23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Spoke with agent    XXXX   XXXX   XXXX    to request forebearance. Loan agent stated that forbearance was good until   XXXX   XXXX   XXXX  .  Letter added to a ccount stated a forbearance ended    XXXX   XXXX   XXXX   . I called back to have them update the letter and make it consistent with information given to me from call in   XXXX  . Agent refused and continued to offer me another forbearance. They would not correct their mistake on my account.  Navient is c aptializing on students by not honoring the verbal agreement. This is not the first time this has been done. This has been done to my account around   XXXX   XXXX   and a forbearance was placed on my account that I did not request in   XXXX   XXXX  . So again they capitalized interest without my permission and when my account should have still been in forebearance. In a matter of 9 months this company has attempted to place my account in forbearance 4 times. CFPB needs to do a better job at getting students reimbursed all of these excessive fees that this company adding. Navient is not correcting their mistakes they are charging the loans of persons like myself for their mistake . Navient has made it difficult to continue the current loan repayment program. It  is difficult to navigate their system and its difficult to distinguish between the different loans. All of the loans have the same number. When you are talking to an agent many times they are only servicing  one set of loans, but tells you that the current transaction is covering all of yo ur loans. So the student ends up with late fees because the agent translates in writing that only a certain set of loans were covered so the student ends up with late fees. The date given over the phone of your forbearance is not consistent with what they put in the PDF file.  Navient did  not make it clear that the information that you received over the phone does not come to your regular email address but it goes to the inbox located on their website. Again yo u may be rece iving notifications to your regular email and you think that this is just a reminder of the conversation that you had with the agent and when you go and check the website information it is then that you find that the information given over the phone is not consistent with the documents they have online. This is intentional and helps them to continue to collect fees on students. The make the process so cumbersome and their company will profit more on fees that people are paying on these loans than the loans themselves.
Product: Mortgage

Increased monthly mortgage payment on a fixed note. The past year, the servicer initially included addition {$140.00} to each monthly payment without an explanation ; just " interest short. '' Numerous calls to the loan servicer, Rushmore Loan Management Services were to no avail. Submitted a registered mail for why my fixed payment changed under RESPA on XX/XX/2022. XXXX referred that I need to contact the mortgagor. Essentially, my payments have gone up from {$1300.00} monthly to {$1600.00} without any explanation to why. I can't get an answer why my amortized monthly payment changed from {$1300.00} to {$1600.00} and why the mortgagor or loan service failed to inform on any changes to the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant get my bank to report my morgage to Experian and XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 I received notice from my bank that one of my accounts were frozen. Found out who put the freeze on my account through the bank. I had not and still have not received any verification or paper work verifying that this debt is mine. 
On XX/XX/2023 contacted XXXX XXXX of Steven Cohen LLC, XXXX NY. During the conversation I explained that I had no idea what debt I might have that needed collecting. I asked if I could be provided with any information regarding the debt, including a debt validation letter. He verified my mailing address and said it would be sent to me. 
I emailed XXXX XXXX on XX/XX/2023 again asking for any information regarding this debt. I still have not received any communication from them to this point. 
Since then Ive heard nothing from them. Ive not received any information for me to even be to able to verify if the debt is mine. My account is still frozen and there has been no word from the collector. Its been almost 6 weeks
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 or other personal consumer reports

This is not my account! This is the second time in XXXX months that TransUnion allows this inaccurate information in my credit report negatively impacting my credit rating.
Product: Credit card

LONG STORY SHORT : UPON CALLING US BANK WHEN NOT RECEIVING STATEMENTS FOR MY CREDIT CARD, I WAS ADVISED MY ADDRESS WAS CHANGED IN XX/XX/XXXX. I REQUESTED TO CHANGE BACK TO PREVIOUS ADDRESS WHICH IS ALSO ON MY CHECKING ACCOUNT. THIS TOOK XXXX PHONE CALLS AND XXXX DIFFERENT DEPARTMENTS. MY XXXX REQUEST WAS TO GET STATEMENTS FROM THE XX/XX/XXXX DATE FOR MY RECORDS. WHILE ON THE PHONE XX/XX/XXXX IT WAS {$5.00} PER STATMENTS. WHEN I PHYSICALLY WENT TO THE BANK IT WAS NOT {$6.00}. I NEVER INITIATED THE CHANGE AND SHOULD NOT BE CHARGED. 

