23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The following company informative research applied several hard inquiries to my credit report without my knowledge.
Product: Credit reporting or other personal consumer reports

There was a data breach and my credit was compromised.
Product: Student loan

I have been trying to work with Navient about lowering my students loans for months now. I have called and faxed documents to my advocate their with proof that I do not have enough to pay the full amount of the loan but need to lower the payments. They requested my mothers expenses which I provided as well proving we do not have the full amount and can not afford the full payment asking for them to help. They have refused to help me, they denied my claims and said I need to figure out a way to get the money. I was told to get a second job or ask family and friends to help pay my loans. I have filed a complaint with the Attorney General of NH and I have not got anywhere. I want to pay my loans but I am asking them to reduce the rates but they will not help me out at all. I have done everything they asked but I am at a loss now. I have been threatened, harassed by them several times a day and my mother has also. I need help with this and can not get anywhere with Navient. I have documents to prove/backup everything.
Product: Credit reporting or other personal consumer reports

My mortgage was initiated with XXXX XXXX XX/XX/XXXX. I was told by the XXXX XXXX in XXXX my loan would be transferred to XXXX XXXX  so the payment I make would be transferred. I called to ensure I was paying in advance to get the option to pay every two weeks split payment of XXXX. 
I made a payment to XXXX XXXX for my first month on XX/XX/XXXX. XX/XX/XXXX I received my payment disclosure showing a discrepancy which I contacted XXXX XXXX to discuss the transfer amount. 
I paid XX/XX/XXXX in full for XX/XX/XXXX which the account was due at that time. I contacted XXXX XXXX  which they said I pay in advance so I am always ahead. 
Moving forward, XX/XX/XXXX I have autopay in which the FIRST payment was MISSED, but I was already in advance. 
My next withdrawal occurred with no problem for that month. 
I checked my credit and it showed I was delinquent which in fact I was already paid in ADVANCE. 
I contacted XXXX XXXX which a supervisor. Stated they would resolve this and you are not late. 

I then inquired about the option to safeguard my credit using forbearance but I NEVER SIGNED since I didnt want to use it since my credit was already impacted. 
I waited for the representative to contact me back after 2 weeks I contacted them back with no changes and no documentation noted, I proceeded to mail all the documentation to the creditors and XXXX XXXXXXXX on or around XX/XX/XXXX. 
I paid on time, the servicer then still reflected my credit inaccurate along with my payments applied correctly, stating they only see the escrow payment transfer from previous company. Please see my payment for escrow ( XX/XX/XXXX ) and payment for mortgage on XX/XX/XXXX. 
The company took my escrow and applied partial half payment to my payment for month of XX/XX/XXXX, then reported me as late for full month XX/XX/XXXX. I paid the balance XXXX for partial they stated was late asking them to have accounting contact my first servicer, XXXX XXXX and find why my payment is showing late if I could ONLY GET ON A BIWEEKLY PLAY IF YOU PAY IN ADVANCE A TOTAL OF 1 MONTH PRIOR. 
I paid over {$15000.00} for XX/XX/XXXX for next SIX MONTHS. 
The company then said I was on a forebearance plan and would not report my credit as paid even though I PAID AND NEVER SIGNED ANY DOCUMENTS. My credit reporting accounts shows late indicator 1 which is 30-60 DAYS LATE. 

I never signed forebearance documents ; I paid advance 1 month prior to start of loan on XX/XX/XXXX but my credit now dropped XXXX to XXXX overall.
Product: Checking or savings account

XXXX year premier customer, XXXX credit score, my husband passed unexpectedly. As a grieving widow I am shattered and very disappointed in the handling of my account. We have a joint checking account and use the same login to pay bills. I was told by the XXXXXXXX XXXX office, XXXX that, everything will remain the same with my checking account. It did not. I have auto pay for most bills. This was wiped clean when his account was closed. Why was it not transferred or made available to me? I brought in all Will/trust/Executor information. I had XXXX in person meetings the past XXXX weeks and, spoke with XXXX people on XXXX. XXXX XXXX XXXX XXXX opened claim : XXXX Do not tell me how much you value my business and feedback and then tell me it will take XXXX  days to look into this. I was not told that you can move the bill pay data to my new login. This is what I need Now! I need to pay my bills. 
Why can u not assist a widow at the most vulnerable time in her life? I thought BOA was better than this. I was wrong. 
XXXX XXXX
Product: Debt collection

