining a refund. I've made phone calls almost every other week to the Escrow department and was assigned to an " Executive Escalation Specialist/Manager '', but the updates and timeframes that were given to me have passed and NO NEW UPDATES have been given to me on when this will be resolved. 

I want the negative Escrow balance fixed ASAP. If it can not be fixed in a timely manner, I'd like to be given a new account number where we can start fresh. I DO NOT feel I should have to suer to have to wait for the County to refund the money for an error on Mr. Cooper 's part. 

What upsets me is that this was NOT MY ERROR. In addition, what also upsets me is that their representatives have said we need to wait for the County to refund the money. Mr. Cooper should either provisionally credit our account so that we do not have to see that negative balance OR go ahead and start a new account for us so we can start afresh and not have to experience this MESS they created. This whole incident raises both ethical and legal issues that have not yet been resolved.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX  # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

This complaint is regarding loan number XXXX. The account is current. Payments were made on XX/XX/XXXX of {$500.00}, XX/XX/XXXX of {$500.00}, and XX/XX/XXXX of {$750.00}. These amounts are more than the monthly loan note of {$450.00}. Bank XXXX XXXX ( BOA ) in the XXXX century eliminated any electronic method of annotating additional principal payments when paying via consumers personal ( non-BOA ) bill pay, or through their own mobile or website. So, withholding this application, BOA has taken it upon themselves to apply payments as they see fit ( or whatever means is the best revenue generating for their company ). Thus, they have inappropriately applied these payments by not reducing the principal balance, but by applying towards the next monthly payment. These actions have been submitted to BOA via their message service, however, their CSR are unable/unwilling to make the necessary adjustments that shouldve been applied initially. Their suggestion is to call, mail, or take it to a BOA location. This is the 21st century, customers shouldnt have to leave their house to have their payments applied appropriately. Every other financial institution does business this way ( applying over payments to principal balance ), this seems like a shady business practice where BOA is trying to take advantage of unknowing customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few inquiries that were placed on my credit report on Different dates by XXXX XXXX from XXXX that has an inquiry date of XX/XX/XXXX and XXXX/XXXX that has an inquiry date of XX/XX/XXXX and another inquiry from XXXX XXXX  that has an inquiry date of XX/XX/XXXX and another one from XXXX/XXXX that has an inquiry date of XX/XX/XXXX and another one  from XXXX/XXXX that has an inquiry date of XX/XX/XXXX. I sent the credit bureau ( TRANSUNION ) a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application and if XXXX XXXX  claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for every single one of these inquiries, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that XXXX XXXX verified or validated these inquiries when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate these inquiries. I received the copy of the credit report on XX/XX/XXXX, these applications was submitted fraudulently.
Product: Consumer Loan

In a time of financial hardship, I turned to the internet in search of a personal loan. I ran across many websites which purport to lend installment loans at a much higher interest rate. At that time, I was unaware of the usury laws which protect consumers of NJ from loans with interest rates above 30 %. I was in such dire need that I applied for numerous online installment loans and was approved for all three. I made payment religiously whenever they were due, however, I was recently made aware by the attorney I work for that these loans are illegal and that most likely none of these lenders is licensed to lend monies in NJ. Any money owed to this company was paid well over the amount borrowed. The interest rate charged was well over XXXX %. This complaint is for one of the companies, however, I will be submitting separate complaints for each of the lenders.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint to follow up on the dispute regarding the accuracy of my credit reports, as per the provisions outlined in the Fair Credit Reporting Act ( FCRA ). As mandated by the FCRA, it is the responsibility of credit reporting agencies to ensure the accuracy and timeliness of information reflected in credit reports. I am urgently requesting a thorough investigation into the following accounts to rectify any inaccuracies within my credit reports. I kindly ask that the necessary updates be made promptly, ensuring the accuracy of my credit reports within the upcoming 15 days of the scheduled credit report updatXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX communication with TRANSUNION credit bureau via online dispute and phone call regarding XXXX XXXX XXXX account DISPLAYING information that has not been updated since XX/XX/XXXX. XXXX accounts are currently closed and paid in full. Loans consolidated with XXXX XXXX.