23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into a XXXX XXXX store. I had purchased a phone that I could use with their services and wanted to transfer my phone number over to them. Once there I provided photo ID ( Driver 's License ) and my Social Security #. They informed me that someone with a different name had an account already opened with my Social Security number. 

At the time they wanted me to fax a copy of my social security card to their activation department, which I grabbed and brought with me to the store, but there was no fax machines on location. They told me to call customer care. I have called customer care six times now, starting on Sunday XX/XX/XXXX, and no one has been able to help me in correcting this fraud. One of their customer care phone operators, XXXX, guided me to this website to file a claim. 

I have received little to no help, I have found out that multiple employees did not file fraud claims as they said they would. I have received differing stories on how long this process will take, and have been told multiple different and conflicting ways to handle the problem.
Product: Mortgage

During the XXXX  year, I have sent an additional {$200.00} ( or approximately {$2300.00} ) with my Rushmore Servicing mortgage payment to cover any potential escrow shortfall. The additional money sent, was more than enough to cover any potential increases in insurance and taxes so as not to have the mortgage payment increase the subsequent year. 
To my surprise, in midXXXXXXXX XXXX I received a call from Rushmore Servicing informing me that I had a mortgage shortfall of {$740.00} and that my mortgage payment would increase. 

I have called Rushmore Servicing several times to have them review their escrow calculations. The customer service representatives who handled my phone calls could not resolve the issue. I then requested to speak with a supervisor or manager in order to review with him/her their escrow calculations against my detailed spreadsheet, which depicted my payment and extra escrow payment breakdown, to rectify this mistake on their part. 
No phone calls were ever received from a supervisor or manager. 

Hence, the reason why I am submitting this complaint to humbly ask the CFPB 's to assist me in rectifying this subject matter with Rushmore Servicing Mortgage Servicer. 


P.S. My detailed spreadsheet is attached. 


Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX PH : XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, i put forward my detailed allegations of iinaccuracies and deficiences of reporting. I communicated that Per the FCRA section 611 ( 15 U.S.C. 1681 ) and METRO2 compliance standards my file is to be accurate and complete. My consumer record continues to have inaccuracues and none of my complaints have been acknowledged by the consumer reporting agencies. Further violations. 

The following account : XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX / XXXX - XXXX ; 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section State : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> someone hacked my account and sent {$75.00} to someone I dont know I requested a refund but I've heard nothing from cashapp or the person the money was sent to I've requested a refund XXXX  times and nothing is being done
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been submitting validation/ dispute letters since XX/XX/2019 about the inaccurate reporting of a public record applied to my personal credit report. 
Whom ever this collection agency is listed as Unkown or -- - on my TransUnion Credit Reporting. The  balance is XXXX but I'm unaware of what account ( s ) are linked to this inaccurate reporting. I've requested information linked to this debt such as the name of the person the information was collected, address & their contact information. The credit bureau hasn't sent me any information linked to this public record. Since the credit bureau could not furnish any documentation or any information, I requested complete removal of this public record from my personal credit report. The unverified item still remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FDCPA, specifically 15 US Code 1692 ( c ) ; this is my formal declaration to terminate and cease all communication from you in regard to the debt you are attempting to collect.

In response to the Ceasing Communication Notice, in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place. 

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication, confirming your acknowledgment of this letter, is in violation of the FDCPA. 

In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication a lawsuit will be commenced against you. 

Accounts in question : XXXX XXXX XXXX - {$76.00}, XXXX XXXX XXXX XXXX - {$290.00}
Product: Student loan

Navient is violating the Debt Collection Rule under the Fair Debt Collection Practices Act that was issued on XX/XX/XXXX. 

Navient has called me 9 times in a 7 day period and twice in the same day *after* speaking with a manager ( XXXX ) about the debt. The manager also threatened to send the matter for litigation before my supposed amount of time and stated I should really look up what default means and then proceeded to state " I can see you own a home '' - as in she was threatening the home I own but also threatening the 2 other people on the deed, this is a continuation of the harassment I have been receiving from Navient. They are also violating my state 's ( Connecticut ) 2 Party XXXX law when I have repeatedly stated I do not consent to being recorded- multiple Navient employees have ignored me and have even made statements such as " by you staying on the line that is consent '' - which of course is very false. Navient has stated to multiple agencies they have not violated this law, except - call logs show extended time on the phone and of course ... .there are recordings. I have been hung up on, Navient sends me emails stating I have a " dedicated account representative '' even though that person has never once contacted me and when a Navient employee calls and I state I was told I have a " dedicated account representative '' they ignore me. 

The attached will show Navient calling me from a NY based phone number as well as their manager calling me from a DE based phone number. 