Springoaks has degrogatory remarks on credit report, never received anything from these people, never given right to dispute or validate, im tired of all these companies getting away with reporting whatever damaging my credit..im on XXXX and tired of it all by ALL these people.
Product: Money transfer, virtual currency, or money service

Someone is using my email address to send money from paypal to another person. I do not have a paypal account. I received an email from pay pal saying a person named XXXX XXXX used my email address ( XXXX ) to send {$240.00} to a person named XXXX XXXX 0n XXXX the receiver email address was XXXX I contacted paypay, they gave me the run around, wasn't able to get to the bottom of problem. This sounds like an illegal money transfer using my email address. My name is XXXX XXXX. my email address is XXXX. I would appreciate any help in this matter. Thank you
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for Apple credit card with a promotion that applied {$100.00} credit if applied for card before XX/XX/XXXX and make any purchase within 7 days. 

Apple delayed approving card until XXXX and now says I missed promotional date. Will not apply credit. Note I did make immediate purchase per terms within 7 days. 

I believe I met their deadline in good faith and it was their delay which moved me past deadline. 

I even offered a {$50.00} compromise. 

XXXX XXXX
Product: Checking or savings account

My account was locked by Capital One after my small business received funding assistance for payroll, merchandise, and distribution. Attached are the documents requested per Capital One. 

As a customer of Capital One for many years, I am distraught and saddened to see that many other customers who run businesses have also had to go through this tumultuous ordeal when the Pandemic was already very hard on us just trying to help our businesses succeed. 

These businesses have employee, family members, distributors, etc- all who rely on our business to survive, so you can understand the frustration and dismay that comes with Capital One harming small business such as mine. I have encounter hundreds, if not thousands of people who have expressed the same issue, even some who are starting class action lawsuits who perceive this to be a violation of CFPB rights. 

Nonetheless, I have obliged per the request of Capital One and attached are the necessary documentation. 

I have a small business and it is fairly easily to establish the legitimacy of my business just by simply searching my name or my business, absolutely disgusted with Capital One for their baseless accusation and how they have handled this situation. I do understand inquiring to some businesses but it is wrong to attempt to Harass, intimidate, and vilify small business for no other reason than needing assistance.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Tuesday, XX/XX/2021 XXXX : Collection unknown bill from XXXX XXXX XXXX Dear XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX shows up on an XXXX  credit report as trying to collect a bill about which I have no knowledge. They list {$750.00} from Capital One NA. I know nothing of anything I may owe or even ever having used Capital One NA. 

I would like any verification that I owed anything to Capital One NA and when this was assumed and for what the bill was generated. 

If XXXX can not verify this claim, I want the claim erased from my credit reports. 

Thanks for your help. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report again the following accounts are fraudulent and need to be deleted/removed all XXXX  accounts I have notifications that someone is opening XXXX  accounts in my name
Product: Mortgage

I tried to refinance my XXXX loan with Rocket mortgage, after being approved for loan and having appraised I was told to make repairs I made repairs and asked for final inspection several times The never responded and never sent appraiser out allowing the rate lock to expire twice. They then said that it to too long for the appraiser that they did not sent out to return and my credit rate had drop, which was because I used credit cards repair they ordered that our city inspectors said was not required. I believe that Rocket Mortgage is using low ball appraisals and fake repairs to keep XXXX people in what they deem undesirable areas to refinance and access the equity built in their home, the loan # XXXX. I had everything in order on time to close loan and they still denied my refinance because the keep pushing back the closing date
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$490000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. 
Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job
Product: Credit reporting or other personal consumer reports

I spoke with TransUnion about some fraudulent inquiries on my consumer report. However I was advised that these 9 inquiries will be removed within 24 hrs. 

On XX/XX/year> a letter was issued File number XXXX and I received the investigation results that the item 's was removed from my report. 

On XX/XX/year> I checked my report and the items were placed back. I was not aware nor did I receive a letter stating why they were replaced back. I called TransUnion again On XX/XX/year> and had no luck resolving this issue I was told it was a computer gitch. I tried to explain to them I spoke with an agent and they advised me they would be removed and I have the disputed letter stating they were.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. I again checked into my credit report and there are items on my credit that are not mine. I've reached out to the FTC and to my local police department and am doing this on my own, please have these items removed from my credit report XXXX XXXX, XXXX XXXX  XXXX. XXXX XXXX/XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX.
Product: Money transfer, virtual currency, or money service

