23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I graduated from XXXX XXXX XXXX in XX/XX/XXXX with a 2 year XXXX degree in XXXX XXXX XXXX. The degree did benefit me with work from XX/XX/XXXX until the closing of the school in XX/XX/XXXX. Following the announcement of the closing, my job prospects have evaporated. No one has officially stated that my degree is now invalid, but the fact that job offers disappeared seems to be more than a coincidence. In XX/XX/XXXX I contacted the PA Attorney General 's office, requesting that this office please assist me with having my remaining loan with Navient dismissed due to the closing of my school. Ms. XXXX XXXX responded, stating that the Bureau of Consumer Protection had received my request. She continued by informing me of the lawsuit filed against Navient by their office on XX/XX/XXXX for such matters as I was dealing with. We corresponded a couple of times and spoke by phone once. I felt that they understood my issues with Navient and would represent me should I have to also file a lawsuit. Unfortunately contact with the Attorney General 's office ended in XX/XX/XXXX, for reasons unknown. 
Since XX/XX/XXXX my federal student loan has been deferred under the Income Driven Repayment ( IDR ) plan, accruing interest on a {$10000.00} outstanding loan amount. My monthly payment has been {$0.00} since XX/XX/XXXX. Currently the accrued interest amount on my loan of {$11000.00} is $ XXXX 4.750 %. When I left school in XX/XX/XXXX my  fixed interest rate on the remaining balance of {$17000.00} was 2.50 %. Each year that the IDR is renewed, the interest rate is adjusted to the current interest rate. This XX/XX/XXXX I received a notice from Navient that I needed to reapply for IDR or payoff my student loan. I contacted Navient, making them aware of my financial situation and to request that my student loan be dismissed due to the closing of the school and nullified value of my diploma. I was denied a dismissal, but instructed on how to reapply for the IDR. As of XX/XX/XXXX I received a notice from Navient, stating that my IDR had been approved and information would be sent following XX/XX/XXXX. 
I request that Consumer Financial Protection Bureau please advise in what action I may have available for my situation with Navient, in regard to my dismissing my student loan. 

Thank you, XXXX XXXX
Product: Mortgage

I submitted a partial payment of {$1400.00} to be applied to my mortgage payment. The money was placed in a " Suspense Account ''. I qualified for a loan modification and after the modification was complete, the money in my " Suspense Account '' was robbed from my account and reclassified as " Eligible Servicing Fees ''. As I understand from the holder of my loan, XXXX XXXX, no fees should have been charged nor should my " Suspense Account '' have been depleted for such fees. XXXX XXXX and Ditech have both received the same documentation. Please review my claim and contact me if you need additional information. 
Thank you for you attention to this matter. 
Regards, XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

Public record listed on my credit report is not mine! The evidence attached will show it is not my name!
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized hard inquiry reported on XX/XX/18
Product: Credit reporting or other personal consumer reports

15 USC 1681a Definitions ; RULES OF CONSTRUCTION ( XXXX ) Exclusions. -Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include ( A ) subject to section 1681s- 3 of this title, Any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Transactions should not be included on my consumer report if they are not accurate, verifiable, or complete. 

15 USC 1681 ( A ) ( i ) -exclusions- except as provided in paragraph ( XXXX ) the term consumer report does not included ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report, The late payment on my ( Dept of education/XXXX  ) account should not be included in my consumer report because according to the consumer law they are transactions and transactions are excluded from a consumers file. Please update this late payment to PAANL ( PAID AS AGREED NEVER LATE ) and update my payment history " ok ''.
Product: Credit reporting

I am not familiar with XXXX Acct # XXXX XXXX I never apply for this kind of credit Look like some one do FRAUD
Product: Credit reporting

My credit acceptance account says late XXXX payments. That is not true. It was 6 months then there was a payment arrangement made with this creditor For XXXX per month from XXXX thru when the account was caught up. There was never a re written document to show with this payment arrangement I would be considered late for XXXX payments.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I had received a mail from the IRS that someone tried to file taxes under my name, I start doing investigation and start getting all the call from those companies, I called my lawyers that is how I found out I am a victim of identity theft. I filed a complaint with FTC. 

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Achieve, XXXX XXXX XXXX  XXXX account, and XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am contacting you to request updates and corrections to my personal information as currently listed in your records. The accuracy of this information is critical to me, and I appreciate your prompt attention to this matter. 

