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

I am writing to formally lodge a complaint against XXXXXXXX XXXX for incorrect credit reporting and what I believe to be predatory practices in relation to my mortgage account. 

In XX/XX/XXXX, I was granted an unemployment forbearance that was effective from XX/XX/XXXX, until XX/XX/XXXX. However, I received a letter dated XX/XX/XXXX, stating that I had a late payment recorded from XX/XX/XXXX. As a result of this, I was shocked to find a XXXX late payment indicator on my credit reports from the major credit bureaus for XX/XX/XXXX. 

Following the conclusion of the unemployment forbearance, I was granted a loan modification that took effect from XX/XX/XXXX, to XX/XX/XXXX. I made all required payments during this time, yet my credit reports from the XXXX major credit bureaus reflect XXXX late indicators for these dates. 

I am highly concerned about the following issues : 1. The 120-day late payment indicator for XX/XX/XXXX, which should not have been reported due to my unemployment forbearance. 
2. The subsequent 150-day late indicators and beyond, which seem to be erroneous given my forbearance and loan modification. 
XXXX. Additionally, for XX/XX/XXXX, I made my payment online on XX/XX/XXXX, yet I received a 30-day late payment indicator reported to the three major credit bureaus. 

These inaccuracies have significantly impacted my credit score and financial wellbeing. I believe these practices may violate the Fair Credit Reporting Act and potentially indicate predatory behavior on the part of XXXXXXXX XXXX 

I request that your office investigate this matter and assist in correcting the inaccuracies on my credit reports. I have attached copies of relevant documentation, including the forbearance agreement and payment records, for your review. 

Thank you for your attention to this serious matter. I look forward to your prompt response and assistance in resolving these issues. 

Attachments : 1. Copy of the unemployment forbearance agreement 2. Copy of loan modification XXXX. Proof of payment on XX/XX/XXXX Please let me know if any further information or documentation is required to facilitate the investigation. I appreciate your support in rectifying these discrepancies and protecting my consumer rights. 

Thank you once again for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

There are inquires on my report that I did not authorize and must be removed immediately. 

XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX  XXXX XXXX XXXX XXXX XXXX  ( Finance XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXXXX/XX/XXXXXXXX  XXXX XXXX XXXX  ( Auto ) XXXX XXXX XXXX XXXX XXXX  XXXX ( Bank ) XXXX  XXXX XXXX XXXX
Product: Debt collection

I need a debt validation claim showing that I signed a contract with this debt collector according to code 15 usc 1692g. A gull detailed list of the payment on this account and history. I want to see the original signature that I signed personally to this creditor. And any insurance claim on this debt and a chain of title that you have to collect on this debt if not please remove this from my credit report asap!!!
Product: Student loan

For the past 2+ years, I have given Navient specific directive to the penny on how to repay my XXXX individual loans. I have been told that they are doing what I asked, but on 3 separate occasions now, I have found out that they in fact ARE N'T doing anything that I have asked. So each time I am being assigned a new " advocate '' who 's job it is to assure me that they will be the ones to set this straight. So some of the problems. Navient refuses to show you a breakdown monthly of how much interest you are charged. Texas however has consumer protection which require lender to display this info. Navient claims that their yearly display and a formula to calculate it is enough. That is the lessor of my 2 main hangups with Navient. The second is Navient is n't using the loan specific payments which I and my 3 separate advocates have specifically setup for each loan. I have confirmation from senior customer service folks at Navient that for the past 2+ years they are simply applying my loan specific payments HOWEVER NAVIENT SEES FIT. Well I got a new advocate last week to try and fix it for the Nth time and now my account history is missing. At this point the variance is in the XXXX figures and growing daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX NXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to the fair credit reporting act US Department of education account # XXXX and account # XXXX violated my rights 15 usc 1681 section 602 A. I have a right to privacy 15 usc 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report Pursuant to 15 usc 6802 a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now the proper notice is that the financial institution may not disclose nonpublic information to a nonaffiliated third party unless the financial institution clearly discloses to the consumer in writing or in electric form. The consumer is given opportunity to accept or deny. I am here to say that I have never been given any proper notice to give US Department of Education permission to share my information with you therefore this is identity theft and you are both violating federal law and I am demanding deletion from them In Accordance to the fair credit reporting act XXXX XXXX account # XXXX violated my rights 15 usc 1681 section 602 A. I have a right to privacy 15 usc 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report This is being illegally reported because I am the original creditor for this transaction. I entered into a credit sale and I was forced to put money down which is illegal pursuant to 15 usc 1605 as finance charges are sum of all charges and cash can not be involved., any creditor who fails to comply with any requirement imposed under XXXX, in the case of an individual action, the creditor will be liable for twice the amount of any finance charge and any actual damage sustained by the creditor XXXX XXXX as a result of the failure.
Product: Mortgage

