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

I am a victim of identity theft, also have been affected by the XXXX XXXX XXXX on a federal and state level. The following accounts are accounts that I have been affected by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX Experian has claimed to have verified this public record/bankruptcy via XXXX I have contacted XXXX concerning this bankruptcy and it has been removed from my XXXX consumer report, so how is this bankruptcy being verified at this point? The following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are addresses that came from this identity theft and I have never been associated with these addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX 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

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense XXXX XXXX XXXX  I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing an update to complaint # XXXX against XXXX and complaint # XXXX against SoFi. On XX/XX/2022, I contacted XXXX to find out why I have hard credit inquiries on my credit report, request a dispute, and start the error resolution process. XXXX insisted I had to contact SoFi to resolve it. XXXX refused to do anything but claim they would start a fraud alert. XXXX did not provide any documentation of the fraud alert. Since I should not have any accounts with SoFi, I felt reluctant to give up my personal information. I contacted SoFi to try to find out why they abused my financial information & placed hard inquiries on my credit report. Staff were able to identify some erroneous account information & claimed that SoFi would perform a fraud investigation and/or fraud review. On XX/XX/2022, I returned to my flat & saw envelopes from SoFi in my mailbox. I opened to see an actual credit card that erroneously claims I am a member since 2022. I had another envelope containing a pin # for the credit card. Since I already called SoFi on XX/XX/2022, & have not received anything documenting the reported fraud, I am submitting this regulatory complaint so that SoFi can understand that it is a serious violation to initiate a brand new line of credit and credit card through abusing an individual 's financial information. Please let me know what you find out from SoFi. Thank you, XXXX XXXX
Product: Debt collection

I had an account with XXXX XXXX in 2013 and I went in the XXXX store to pay my bill with cash and they told me that they don't accept cash as a form of payment. My plan was a prepaid phone account. So if I didn't make a payment in advance I wouldn't have any service so how can I owe a bill on a prepaid account. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act- XXXX XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX has violate 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
Product: Debt collection

I received a Civil Summons that was drafted on XX/XX/2024 that I was being sued for a delinquent credit card bill from XXXX XXXX for {$2200.00}. I thought is was from an illegitimate source due to unprofessional and threatening wording such as you have been sued!. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a senior citizen and am wary when people demand money from me so I did not respond. 

I then received a court hearing date through the mail postmarked XX/XX/2024 with a notice to appear in court on XX/XX/2024 at XXXX XXXX. After multiple phone calls to the court I received an email about setting up a XXXX XXXX hearing which was bizarre as I am not the Plaintiff here. I forwarded it to XXXX XXXX XXXX attorney who is suing me Ive attached all correspondence that clearly indicates that my rights as a citizen and a defendant have been dismisses and violated as I was not informed until after the fact of my court date. The notice was mailed on XX/XX/2024 ( included attachment ) The actual court date wasXXXX at XXXX XXXX I will provide more details as requested. This is the second time Ive written an explanation and it just disappeared from the screen.
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.

List of Unauthorized Inquiries : XX/XX/XXXXXXXX XXXX XXXX - XXXX 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: Mortgage

" Bank '', Wells Fargo, has never been and is not the Holder in due course and can not lawfully pursue foreclosure
Product: Debt collection

I contacted on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX and asked about the debt they had purchased and how I could get assistance with it XXXX On XX/XX/2023 they replied to my email and gave me their collection agency contact information Miguel A. Maza & Associates. I was asked to contact them and that they would be able to help with the payment plans. 

I contacted Miguel A. Maza & Associates on the XXXX of XX/XX/2023 and explained my situation to the person who answered the phone once I finished I was transferred to XXXX XXXX himself, this unethical lawyer after I explained that, that account happened right as the COVID-19 pandemic started and that on multiple occasions I tried to communicate with the company and explained that I was now unemployed due to COVID-19 pandemic but never got a response, I even tried calling but again never get a call back. I also asked him if we could work out a payment plan because I am still unemployed and basically get money off side works that I do therefore I couldn't pay the full amount in one payment. He proceeded to tell me that they dont offer payment plans nor settlements or any type of agreements. He told me to go get a job and that I was going to be sued for everything I have if I dont pay him the XXXX. This lawyer also told me that even if they did payment plan he wouldn't offer one to me because I couldn't pay it. He told me that Puerto Rico has plenty of jobs and that I need to get one. 

