23daVinci/CFPB_Complaints huggingface dataset:
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 XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$69000.00} that appears related to the aforementioned personal loan account opened at 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 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: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024XX/XX/year>
Product: Mortgage

There is NO RECORDED ASSIGNMENT OF MORTGAGE on my deed/property ( see attachments ) including Maryland Department of Assessments & Taxation ( Nothing On FileCERTIFIED COPY ) XXXX XXXX XXXXXXXX XXXX ) I requested the servicer to stop any further foreclosure action/sale per my MOTION C-16-CV-23-003851, filed in Upper XXXX, XXXX XXXX XXXX XXXX Maryland 2 ) I advised the servicer* that I am aware XXXX XXXX XXXX XXXX XXXX, is the Trustee on my DEED OF TRUST : XXXX XXXX XXXX ) I requested for who is the Trustee, full address, city, state, and zip code on my Promissory NOTE.
Product: Student loan

When attending XXXX school I took out both federal ( with both subsidized and unsubsidized portions ) and private loans with Sallie Mae. At some point Sallie Mae sold my loans to Navient who is currently still my loan servicer. During the Covid-19 emergency it was announced that loans owned by the department of education would not accrue any interest. To my surprise my federal loans have been steadily collecting 4.5 % interests. Because I am on an income-based-repayment plan and every year I re-certify through the department of education, I continued being under the assumption that the department of education owns my federal loans. However when I called Navient they told me that my loans are charging me interest because they are not owned by the department of education and they are commercially-owned. When I ask for explanation they refer me to the department of education but the department of education keeps referring me back to the loan servicer, navient. Navient claims they were always commercially owned. Navient is also telling me that I will not be eligible for loan forgiveness till XXXX although my loans were first disbursed in XXXX. I'm entitled to an explanation. Why and when did my federally-owned loans become commercially-owned and why? Although I'm not fully employed and my income-based-repayment amount is XXXX, I've been making consistent payments of {$200.00} to cover the interest rate. I think I'm at the very least entitled to an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called into the XXXX XXXX XXXX IN XX/XX/2020 ( like everyone else ) and got an automated system and elected to use the government mortgage relief program for Covid-19. I was suppose to be called and we were to discuss what OPTION I was going to CHOOSE. I was never contacted. And they ( XXXX XXXX XXXX   ) WITHOUT MY KNOWLEDGE CHOSE THE Forbearance OPTION. I was under the strong assumption that I had many options. 

My issue right now is they also reported to the credit agencies false information about my loan. Number one : The loan should have not increased XXXX. ( they added another XXXX plus another XXXX to the loan. That was reported to the credit agency AS WELL AS THE FORBEARANCE. Also I did not choose to be in any kind of forbearance or loan modification as of yet. I was suppose to be contacted and choose the option on my own. 
My credit score decreased in value today BY 29 POINTS. With my Credit simulator my credit score would have been XXXX next month. Instead it dropped to XXXX And I have been working on getting an excellent credit rating for years now. Their were suppose to be NO credit reporting from any mortgage company during this time of COVID-19 CRISIS. But XXXX reported the credit to the agencies. 

I feel I have been wrongfully serviced by XXXX during this Covid-19 experience. I feel that they owe me an NORMAL loan and let me out of this predatory loan that I am in. 

Thank you in advance for your help XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I the month of XXXX a fraudulent application was made to Chase bank for a credit card in my name using my SSN. I received a notice from XXXX about the inquiry and upon learning that the request was made by JPMCB I contact them to report the app was fraudulent. I asked for other identifying information that may have been used in order to determine how much of my personal information may have been compromised but the bank refused to give me that information. They did shut down the application as fraudulent.
Product: Credit card

My identity was stolen and a imposter turned into me by using my date of birth, social security number and name to open up this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and saw several accounts and addresses that I have never lived and or been associated with. I did file a police report about the fraudulent information on credit report. Below I will list the accounts and address that are incorrect on each credit bureau XXXX Credit Report : Account Name : XXXX XXXX Co L Account # :XXXX Date Opened :XX/XX/XXXXBalance : {$300.00} Account Name : XXXX XXXX XXXX   Account # :XXXX Date OpenedXX/XX/XXXX Account Closed Account Name : XXXX XXXX XXXX Account Number:XXXX   Date Opened:XX/XX/XXXXAccount Closed Account Name : XX/XX/XXXXAccount # XXXX  Date OpenedXX/XX/XXXX Account Closed XXXX fraudulent address listed below : XXXX XXXX XXXX XXXX XXXX GA XXXX  Equifax Fraudulent addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX   Equifax has birthdate incorrect as XX/XX/XXXX XXXX Credit Report : Account Name : XXXX Account # : XXXX Date Opened:XX/XX/XXXX Account Closed Balance : {$1700.00} XXXX  Fraudulent Addresses:XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX  , GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX has my named misspelled as well XXXX XXXX
Product: Credit reporting or other personal consumer reports

