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

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

MOHELA states on their website " XXXX XXXX Interest Rate Your interest rate is XXXX XXXX from XX/XX/XXXX through XXXX XXXX, XXXX. 
Payments made on or after XX/XX/XXXX were automatically adjusted. 
Payments are applied first towards the interest accrued prior to XX/XX/XXXX. The remainder is applied to the principal balance. '' On XX/XX/XXXX, I noticed XXXX XXXX interest started being charged on XXXX of my loans with MOHELA. I do not know the exact date the interest began. I have been trying to contact customer service as to why my loan is being charged XXXX XXXX interest when the XXXX XXXX interest rate and payment pause are to continue until XX/XX/XXXX. My loans remain in forbearance ; however, they have started charging interest. 

I recently completed a military assignment, which qualified me for XXXX benefits ( lowering of interest to XXXX XXXX ) ; however, there was no necessary adjustment since interest was already at XXXX XXXX. MOHELA has notified me of the end of my XXXX benefits via letters this week, but the end/beginning of XXXX benefits should have no effect during this interest/payment pause. MOHELA has not responded to my request on XX/XX/XXXX wherein I asked for the reason for the interest charge and asked for it to be refunded to me. Interest continues to accrue daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with I C SYSTEM ( Original Creditor : XXXX XXXX  XXXX XXXX ), XXXX  XXXX XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, I C SYSTEM ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX ), XXXX  XXXX XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Mortgage

On XX/XX/2022, our scheduled mortgage payment was autopayed to the mortgage servicer, Mr. Cooper for the amount of {$2000.00}. Our usual payment is {$1500.00}. This payment was {$540.00} more than our usual payment. A review of our statement showed that the escrow payment portion of our payment doubled. First, the amount of escrow paid was not correct. Second, we were not notified that this would be changed. I called Mr Cooper customer service to discuss these issues. I was on hold for 30 minutes, then was given the option to leave my number and they would return my call. I received no call back. 

On XX/XX/2022, I called Mr Cooper customer service again, was on hold for 15 minutes, and again left my number to be called back. Again, I received no return call. 

On XX/XX/2022, I contacted Mr. Cooper customer service through their online message system. Three days later, I am still waiting to hear back from them. 

Mr. Cooper has taken no action towards contacting us, let alone trying to remedy the issue of their fraudulent withdrawal of our money.
Product: Credit reporting or other personal consumer reports

My accounts with the following companies were never late! I have had exceptional payment history with XXXX  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 my 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 ( MONTHS REPORTING LATE ) 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.

The following companies 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: Checking or savings account

I seen her listing on XXXX about a house for rent and I tried to reach out to the person supposedly renting this property and at first we started with a conversation and see if I qualified so I sent a {$50.00} XXXX transaction for an application then they asked me for {$450.00} transaction for a security deposit but they wanted {$500.00} more through XXXX or XXXX and thats where I noticed that they were trying to scam me so I tried to meet up with them and they didnt want to. I try to request my money back to the person I sent it to, and they declined it. I already made a report to my bank so theyre trying their best right now but even though if I dont get my money back I would like to see what can I do so they can stop this type of fraud. They also sent me an ID, which was the person that I was supposedly communicating with that person told me to send it to the account with the name of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX credit bureau on XX/XX/XXXX for a 30 day past due payment from Capital One. Payment was made before 30 days past due but due to the statement closing early Capital One reported this incorrectly. On XX/XX/ Capital One completed the XXXX dispute acknowledging the error and corrected the 30 Days Past due payment to Current for XX/XX/XXXX  on all three credit bureaus reports. Now Capital One has changed back the status for XXXX to 30 days past due and is refusing to correct the issue once I contacted them over the phone. This seems to have started due to XXXX incorrectly filing an additional dispute in XXXX causing the issue to be re-opened when I never requested them to do so.
Product: Credit card or prepaid card

I have been a credit card holder with Discover since  XXXX . I have been paying a monthly fee since  XXXX  for " discover payment protection. '' I called Discover today & spoke with a special sector of their customer service specifically for this exact issue. I never agreed to this and Discover is stating that I agreed to the terms in  XX/XX/XXXX , but will not provide me with any record of the agreement. I have researched this problem & there have been many lawsuits against Discover for this same exact issue. Most people have succeeded with getting all of the money they paid over the years back, but Discover is refusing to refund all money even though I never signed up for or agreed to the terms of having Discover Payment Protection. They only offered to pay back six statement periods of the charges & continued to talk in circles, never giving an exact answer or an agreeable solution.
Product: Checking or savings account

