23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have late payment entries on my credit report from Navient by the following events beyond my control : 1. I had a student loan held by XXXX - and I was actively enrolled in a direct debit payment. 

2. XXXX sold my student loan to the newly formed company Navient - but included an old address ( my parents ) with my account. 

3. Navient sent loan ownership and payments due notices to my old address - which sat unopened. 

4. My mother sent old mail to me, I became aware of the situation, and quickly paid my outstanding balance and set up a direct debit agreement. 

5. My account has been, and is currently in, perfect standing. Instead of reporting the single payment that was missed, Navient has reported on XXXX smaller loans - resulting in terrible credit. 

This is a completely inaccurate view of my credit, costing me thousands of dollars on my home loan. Navient has been immovable. I would so very much appreciate your help in resolving this issue.
Product: Mortgage

My name is XXXX XXXX, I have requested a short sale from Ocwen and I am being foreclosed on, due to their failure to allow me to continue with the short sale, my broker has received an offer and the whole short sale package was sent to the bank and they keep denying that they received it. 
We are now going into two weeks of back and forth with them and they have put a foreclosure sale date for XXXX XXXX even though there is an offer in place and buyer, but they refused to postpone it aside from that they refuse to do a interior home appraisal to take into consideration the value because they have over valuated the property other properties in better condition than mine and so they are saying that the offer they assume is to low I need someone to get involved although I talked with managers there intentionally for closing on my property without allowing me to finish the short sale with having an offer in place this is been going on for several weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I go to log on to the Experian site for a credit freeze it refuses to except my current username and password even though I am 100 % sure I have entered it correctly. Also, after answering several security challenges questions correctly, XXXX XXXX locked my account and requests that I mail them a photocopy of my drivers license, utility bill and social security card. I do not have a social security card, so my account has been frozen by Experian permanently in error. 
I believe this is a blatant attempt by Experian to force a consumer to pay to have their account unlocked or lift a freeze by purposely and falsely not recognize someones correct username and password or security questions. 
I have written to my congressmen to hold hearing into these tactics taken by the 3 credit bureaus which are falsely locking consumers accounts so that they have to pay for one of their security programs. Hopefully, they can prevent this type of consumer abuse in the future.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

From the dates of XX/XX/2020 through the present date of XX/XX/2020, the credit companies of Experian and XXXX  have incorrectly reported the balance of my XXXX XXXX XXXX as {$620.00}. The correct balance for this time period is {$0.00}. I have filed numerous disputes From XXXX through XXXX to correct this situation, but the results have not initiated a change in the incorrect balance. This has resulted in damage to my credit score from XXXX of this year. Now there systems are refusing to allow me to further dispute this incorrect balance and I'm receiving no cooperation from there live agents. They are consistently giving me scripted answers that are only frustrating me and lowering my credit score. Because of this incorrect reporting, my application for a personal loan with XXXX XXXX was denied on XX/XX/2020. My XXXX XXXX XXXX is listed as XXXX on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX / XXXX XXXX  Credit Card This is not my account and it is on my credit report. This card was not opened using my SSN or NAME. 

Please have credit reporting company remove this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I go to log on to the Trans Union site for a credit freeze it refuses to except my current username and password even though I am 100 % sure I have entered it correctly. Also, after answering several security challenges questions correctly, Trans Union locked my account and requests that I mail them a photocopy of my drivers license, utility bill and social security card. I do not have a social security card, so my account has been frozen by Trans Union permanently in error. 

I believe this is a blatant attempt by Trans Union to force a consumer to pay to have their account unlocked or lift a freeze by purposely and falsely not recognize someones correct username and password or security questions. 

I have written to my congressmen to hold hearing into these tactics taken by the 3 credit bureaus which a falsely locking consumers accounts so that they have to pay for one of their security programs. Hopefully, they can prevent this type of consumer abuse in the future.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I disputed information and provided proof of identity theft snd proof of address I have also supplied identity theft affidavits address affidavits as well with said companies XXXX XXXX XXXX Transuion These companies failed to protect my consumer rights and also violated section 605b of the fair credit report act /penal code they have also failed to thoroughly verify fraudulent accounts I have filed a legal suit against the above stated companies I requested that the companies provide proof and documentation as to how they verified the said collections and inquiries on my personal credit report below are the fraudulent Accounts and inquiries from each company Transuion XXXX XXXX they gave
Product: Credit reporting

Trans Union is reporting unverified accounts on my credit report. This is in violation of Section 609 of the Fair Credit Reporting Act. which states that all account contracts need to be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX have violated my rights. 

