23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1. We were misled to believe that when making Biweekly payments the money we paid early would apply to principal, thus lowering our balance sooner due to the compounded effect of paying principal early. Instead, Ocwen simply pocketed the early payments and did not apply them to anything, using our money for free. 

2. We asked to cancel our Escrow account because OCWEN raised our payment to escrow when we did not have any change in taxes or insurance, and would not explan why they kept increasing the escrow payment. Ocwen responded that our loan to value was not high enough ( 75 % or less LTV ) they used the purchase price of our home that we paid in 2008 in the worst time in the market. We called their consumer ombudsperson and asked if there was a way to recalculate the value of the home based on the many repairs we have done, and the market improvement since then. They have not responded.
Product: Credit card or prepaid card

On XX/XX/2020, i made a payment of {$4700.00} to the credit card with XXXX   balance, resulting in a credit balance on the card. 

I requested this balance refunded to me. Chase agent told me they submitted a request, but the payment was never sent out.
Product: Student loan

As a student at XXXX, specifically XXXX, I was demanded to obtain partial student loans from XXXX and the remaining amount from XXXX. While in school, XXXX staff continuously demanded that I repay the loan while in school or suspended until the balance was current. In addition, although I completed all of the required courses and internships, my certification was withheld and has not been released to this date. Moreover, while at school, I was pulled from class on several occassions to discuss the status of the loan, when it needed to be paid, and what the repercussions would entail if I did not follow through with accurately paying on time. The US Department of Education finally approved my XXXX to repayment and cancelled the federal loans obtained while at XXXX. However, XXXX sold my account to XXXX and XXXX in the midst of CFPB 's law suit. XXXX is reporting the account as adverse, negative, and as a charge off on my credit report and refused to remove the reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have a link to TransUnion 's 'credit freeze ' page. They recently changed it to push people into their credit monitoring service and it 's now incredibily difficult to find the credit freeze link.
Product: Checking or savings account

On XX/XX/XXXX I used my Debit card ending in XXXX for a purchase of {$390.00} as debit. The merchant explained this charge may accidentally have been put through twice, however I did not see it pending on my digital banking tools ( Website or Mobile App ). I called PNC Bank on this day to explain to a representative the situation. The representative did not have record of this transaction either. I checked my PNC account digitally on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX diligently to make sure this possible duplicate charge did not cause me to overdraft however this charge of {$390.00} never showed up. Also, I made a mobile check deposit of {$1000.00} on XX/XX/XXXX to ensure if this charge was to have been duplicated that my account would not be overdrawn. To my surprise on XX/XX/XXXX I was charged 4 overdraft fees of {$36.00} each and noticed that the charge of {$390.00} was duplicated. I spoke to the merchant and they agreed to refund one of the charges of {$390.00}. Now at no time from XX/XX/XXXX to XX/XX/XXXX did my account ever show a negative balance on my online banking so I called PNC on XX/XX/XXXX to ask for the fees to be removed. I explained to the representative that I have a low balance email notification setup with a threshold of {$100.00} but I never received a notification saying my balance was less than {$100.00} so I asked the representative to explain why I received the fees as this is misleading based on the information provided to myself from PNC on my digital banking. The rep said there is nothing they could do. I think this is highly unfair as I proactively tried to prevent this and on top of that using the digital tools that PNC provides was unable to properly assess if I was in danger of overdrafting. I would like all 4 of the  {$36.00} overdraft fees waived.
Product: Credit reporting or other personal consumer reports

There are a copious amount of inquiries on my credit report that I did not authorize and are unrecognized. I have requested to the bureaus that these be deleted but they still show on my credit report. I am attaching the identity theft report I filed. 


XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX of XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX, American Express charged an annual fee to my XXXX XXXX XXXX XXXX, which is {$350.00}. I received notification of my statement on XX/XX/XXXX. According to the XXXX XXXX " we will refund this fee if you notify us that you are voluntarily closing your Account within 30 days of the Closing Date of the billing statement on which that fee appears. '' On XX/XX/XXXX, I downgraded my card to the XXXX XXXX XXXX XXXX, which has {$0.00} annual fee. I was informed that my annual fee would be pro-rated, but because I was not past the XXXX limit I was not concerned about this statement. Only {$340.00} of the annual fee was returned. 