denied an extension of credit by XXXX XXXX XXXX. XXXX applied for a credit card with XXXX XXXX XXXX  As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ).

has violated my federally protected consumer rights.

1. 15 U.S Code 1642 2. 15 U.S Code 1681 M 3. 12 CFR 1002 proof and evidence that I have been discriminated against, you are also criminally liable.
Product: Debt collection

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. I am writing to formally request that you cease and desist all communication and collection activities regarding the account referenced above. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits further communication from your company under certain conditions. 
Please consider this letter a formal request for the following : 1. Immediate cessation of all phone calls, letters, or any other forms of communication regarding the debt.

2. A written statement confirming that you will no longer pursue collection efforts.

This request does not acknowledge the validity of the debt, and I am not admitting any liability or responsibility. This is simply a request to stop the collection activities. If you continue to contact me after receiving this request, you may be in violation of the FDCPA, and I will pursue appropriate legal actions. 
I also request that any information regarding this account be reviewed for accuracy, as I dispute the validity of the debt and reserve the right to request further documentation. 

15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681e ( b ) 15 U.S. Code 1681s-2 Please provide written confirmation of your receipt of this letter and your intention to comply with my request. Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Product: Mortgage

My mortgage was with Well 's Fargo Home Mortgage. In past I have had a number of issues with this company & reported them @ leaset 2-3 times for these issues. Therefore I recently refinanced my home with XXXX XX/XX/XXXX since this is my current bank & plus interest rates came down. Also I wanted to get rid of Well 's Fargo because of all the errors they have made over the years. My Mortgage was paid off in full on XX/XX/21 by my XXXX new acct. BUT to date, XX/XX/21, Well 's Fargo has NOT sent me my escrow monies. Yes I did call them & supposedly was told sent on XX/XX/21 BUT why were they awaiting so long to release my escrow? Were they awaiting to get any interest on these funds?? I am unsure how the banking system works, yet in todays economic climate, as soon as my mortgage was paid in full by XXXX, Well 's Fargo should have released my money. Again today is XX/XX/21 & I have NOT received my funds. THIS is like my 3rd complaint about this banking company & something should be done re : their inept practices. 
I have been a dedicated consumer & was way ahead on my mortgage payments. In fact my next payment, IF I stayed with them, was due XX/XX/21. So show respect for a dedicated consumer.
Product: Student loan

In  XX/XX/XXXX  I took out a student loan serviced by  XXXX   XXXX  ( now serviced by Navient ). The loan was disbursed  on XX/XX/XXXX  in the amount of {$32000.00}. I made payments on the loan but had difficulty making the high payme nt. When I approached  XXXX   XXXX  the only option was forbearance. They said I did not qualify for any other repayment plans. Every time I called they offered me forbearance or a couple of months deferment. I have been making monthly payments on the loan with out missing a single payment or having forbearance/deferment sinc e  XX/XX/XXXX . Pl ease see the attached spreadsheet that I downloaded from the  Navient w ebsite. Currently I make a payment of {$340.00} per month. The amount is applied to both interest and principal. My principal balance never goes down. In fact, it goes up. I currently owe {$37000.00} and I have been paying on this loan for over 10 years. As of today, I have paid {$27000.00} toward my loan. Why has n't my principal gone down? Why do I owe more than I every took out, 10 years later? I feel that   XXXX   XXXX  /Navient is misapplying my payments, has misguided me and has not been truthful with me about repayment options throughout the course of this loan. My interest rate is set at 6.5 %. I have also asked about lowering the interest but they say I 'm not eligible. They have been impossible to work with when I did ask them about repayment options or why my loan balance never goes down. They also claim that they will follow up with me. When I call them back they say that they have no record of talking to me. When I send in documents they claim to never have received them. I understand that the CFPB has filed a complaint against  Navient. I know that I am one of the people who has been wronged by Navient.   Please let me know what I need to do to correct this problem that I have had. The loan amount and the payment amount are a huge financial burden on myself and my family. My current estimated payoff date  is  XX/XX/XXXX . I do n't see how I could ever pay this off with the way they are servicing the loan.
Product: Debt collection

I am writing to dispute the following information in my credit file. There is a collection account on my credit report in the amount of {$110.00} XXXX charge off/past due ). This charge is associated with my old XXXX account, # XXXX. Throughout my entire two-year contract, it can be seen that I never missed a single payment and all payments were set for automatic payments. 