I've been looking to dispute with this for a while but wasn't sure how or to whom. In XXXX I thought I was donating {$500.00} to a non profit school  that turned out to be a scam and requested a refund from receiver and the company to contact the receiver because me still thinking is legit wanted to file taxes on what I did. I honestly waited because the communication and lack of options to turn to became overwhelming. I've disputed others but my main complaint is not just receiving proper communication but also their representatives not giving accurate or informative resolutions, Ive had two smaller disputes with them that they clearly needed to credit me or resolve with the receiver and nothing was done at all.
Product: Credit reporting or other personal consumer reports

Please view attachments. Please report correct information to consumer reports.
Product: Debt collection

I received several calls from a company called IC Systems. The calling telephone number was XXXX. The person calling contacted me on my hospital on-call telephone ( I 'm a doctor and was on call ). I asked what it was regarding and the person said " a personal business matter ''. I informed the caller that if this call was not pertaining to a medical emergency or related matter, that it would be inappropriate to use this number. The person ignored this and went on to ask me a barrage of rude and intrusive questions. I firmly asked the person not to contact me again. I then sent a letter to IC Systems address on the internet : I.C. System, INC. 
XXXX XXXX XXXX XXXX, MN XXXX One week later, I received another phone call from them. The same result. Two weeks later ( today ) I receive another call ( from a XXXX ) in the middle of my work day. They gave me no information about what they are calling about, and are rude, intrusive and demanding and, moreover, calling a restricted number for emergencies only.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in Experian and creditkarma and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date,, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00} DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX Balance {$6500.00} DEPT OF EDUCATION/XXXX  XXXX XXXX Opened XX/XX/XXXX Balance {$3600.00} DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$790.00} DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX Balance {$1400.00} DEPT
Product: Debt collection

The company Bridgecrest has repossessed my car without validating that the debt belongs to me. I had communicated with them over the phone and sent a certified mail addressing the need for them to verify the debt that they claim I allegedly owe. So now, I do not have my property, my car, as they illegally repossessed it. I received a mail saying that if I do not pay Bridgecrest, they will sell my car.

According to 15 USC 1692G, it states that " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor '' I have not received either of the following from Bridgecrest, so they have violated this Congress law.
Product: Credit reporting or other personal consumer reports

I am requesting a thorough investigation into these unauthorized transactions and kindly ask for your prompt assistance in resolving this matter. I understand that unauthorized access to my account is a serious matter, and I trust that your institution will take the necessary steps to rectify the situation.
Product: Debt collection

I am writing in response to your [ letter/phone call ] regarding the collection on my credit report. I am requesting that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : XXXX. Proof that I owe the debt : The name and address of the original creditor, the date the debt was incurred, and a copy of the original agreement. XXXX. The amount of the debt : An itemized statement of the account, including the principal, interest, fees, and any other charges. XXXX. Proof of your authority to collect : Documentation showing that you have the legal right to collect this debt. I request that all communication regarding this matter be in writing and that you cease any further contact until you have provided the requested validation. Thank you for your prompt attention to this matter. Sincerely,
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : I made the payment on time, but it was incorrectly reported as late due to a processing delay by the XXXX XXXX. I have attached my bank statement showing the transaction date, which clearly indicates the payment was made before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Mortgage

I paid my XXXX mortgage payment on XXXX XXXX and confirmed the payment was received and processed by Seneca on XXXX XXXX. My mortgage is now being reported as late to my Credit Report which is false and XXXX is harassing me my phone to demand payment. I still have not received any documentation from Seneca about redirecting my monthly payments. I received an odd e-mail from XXXX Mortgage on XX/XX/XXXX claiming that my mortgage had been transferred. This is the first notice that I have received about this issue. I refinanced with XXXX two years ago and my loan is now with Seneca Mortgage, they have proved to be a disorganized mess. I have not received any information from Seneca about the transfer and I have not received the package that XXXX claims to have mailed to me. I responded to the e-mail the same day stating that I would not change my monthly payments until notified by Seneca. XXXX has not responded. I had a similar issue the first year of my mortgage ( XX/XX/XXXX ) with XXXX different lenders claiming to own my mortgage. I had not received anything from XXXX XXXX XXXX. Unlike Seneca, they answer their customer calls very quickly and they verified by phone and e-mail that the information was a fraud attempt to get customers to redirect their payments. I have been on the phone trying to reach Seneca 's joke of a customer service since receiving the e-mail and hung up several times after being on hold for 20+ minutes without anyone picking up the call. I have already processed the payment for the XXXX payment to Seneca. My mortgage is up to date and should not now being reported as past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please remove/block the following account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Date Opened : XX/XX/2019 Balance : XXXX