On XX/XX/XXXX, I contacted American Express, who informed me that because I downgraded the card rather than cancelling my account outright, I am not entitled to a full refund of the annual fee. No where in the Cardmember Agreement does it stipulate any other terms for annual fee refund for downgrading the card. Furthermore, to the consumer, an outright cancellation of a product vs. changing to a different product are functionally equivalent. These terms are problematic, misleading and wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Businesses that provide consumer information to credit reporting agencies have obligations under the Fair Credit Reporting Act ( FCRA ) to ensure compliance with certain procedures and protect consumer privacy. Accuracy of Information is required by law. Businesses must ensure the accuracy of the consumer information they provide to credit reporting agencies. They should have reasonable procedures in place to verify the accuracy and completeness of the data they furnish. If a consumer disputes the accuracy of the information, businesses are obligated to conduct a reasonable investigation. They must review all relevant information provided by the consumer and correct or delete any inaccurate or incomplete information. The fact remains that the name reported by both XXXX XXXX XXXX as well as XXXX XXXX is not my legal name. The nature of the information concerning these accounts is also inaccurate. I have made numerous disputes with XXXX XXXX to remove the inaccurately reported information but with no success. My next step is litigation and this complaint is simply an opportunity to demonstrate before a XXXX XXXX judge or administrator that a final attempt is given to the offending organizations to comply with the law that oversees their actions. I provide with this complaint my American passport book and card as well as my apostille birth certificate bond. The legal first name is XXXX. THERE IS NO MIDDLE NAME. IF A MIDDLE NAME IS RECORDED IT IS XXXX  AS SEEN ON THE BIRTH CERTIFICATE BOND. There is no legal basis for the information being reported by XXXX XXXX XXXX XXXX XXXX XXXX and/or XXXX XXXX. The debt collectors XXXX XXXX XXXX as well as FORSTER & GARBUS LLP are utilizing this false information for personal gain. These debt collectors claim to represent these credit card companies but in fact they have purchased these debt obligations in an attempt to collect on them. FORSTER & GARBUS LLP in particular claims to represent XXXX XXXX by way of a default judgment in a XXXX XXXX XXXX XXXX yet is unable and/or unwilling to join themselves to a XXXX XXXX Supreme Court case where XXXX XXXX is named as a potential creditor. This is index # XXXX. The fact that XXXX XXXX and/or FORSTER & GARBUS LLP remains unable and/or unwilling to collect on a default judgment rendered almost four years ago speaks volumes to the frailty of said judgment as their claim is also subject to collateral attack. I reserve my right to pursue any and/or all offenders to the fullest extent of the law. I'd like to take this time to thank the men and women at CFPB for their efforts toward protecting the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXXXXXXBalance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

My name is said to be one of the millions of people that had personal and financial information hacked, in the Equifax security breech 2017. If anything should happen to my financial information or credit because of this breech, I want XXXX to be held responsible and to correct the situation.
Product: Credit card

Recently, I, allegedly, defaulted on a credit card by Capital One N.A. ending in XXXX and they sold my personal information to XXXX XXXX XXXXXXXX XXXX without my consent. My demographics and social security number was sold. I want to request for a full investigation whether they have a right to sell the information mentioned, and if they paid the taxes on this alleged debt when it was charged off or the excised tax that is due on a carry over basis. I don't think Capital one nor XXXX XXXX XXXXXXXX has the necessary forms on file with the social security administration. I have a reference for a similar situation that happened to someone else. The reference number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Product: Credit reporting or other personal consumer reports