Please make the following updates to my personal profile : Address Update : Kindly update my residential address to the following : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX Name Correction : Please correct my name to reflect the following accurately : XXXX XXXX Social Security Number Confirmation : For your records my sole social security number ends in:XXXX Date of Birth Confirmation : My correct and only date of birth is : XX/XX/ Telephone Contact Update : My current and only phone number is : XXXX Furthermore, I request the removal of all other addresses associated with my profile that are not deliverable by the U.S. Postal Service. These addresses are inaccuracies and, as such, should be deemed non-reportable under the Fair Credit Reporting Act ( FCRA ). Enclosed, please find copies of my driver 's license, Social Security card, and proof of residence to assist in verifying my identity and supporting the requested changes. I trust that these updates will be reflected promptly and accurately. Should you require any additional information or documentation, please do not hesitate to contact me directly.
Product: Debt collection

I have been advised that I had a delinquent account with XXXX, I called XXXX, they sent me to a brick & mortar store I went there and was advised I do not have an account with XXXX. I had an account with XXXX but it was a business account, and it may have been bought by XXXX but nobody could confirm the account or the debt or when was the debt acquired. My XXXX account was a business account for the law firm and closed with a {$0.00} balance. I do not have XXXX had them for 6 months and ported my account over to the cable company, it should be noted an account will not be ported over if it has an outstanding balance, thus I could not have ported my account to XXXX if there was a balance. I have repeatedly requested validation of the debt as per the FDCPA, no validation or information has been provided for XXXX XXXX but they have tapped my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My only complete accurate and full legal first and last name is exactly XXXX XXXX XXXX XXXX My only complete accurate address is XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX. My only complete accurate and full legal social security number is XXXX. My only complete accurate and full date of birth is XX/XX/1986. My current Employer is XXXX.
Product: Mortgage

I keep getting notices from my mortgage company that I dont have an XXXX policy, which I do. I verified on my account via their website that they know who my insurer is. At my first notice, I contacted my insurer and stayed on the phone with them as they faxed my mortgage company my policy. At that time, I also verified that they had the correct contact info, loan number, etc. They already had that information and their system auto sends that to the mortgage company, but either way, it was faxed that day. 

Second notice : I called the mortgage company to ask why I was getting notices. They responded that the notice wasnt for my XXXX policy, but for the condo associations master policy that they had since received and no further action was required. At this time, I also verified that they had received the XXXX policy, which they had. 

Third notice notified me that the mortgage company was going to purchase an XXXX policy since mine had expired and that they would charge me for it and that it would cost me more money. This has occurred over several months. I can not resolve this on my own. Their customer service says one thing, then I receive notices that Im non compliant in the mail. I need help. The company is NEWREZ LLC
Product: Prepaid card

I purchased a XXXX gift card from XXXX for {$500.00} - I was unable to use it and I called the number on the back of the card and they said that it was not activated. The gift card representative told me to fax information on the front and back of the card, as well as any receipts. I faxed this information to the gift card company on XXXX. This morning, on XXXX, I logged onto the gift card management website at XXXX and found that all of the funds from the gift card have been used with the following retailer : PURCHASE XXXX XXXX # XXXX XXXX CA XXXX ''. I did not make this purchase - I would like to obtain some kind of refund of the {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.

15 USC 1681 states that I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 states a creditor may not treat a payment on a credit card account on an open consumer credit plan as late for any purpose.

For this account, upon creation Automatic Payments were immediately established and set to pay off the entire statement balance at the end of each month. Essentially, late payments were intentionally rendered impossible by me on this account.

I was never later on the paid off account listed above. Please provide documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit reports. 

This is an invalid late payment. 

The FCRA allows 30 days for this to be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making payments to XXXX in regards to bringing my past due account current. I was told by a customer service rep at XXXX upon agreement that as long as I am making payments according to the agreement to bring my account current, that I would not be reported any further delinquent on my credit report. I recently received an alert that I was reported 120 days late and I have made payments on- time according to the agreement with XXXX . They have therefore reneged on their part of agreement with me to not report my account any further delinquent when I have made payments on time according to the agreement set forth 2 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$960.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$960.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on XXXX XXXX XXXX, I sent in writing my refusal to pay a debt and demand them to stop all communications with me and requested inaccurate information that is reported on my credit report to be removed immediately. my rights as the law 15 U.S. Code 1692c ( c ) states below was exercised ; 15 U.S. Code 1692c ( c ) Ceasing communication " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, '' I also stated in writing several times that the information is inaccurate. I have a total of 30 months of payments of {$180.00} equaling a total of XXXX the original amount of the loan is in the amount of {$4600.00}. they continue to report negative information that is inaccurate. 
They repeatedly contacted my neighbors, my landlord, my employer and my family several times after I sent in writing to cease all communication and to stop reporting inaccurate information and remove themselves from my credit report. They continue to report the inaccurate information.
Product: Mortgage