On XX/XX/2022 charges where made on my account that I didn't mage totaling XXXX. Chime had alerted me that a charge of XXXX hit my account from XXXX. I called chime to dispute the charge while I was calling them another charge was declined from an amount of XXXX thank XXXX. So while I was on the phone with chime 3 more charges went through for XXXX each totally XXXX. I even told them as I watched helpless. They told they couldn't stop pending transactions but could shut off my card and issue a new one that that point and when they went from pending to settled then I can dispute all of them. So I did just that. The turn around was less than 24hrs and told me they denied they dispute but didn't tell me why our send any e-mail with documents showing why. They said they'd reopen it with more info if I had anymore to give them. So I did just that I found the number to XXXX and called them they told me I had to be a member of XXXX to get any information on the charges and he said since I wasn't a member that should be evidence enough for chime to call them and get info on my case. So I gave chime the number and they still denied my dispute. I filed with my local police department have then that info and still denied my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to to file a dispute online every time a upload a file is States that the website is frozen what is not responding.I 've tried contacting them with no response. I have been disputing XXXX XXXX for almost a month now they are past their time frame to collect. the information is incorrect and they refused to collect on this account. I am requesting that XXXX XXXX be removed along with inquiries that include XXXX and XXXX XXXX  twice. I can not seem to get through. I also sent a letter to XXXX XXXX with no response. I want by XXXX XXXX   removed. they have violated the FDCPA Laws and the Fair Credit Debt Collection Acts. Federal laws have been violated. XXXX cancelled the acct they broke contract NOT ME. They are not supposed to be attempting to collect! when I try resolving this account XXXX XXXX hung up on me more than 6 times so I want XXXX XXXX  remove immediately. acct balance is incorrect and XXXX XXXX  allegedly had this acct since XX/XX/18 and have not attempted to collect or when I called them hung up on me. and did NOT validate balance or accuracy and disconnected every call when I reached out to them. they null and voided their rights to collect due to XXXX writing off and receiving credit for written off balances. Amounts were ALLEGEDLY owed to XXXX NOT XXXX XXXX. I wrote a letter I want it removed. I have 18 acts in great standing I think I would have resolved this one. I will file suit of XXXX in Colorado and file complaint with FDCPA with minimum fines starting at {$10000.00} per violation for damage to my credit. I have filed a complaint with XXXX and has not responded. XXXX has removed this acct but not Experian or transunion
Product: Credit reporting

I have been a XXXX customer for almost 2 years now and they are not reporting my payments as required. My report on Experian is displaying ND which means no data. 
I am requesting that they update my Experian report to show OK on my report.
Product: Money transfer, virtual currency, or money service

Good afternoon, on XX/XX/XXXX, our company made a payment of XXXX USD ( XXXX ) it was sent through a correspondent XXXX XXXX XXXX XXXX XXXX, XXXX XXXX to an intermediary bank WELLS FARGO BANK, N.A., New YORK. According to the XXXX XXXX, the payment was delayed by WELLS FARGO BANK, N.A., XXXX XXXX XXXX XXXX XXXX. These receipts are attached. Date of receipt..... : XXXX XXXX XXXX XXXX XXXX : The text of the message... XXXX XXXX // XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  The refund is always made via the reverse chain of banks, i.e XXXX through American banks. Due to the US blocking sanctions imposed on XXXX XXXX XX/XX/XXXX and the termination of settlements with XXXX in the USA , our payment was blocked. After the bank blocked it, a recommendation was made to contact OFAC to obtain a License to unblock the payment. We applied for a license and it was assigned the registration number XXXX XXXX, it was received on XXXX, and it was assigned the case number in XXXX. After that, on XX/XX/XXXX, a Sanctions and Licensing Officer from the Licensing Department of the Office for Control of Foreign Assets contacted us and asked if we wanted to return this money back or send it to the recipient 's bank, which is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX to which he was given the answer that the money should be sent to the final recipient this payment. From that very moment, i.e. from XX/XX/XXXX to the present day, our payment has not been returned to the sender 's bank and has not been delivered to the recipient 's bank. We would like to ask you for help to find out where our payment is at the moment and tried to send it to the recipient. Thank you in advance
Product: Vehicle loan or lease