I was denied a workout option for my loan becuase I exeeded the amount of times I could be reviewed for help. I do not believe that I was treated fairly in regards to the loan modification process. I had an approved loan modification with the lender Specialized loan servicing when they transferred the loan to you and at that point the only thing that needed to be done was that I needed a new loan modification agreement to ge signed but then I never got it and i was told several times your department was working on it this is back from last year XXXX or so. It is noted in your system and as well the calls were recorded that I kept calling in to get the status on the loan modification paperwork and it was never resent. Then after that the account manager told me that I had to re apply and that would be the only way since then it has been denied again My reason for this complaint is that I should not be denied since it was not my fault your company did not have the complete file when the file was transfereed to you from XXXX XXXX XXXX. I have the money for the payments I was supposed to make since XXXX and I have told this to your department several times. I am a XXXX XXXX XXXX XXXX widow. I do not have a place to go or move to if I lose this home. I have been calling and appealing for a while but I have not got a responce about why the loan modification paperwork was not sent back out. I am also trying to borrow the money to bring it current but I do not have enough time to the XXXX of this month to make that happen. I should be able to just make the payments on the loan modification as it was approved, it is not my fault that your department did not send out the necesary paperwork on time. And then you closed out my loan modification therefore leaving me with no option but to lose my home to foreclosure. I need a reveiw of this file including all calls I made about not receiving the loan moditication contract in a timely manner.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXXXXXX XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Claiming I still owe money when the item has been returned and refunded back to there credit card. This is an issue between them and the third party. I do not have any find or received any funds. Now they are charging me late fees. This issue has been going on since XXXX XXXX
Product: Checking or savings account

I normally receive direct deposit from my job on Wednesdays. Wednesday XX/XX/year> I did not receive my deposit. Today is now XX/XX/year> and Capital One have not released my funds. The bank did not reach out to me to inform me of this situation.
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my FICO score. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My PII was stolen and lost due to monumental incompetence and negligence by Equifax. Executives sold their stocks before letting us know, how is that not insider trading? They 're also charging people to take measures to fix THEIR mistake, and now XXXX is intentionally complicating the freezing process by putting their worthless ID protection in our face and deterring people from freezing. No corporate entity should be allowed to have this much control over this much sensitive information, and all of these execs that knew this was coming need to be locked up.
Product: Payday loan, title loan, or personal loan

I applied for a loan with XXXX by Goldman Sachs in XX/XX/XXXX to which I was denied a loan and received a Notice of Adverse Action. I waited some time to re-apply in XX/XX/XXXX and was denied yet again. I waited until XX/XX/XXXX to re-apply again and was declined again. I called into their customer support number at XXXX on XX/XX/XXXX where I spoke to a representative who informed me that my " re-apply '' date depends on the reasons for which I was being declined. I asked him to give me a specific re-apply timeframe to which he could not because " their reps are not able to see the reasons for which an applicant is declined. '' He then proceeded to tell me he was able to retrieve the letters that were sent to me, which indicates, to me, that he had access to the information I was requesting. He escalated my call to a manager who told me the reason why I was unable to re-apply was due to " time too recent between last application decline. '' I then asked the manager to provide me with the original reason as to why I was declined since she was apparently able to see those reasons. Well, " she couldn't discuss those over the phone '' and didn't have access to them since they were archived. So, to be clear, they started out telling me that decline reasons could not be shared ; then they were able to be shared ; then " certain '' decline reasons we unable to be shared. That seems deceptive and clearly not being upfront with the customer 's information.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every station date and balance whether reported or not. 
account Item and Number ) also respectfully request to be provided proof of this alleged item, specifically proof that these aments were in fact late. By the provisions of the consumer protection laws. I demand that if enable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never XXXX ) and supply a corrected credit profile to my creditors who have requested a copy of my credit report in the last 6 months XXXX also requesting the description of the procedure used to determine the accuracy mpleteness of the information. I have read that this must be provided within 15 day + Completion of your reinvestigation. I also read that under federal law, you have 30 days complete your investigation. 
is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must done within 30 days of receipt of this letter, or you must remove the incorrect information. Thank you for your prompt attention, time and help in this matter.
Product: Vehicle loan or lease