I have disputed incorrect info twice to experian. Their results each time do not remove the incorrect info. On XX/XX/17 i faxed & uploaded info with my ID & my XXXX  info & ID as these accts belong to her, NOT me. XXXX XXXX XXXX XXXX do not show the incorrect info, only Experian. This is causing me to lose points on my credit score causing other accts of mine to lower my available credit etc. I dont know what more I can do to correct the situation that they refuse to correct. My XXXX  said these accts also show on her credit report as an individual acct
Product: Debt collection

i settled the alleged debt Bank of America claimed i owed. Settlement and setoff was made over 30 days ago via United states Post office express mail to Bank of America payment center, i have proof they received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a two-part complaint, I recently filed an Identity Theft Report ( report # XXXX, see attachment Exhibit 1 ) and a complaint against Experian, with the Consumer Finance Protection Bureau ( complaint ID XXXX ). Experian removed the fraudulent information that I reported, however they failed to remove an additional inquiry that was originally listed in the fraud report and complaint ( XXXX XXXX ), this inquiry was listed along with the other inquiries that Experian removed XXXX this inquiry was included in the fraud report and Experian failed to do their job in removing it with the other inquiries they removed. 

In addition. Experian updated my personal information section that was included in my previous complaint and did remove and correct addresses, however, they failed to remove ( XXXX XXXX XXXX XXXX XXXX ), I never lived at this address and is currently causing confusion on my credit report, this address should not appear on my report. 

Last issue, I spoke with XXXX XXXX XXXX on XX/XX/XXXX regarding a hard inquiry appearing on my credit report, the inquiry is dated XX/XX/XXXX. XXXX searched their records and could not find any information pertaining to this inquiry. 

XXXX instructed me to reach out to Experian to dispute the inquiry and they gave me a specific number to call, which was XXXX, this is the number they instructed me to call to contact a Rep at Experian. I called the rep on XX/XX/XXXX and she refused to do her job and gave me a hard time, which caused my stress level to increase. That being said, the above three errors should not appear on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that are present on my credit report. I have reviewed my report and have identified a number of items that are either inaccurate or unauthorized. I request that these items be removed from my report as soon as possible. 

The first issue is regarding an inquiry made by XXXX XXXX XXXX on XX/XX/XXXX. I have no recollection of authorizing this credit pull, and I demand that it be removed from my report. 

Similarly, I also dispute the inquiries made by XXXX XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX, as well as the inquiries made by XXXX and XXXX on XX/XX/XXXX. I have no recollection of authorizing any of these credit pulls, and I demand that they be removed from my report. 

Additionally, I dispute the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, as well as the inquiry made by XXXX  on XX/XX/XXXX. I have no recollection of authorizing these credit pulls and demand that they be removed from my report. 

I also dispute the inquiry made by XXXX XXXX on an account number XXXX. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Furthermore, I demand that this account be either fixed or deleted from my report completely. 

I also dispute the inquiries made by XXXX and XXXX XXXX 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, as well as the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no recollection of authorizing any of these credit pulls, and I demand that they be removed from my report. 

Moreover, I dispute the accounts associated with the following account numbers : XXXX and XXXX. I have never had any business relationship with these companies, and hence, there is no way that these accounts belong to me. I request that you delete these unknown accounts from my credit report right away. 

Lastly, I dispute the following personal information present in my report, which is incorrect : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX. Please remove these errors from my credit report as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I am enrolled in credit protection, I was approved for credit protection. Per the Credit protection ADDENDUM, Fortiva will make the minimum payments due for 6 months if need be.. Fortiva did not make the minimum payment XX/XX/2023 nor are they willing to make the minimum payment for XX/XX/2023. The minimum payment due XX/XX/2023 is XXXX they are willing to only pay {$88.00} leaving a balance of XXXX so they can report my account as late to the credit bureaus, Again. XX/XX/2023 my payment due was XXXX they made a payment XX/XX/2023 of XXXX left a balance and reported my account late to the credit beaureas. I disputed it with the credit bureaus and they sided with Fortiva. 
This is what is in their Addendum. i copied ands pasted it. 