XXXX ISSUE : IF I NEVER INTIATED THE CHANGE THAT SHOULD BE THE HIGHER IMPORTANCE. 

XXXX ISSUE : I AM NOT PAYING FOR SOMETHING THAT CLEARLY WAS NOT AN ERROR ON MY PART. I WAS TOLD THE CHANGE WAS POSSIBLE A COMPUTER ERROR AS IT WAS NOT EVEN A LEGIBLE ADDRESS WITH ONLY XXXX DIGITS AND NO STREET NAME. 
LAST STRAW WHEN MANAGER XXXX AT US BANK XXXX XXXX XXXX XXXX XXXX XXXX, MN ADVISED ME " YOU DONT BALANCE YOUR CHECKBOOK '' WHETHER I BALANCE MY CHECKBOOK OR NOT SHOULD N'T DETERMINE IF I CAN REQUEST A STATEMENT FOR MY REVIEW IF I DID NOT RECEIVE PREVIOUS STATEMENTS. ONCE AGAIN AN ERROR ON US BANK 'S PART CHANGED MY ADDRESS AND THEY EXPECT ME TO PAY FOR IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent written disputes out but also wanted to advise and request for help. There was just a tax lien added on my personal credit file stating I owe the IRS 130k which is 120 % inaccurate. I want this inaccurate information removed off of my credit file ASAP. How does the credit agencies obtain there information? Do they verify such inaccurate information with the IRS? How can the a credit reporting agency add information to a consumers credit file without validating it first? I do not owe anything to the IRS and that is CONFIRMED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Employer : XXXX Date Updated : XX/XX/2015
Product: Debt collection

ACCORDING TO FCRA SECTION 605B, ITS ILLEGAL TO REPORT ANYTHING WITHOUT MY PERMISSION. PLEASE REMOVE THIS NEGATIVE ITEM. IVE ATTEMPTED THROUGH PHONE CALLS TO XXXX TO DISPUTE THIS ITEM AND KEEP GETTING PASSED ALONG OPERATORS AND GIVEN NUMBERS TO CALL THAT ARE NOT IN SERVICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Credit report there are a bunch of inquiries that I did not authorize and they all need to be deleted from my credit report. The items are as follows below : 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

Elan financial Service had been running my credit on different credit buraus without my consent. 
I applied on a credit card with them, and they ran my credit report on XX/XX/XXXX Since then, I see my credit report is being run by them every now and then and on various credit buraus, like on XX/XX/XXXX they ran my report on XXXX, then on XX/XX/XXXX without me applying on anything with them then again, they ran my report today XX/XX/XXXX which is a XXXX??? They ran my report on XXXX. 

I had XXXX phone calls today with them, one call with customer service and they told me that they do not know and advised me to call Credit services. I called the credit service department in Elan Financial and talked to XXXX who put me on hold for XXXX minutes and finally, told me they have nothing to do with and I have to contact the credit burau directly. Called XXXX and as per XXXX I have to get an FTC report from you, and forward to them by mail so they can take an action.

Please help. I did not authorize these people of Elan Financial to keep running my credit except once on XX/XX/XXXX. all the times they ran my credit recently during XXXX were unauthorized and without me knowing.
Product: Credit reporting or other personal consumer reports