The company PHH Mortgage formally known as ocwen is NOT reporting our payments to the credit bureau. when I applied to refinance my home, it was denied by them because I filed for bankruptcy in XXXX. I can't refinance because their system says that I am behind in my payment since XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

CENTCREDSERV reported that I owe   XXXX   different medical bills   XXXX    for {$77.00} and another for {$79.00}. I spoke with them and gave them my information and they realized this incorrect and they had reported it on my credit wrongly. They said then I have to call their   XXXX   branch to resolve this even thou the number on the credit report was the one I called to get them not their branch in  XXXX . The number they gave me was  XXXX  and every time I call it keeps saying, " due to high call volume we can not answer your call. Please leave a message and we will call you back ''. I have left now 6 messages over the last 3 days and no call backs. the number they gave me just keeps saying the same thing. I called back CENTCREDSERV and told them that the number they gave me is no good and their reply was " keep trying '' I told them why should I keep trying that number when the contact number on my credit report shows this one I am talking to you on now? they would not answer and just kept pointing me to the other number. They will not help.
Product: Credit card or prepaid card

My account was closed XX/XX/2020 by the Company without cause as I was making my payments on time. After closing the account I continued to make payments on the account in good faith as I had utilized the card. This closure has not only affected my credit but it has caused a hardship. During the months after the closure of the card the economy suffered loss which ultimately affected my ability to pay on time. My employer payroll date is between the XXXX of the month. I requested a changed of my due date however was told that I could change the due date as the account was closed. However I was told by XXXX Senior Account Specialist that the terms of the account are the same. But I am consistently being assessed a late charge and unable to change the payment due date due to the account being closed. This company is taking advantage of the economic downfall and my inability to pay prior to the XXXX of each month. I was advised prior that a representative was changing the billing cycle on my account to assure that late fees were not being assessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit file dated XX/XX/XXXX, 2017 I received an update to my XXXX credit report from XXXX XXXX. The report was updated to show the account is now reported as closed, balance is now XXXX, amount past due is now XXXX. as well as the account history codes are now 1. The problem now is that I called Experian and XXXX to inform them of the update, and they said they were not going to investigate this account again, I faxed them a copy of my updated account with XXXX. The representatives informed me that they reached out to XXXX XXXX in order to get corrected updated information, and XXXX XXXX REFUSED to update the account with those credit bureaus. I am including my updated credit report as proof of my documentation
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit report. After requesting all 3 bureaus to conduct a proper investigation referring to several Accounts shown on my credit report with multiple discrepancy 's and inaccurate information not matching in all 3 bureaus that have never been authorized by me. Surpassing way over 30 DAYS only One Bureau ( XXXX XXXX ) has taken action into removing these ACCOUNTS my FTC REPORT has been filed and attached below reporting the un-authorized accounts that have been furnished on to my credit report with out my consent! The other two bureaus have still failed to remove these accounts if one bureau was unable to verify these inaccurate accounts and remove them as displayed on my dispute results received VIA mail. I demand the other two bureaus to do the same makes no sense for them to still be reflecting on two bureaus while being DELETED from one. Credit bureaus have surpassed 30 days and have failed to take action in to responding or removing these accounts OR conducting a proper investigation according to the FCRA! This is now ground for removal. 

ACCOUNT NAME - XXXX XXXX XXXX / ACCOUNT # XXXX ACCOUNT NAME - XXXX XXXX XXXXXXXX / ACCOUNT # XXXX XXXX5 U.S. CODE 1681b ( 2 ) I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report if so I have asked them to provide me proof and they have also failed to do so now after 30 days which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEF.. Therefor The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 168c-2. ( ACCOUNT NAME / ACCOUNT #. ) Based on, 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later then 4 business days after the date of the receipt. These ACCOUNTS should NOT be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b - Permissible purpose of consumers reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency 's WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of these accounts IMMEDIATELY!! 

I XXXX XXXX DEMAND XXXX AND EXPERIAN TO UPDATE MY REPORT AND REMOVE THESE ACCOUNTS MATCHING THE DIPUTES RESULTS RECEVIED BY XXXX!