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.
Product: Student loan

I have been working with the Department of Education and XXXX  for 2 years trying to get a 90 day late payment from XX/XX/XXXX2020 removed that was given to me during XXXX. I was told if I had made a prior payment arrangement or I was given special accommodations and my loans were not delinquent I would not incur a late payment however I did have a special arrangement made. This is causing me so much pain and not to mention the depressive state I am in because I am constantly being denied for loans and funding. THIS IS NOT FAIR and MY RIGHTS are being violated. I am being treated as though I am not a human being. 15 USC ( F ) Reporting information during XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX ( XXXX ) pandemic during the covered period. 
( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have payed off my XXXX XXXX account since XX/XX/2020. There has not been any report from XXXX for 2 months reflecting the account has XXXX balance. It shows on my Equifax credit report last reported payment was XX/XX/2020 balance is {$180.00}. This is an incorrect report. I made a my last payment with my XXXX checking account on XX/XX/XXXX for {$85.00}.
Product: Consumer Loan

Santander consumer is over charging interest on there car loans, sending out payment statements of principal and interest charged and the adjusting interest charge and princial at a later date. This is manipulative and theft of payments made towards a car. I filed a written complaint in XXXX 2015, called the customer service line to discuss the situation and now they are saying the never recieved it after i filed a complaint with texas XXXX and texas attorney general in XXXX area.
Product: Student loan

I have a right to have my Federal student loans discharged under school closure for fraud, and other by   XXXX   XXXX  .
I was attending the   XXXX   XXXX   XXXX   XXXX  , working towards a   XXXX   year degree. ( Started in    XX/XX/XXXX ). In the fall of   XX/XX/XXXX , I  was to start my last semester. I decided to continue on with a   XXXX   XXXX   degree program    instead. I was told I would have to switch online location to another   XXXX   XXXX  . So, they enrolled me in another to start   XX/XX/XXXX . 
I then received an email that the school was closed and I could not attend. The MN attorney generals office had won a lawsuit that shut their colleges down. They were no longer able to receive government student grants/ funding, etc. Also endless articles in the media. And to date WI and South Dakota schools were closed as well.
Navient has repeatedly denied they are closed. I have submitted all of the appropriate paperwork multiple times, to different addresses, plus evidence of my own. I also have a letter Navient sent me in    XX/XX/XXXX     stating ... 'due to school closure ... under federal law I have a right to have federal loans discharged ... ' They also stated in their last letter that under the Department of Ed., the school is n't closed. However, their own letterhead, dated   XX/XX/XXXX , also be ars the U.S. Department of Education stamp/seal at the top.
I am going on 6 months of Navient telling me a closed college is open. And refuses to follow through with the next step of discharging the federal student loans due to college closure for fraud, deceptive business practices, and other.
Product: Credit card

I attended the XXXX in XXXX this past XXXX as a Delegate. The XXXX contracted with certain hotels for each of our state delegations. Our contracted hotel was the XXXX airport hotel in XXXX. We we required to book a minimum of 4 nights at $ XXXX ( double their regular rate ). Most delegates booked from XXXX, but being that I am originally from XXXX I arrived on XXXX & stayed with family. I booked my hotel room from XXXX as I made plans to go directly to my fathers home in New Jersey immediately following the close of the Convention XXXX evening. I arranged to take him to some doctors appointments. The only reason I stayed at the hotel on XXXX evening was because I was required to stay a minimum of 4 nights. Upon checking in I noticed that the hotel had me booked for 5 nights & had already charged my credit card. I brought it to their attention immediately and spent all week communicating with the front desk & general manager to have the appropriate credit issued. XXXX morning I spoke to the hotel general manager to advise him I that I was checking out and would like XXXX room charge credited back to my credit card. The manager became very rude and told me he would not be issuing me any credits. I went ahead and checked out as I planned and advised him that I would dispute the charge with my credit card company. I did dispute the charge several times with Chase and each time they recharged my account simply stating that the hotel said the charge was valid. No one from Chase ever communicated with me ( their member ) regarding my dispute - they simply took the word of the crooked hotel general manager even though I provided them with a copy of my receipt upon checkout that showed a credit for the last night ( {$320.00} ) and my original booking paperwork that shows my original booking of XXXX. The hotel is fraudulently charging my card an additional night and Chase is complacent in assisting them.
Product: Credit reporting or other personal consumer reports

I have noticed a few accounts on my credit report that show that they have been PAID, or CHARGED OFF. I have also noticed these accounts still have balances on them, I would like to obtain a 1099-C copy for each of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Debt collection