To Whom It May Concern : I purchased a XXXX XXXX XXXX  from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX ) on XXXX XXXX, 2017. I was financed by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ). While financing the vehicle, this company has placed my payment on another customers account and have called and harassed me multiple times about the payment that was made even though there were notes in the account that stated that they had to put the payment on the correct account. On XXXX XXXX, 2017, I received a notice from XXXX XXXX stating that I had a change in my credit report. When I checked the report XXXX had my account with Tidewater labeled as closed-paid and on XXXX it showed the same and stated that this loan was included in my Chapter XXXX  bankruptcy. With that being said, all of my payment history was erased and my credit score plummeted. This has caused me a tremendous amount of undue stress and mental anguish. Seeing as how this company has no regard for its customers or their credit, I would like for Tidewater to take possession of the vehicle that they have written off and not hold me liable for said loan since they have destroyed my credit. I would like all correspondence to be submitted in writing and all phone calls to cease. Any correspondence should be forwarded to myself as well as the Consumer Financial Protection Bureau for their records.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, someone tried to impersonate my name and emailed my Payroll Admin to change my direct deposit info and provided the new routing and account information. Sadly, my Payroll Admin lacked the security awareness and did it by quickly fulfilling the request without personally confirming with me about the information change request. 

On XX/XX/XXXX, upon logging into my ADP employee self-service portal, I noticed that my direct deposit account had been changed to an unknown account ( fraudulent one as follows ) and the following payroll dated on XX/XX/XXXX was wired to that account. 

Fraudulent Account : Routing Number : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX car was purchased, XXXX car was stolen, Santander was supposed to retrieve car they never did. Car was never repossessed placed on credit report as charge off. XXXX, Santander lost XXXX XXXX dollar law suite which I should be included in because of when my car was purchased and lost. XXXX has removed the loan from my credit report as well as XXXX  but XXXX  has yet to do so even with the evidence that it should be deleted permanently. Santander or the Attorney General of California have yet to make contact with me in regards of how I will receive loan forgiveness and/or compensation for lost vehicle. I am in the process of getting a high security clearance and this is hindering the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I requested a Security Freeze with Sagestream LLC for my credit file by fax and haven't gotten the pin number or letter stated that the security freeze was applied. So I sent a second request by certified mail that was delivered on XX/XX/2019 and here it is XX/XX/2019 and I have not received anything about my request and it's hard to get in touch with anyone on the phone to resolve this problem.
Product: Student loan

I 'm a XXXX and XXXX. 
My student loan has been sold several times, most recently to Navient. The original amount borrowed was XXXX dollars. 
I graduated in XX/XX/2006 and have been paying XXXX per month since, without fail, and my balance is XXXX even though I 've paid XXXX already. 
When I questioned them I was told that my payments was only being applied to the interest which was compounded daily, but now a portion would be applied towards the principal too.
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 XXXXXXXX Account name : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX Collections - Account # XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX and Account # XXXX XXXX XXXX Co - Account XXXX XXXX XXXX XXXX Associates - Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has reported XXXX XXXX to my credit file without my consent. Ive never had any dealing with XXXX XXXX. Transunion has violated the FCRA law 15 USC 1681B rule. I did not give Transunion written consent or permission to report this account to my credit file. Transunion has violated the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several things which need to be corrected. First of all, I do not remember submitting for a Consumer Credit Report but I have one that was mailed to me and one that the employer gave me before I was terminated from work. The other problem is I want a copy of a CRA that was signed by me for any job I have applied for or have had in the past. The other issues are the data that was provided is not correct and lacks information which should have been there but wasn't. There is only one issue on the CRA 's that I have but it is incorrect. If the CRA is going to put down an issue it should have given the employers sought a correct copy of the report with the correct issues. If these issues aren't taken care of as soon as possible I will commence a lawsuit against this CRA and another whom I have evidence regarding the employment issues which have led to my not receving any offers of employment. These employers are XXXX XXXX, XXXX, XXXX XXXX XXXX, and. XXXX XXXX  XXXX just to name a few. There are many employers which I know of but can't access their reports of why I can't get hired.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bankruptcy was discharged on XX/XX/XXXX. My mortgage was paid in full among completion. I have a XXXX balance based on the discharge, the Notice of Final Cure, and the Lien Release from Selene Finance. I already filed a complaint with the CFPB. The complaint # is XXXX. Selene acknowledged that I do not owe anything to them. They sent me a letter with the mortgage lien release and the response to the CFPB. My credit report is showing that I owe a balance of {$11000.00} & I was past due over 180 days. I spoke with Selene & was told to file a dispute and that they would fix the error. I filed a dispute with XXXX on XX/XX/XXXX and Selene responded on XX/XX/XXXX and just added notes to the account that I owe {$11000.00} and have been over 180 days past due over 4 times. Please assist me in fixing my credit report to accurately reflect that I have a XXXX balance and have not been past due for over 180 days. I paid the morgage thru the XXXX  XXXX Bakruptcy.