All calls stated below were answered by me except the XX/XX/XXXX XXXX but that was placed in the same day that I picked up earlier in the day. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after ending the call with the manager, another XXXX conversation with an employee ). 
XX/XX/XXXX = XXXX XXXX XXXX XXXX this makes the 3rd in one day, and I expressly asked the employee on the XXXX call if I was going to be called again at night as it was apparent Navient placed me on a 2 call per day harassment schedule - one at the XXXX hour and the other at XXXX hour, does not matter if I picked up an earlier call or not. 

XXXX Navient has violated this rule once before
Product: Student loan

I applied for Pslf XX/XX/XXXX. I submitted the application through fax. I have the receipt from the fax. MOHELA states I need to work with Federal Student Aid. FSA states that I need to work with MOHELA. Each time I call, Im on hold for over 30 minutes and the customer service rep does not seem to understand or be of help. I am told to re-apply but then I will be past the deadline of XX/XX/XXXX. I dont know what to do now.MOHELA site shows that I faxed the application. FSA site shows I never submitted the employer verification form. I still have the copy if it needs resubmitted, but I cant get an answer on what to do. 

Thanks.
Product: Payday loan, title loan, personal loan, or advance loan

I recieved a scam call saying that a payday loan was taken out in my name in pennsylvania back in XXXX I never did and payday loans are illegal in my state. checked my 3 credit reports and nothing shows as far back as XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  - {$460.00} XXXX XXXX XXXX  {$460.00} XXXX XXXX XXXX - {$2800.00} XXXX XXXX - {$1400.00} These accounts do not belong to me. These accounts appear on my credit profile and are constantly being updated. 

I am citing : 15 U.S. Code Subchapter V- Debt Collection Practices
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this alleged debt with Equifax on multiple occasions. I have sent several notices via certified mail to Equifax asking for their method of verification concerning the alleged debt from XXXX XXXX  listed on my credit file and they have failed to comply with my request. Equifax is in clear violation of the FCRA and can be sued for violations of such. i demand immediate removal of this inaccurate unverified account from my credit file within 30 days of this complaint! I will enclose a copy of the letter and certified mail receipt of my latest attempt to resolve this matter. XXXX XXXX is not an acceptable means of verification when i asked for a fair re investigation granted to me by my consumer rights. this will be my last attempt to resolve this matter before i take legal action. if this account is removed immediately i will consider this matter resolved.
Product: Credit reporting or other personal consumer reports

To whom it may concern,, I looked at my report. I sent a letter to Equifax asking them to reinvestigate these accounts : XXXX XXXX XXXX, they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- the person has been notified by the consumer, at the address specified by the person for such notices, that specific informatin is inaccurate; and ( i ) the information is, in fact, inaccurate.

Equifax really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Product: Mortgage

I, XXXX XXXX XXXX received FIFTH THIRD BANK adverse letter dated for XX/XX/2022. It stated I was denied due to the inaccurate information received from the consumer reporting agency/agencies : XXXX, XXXX and XXXX. 

Pursuant to 15 USC 1602 ( f ), The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. In regards to 15 USC 1602 ( f ), CREDIT IS MY RIGHT AS A CONSUMER!! 

On XX/XX/2022 I initiated a credit transaction with FIFTH THIRD BANK, where I applied & extended Credit by utilizing my Credit Card, as defined under 15 USC 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, card number ending in XXXX Credit was extended to FIFTH THIRD BANK with my Credit Card, card number ending in XXXX, in return for me obtaining a mortgage loan or better defined as money under 15 USC 1602 ( l ) to purchase my future home with. Unfortunately, FIFTH THIRD BANK has violated my Consumer Right and failed to complete the credit transaction by not granting me the Right to defer payment as defined under 15 USC 1602 ( f ).

In result of this adverse action, FIFTH THIRD BANK has also committed a federal crime by violating 15 USC 1602 ( p ) -The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. FIFTH THIRD BANK in-fact utilized my Credit Card, card number ending in XXXX, on XX/XX/2022, and XXXX XXXX XXXX, the cardholder- received no benefits from FIFTH THIRD BANK unauthorized use of XXXX XXXX XXXX Credit Card on said date and credit transaction .

In conclusion, pursuant to 15 USC 1691a ( 3 ) - Activities constituting discrimination, ( 3 ) because the applicant has in good faith exercised any right under this chapter, FIFTH THIRD BANK shall not discriminate against me because I have in good faith exercised MY RIGHT to Credit as defined under 15 USC 1602 ( f ).
Product: Debt collection

I have contacted this collection company in regards to fraudulent XXXX account opened in my name. I requested copies of any proof such as DL, contract or signature. Creditor is unable to provide any requested documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is resubmitting this CFPB complaint in an effort to refute the false information you claim is on my credit record. I was a victim of identity theft once more, and I never made the payments to these companies. I'm asking you to delete the information in my credit file that you are currently reporting in accordance with the Fair Credit Reporting Act. I think I never actually agreed to any contracts with these businesses. Your deliberate disregard for Federal law constitutes a clear violation of consumer rights. Please get rid of the account that is listed on my credit report, as I beg you. You must delete any accounts and information that were created as a result of identity theft in accordance with Fair Credit Reporting Act section 605b ; kindly do so. The following things must be taken away as soon as possible : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$220.00} XXXX  Inquiry Date XX/XX/2021
Product: Checking or savings account

