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

XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Lockhart Morris & Montgomery , Inc. at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of {$6300.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

I requested my service be canceled on on XX/XX/XXXX and I have emails from XXXX XXXX saying they received my cancellation. They sent me a email 10 days later saying they increased my internet speed and essentially ignored my request to cancel despite sending me an email saying they received the request. They continued to charge me on XX/XX/XXXX for the upcoming cycle from XXXX and I complained to them multiple times. They charged me for the upcoming month starting XX/XX/XXXX when I cancelled my service XXXX weeks before. I complained to my card company chase who refunded it. 

In addition, I complained to XXXX  about how I am due a partial credit since they charged me for a full month on XX/XX/XXXX but I only had XXXX weeks of service. 

Customer service kept saying they submitted the credit and I should see a refund but I never did. 

This is wrongful debt. I started internet service with them late XX/XX/XXXX and they charged me for each upcoming month since even after they received my cancellation request XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Key Bank allowed mortgage information extended to vendor XXXX XXXX. Personal information was compromised. They sent notice of vendor security incident letters to me and my wife. We are supposed to get two years of XXXXXXXX XXXX XXXX free. The only way we are being allowed to get this monitoring is if I have a smart phone which I do not. I informed them of this and reiterated they should allow me to get this credit monitoring through my email address. so far after saying they would address it and the end of XX/XX/2022 they have ignored me.
Product: Credit reporting or other personal consumer reports

**Consumer Complaint : Request for Correction of Inaccurate Information on Credit Report** XXXX XXXX XXXX XX/XX/year> -- - Dear Transunion, I am writing to bring to your attention some inaccuracies in my consumer reports relating to late payment entries. I have carefully reviewed my report and found entries indicating late payments for an account with [ XXXX ] ( [ Account Number : XXXX ] ) for which I have maintained timely payments. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure the utmost accuracy of the information they report. 
I demand an immediate investigation into the discrepancies on my credit report. Please provide verifiable evidence, such as account statements, to substantiate any alleged late payments. If you can not provide this evidence, you are legally required to update my records to reflect my accurate payment history, as per FCRA Section 611.

There are only four days remaining to complete this investigation from the date of my initial request. Non-compliance with this timeline will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and possible legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost a wallet with all my personal information ID, SS Card, Bank Cards etc. I canceled the bank cards the next day so those were no issue but some months later I started noticing items on my credit I had no knowledge about and at that time I didn't put 2 and 2 together about losing my wallet so I would just dispute the charge to no avail. Later when trying to purchase a home I seen where it listed on my credit that I had a balance from an apartment when during that time I lived at XXXX XXXX XXXX, XXXX in a house not an apartment. I can't do anything with these items on my credit. I have been going back and fourth with with that all the accounts opened up in my name and I just need this to be over. I have collection accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I have over 10 Inquiries from places I have no idea about. Credit card closed accounts theres 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

After completing rehabilitation, I talked to representative who set up payment plan. Because of my low income my payments were {$0.00} for a specified time. After the specified time elapsed, my loans would be forgiven. My application was accepted during this phone conversation. 

About a month later, I received a letter from Navient stating the above application was rejected because I did n't supply my income tax statement. I mailed Navient the necessary information. Although I supplied the necessary information Navient is sending " statements '' for approximately $ 400 monthly payments. 


Problem : I have not been able to resolve the issue with Navient because all Navient 's contact numbers are not in service. 
Problem : I ca n't resolve issue with XXXX because they claim to have no records since turning " everything '' over in 2012. 

After receiving another statement I spoke with XXXX who said the XXXX is handling my loan not Navient. When I called XXXX, I was told XXXX has not handled loans since 2012 and to call Navient at XXXX XXXX XXXX. This number was not in service. 

The numbers Navient has listed on its statement are not in service. Navients website also lists these nonworking numbers. 

Problem : I do n't know who is servicing my loans and how my loan documentation is being processed. The accuracy of my loan information and loan status are doubtful. 

Multibillion dollar companies like the ones involved should have working numbers and trustworthy reliable document processing. Every number I 've been calling is NOT IN SERVICE. Additionally, XXXX, XXXX and NAVIENT should know who has final authority to " service '' my loans. 

As a borrower I should not have to guess as to who is servicing my loan, my loan balance and if my loan payment status has been updated. 