I am requesting a formal investigation because this is completely unacceptable from the start when I tried to get help from XXXX XXXX when XXXX first started to now where Miguel A. Maza & Associates refuse to help me pay off this debt and get it off my credit report but instead threaten to sue and take everything I own
Product: Debt collection

Sent two requests to validate collecting debt no response was received and XXXX and XXXX will still not remove item after proof of non-compliance was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern,From XX/XX/XXXX toXX/XX/XXXX, the credit card company named XXXX XXXX/XXXX XXXX  reported to the credit bureaus that I was late on my payments for 30 to 150 days. This information is incorrect because I specifically asked a representative to set up automatic payments on my account to avoid any delinquencies or past due amounts.The representative failed to set up the automatic payments; however, I wasn’t aware that the payments were not automatically coming out of my bank account. In addition, the company never sent out my bills in the mail nor did they attempt to contact me about my account. Therefore, my account should have never been reported as late because the company failed to do their job and inform the customer about any issues.
Product: Student loan

Ever since I graduated college in  XXXX  I have been unable to pay the full monthly payments on my student loans without significant help from my family. I have made multiple attempts to lower my payments t o Navient,  but they are either unavailable or I have been unable to find them.   Either   XXXX   XXXX   or   XXXX   XXXX   I was unable to make any payments at all, and unable to find any option for deferral I stopped paying and went into default. Since then,  Navient ha s harassed me, my family members, my friends and my employers. I 've been told by Navient that they handle all debt collection in house and do no sell debts to deb t collectors, a  month later they sent me a letter telling me that they were  going to hand me over to a debt collector if I did not settle my outstanding debt, and 2 week s later they called me trying to settle and claimed that I was not being handed over to a debt collector. During that conversation I was also told th at Navient " does  not lie '' which was a flagrant lie.   Before going into default I had a single federal loan ( all remaining loans are private ) o n 3 separa te occasions I ( or my mother ) sent payments with instructions that they be applied only to the federal loan, all 3 times the payments were divided among all of my loans, so we gave up that strategy of paying off smaller loans first.   Trying to recall the litany of lies and harassment I have received from Navient/  XXXX   XXXX   would be impossible. I have receive d 8 robot  calls per day, every day for a week. They have called my mother, my brother, my father and my boss, and probably others. I get strange calls even now that sound like scams ( "  act fast  to take advantage of special student loan forgiveness '', that sort of thing ) and when I get past the recordings and speak to a human being, they hang up as soon as I ask who is calling. They do n't send me mail in normal envelopes like a normal business. Mail f rom Navient comes i n greeting card envelopes ( no return address ) with the address written in a font that looks kind of like it was written by hand, but they seem to have their printer o n color sa ver mode, because the dither in the printing and the faint scan lines give it away.   Dishonesty comes as naturally t o Navient as b reathing does for the rest of us. I once accused them of being run, if not by the   XXXX  himself, certainly one of his   lesser  XXXX . I stand by that.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX XXXX # XXXX 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 card or prepaid card

I have a Chase Freedom Credit Card with last numbers XXXX, I made a charge for XXXX XXXX ticket travel to XXXX   on XX/XX/2020, because the COVID-19 all fly 's to XXXX canceled, that were I was going, I am XXXX years of age, I call Chase several times, upset because they simple don't want to heard my arguments, they ask me if I cancel my trip, My answer his yes, because was cancel by XXXX XXXX  thru XXXX. Al I request is to Chase to reverse the charge but they refuse to do it. Transaction # was XXXX for the amount of XXXX Hope you can help me looking forward to hear from you Thank you so much
Product: Credit card or prepaid card

XX/XX/2020 Maryland Bank of America Pre-paid Card application kept kicking me out whenever I tried to make an transfer-to-account transaction. All the information was correct. Called the Bank of America pre-paid customer service number XXXX. 
Was advised that card was closed not flagged by Maryland Dept of Labor, but by the bank. Verified all the information and security questions without hesitation, but because my mailing address was not of a Maryland. My residential address is but I've since became homeless, so I'm staying with relatives in FL. If Maryland finally approved my benefits after 7 long months of waiting now to be discriminated against by an agent for me to call Maryland unemployment which is known for not responding nor answering calls due to overwhelming claimants in the state currently. I was able to contact one agent from Maryland unemployment whom advised that if the state didn't hold the payment then it is the banking institute to allow usage within guidelines. But before the agent could get all my information the line disconnected.
Product: Debt collection

Recieved a letter from XXXX XXXX on behalf of Jefferson Capital Systems LLC in mid XXXX around the XXXX it was dated XX/XX/XXXX. I wrote them a letter of Debt Verification and mailed it XX/XX/XXXX certified to the address they gave. They have not responded and have listed it on my credit report illegally. I called them the day it was reported to my credit file asking them to remove the report until this was validated. The representative then hung up on me.
Product: Mortgage

XX/XX/2021 I reviewed two letters from Select Portfolio Servicing. One said it was looking into matter and the other gives response. Did not take them long to present fraudulent information because XXXX XXXX letter said they would look into matter and XXXX XXXX is the fraudulent response because it was threatening. First, it falsely states I asked SPS to close my escrow account. I never requested such. Then the threats continue in the letter that effectiveXX/XX/XXXX I will be penalized if by fines and penalties and my property will be placed in tax lien. 
1. How do I change loan servicing entities so not to be harassed and ripped off by SPS? 
2. Why the threats when I asked clarification on why sudden increase on my monthly loan payments by 200-300+ dollars? I needed explanation. 
3. In XXXX, XXXX County, Texas, there is a property tax exemption at age XXXX. I am XXXX and wanted to know why property tax increases and insurance is the most affordable in Texas. My monthly payments should not increase. This loan is fixed rate.
Product: Student loan

