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

I recently pulled a copy of my credit report and noticed that there are accounts being reported that I have no knowledge of or affiliated with. I contacted the credit reporting agencies in XX/XX/XXXX  via phone and XX/XX/XXXX  to notify them that someone was attempting to access line of credit in my name that I had not authorized. I ask for verification of these transactions. I pulled another report and now I see an account that I have never acquired. 
I have the right to privacy and furnishing accounts without my written consent is in violation of 15 USC 1681B I have researched these creditors and I have never had any accounts or applied for credit with these creditors, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. XXXX. Furnishing these transactions to my profile due to identity theft is in violation of 15 USC 1681 c-2 I have previously that any address I've never resided be deleted from my profile to prevent any further fraudulent activities
Product: Credit reporting or other personal consumer reports

Equifax continues to report the account listed as XXXX XXXX incorrectly. When an account is closed with a balance due the amount over a {$1.00} is credited to the consumer so reporting the late payments and charge off is not correct and a violation of FCRA which are my federally protected rights.
Product: Credit reporting

I have a collection from the State of Colorado for child support for my kids that are adults and I have been paying on monthly for over 20 years with no late payments. On my credit report it is reporting a XXXX balance of a collection from the state of Colorado and every time I try to call them they have no record of it but when I try to dispute the item with Experian to have it removed, it comes back verified. I 've never had a collection and I am still paying adult children. It is affecting my ability to get a home loan with this item still on my credit report. I need help in getting them to remove the item from my credit report with Experian. All of the other bureaus have removed the item from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out XXXX student loans with XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  and have not made any payments nor am I required to make payments until I am XXXX XXXX XXXX. I called XXXX and advised of the error of them showing me late ONLY 1 month and the remark for that XXXX month is showing late 90 days. There are no other months showing late so how could it be late 90 days. Also, I never paid any payment so how could you be reporting a late payment???? XXXX advised they dont show me late and I should talk to the credit reporting agencies to file a dispute. So the second thing I did was a dispute with all three credit reporting agencies. I asked to have all XXXX accounts removed since they are violating by reporting inaccurate information and in violation of FCRA for also not sending me proof of verification as I requested. So I am now making a complaint. 

I would like all XXXX loans on each credit report removed for reporting inaccuracies. On all three of my credit reports they are showing the following errors for each loan : XXXX. XXXX section shows each loan late XXXX days XXXX. There is only 1 month with a red X that represents XXXX late payment in XXXX of 2020 so how is the loan XXXX days late. 
XXXX. They should not be reporting any late payments at all because XXXX not done with school. 
XXXX. Each loan is on my credit reports are reporting XXXX different balances XXXX # XXXX is reporting highest balance of {$3500.00} and its showing reporting balance {$3600.00}. 

Loan # XXXX is reporting highest balance of {$3000.00} and its showing reporting balance {$3300.00} XXXX # XXXX is reporting highest balance of {$1700.00} and reporting balance of {$1800.00} XXXX # XXXX is reporting highest balance of {$520.00} and reporting balance of {$570.00}. 

XXXX. Its showing XXXX of the loans as closed which caused my XXXX XXXX to drop. Also, they are reporting payment status every month and paid amount says {$0.00} for each loan.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I went to TitleMax to obtain a loan o {$4000.00} after signing all paperwork I was unable to go to the bank to deposit the check so I decided to use my mobile deposit app with XXXX XXXX at first. I kept getting an error message stating that XXXX XXXX doesn't accept a deposit larger than {$1000.00} on the app so I decided to use my XXXX  XXXX XXXX app which accepted up to {$10000.00}. Later on that evening I got an email from XXXX  stating the deposit was accepted of course I was amazed because the check was already accepted with XXXX XXXX XXXX. I called both banks in the morning to find out how this happened and what to do from there. XXXX  XXXX XXXX stated that the check will be on hold for XXXX business day until title max 's bank credit my account with the funds. XXXX XXXX  stated the same I had to wait to see which bank will be credited the funds and the other bank will be canceled out. On XX/XX/XXXX Funds was released to XXXX XXXX XXXX. Then 11 days later funds was taken back and I didn't know why. I was on the phone with XXXX XXXX XXXX and they stated that title max never credited my account. I went back and forth with the banks and title max to retrieve the funds and they both are blaming each other I know for a fact that {$4000.00} can't just disappear and nobody knows where the funds went. Title Max stated it was no longer in their hands and it was a banking issue. So now at this point not only nobody is helping me and {$4000.00} disappear I owe title max the money and everyday they are charging me interest and I just want to get this resolve and get my title for my car back. PLEASE HELP.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : PROF DEBT ( Original Creditor : 09 XXXX XXXX XXXXXXXX ) Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Mortgage