The original plan should be in effect and I should not have to continue sending the same information repeatedly.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$1000.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX PXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/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 Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX ( Original Creditor : 09 XXXX XXXX ) XXXX Balance {$7800.00} XXXX ( Original Creditor : 12 XXXX XXXX XXXX Balance {$3900.00} XXXX XXXX ( Original Creditor : 06 XXXX XXXX XXXX XXXX  ) XXXX Balance {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$150.00} XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX Balance {$200.00} XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I open a second account on XX/XX/2021 transferred XXXX dollars to the new account that day. This was with US Bank on XXXX Street in XXXX, Ky XXXX. 
On Friday, XX/XX/XXXX deposited a USA business paycheck from my employer. 
Ten percent was made available then taken away. 
I called the bank four times to figure out what the issue was. 
They placed a hold on my check and said nothing would be available until the XXXX of XXXX. The paycheck check was direct deposited in the old account for over five years. When I tried to get my check back to open an account with another bank, they refused to give me my check back. 
Stating a hold was placed on the Check with no good reason or explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax, XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX/XXXX/XXXX  XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 

XXXX XXXX  Account # XXXX Account # XXXX Account # 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

I have called Sallie Mae on multiple accounts expressing my financial distress, stating the required monthly payment on the " only plan offered '' is nearly 70 % of what I make monthly. 

I was told on multiple occasions that only when my loan went into deferment ( and it did, from not paying for 5 days past ) were they permitted to discuss " alternative payment options. '' After completing all the information needed to access such a plan, I was informed the interest I had was already the best they offered, and that enrolling in this new plan would actually increase my monthly payments. 

I then implored them to leave me on the default plan which is still and for 6+ months now has been destroying my credit and savings. 

On top of everything, the representative had the audacity to suggest I seek alternative employment such as working in a store or coffee shop, instead of continue working freelance in my field and acquiring more work clients and experience as I go. AN incredibly inappropriate, unprofessional assumption to extrapolate on the idea that I am simply not working hard enough ... 

Overall, Sallie Mae 's whole process was and consistently remains incredibly inhumane in their inability to budge from their signature payment plan that holds no regards for annual salary, or even those living below or around the poverty line.
Product: Credit reporting or other personal consumer reports

I would like to report several unauthorized hard inquiries on my credit report. The following inquiries were made without my consent : XXXX XXXX XXXX - XX/XX/year> CONSUMER PORTFOLIO SERVICES- XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date not specified I did not authorize these inquiries and am concerned about their impact on my credit score. I request that these inquiries be investigated and removed if found to be unauthorized.

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

Requests have not been honored or investigated adequately. re ; Zelle issues, fees, or discrepancies funds have been determined to be unrecoverable.
Product: Credit reporting or other personal consumer reports

I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements.For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately.
Product: Student loan

I was in repayment with Navient over a series of XXXX private loans I have with the lender. I set up a payment schedule and have been paying XXXX a month as agreed by the lender. They continued to take my monthly agreed payments and in the mean time defaulted the loan. They claim to have sent letters however whenever we spoke about payment agreements they always failed to mention that I was in default after 2014 when the loan was offically filed as default. Prior to this they used aggressive collection efforts including calling, my old jobs, family, and person friends. They are a very crooked company that will stalk you with 20 calls a day from multiple location to get money out of you. It 's terrible, I should n't be in default. I was meeting my part of the agreement. This is side of Navient tha deals with private loans. XXXX is there number.
Product: Credit card

I had a XXXX XXXX membership. I cancelled the membership within the time frame specified in the membership agreement and cancelled the membership in person which is also their policy, just to make certain it was cancelled. XXXX claims they received my letter late and charged my Bank of America card {$52.00}. I disputed the transaction. The investigation, if you can call it that, conducted by BOA was a disgrace and they denied my claim. I have had that card for XXXX years and pay my large bills in total every month. 

XXXX provided BOA with fraudulent documents, which were accepted by BOA. XXXX, employee ID # XXXX, a supposed supervisor, was a disgrace. She asked me to provide proof of when XXXX received my cancellation letter, knowing there is no way that type of document is available. Interestingly, they never asked XXXX for a copy of the letter and even more obvious, XXXX never provided it. Further, the cancellation form that XXXX provided to BOA is back dated, does not contain my signature in the member signature blank and notes that XXXX cancelled the membership for " insufficient usage '' -- no mention of receiving my cancellation late. BOA just accepted these documents without reviewing them or pursuing further investigation. BOA 's investigation was just as fraudulent as XXXX XXXX documents.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a 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.
Product: Credit card or prepaid card

Stimulus Card Issue : XXXX - Money Network Financial , LLC I was informed a card for the stimulus payment was mailed to me in XX/XX/2021. I have never received a card. This is the second payment - {$600.00}. 