Hi there, In XXXX I took a student loan to finance my XXXX. In XXXX after I graduated I started looking for options to refinance as a lot of people do. I managed to get a great offer from Prodigy Finance. Back in the days I did not have many options as I was an international student on a work visa. They gave me a great rate, advertised as all the rest of the student loan refinance companies, refinanced my US student loan. 
3 years later, today, I am trying to refinance my loan again in the US. I am still working and living here. What I am coming to find out is that no US institution ( as least the 6 different ones that I talked to that refinance student loans- XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ) will refinance that student loan as Prodigy Finance is based in XXXX. 
I am stuck with a huge loan ( {$130000.00} ), high interest rate ( 5.62 % ), a lifetime change event ( had a baby ) that requires me to have more disposable income. All because Prodigy Finance did not disclose/advise this kind of information that because they are XXXX based one can not refinance the loan back in the US. A reasonable 30 year something person won't even know that this is a thing and that you need to ask this questions. They are a company that are refinancing US student loans for people living in the US. It is reasonable to assume that you should be able later to refinance your loan in US. I consider this to be highly misleading and fraudulent. They don't refinance their own loans, they don't want to renegotiate the terms and extend the term. 

I consider myself quite educated and financially verse. But a normal person won't ever assume that they won't be able to refinance their loan in the US if this is not explicitly stipulated somewhere in the contract or advertisement. 

I don't know if you can help me with anything with that and figure out my situation. But PLEASE make something about this company to proactively disclose this information to it's potential borrowers as people are STUCK with them and there is nothing you can do but pay the loan until you pay it off. 

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

I tried to update some information on my Transunion account and it is constantly locking out. I updated the email and username, several times, and it is constantly filled with bad information. It seems as though their customer service department is never able to address my issues. Furthermore, the information is constantly filled with typos and other misinformation. It seems as though there is a lag in their 2FA and my accounts passwords are constantly changing. The account seems to constantly get " locked out. ''
Product: Checking or savings account

On XXXX/XXXX/XXXX my account was overdraft XXXX and i was fee of XXXX dollars on XXXX/XXXX/XXXX i was fee again for XXXX dollars with no notifications where i have checked on my account to receive notifications. 
on XXXX/XXXX/XXXX i was fee again for XXXX dollars XXXX was fee again for XXXX dollars on XXXX was fee again for XXXX dollars XXXX was fee again XXXX dollars XXXX was fee again XXXX dollars I went to my fifth third bank branch to see if this can be forgiven knowing that i have a good credit standing, i paid off their car loans that was with them with a 5 % apr.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been forced to file a complaint with the Federal Trade Commission and the Office of the Comptroller of the currency due to XXXX 's misuse of their dispute practices. Previously, I disputed accounts from XXXXXXXX XXXX XXXX LVNV Funding,  and XXXX XXXX XXXX I disputed these directly with the companies as well as with all XXXX credit reporting agencies. XXXX responded to the XXXX XXXX dispute by reporting the account " Paid in Full ''. XXXX responded that the account was " verified ''. This is incorrect. They did not properly dispute any of these accounts and they are preventing me from re-initiating a dispute again with the updated information.
Product: Student loan

Aidvantage keeps placing my consolidated direct loan into forbearance, even though I have directed them on mutlitple occasions to not do so. I am a XXXX XXXX within XXXX XXXX  XXXX XXXX XXXX, and by Aidvantage  keep placing this loan into forebearance, they have robbed me of credits I would have otherwise received towards Public Loan Forgiveness ( PSLF ), resulting in the delay of PSLF receipt and increasing overall interest accumulation. Please see below timeline : XX/XX/2024 : Deferment applied, called same-day to remove the deferment and directed not to place this account into any deferment or forbearance. 

XX/XX/2024 : Deferment re-applied to account without my knowledge or consent. 

XX/XX/2024 : Discovered deferment applied to account, called to remove. Aidvantage rep would not answer my question about the 4 months of lost credit time for PSLF due to their negligence. 

XX/XX/2024 : Forbearance unilaterally applied to account by Aidvantage. Tried to call, but offices closed.
Product: Debt collection

I am writing to file a complaint against Self Financial Inc. regarding an unknown debt that has been negatively impacting my credit report. Despite multiple requests for debt validation, the creditor has failed to provide any documentation supporting the claim. 

The presence of this unverified debt on my credit report has severely hindered my ability to obtain credit. I have been unable to secure loans for essential needs such as housing, education, or medical expenses. Furthermore, the negative reporting has negatively affected my living arrangements and overall financial well-being.
Product: Credit reporting or other personal consumer reports

Upon viewing my credit report i have reviewed that I have an account from XXXX XXXX XXXX that is not my account. I also believe this is a result of identity theft and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency 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 by such agency of ( 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. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.