ATTENTION: (XXXX) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,Illinois XXXX XXXX
 EMAIL: XXXX   I WOULD LIKE ALL OF MY UNAUTHORIZED INQUIRIES, MY DEROGATORY REMARKS, LATE PAYMENTS, PUBLIC RECORDS, AND CLOSED ACCOUNTS, REMOVED. MANY OF THESE ACCOUNTS FALL UNDER THE STATUTE OF LIMITATIONS OR ARE MISREPORTING ON MY CREDIT REPORT. PLEASE APPLY THESE LAWS TO MY ACCOUNTS: THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 (XXXX) FAIR CREDIT REPORTING ACT (FCRA) 15 U.S.C.  1681 (FCRA) ACCOUNT NAME: XXXX XXXX DATE FILED: XXXX XXXX XXXX TYPE OF ACCOUNT: Automobile ADDRESS: XXXX XXXX XXXX XXXX , TX XXXX  NUMBER: XXXX XXXX REASON: Collection/ChargeOff ACCOUNT NAMEXXXX XXXX XXXX XXXX DATE FILED: XXXX XXXX XXXX TYPE OF ACCOUNT: Automobile ADDRESS: XXXX XXXX XXXX XXXX XXXX , GA XXXX  NUMBER: XXXX XXXX REASON: Late payments ACCOUNT NAME: XXXX XXXX  DATE FILED: XXXX XXXX XXXX TYPE OF ACCOUNT: XXXX XXXX XXXX ADDRESS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , CA XXXX  NUMBER: XXXX XXXX REASON: Late payment  ACCOUNT NAME: XXXX XXXX XXXX DATE FILEDXXXX XXXX XXXX XXXX TYPE OF ACCOUNT: Collection Agency/Attorney ADDRESS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  NUMBER: XXXX XXXX REASON: Collection/ChargeOff  ACCOUNT NAME: XXXX XXXX XXXX DATE FILED: N/A  TYPE OF ACCOUNT: OTHER COLLECTION AGENCIES  ADDRESS: XXXX XXXX XXXX XXXX XXXX, MN XXXX  REASON: CLOSED/CHARGEOFF  ACCOUNT NAME: XXXX XXXX XXXX  DATE FILED: XXXX  TYPE OF ACCOUNT: OTHER COLLECTION AGENCIES ADDRESS: N/A   REASON: DON'T RECOGNIZE  PLEASE REMOVE ANY AND ALL UNAUTHORIZED INQUIRIES FROM MY REPORTS AS I HAVE NO KNOWLEDGE OF EVER FILING ANY OF THESE INQUIRIES OR GIVING ANYONE, COMPANY, OR CORPORATION PERMISSION TO REPORT ANYTHING TO MY REPORT OR WAS PRIVY TO ANY OF THESE FILINGS NAME OF INQUIRY & DATE: XXXX XXXX XXXX XXXX XXXX IL XXXX  PLEASE REMOVE THE FOLLOWING ADDRESSES FROM MY ACCOUNT. I HAVE NEVER LIVED AT THE ADDRESSES LISTED BELOW NOR HAVE I GIVEN ANYONE AUTHORIZATION OF THESE ADDRESSES. INACCURATE ADDRESS AS STATED ON CREDIT REPORT: XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX  INACCURATE ADDRESS AS STATED ON CREDIT REPORT: XXXX XXXX XXXX XXXX XXXX IL XXXX    INACCURATE ADDRESS AS STATED ON CREDIT REPORT: XXXX XXXX XXXX ILLINOIS XXXX  PLEASE REMOVE THE FOLLOWING EMPLOYERS FROM MY ACCOUNT. THIS INFORMATION DOES NOT APPLY TO ME. INACCURATE XXXX XXXX XXXX
Product: Debt collection

I received a text message from Sequium on Thursday XX/XX/XXXX at XXXX to contact them and that Sequium is a debt collector and then provided me with a reference number. After inputting the reference number I have a collections from XXXX in the amount of {$870.00}. 

On Wednesday XX/XX/XXXX I called XXXX to ask for solutions and prevent my account from going into collections. Only to find out I have been charged for a service I haven't used in over 2 years! There's XXXX accounts I have for the XXXX security system. XXXX XXXX which is the loan for the products and XXXX for the services ( apps ). I was being charged for the app services which I have called in to pause the account because my system isn't set up and not in use since I moved in XXXX of XXXX. 

I was being charged for a service that is not in use, nor was I notified or contacted in any way about the status of my account on when my services started again, when they started charging me, no billing statement was sent via email, and then I wasn't notified of my account with an owed balance. The only time I was notified of my XXXX service account was when Sequium texted me trying to collect a debt.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Thanks
Product: Checking or savings account

my name is XXXX XXXX from XXXX NY. On XX/XX/XXXX while I was in upstate NY, someone withdrawl {$900.00} from my CITIbank account. I called CITIbank the next day after my card stopped working and told them someone has got access to my bank account and withdraw the money. I never lost the card or gave out my PIN number to anyone. CITIbank issued me a new card that time and ask me to change the PIN. They said they will investigate. They credited my account but then they reverse it claiming that this was consistent with my normal banking activity. I called CITIbank to complain again and it has been almost a month and the bank never credited me back my money although I was within the two days reporting period. I will be happy to provide the bill from XXXX XXXX in XXXX which shows that I had checked in on XX/XX/XXXX at XXXX XXXX and left on XX/XX/XXXX approx at XXXX XXXX. I can attach a copy of the receipt upon request. I also urge the bank to take a look at the CCTV camera because this happened in their branch Citibank ATM XXXX XXXX XXXX, XXXX, NY and Citibank ATM XXXX XXXX XXXX, XXXX, NY. By doing so they will protect another customer from falling into the wrong hand. 