I received a letter from : XXXX XXXX XXXX  XXXX, XXXX. XXXX XXXX, XXXX, NE XXXX because I have not activated my card!!! 

I have attempted ten ( 10 ) times to contact them at the number provided : XXXX. 

Regardless of the phone prompts used, it always ends with their automatic reply to hang up. Several times I have advanced after providing the last six ( 6 ) digits of my social security number and my zip code. A recorded message responds with a phrase that states a replacement card will be provided please allow 7 - 10 days for mail processing. and shipping time, and then it hangs up. This has gone on for 45 days. 

I have used up all available options except my elected representatives in Washington. 

COMPLETELY UNRESPONSIVE AND I WANT THIS RESOLVED ASAP
Product: Student loan

I have a complaint with Fedloan Servicing. In XXXX, I consolidated my loans with Direct Loan for public loan forgiveness. I have worked for a XXXX since XXXX, and I currently still XXXX for the XXXX XXXX XXXX XXXX. I qualified for the public loan forgiveness when it started in XXXX according to Direct Loans, who was servicing loans for the U.S. Department of Education. I, along with many others, were told that we had to make XXXX payments ( 10 years ) of payments to qualify for the forgiveness program. That was the only direction stated to us verbally over the phone. I have never missed a payment. In XXXX, my loan was transferred to XXXX, who became the new server for the U.S. Department of Education. According to my paper work, we just continued with the same plan. 
In XXXX, my loan transferred to Fedloan Servicing, which again was servicing the loans for the U.S. Department of Education. After the transfer, they stated that Direct Loans did not set up my forgiveness plan correctly and are not honoring any of my payments that date back to XXXX towards forgiveness. I am not the only XXXX is facing this problem. There are many people who were apparently set up wrong by Direct Loans, which to my understanding, was just the former name of Fedloan Servicing. I did contact XXXX, but they just seemed to pass and forward my complaint to different members of their group. I have also had many discussions with current Fedloan that has not reach a fair agreement with the original forgiveness program. 
All XXXX companies that have held my loan represented the US Department of Education loan forgiveness program. Overall, there is a big cover up and story here that affect many people. I and many others need your help.
Product: Student loan

Back when I joined the XXXX and I heard about this program I switched and reconsolidated my loans back in 2014. I filed out all of the paperwork and continually followed up to make sure everything was processed and all set to which I was informed that I was. Then as I continue to pay after a year and I receive the annual income verification, I find out a year later they never processed my original with my application and my last years worth of payments didnt count. So I fill it out and they finally process it and change my account. Then I continue to pay and check in again to make sure and then they ask for my employment again and they havent counted any of my other payments. I process that paperwork ( meanwhile all these processes and changes take months and you forget about them ... ) and they dont seem to backtrack. Ive gone through so many hoops since 2014 to get this right and after four years with this company they have only counted TEN of my 120 payments. There were months where I was overpaying and no one notified me. I was on the phone with a lady and she said I had 40 qualified payments yet my account only shows 10. They are horrible and dont know what they are doing and cant process or manage accounts. There were months I would pay and the balance wouldnt even go down at all. XXXX is the worst.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXXXXXX XXXX XXXX XXXX or America received a check to their branch from XXXX for XXXX. They depsoti3d in their holding or carry account. They did not deposit it into any of my accounts. Since then after maybe 80 hours of phone calls visiting the brach etc each time they said it was citi problem. I had both finincails centers in call w each other. Finally recently XXXX bank of america said they havw the money in their housing accout & I'll receive it in 10 days ... I dis not. For some reason they insisted in opening up a fraud claim..even tho there was never fraud on my accounts. Each time I call I'm told a diff story and get transnfere. Usually I'm on the phone for 3 plus hours at a time. I even went into my local branch and the information they gave me was wrong again... then I'm told fraud claim is closed. Next day I'm told it's open wtc ... .in short they have my money and there is no way for me to get it. Back.
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : EXPERIAN : XXXX XXXX  Date of Inquiry : XX/XX/2020 XXXX XXXX XXXX Date of Inquiry : XXXX/XXXX/202 XXXX : XXXX XXXX  Date of Inquiry : XX/XX/2020 XXXX  Date of Inquiry : XX/XX/2020 XXXX : XXXX XXXX  Date of Inquiry : XX/XX/2020