I am a customer of HSBC USA. In early XXXX, I found that my account was locked by HSBC USA. After negotiating with HSBC USA, they believed that my bank account was at risk and that it was necessary to re-examine it. During the negotiation with HSBC USA, I stated in detail that I am a XXXX customer and that I applied for and used an HSBC USA account in compliance with U.S. laws. I requested them to restore my account as soon as possible. However, it's been a month and they still haven't reinstated my account. I think they are severely discriminating against XXXX customers. They casually suspended my account just because I am from XXXX. This has had a very serious impact on my life. We have always known that the United States is a country of freedom, equality, and democracy. I can't believe that in this land, such discrimination against other ethnic groups is still happening. At the same time, I believe this is the work of a small number of companies. I hope CFBP can uphold justice for us consumers and provide a fair environment for this land so that discrimination against other ethnic groups will no longer happen in the United States. God bless the United States.
Product: Credit reporting or other personal consumer reports

Service Finance has this listed as a mortgage and when I contacted them about this they said it was the credit bureaus that made this mistake not them. I can not seem to get this error corrected by the company and the credit bureau. This is not a mortgage it's a hvac loan with no collateral. The service finance company did email me a doc showing its not a mortgage which is attached but XXXX says different and won't change my credit report.
Product: Credit reporting or other personal consumer reports

I noticed that my most recent credit report contains that this is not closed on my credit report on this was settled for a amount of {$1300.00} that was paid and agreed upon with collections for the account. They stated once paid it will be removed from my credit this is not 5 years later and still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I explained to the people at Equifax that someone has my information & has been trying to open accounts in my name. Please delete this information
Product: Mortgage

In XXXX I started a forbearance agreement with my mortgage company due to my wife 's hours being cut to almost nothing. Her hours have stabilized so I am trying to end it and get my mortgage current. I have been trying to contact the company for a month, but the phone lines just keep sending me through the automated system and they will not respond to an email. I have followed all their directions and yet no one will answer back to help me resolve my forbearance. Because no one will answer me and my forbearance expires today I requested to extend to the federally mandated 180 days to help protect my credit. They still have not approved that yet. They are not in compliance with the CARES act and are making no attempt to be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Late payments from XXXX XXXXXXXX XXXX Installment Loan of {$520.00}. Account # XXXX from XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states. ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Product: Student loan

Navient XXXX XXXX XXXX XXXX, PA XXXX This student loan company gave me false information about my student loan, although I was making payments, and was diligent about annual renewals, and communication. The problems have been ongoing and Navient has withheld the truth about the loan. I discovered the extent of the dishonesty when I decided to consolidate all of my loans. 
In XX/XX/XXXX I began the process of consolidating all of my loans at the Federal Government rate of 6 %. I tried to negotiate a lower rate than the +9 % I was paying but Navient refused. 
As I began the consolidation process that would add the Navient loan to my XXXX, I was told my loan could be added and yet as I continued to talk to XXXX, I was told over and over that the loan was not a federal loan but a private one. I called Navient, and was told the opposite. They swore it was a federal loan, and someone who was a supervisor even promised to access the national data base files and ensure that my loan would be recognized as such. He even told me to call back in 3 days to ensure that all of the work was done. When I called back I was transferred a number of times, and then hung up on by the agents. 

XX/XX/XXXX " During a review of your account we discovered that accrued interest was added to your loan, for which you are not responsible. '' Money was added to my loan during the periods of forbearance, and even during the time I was making payments. 
Phone calls made during the summer of XX/XX/XXXX, show that I had to call back numerous times because I was hung up on. Further, it was revealed by one of the agents, that I was paying an unusual high interest rate, " higher than she had ever seen. '' It is revealed that my loan is a PRIVATE SMART LOAN, and that Navient knew this all along. Further, my LOAN has had NO LENDER since XX/XX/XXXX when XXXX XXXX XXXX XXXX XXXX, the lender " bailed. '' Navient did not disclose this information, nor did they discuss the fact that Navient became my lender without my knowledge. 
During XX/XX/XXXX, I called to renew my payment plan and was put off, and transferred numerous times. Because I was already making automatic payments, a larger amount was automatically deducted from my account. When I complained and had proof of my phone calls, I was told the refund of my money was delayed for some time. 
Navient wants me to enter into a forebearance, for 3 months and after that time try to extract a larger amount from me for repayment. The goal for Navient is not so students can pay off the loan, but so they will owe much more money through accrued interest, for longer periods of time.