We first made claim with citibank on XX/XX/XXXX with number XXXX and on XX/XX/XXXX with number XXXX. 


Thank you and hope your help on this matter.
Product: Debt collection

I receive regular automated start calls from several numbers with representatives stating so quickly where they are from that I ca n't understand them. They ask for " the long name '' on my drivers license which I do n't use any where else or for any credit. I am current on all medical bills and credit cards and have received no late payment notifications but they will not quit calling. When I asked what they were calling in reference to as I had no notification by any creditors, the woman became instantly aggressive and rude. I have blocked these numbers but am sick to death of the contact. While it 's possible that this regards some ancient debt that was settled, I ca n't get information from them without diving into a possible scam and they are calling my work cell over and over. Phone # s include : XXXX, XXXX ( which I do n't get at all ) and XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to get these unauthorized inquiries removed for the last few days, but they are no available. They were unauthorized and fraudulent. Please help me remove them from my consumer report. I was told to submit a complaint to the CFPB because you could help me. I have sent in my FTC report and other documents proving this isn't mine. I didn't authorize this. These inquiries are damaging my credit score and keeping me from getting new credit ; I am looking to apply for new credit products as we speak. 

These inquiries are XXXX XXXX ( XXXX. XXXXXXXX XXXX ) and XXXXXXXX XXXX ( XXXX. XXXX, XXXX )
Product: Debt collection

There is a collection account on my credit report from XXXX XXXX XXXX in the amount of {$460.00}, this account shows it was open in XX/XX/2017. I have disputed this account several times with certified letters explaining that I have no knowledge of this account nor any other business with the original creditor Capital One. Ive called several times to dispute Ive also sent certified letters to each of the bureaus with no response in regards to this fraudulent account getting resolved please help to have this Fraudulent collection account removed from my credit report, Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Reporting, as well as Transunion, are reporting that I have Bankruptcies on my credit file. I have submitted police report information, FTC ID theft information as well as my identification. XXXX keeps coming back stating my information is frivolous and that they won't investigate. I spoke with XXXX a fraud specialist in the special services department who informed me that any information that is is given by the courts is deemed accurate information even if you have been a victim of identity theft. She stated that XXXX can not and will not remove. I informed her that I have a letter from the court stating that they do not report, that it is reported from a third party. She said they got the information from XXXX XXXX. I then informed her that I have my XXXX XXXX report and have spoken to XXXX XXXX who state that they have no bankruptcy information on me. All I am asking is that my report is corrected These companies refuse to correct it. The Bankruptcy numbers are as follows. XXXX and XXXX. All I need is for the information to be deleted as I did not file them. Otherwise, I have contacted an attorney and will file a lawsuit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXXXXXX acct XXXX XXXX has violated my rights. 

15 u.s.c 1681 section s 602a states i have the rights to privacy.

15 u.s.c 1681 section s 604a section 2 a consumer reporting agency can not publish an account without my written premission.
Product: Debt collection

A company claiming to represent our original creditor called and threatened legal action if not settled that day. The call came on XX/XX/XXXX at XXXX. The phone number on my phone records shows XXXX. They had personal information and balance of debt owed. A settlement was agreed upon and automatic payments were set up. {$120.00} to be withdrawn every two weeks starting XX/XX/XXXX until {$970.00} was paid. The last payment of {$100.00} was withdrawn on XX/XX/XXXX. We received no final paperwork. On XX/XX/XXXX we received a summons from the court that the actual debt collector was suing us for our full debt amount. We learned the company withdrawing the money, Absolute financial services LLC, was unreachable and in no connection with our original creditors, the debt collector they sold our debt to, or their law offices. We have since entered a case through the courts who in XX/XX/XXXX ruled in favor of the plaintiff, the debt collector and still owe the full amount of our debt. The judge sent us the fair trade commission information of the ongoing case against absolute financial services in hopes we can recover our money lost.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Are XXXX credit companies are showing incorrect address information on my credit profile All have multiple address listed Only address that should be on file is XXXX XXXX XXXX, XXXX al XXXX