On XX/XX/year> I entered into an agreement to refinance an auto loan on a XXXX XXXX  XXXX. The original loan was with XXXX XXXX  XXXX and the refinancing lender was Capital One Auto Finance. On XX/XX/XXXX Capital One issued a check in the amount of {$37000.00} to XXXX XXXX  XXXX to pay off the original loan. This is the amount that is reflected as the initial Capital One statement balance ( available online ). On or about XX/XX/XXXX, XXXX XXXX XXXXXXXX completed the payoff of the original loan which, on that date, had an outstanding balance of {$36000.00} ( give or take a days interest ). As of today, Capital One continues to show a loan outstanding balance of {$37000.00} and has not reflected the {$830.00} difference ( the " Excess Payment '' ) between the original check amount sent by Capital One to XXXX XXXX XXXX and the actual loan balance of {$36000.00} on that date ( which is, effectively, the amount refinanced ) .The Excess Payment, in the normal course of this transaction, should have been refunded to Capital One by XXXX XXXX XXXXXXXX XXXXubsequent to the extinguishment of my debt to XXXX XXXX XXXXXXXX since Capital One was the source of the funds used to repay the debt in full. 

On XX/XX/year> I had multiple conversations with XXXX XXXX XXXX and Capital One representatives ( including speaking directly to the Refinance Unit ). Capital One continues to insist they will not contact XXXX XXXX XXXX to receive repayment of the Excess Payment and insists that I contact XXXX XXXX XXXXXXXX to resolve the issue. I am not party to the refinance payment between Capital One and XXXX XXXX XXXXXXXX and, accordingly, XXXX XXXX XXXXXXXX would not be obligated to refund any amount of those funds to me. The refund obligation does, however, extend to Capital One. Capital One insists no refund has been received from XXXX XXXXXXXX XXXX but I am unable to establish the credibility of that claim. 

Capital One can easily rectify the situation by contacting XXXX XXXX XXXXXXXX and establishing for themselves the actual payoff amount of the loan and then proceed to reclaim the Excess Payment from XXXX XXXX XXXXXXXX. Yet they refuse to acknowledge any responsibility for resolving the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity thief in the year 2015. I Have been receiving reports for credit cards I do not have and I never opened these accounts. There is a XXXX XXXX  account balance {$4700.00} There is Elan financial Balance {$1200.00} and there is XXXX XXXX  with a balance {$3400.00} I never opened any of these accounts. There was also a police report filed. I have filed disputes and these accounts keep appearing.
Product: Student loan

I received my loans by going to XXXX. I have so many loans through them and the interest is outrageous. I live on my own and pay my own bills and still barely to manage. I wanted to further my education but found out none of my credits transfer after being told I could go anywhere after XXXX.
Product: Debt collection

I was alerted that my credit score had dropped significantly and received a major derogatory mark on XX/XX/2022. It says I have an account in collections with Amsher Collection Services on behalf of XXXX XXXX. XXXX XXXX is XXXX and XXXX doesn't even serve my area. The closest XXXX  comes to me in my state is 2 hours north. I've never had any services by XXXX and called XXXX first and their agent confirmed he couldn't find any account associated with my name. The reviews on XXXX are showing other people are receiving these same hits to their credit report with the debt supposedly stemming from a XXXX XXXX account. I really need to get this handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$890.00} XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$600.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

I was notified that I was the victim of identity theft XX/XX/year> by XXXX XXXX XXXX They told me the thief had my name, birthdate, social security number, and some credit card information ; I had received information from the Department of Justice that a data breach had occurred with my information involved. XXXX XXXX XXXXXXXX had obtained the thief 's address, phone number, and email she had created ; they gave that information to me. She had called the bank saying she had moved and gave them her information, but she claimed her credit card had been lost and she wanted a new card. She used this technique at least three times that we know about, but she was stopped because the banks ( XXXX XXXX  XXXX, XXXX, and XXXX  ) called me to verify the activity. Also, I had contacted the credit reporting agencies, had my reports labeled " fraud, '' and froze them.During that process Experion asked me to take an additional step and create a pin for my records that would be used to verify it was me each time they were contacted. Unfortunately, Experian accepted the thief 's request to apply to receive my credit report with no regard to " fraud '' " freeze '' or " pin. '' On XX/XX/year> Experian sent me an email saying they had updated my information, and if it was not me who requested the change, please click on a link to Customer Support and log on ; however, she had already been given access to my account as they sent her my username ; she changed my password ; she also changed my phone, address, and changed my email from mine to hers. When all my verification failed because it had been changed, I tried contacting Experian through Customer Support 4 times with the information and have received no response ; I tried to call, but the automated phone system could not recognise my information ; I tried to call the fraud department to stop them from mailing out my personal information. So far I have been unsuccessful in reaching them, and they have not responded to my requests for help. It is now day three since I was notified of the information " update '' and I must continue to get their attention. I am retired and XXXX XXXX XXXX, and I want this to be resolved. Thank you for this additional service you provide.