I was offered a refinance in the mail by a lending company. As a veteran I had intention of moving from XXXX Oklahoma to XXXX and with that wanted to purchase a new home using the second tier of my va loan entitlement. During the refinance process I was told that it would pay off the current va loan, and allow me to utilize the VA loan again to achieve my goal of property ownership in XXXX for a new job in a new location. While talking to my current loan officer while trying to obtain a new property to commit to the move in XXXX I was informed that the company did not refinance the property in the correct manner to sever the initial loan, they instead robbed me of my second tier entitlement with VA financing which has forced me into a position that I am no longer eligible to purchase a new property closer to the job and location that I desire. This is incredibly frustrating and shocking as I was blatantly lied to, this has destroyed my hopes of moving to the location that I desired. The refinance through the company did allow me to fix some much needed repairs, but ultimately t was not done in the correct manner. It seems to me that the company saw it easiest to simply use my second tier entitlement. I can not remember where I found the company, I believe it was through a letter I received as at around 1 year of ownership of my current property I received many letters in the mail from various companies offering " refinances ''. Thank you for your time and consideration to this issue. 

XXXX XXXX XXXX
Product: Debt collection

Since XX/XX/2018, my personal information has been illegally shared by XXXX XXXX with a company named XXXX. XXXX claims that Jefferson Capital Systems , LLC is their client and that I owe {$60.00}. I have been harassed repeatedly for years with them overwhelming my inbox. It has been stressful. I am a XXXX XXXX  already dealing with enough mental health issues. I do not have an account number for this alleged debt and did not give my express permission for a person, corporation, or any third party to release my personally identifiable information or contact information. The information that they have obtained is also grossly incorrect! Please just make it stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX today regarding the payment I made on my credit card with them. The balance is paid in full and I owe nothing on the credit card but the payment did not reflect on my credit report. The representative I spoke with told me that it will be reported when the credit card cycles in XXXX. I mentioned to the representative I spoke with that the last activity reported was XX/XX/2021, the month of XXXX activity has not been reported. The representative proceeded to tell me to dispute it with the credit bureau. XXXX XXXX has been inconsistent in reporting my account activity to my credit report. A lender pulled my credit report and informed me that XXXX XXXX has reported my mortgage payment as not current when all my payments were current. The lender who pulled my credit report is now asking for a letter from XXXX XXXX stating that I was not late for more than 30 days for the past 12 months on my mortgage payments and XXXX XXXX is dragging its feet to provide that letter to the lender. I want XXXX XXXX to fix this ASAP. Thank you for looking into this.
Product: Debt collection

XXXX XXXX  date open XX/XX/XXXX for the amount of {$1700.00} debt not owed XXXX XXXX  amount {$770.00} date opened XX/XX/XXXX XXXX  XXXX date opened XXXXXXXXamount owed {$600.00} XXXX XXXX XXXX  {$290.00} account opened XX/XX/XXXX debts are not owed
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I have disputed these medical bills via telephone, XXXX  XXXX  and in person and still nothing has been done.and upon further investigation supposedly by XXXX  XXXX  they have the nerve to say that after further investigating that it was me who made these costs
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial lost and i seek appropriate redress for these violations
Product: Student loan

Company ( Navient ) is non-responsive and has requested duplicate documentation- numerous times over the last 12 months in an effort to stall and let my account go delinquent. I have continued to make monthly payments based on US Department of Educations Laws and guidelines. This is based on the max. percentages allowed of borrowers discretionary income and on current income documentation provided to Navient with a New Income based repayment form..
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Last request/response from Navient : Navient stated that my  XXXX  tax return was no longer a valid form of income verification because it was now outside the first Quarter of  XXXX ??? This form of income verification was used and additional documentation ( example : former employers verification of date when job was lost ) which by the way has now been over a full year ago. Yet Navient continues to place obstacles in my way to utilizing a Income Based Repayment plan. They have offered deferment ( numerous times ), which is not a good choice, because all that accomplished is a few months delay on your payments and then they resume ( with additional interest charges ), Navient avoids at all cost, offering what the US Department of Education endorses in repayment plans. Including the Income Based Repayment Plan.
Last request from Navient was for pay stubs and a New Income based form. All this documentation was down loaded ( XX/XX/XXXX  ) per their secure website and since I sent the documentation they requested, they have gone silent ( current date  XX/XX/XXXX  ) or 5 days since they received the required new income documentation. No response- no adjusted repayment plan-nothing. In researching a reason this was occurring, I found where the CFPB is suing Navient for exactly the same issues/problems that I 'm experiencing.
I lost my job in XX/XX/XXXX . It is now XX/XX/XXXX . My student loan payment is {$1300.00} per month and represents over 96 % of my decresanary income? This is a violation of US Department of Education Laws and no adjustment has been made in now over a year of trying to work with Navient. This includes sending the same income verification documents 4 times. I have notified the Attorney General of the State of Georgia and other legal and Government organization and agencies and am supplying them with all the correspondence ( and dates ) that and if I receive from Navient going forward.
Product: Credit reporting or other personal consumer reports

