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

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING INQUIRIES EXPERIAN BUSINESS CRED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from EXPERIAN BUSINESS CRED, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and CREDIT TECHIN WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Student loan

I have an outstanding an student loan with Aidvantage. A small portion of this loan is unsubsidized. During the period of time in which interest/req 'd payments have been frozen I've been doing my best to pay down the principal on the unsubsidized portion of my loan. 

From XXXX - XX/XX/XXXX I've steadily and deliberately applied payment to the unsubsidized portion of my loan. During this time I saw the principal amount reduced as expected. During this time I used their 'Specify for each loan'-payment wizard and it followed my payment instructions as entered. 

On XX/XX/XXXX, when attempting to make payment as I had before -- instructing to pay only the smaller of the 2 balances ( my unsubsidized loan ), my payment instructions were modified without my consent. Payment was instead directed toward the unsubsidized portion of my loan. This portion has a significantly higher balance and will take more time to pay off. Any attempts to rectify this nonconsensual payment modification on Aidvantage 's part have hit a brick wall. Their 'specify for each loan'-wizard modifies my payment every time even though I'm attempting to pay down the smaller of my 2 outstanding balances. 

It appears Aidvantage has levied a 'ghost'-minimum payment threshhold that must be met prior to paying specifying principal paydowns which seems to be at odds with what the federal government has mandated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report delinquent payment history for an account settled with XXXX XXXX XXXX despite prior attempts by me to correct this error through the FCRA dispute process. This account was settled inXX/XX/XXXX. I disputed ( see attached ) this with all three of the major credit reporting agencies as well as XXXX XXXX XXXX onXX/XX/XXXX and XXXX and XXXX corrected the error, but Experian did not.
Product: Credit reporting or other personal consumer reports

I have no knowledge of the mentioned inquiries, and I respectfully request that you address this matter promptly. Supporting documents have been enclosed for your reference. Kindly investigate the matter and take necessary actions for its resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry information is incorrect. The only inquiries that belong there are from XXXX XXXX XXXX and XXXX XXXX  company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged XXXX or XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$10000.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Student loan

Apparently I have a student loan over 33 years old that was supposed to be disposed of due to the school in question XXXX XXXX XXXX in XXXX Ohio. I attended for 2 weeks. The school was supposed to return the loan, I myself never received any funds. A few years later the school goes out of business and is sued for it's practices. I never heard anything else about the matter. Every few years I would be contacted by the US Dept of Ed attempting to collect. I would speak to someone and nothing would come of it. Here recently I have a debt collection company that is threatening garnishment if I do not respond in a timely matter. I have and sent the correspondence by certified mail with a change of address. I do not live at the address stated, but they continue to send time sensitive material to this address. They are trying to force a default judgement and I need to know what is my recourse. I have requested a hearing from the US Dept of Ed I do not have any information from 33 years ago showing what I stated was true. But they should have knowledge of this action taken against this school. I will not volunteer any financial information to the collection agency in good faith due to their actions so far and reading complaints from the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed with Eperian the following accounts reported by- XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  , and XXXX XXXX XXXX in the file you maintain under my Social Security number. And on XX/XX/XXXX I was informed that these items were deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to the subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to purse legal action for your blatant disregard to the law. I have attached the letter that I resent to the credit bureaus.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION TO DISPUTE DEPARTEMENT TODAYS DATE:XX/XX/XXXX AMERI COLLECT {$53.00} AMERI COLLECT {$220.00} AMERI COLLECT {$62.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERI COLLECT {$53.00} AMERI COLLECT {$220.00} AMERI COLLECT {$62.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I WAS THE VICTIM OF IDENTITY THEFT. A COPY WAS SENT TO EQUIFAX AND THERE WASNT A RESPONSE ALSO THE POLICE REPORT WAS MAILED TO THEM AS WELL
Product: Debt collection

I have never opened an account with Chase Card Services, but a letter was delivered via XXXX  XXXX ( which had to be signed for ) to my address stating that I had an account balance of {$6200.00} that needed to be settled or else it would be submitted to a law firm for review. As stated previously, I have NEVER banked with Chase, so I think this is a phishing/fraud incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had identity theft in the past and reported it to the XXXX XXXX XXXX online at XXXX, gov which included unauthorized Credit Inquiries including from a car dealership I never stepped foot in or authorized anyone to run my credit for an auto loan. I then proceeded to dispute with the 3 bureaus reporting these unauthorized inquiries due to Identity Theft all XXXX and XXXX removed the inquiries, however Equifax has failed to do so and replied to me with a Stall tactic stating Ididnt provide proof of ID or proof of Address which is not correct because I have been disputing with Equifax on many inacurracies since XXXX! And even after disputing several times since XX/XX/XXXX with the Identity Theft Report, copy of my license and proof of address these inquiries REMAIN. This is unacceptable! I have an updated New ID Theft Report with FTC included in this complaint as well. These inquiries are hurting my credit rating and I demand EQUIFAX to Comply! The following are the inquiries still reporting : XXXX XX/XX/XXXX which is duplicated for the same Day! 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX which is duplicated for the same Day! 