Before moving in XXXX 2015, I successfully closed my XXXX account and returned all of the equipment. I then opened up a new XXXX account, # XXXX. Again, with this new account, it can be seen that I make all payments on time, in full, through auto-pay. 

I am requesting that the negative collection account charge of # XXXX be completely removed from my credit report as it has been paid in full and that I am in a good standing consumer relationship with XXXX. 

I am only XXXX years old, and because of this erroneous error charge, my credit score as severely decreased, causing me great financial harm in the future. If this error is not corrected and erased, I will have no choice but to bring legal action through my lawyer as well as through the Federal Trade Commission via my XXXX XXXX XXXX XXXX, our current Maryland United States Senator. To whoever is reading this, I plead that you help me in getting this charge removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$450.00} ; XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, XXXX, Experian ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX XXXX BREACH. 

This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed
Product: Debt collection

After looking over my credit report I ran across a collection from this agency. They are reporting on my credit report so I send them a certified letter with conf # XXXX XXXX XXXX XXXX XXXX in which they are still reporting inaccurate and incomplete information on my credit report. My lawful consumer right allows me to compel you to eradicate any and all aspects of injurious adversary and or derogatory accusations not entirely true, correct, complete, timely, mine, my responsibility, or else wise compliant and furthermore PROVEN in testimonial certificate of fact to be compliant to all aspects of reporting regulations, laws, precedence, and standards of reporting practices TO INCLUDE irrefutable physical evidence of your perfect METRO 2 COMPLIANCE! A deficiency in one or all is unlawful and makes you liable to me should I elect to gain suitable resolution. I received no response according to my letter.
Product: Money transfer, virtual currency, or money service

While I was out running errands on XX/XX/2021 I was contacted ( via my cell phone ) at XXXX XXXX by someone named XXXX, claiming he works for XXXX XXXX. He stated that because my account was delinquent, a tech would be at my home within the next 45 min to shut off power. He said I could pay using a credit card, but that would take approx. 12 hrs to process. If I had a Zelle account, the payment would be processed immediately. 
Using my XXXX XXXX account, I made one payment of {$290.00} to : first name : XXXX last name : XXXX XXXX When I gave XXXX the conf. number, he claimed it didn't go through and would I please try again. I sent another {$290.00}. 
The confirmation number I got from XXXX was : XXXX I was contacted at XXXX XXXX, apparently by a " supervisor '' named XXXX XXXX ( phone number XXXX ) who said he had received confirmation from XXXX XXXX that my first payment would be credited back to my account and only the second would be processed. 
When I was able to look at my XXXX account online, it was clear that my account was NOT delinquent and was clearly scammed. I am now out {$590.00} for these two payments through Zelle.
Product: Credit reporting or other personal consumer reports

These inquiries listed below are not mine and I want them to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Recently applied for a business card on XX/XX/year>. This was a business card using my ein number and it has now put a hard pull on my credit. Nothing was told about a hard pull and I would have never applied if I would have known it would affect my credit and not a soft pull on my ein number. I work very hard to keep my hard pulls to a bare minimum and this should have been for a business account not against my personal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I attached an FTC report with XXXX account and inquiries I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is not in compliance with the FCRA and are furnishing incomplete information on my consumer reports.
Product: Checking or savings account

My partner and I received multiple fraudulent charge notifications from Ally regarding debit card purchases from our joint checking account. I contacted Ally Bank to close down the card in question but continued to receive notifications. I disputed these charges and they reimbursed me. Then, today XX/XX/22, my partner and I receive the same notifications. We log on to see fraudulent charges and despite attempting to contact Ally over 5 times with holding on the phone over 45 minutes multiple times I have not been able to reach anybody. The debit card in question has never been activated or used. It's never even left the safe location we keep it in within the house. It seems like there is a major data breach that Ally Bank is not sharing with it's vulnerable customers.