I went into the hospital and my other half was trying to handle finances and wasn't so i got out and was dealing with calls while in the hospital and they wouldn't stop calling my work. They call a minim of 2 times a day a maximum of 5 times a day every day in the last week they have called me a total of 23 times and 16 of those were to my work number. This is insane they called me hours after I had a discussion with someone else. 
I am waiting for my paycheck to come in so I can make all my payments to date or pay it off but this is harassment I can't even be near my phone my XXXX  is through the roof and I already got told off for wasting company funds because the call center was taking in their calls and sending messages to me. These people sound like they're calling from their cars or public spaces and want me to give my bank info to them over the phone it's so uncomfortable.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX have both ruined my credit by unlawfully pulling my credit report. There is misinformation on my report and credit fraud which they failed to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent letters to the credit reporting bureaus XXXX, Equifax, and XXXX  demanding that they remove all the items I outlined in my letters to them. By law, they are not suppose to furnish a report without my written permission. This is pursuant to 15 usc 1681b ( a ) ( 2 ). None of the bureaus reached out to me to ask my permission to place the derogatory items on my report so therefore I demanded that they delete them from my report immediately. They have not produced any documents that says I gave them written permission to furnish things on my report. More so they also violated my rights to privacy as a federally protected consumer under title 15 chapter 41. They have not responded to any of the letters I sent them so therefore I am launching this complaint against them.
Product: Debt collection

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE ACCOUNT # XXXX OPEN IN XX/XX/XXXX  AMOUNT {$870.00} HAS VIOLATED MY RIGHTS TO PRIVACY. 

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISHING A ACCOUNT WHITOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and have extended fraud alerts which I will admit does help protect my credit by declining credit applications but nothing is done about the inquiries from the attempts at getting credit in my name. The accounts are getting denied but the inquiries are remaining ; I have sent my police report, identity theft report and proof of ID to all bureaus requesting those inquiries are removed and they always fail to respond to me or remove the inquiries.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX LexisNexis XXXX XXXX Consumer Number : XXXX To Whom It May Concern, I am writing in response to your letter dated XXXX XXXX XXXX  regarding CFPB Case # XXXX concerning XXXX XXXX XXXX XXXX XXXX While I appreciate the effort taken to resolve the matter, I find it concerning that LexisNexis is not utilizing the same methods to investigate public records in this case as it does for other accounts. 

LexisNexis regularly retrieves information directly from public records to report to credit bureaus. Why has this process not been followed here? A search of the public records, such as those maintained by the XXXX of XXXX XXXX California, would reveal a publicly filed lien as well as documentation of its termination. The lien was terminated due to the complete satisfaction of all obligations, with every payment having been made to the secured party. 

It seems inconsistent that LexisNexis, which typically accesses public records to provide accurate information to credit bureaus, has failed to apply the same process in this instance. Instead, you are relying solely on the credit bureaus, even though public records clearly confirm the dispute 's resolution and the satisfaction of the lien.

I request that LexisNexis perform a thorough search of the public records related to this matter and report the findings accordingly. This approach aligns with the established practices LexisNexis uses for other tradelines and ensures the accuracy and completeness of the information shared with credit bureaus. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Again, my personal borrower 's information was shared without my authorization.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

The Dept of Education allowed external stakeholders of some sort, not certain who or what to call them, illegally accessed my student information. XXXX XXXX and his numerous associates or anyone else have rights to my personal information. I discovered this by reports via multiple news outlets, media and online. I never consented to any of that. 
I am writing to formally dispute responsibility for my student loan debt, as XXXX allowed my personal information to be accessed by unauthorized parties without my consent. This breach of privacy has compromised my ability to accurately manage and protect my account. I request that this matter be investigated promptly and that all associated debt be reconsidered under these circumstances. 

Thank you for your attention to this matter.
Product: Mortgage

Shellpoint has been servicing my mortgage for approximately the last two years. They have repeatedly made mistakes with the escrow payments. This is the most serious. 

1 ) They informed me that the earthquake insurance policy was paid in XXXX or XXXX. 
2 ) I found out it was not. They had never sent a check. 
3 ) XX/XX/XXXX : They sent a check to pay the insurance premium. To the wrong address. 
4 ) Week of XX/XX/XXXX : After being informed that my insurance company had not received any money, they claimed it was still in the mail and I should just wait. I told them that was not acceptable as the policy was going to be cancelled if payment was not received. At this point, I found out they had sent it to the wrong address. 
5 ) They promised me they would overnight a payment to the correct address on XX/XX/XXXX. The tracking number indicates that they provided indicates that they have not done so. Now they are saying they are still waiting for the check to be approved and the earliest it will go out will be XX/XX/XXXX. My insurance policy will be cancelled on XX/XX/XXXX. 

They have fraudulently collected money from me to pay for an insurance policy that they have not paid. 

The latest emails they sent me are attached.