Minimum Payment Benefit : During a Minimum Payment Benefit Period, your responsibility to make a minimum payment on your Account is eliminated ( excluding any past due or over-limit amounts ) as a result of your activation of a Benefit for Involuntary Job Loss, Disability, or Hospitalization. We will not bill your Account for Fortiva Credit Protection Fees, and we will make any minimum payments due on your behalf during the Minimum Payment Benefit Period. However, finance charges will continue to accrue during the Minimum Payment Benefit Period. Any scheduled annual fee provided for in your Agreement will be deferred until the Minimum Payment Benefit Period has ended. Once the Minimum Payment Benefit Period has ended you will be obligated to repay the amount outstanding on your Account, including any charges posted during the Minimum Payment Benefit Period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a RV Loan with XXXX XXXX  that was initially in XXXX. In XXXX, XXXX XXXX  offered its clients the option to participate in a XXXX deferred payment plan. I participated in the plan for the months of XXXX, XXXX, XXXX and XXXX. At the moment clients are enrolled in the plan, I was not notified that it would withdraw me from the automatic draft. As a result, a late payment in XXXX is being reported on my credit file as well as late payments for XXXX, and XXXX of XXXX. I was equally disturbed that my credit file indicated that a late payment was reported 30 days late for the same month of XX/XX/XXXX. For me, this was is a concern, as it is not possible to be 30 days late within the same month. Indeed this represents an error. 
I was enrolled in the automatic draft ACH payment and was told, XXXX XXXX  was unable to process a payment in XXXX, XXXX. XXXX XXXX  indicated that they made an attempt to contact me via phone as this dis-enrolled me in the automatic draft system. XXXX XXXX  did not indicate the reason why the draft was not completed, and also did not suggest or prove that it was due to insufficient funds. I did not receive a call, nor did I receive a letter that I was not enrolled in the plan and as such, XXXX XXXX did not withdrawal the proper payments from my account and thus reported my account as being late to the credit bureaus. XXXX XXXX  indicated, that they sent mail during the pandemic, however US Mail delivery options were often reduced, limited, mis-delivered, or any mail not sent via certified is not guaranteed delivery during the pandemic. 

Attempts to contact XXXX XXXX during the height of the pandemic were met with multi-hour wait times, call disruptions, disconnections or being transferred to multiple specialist with further call cancellations. As of XX/XX/XXXX, I had to call and request a digital copy of the deferment letter.
Product: Student loan

My XXXX XXXX XXXX were transferred from Navient to XXXX in XXXX XXXX  XXXX. 

Due to the Covid pandemic, automatic payments of these loans were ceased back in XXXXXXXX XXXX  XXXX. 

After the initial pandemic dust had settled and trying to knock out my lowest balance loan, I resume electronic payments to my loan servicer at that time Navient. I set up a monthly {$110.00} payment to Navient starting in XXXX XXXX XXXX. I utilized my checking account that I had setup for automated payments of utilities, insurance, etc. 
Back in XXXX XXXX XXXX, my lowest balance load, from XXXX, had a balance of approximately {$720.00}. While I meant to stop automatic payments to Navient after XXXX XXXX XXXX ( the loan would be paid off by then ), I neglected to do. 

I didnt realize that I had continued these automatic payments until this weekend ( XX/XX/XXXX ) while preparing to setup the resumption of load payments, this time to XXXX. Logging into XXXX I discovered that there was no record of any of these ( XX/XX/XXXX to XX/XX/XXXX ) payments within the history that was transferred to them from Navient. The XXXX XXXX XXXX XXXX, as of XXXX XXXX  XXXX, still had a balance of {$710.00}. 

I contacted XXXX about this at XXXX. The customer service person said that I needed to contact Navient about these unrecorded payments. 

I then contacted Navient. I did this after attempting to logon to the Navient website. Any way I entered my information, the site could not find my account, so I had to call for further research. The Navient operator took my name, my full SSN and my account #. She was also not able to find me in the Navient system and told me to contact XXXX. 

I finally contacted my bank ( XXXX ) and asked them about the actual payments themselves. The customer service person said that they were paid electronically ( a paper check was not generated and mailed ) to Navient and that they all appeared to be processed. 

My desire would be to have my {$3900.00} Navient payments applied to my current student loans serviced by XXXX, but I dont know how to get these payments recognized by Navient or transferred over to XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have enclosed supporting docs to support my dispuite on XXXX XXXX