Please see all attachements
Product: Bank account or service

Two days ago someone fraudulently stole {$2000.00} from my Capital One 360 account. It is now over 30 hours later I have yet to have a resolution. I have spent over 5 hours total on hold trying to reach their security department and have only spoken to one person who has informed me it may be another 2 days before " someone '' will call me and actually unlock my account for me. I have sent everything they asked and so far heard nothing in return. Meanwhile I have no access to my money and no way to contact anyone for a resolution. It 's an extremely scary situation and this bank should not be allowed to do business like this!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent documents disputing multiple negative fraud accounts associated with my credit report. Ive sent dispute letters to all three bureaus. Below are the Companies, Account Numbers, and Amount of the disputes I have sent to XXXX, TRANSUNION & XXXX. Also attached below are the letters I mailed to all three bureaus. I would like these removed from my credit as soon as possible. XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXX  XXXX {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a collection in the amount of {$6800.00} on the XXXX XXXX XXXX XXXX., partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account does not belong to me and I have never heard of XXXX XXXX XXXX XXXX. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

I received a phone call in regards to a legal matter from phone number XXXX instructing me to call XXXX XXXX and XXXX with file number XXXX. Not only did I receive a call, but third parties in my family received a call/voicemail in regards to this false matter. This is a blatant breach of guidelines set forth by the FDCPA. I have since forwarded all proof of this said account that is in default to the following email address XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 .I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter stating that " They do not report any bankruptcies to anybody.So if that's the case.How did the credit bureau add my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681 section 603 ( 3 ) States ; The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge conceming any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1881. 

According to 15 USC 1681 section 602 A. States I have the right to privacy According to 15.11.5.0.1681 Section A Section 2 also states..comodi.ac. can not fumisha account without a Uten instructions
Product: Mortgage

My father passed away on XX/XX/XXXX and I made mortgage payments until I was offered a forbearance plan by community loan servicing during covid. The forbearance period was from XXXX. I was made aware numerous times throughout the forebearance that the payments during the forbearance would be deferred in the form of balloon payments at the backend of the loan. I also provided community loan servicing with successor in interest documents as well as my fathers death certificate. In XXXX of XXXX, a payment deferral option was offered by community loan servicing. I then received a letter from an attorney threatening foreclosure if I didn't pay all of past due forebearance payments and an additional nearly {$7000.00} in attorney fees when the attorney hadn't done anything! At the same time I received a letter from community loan servicing that I was getting a loan modification and that I needed to make three trial payments ( starting in XXXX ) to complete the loan modification and not have the home foreclosed. The loan was then transferred to Nationstar/ Mr.Cooper/Rightpath. I still completed all three trial payments. All three were deducted from my account as paid, yet Rightpath says the last payment in XXXX was returned as insufficient funds. Rightpath also told me that they could accept my payments but they could not talk to me about the account because I had not shown them successor in interest documentation. I told them I had already done this with community loan servicing. They said documents were transferred to them by someone at community loan servicing by taking pictures with their cell phone and emailing the pictures, and the pictures of my documents were not good pictures so I needed to send them again. They also said that my loan modification had been denied because they did not receive an application along with successor in interest documents but I was never asked to do this by community loan servicing when the trial period began.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transaction settled with insufficient balances despite initially available funds. I believe these practice are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not very knowledgable on how credit agencies work. I am guaranteed a right to dispute inaccuracy and incorrect items. I did not know each disputenis a.hard inquiry. Why did the agencies not make this a important and visible detail? My equifax score took a 63 point dive today. I believe some of this is due to the disputes.I am trying to negotiate. I will start by asking my address history correctly reflect an 11 year occupancy at my current address. The remainder of addresses listed in my credit report are.inaccurate and I have not rented most of those locations, or recieved mail at those addresses. Additionally, the report discredits my 11 year positive rental history by listing random locations during my current tenancy, which begins XX/XX/2009. Prior to that, my address.on XXXX XXXX is not mentioned at all. Rental history is supposed to " fall off '' after 7 years, then what is this mess?
Product: Debt collection

I recently pulled a credit report and saw that National Credit Systems is reporting to be collecting on an alleged debt. After research, according to the Florida office of Financial Regulations, they are not licensed in the state Florida. Their license expired in 2003. Please see the attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Upon receipt of the Escrow Shortage notice we paid the amount of {$530.00} and that payment was sent to Mr. Cooper. Special note- the notice DID NOT have a mailing address listed on the notice so we called to get the mailing address nor did the notice indicate the borrower could make a payment to clear up the shortage. This is poor communication from Mr. Cooper. 

We made the normal payment of {$670.00} for the XX/XX/XXXX payment. 

About XX/XX/2022 we phoned Mr. Cooper to ensure that they had received the escrow shortage and that it was properly placed into the escrow bucket. Upon discussion, we noted that we sent the normal payment of {$670.00}. Nothing from the agent on the phone was mentioned as to a payment increase. Also we were told that the payment would not change. 

We now have a billing statement showing the receipt of the both the escrow shortage and XX/XX/XXXX payment. However, the amount due is more than the normal payment of {$670.00}. We phoned Mr. Cooper again on XX/XX/2022 to inquire about he increase of the monthly payment. We were told the increase was due to insurance and taxes. The increase is {$32.00} per month or {$380.00} per year and there is a reduction of taxes due to age for this property. We were told by Mr. Cooper could not send a new Escrow Payment Notice so we could see why there is an increase in the escrow. 

We asked that our call be escalated to a supervisor because we want to see the calculations used by Mr. Cooper for any increase. We spoke with agent XXXX # XXXX We are sending the normal payment of {$670.00} for the XX/XX/XXXX payment and will need the updated Escrow statement to analyze why Mr. Cooper feels the new payment should be more than {$670.00}. 

This borrower is on a fixed income and needs to ensure any increases are legitimate. 

Thank you