I called XXXX XXXX home insurance XX/XX/XXXX to request a quote. I did not sign up for insurance through them, and instead signed up through XXXX XXXX. XXXX XXXX created a fraudulent insurance policy that I did not agree to, under the name " XXXX XXXX '' ( my actual name is XXXX XXXX, but I spelled the last name " B as in 'boy ', U-E-S-S '' on the phone with them ). I got mail addressed to XXXX XXXX, which I ignored ( as that is not my name ). I eventually discovered they had fraudulently created a policy for me and contacted them, and they were not willing to admit that the policy was forged and did not provide my " signed '' documents to me as they said they no longer had them on file. I told them I would not be paying for it as it is not even under my legal name. I did not think it could affect my credit since it is not under my name, but I have now received a hit on my credit score ( which I checked because I am preparing to purchase a vehicle ). This is due to insurance fraud, which I can prove, and I would like it removed from my credit report. It appears the account was fraudulently created XX/XX/XXXX ( After my insurance policy with XXXX XXXX was already in effect ). I assume this because that is the date I see an email in my junk mail folder saying " Welcome to XXXX XXXX. '' I had inquired with LM on XX/XX/XXXX, and can see that I received emails from them between XX/XX/XXXX and XXXX asking me to " sign my documents. '' It appears they must have forged signatures XXXX. I have attached screen shots from my email ( starting XX/XX/XXXX ) with the requests from them for me to " sign documents, '' as well as the XX/XX/XXXX email " welcoming '' me to XXXX XXXX ( indicating the date the fraud likely took place ). Please note the effective date on the fake policy, which is the same as the effective date on the XXXX XXXX policy I have also attached ( proof that I did not agree to the LM policy and instead went a different direction ) -- this was the date of the purchase of my new home.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 a personal credit card account opened at XXXX XXXX XXXXXXXX XXXX XXXX under the account number XXXX an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$440.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX 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

I received a Notice to Foreclose on court house step for XXXX XXXX, XXXX. The notice is dated XXXX XXXX, XXXX from Brock & Scott PLLC. On XXXX XXXX, I sent a Dispute for the Foreclosure Notice requesting Brock & Scott PLLC to identity who they are, such as a holder in due course, a creditor, etc., and who authorized or gave them the authority to foreclosure along with a list of other questions I needed answered. Brock & Scott is a XXXX party debt collector and do n't have standing to foreclose. I asked for payoff information as well. On XXXX XXXX, XXXX, I received a copy of the security deed ( stamped original ) and a bad copy of the " Note '' and the accounting that I never asked for. None of the other questions were answered. Under the FDCPA it states foreclosures must be done in a judicial court. They are threating to sell my property on the courthouse steps on XXXX XXXX, XXXX. The lender listed on my paperwork is XXXX. XXXX did an assignment in XXXX to XXXX, but XXXX was bankrupt and no longer in existence in XXXX. How is that possible?
Product: Checking or savings account

I am trying to enroll in the CitiGold subscription rebate program. I called the phone number listed on the webpage to sign up at XXXX XXXX XXXX However, there is no option in the phone tree to sign up. When I chose the option to speak with a representative, the phone just hangs up. 

I tried using chat messaging to sign up, but the representative then told me I had to call the number which I just called. 

I also tried emailing my representative who has not responded to my emails for several months. 

Everyone seems to be very much checked out and unhelpful.
Product: Debt collection

I 've sent debt validation requests via USPS certified return receipt and these people do n't understand that this is not mine. They refuse to cease collection activity and remove then report it back on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$780.00} XX/XX/XXXX -- -- XXXXXXXX XXXX  {$500.00} XXXX XXXX {$1400.00} couldnt find a date XXXX XXXX {$980.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$1400.00} XX/XX/XXXX 2019
Product: Student loan

On Wednesday, XX/XX/XXXX, I contacted Edfinancial to request a refund on all payments made throughout the payment pause that started in XXXX which is allowed under the Cares Act. 
I was shocked when they notified me that the processing times would be a minimum of 150 days. I called them again the next day to inquire about the refund submission process and from everything they told me made it clear that Edfinancial is the culprit in delaying the Refund request submissions to the Department of Education. 

It is clear as daylight that edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and people that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart, and their recent transgressions and shady practices in which they were fined very heavily leaves me to wonder why do they still have their federal loan servicer status. 
PS : CFPB should investigate this company again for their very anti-consumer practices and have their license revoked as a federal loan servicer if found guilty.