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

This is my complaint about being a victim of identity theft. You must remove any items that are opened without my knowledge, consent, or authority. Based on FCRA Section 605b, it is the responsibility of the XXXX credit bureaus to remove the fraudulent items on my credit file but they were unable to do it. Kindly comply with a written removal of these fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I hope this letter finds you well. I am writing to express my deep disappointment and frustration regarding the ongoing issues with the late opening and removal of the late closed status on my account. 

Despite numerous attempts to address these concerns, it is disheartening to inform you that the problems persist, causing significant inconvenience and dissatisfaction. I initially brought the matter to your attention, and despite multiple efforts on my part, the resolution remains elusive. 

The delay in opening my account has created challenges that I had not anticipated, affecting my ability to utilize the services provided by your company as intended. Additionally, the persistence of the late closed status is a matter of grave concern, impacting my creditworthiness and causing undue stress. 

I have made repeated attempts to rectify these issues through your customer service channels, providing all necessary information and documentation. However, the lack of a comprehensive and effective resolution is both disappointing and unacceptable. 

I request that you urgently investigate the root causes of these persistent problems and take immediate corrective action. It is imperative that my account is opened without further delay, and the late closed status is promptly removed to restore my financial standing. 

I expect transparent communication regarding the steps being taken to resolve these matters and seek assurance that similar issues will not occur in the future. Timely and effective resolution is crucial to maintaining my trust in your company 's commitment to customer satisfaction. 
If these issues are not promptly addressed, I may have no choice but to escalate this matter through regulatory channels to seek a fair and just resolution. I am asking for your assistance to correct these late open accounts and remove the late closed accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$59.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX Balance Owed : {$0.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX XXXX & XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now.
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 an 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 bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date 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, CA XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Property at XXXX XXXX XXXX in XXXX RI was foreclosed in XX/XX/XXXX. From XX/XX/XXXX through XXXX, XXXX XXXX XXXX has report to the credit bureaus that I am making late payments when I no longer have a loan with them. I have been trying since XXXX to get them to report correctly. I have called countless times and spoken to supervisors, who never call back. The loan number XXXX shown on credit report as XXXX does not come up in their system when I call them. my social security number does not come up in their system. I am on hold or speaking to them for hours at a time while they try to figure it out but cant seem to fix it. I am told by supervisors that they will research and call me back. Most recently XXXX and then XXXX and then on XX/XX/XXXX XXXX XXXX from the XXXX Texas XXXX. All were suppose to be supervisors. 
Each were suppose to call me back within 3 days. None did. I called back today XX/XX/XXXX and asked for XXXX XXXX at XXXX am. I was told she was not in yet and they would have her call me. At XXXX I called again and got someone who tried to get her or another manager on the phone. He said not one supervisor or manager was available and that I should submit a dispute with the credit agency 's. I have done that many times, with no resolution. 
I have a copy of the deed being released to new people in XXXX of XXXX. I have a copy of the 1099 issued where I paid taxes on the amount the bank did not make back on the sale of the property at auction. I understand that the foreclosure will remain on my reports however, they should not continue to report my payments as late after the sale of the property. I was never given any information stating I owed them payments of any kind and no one I have spoken with indicates that I do owe anything. They all say the balance is zero. Some are nice but many are rude as though my hard times and a foreclosure makes this my fault and resolves them from the responsibility to correct this. I have spoken to countless people, hired two credit repair companies and still nothing has been corrected. This has been four years. It is reported incorrectly on my ex husbands reports as well. 

My name : XXXX XXXX My Ex Husbands name : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft dispute in regards to the information on my credit report. I requested the original application with my wet signature and all other information that proves that I am the owner of these accounts and have not been given any. It has been well over XXXX days to validate this debt and I have not been given anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

The [ cra ] is reporting my name incorrectly. The name the credit reporting agency is reporting is the XXXX XXXX XXXX name which is registered with the Commonwealth of Pennsylvania, However I XXXX, XXXX XXXX am the owner of that Trust account. 

Please correct your records to reflect my correct name I am a natural man [ XXXX, XXXX XXXX ] owner, and Interest holder. Attached i have provided document proof of my claim. 
I do not posess a " last name '' or " first name '' -- It is disrespectful to my ancestors to refer to them as as Last! 
Please do not ever disrespect my family, and update your records. 

15 U.S. Code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed accounts reported by credit bureaus under my Social Security number they were deleted however they have been reinserted on my report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), credit bureaus are required to notify me of the reinsertion in writing within 5 business days, ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have two negative credit items on my reports that is over 10 years old from the date that I opened them. By law after 7 years those accounts are supposed to be deleted. I disputed the accounts and it looks like they just updated dates and never removed them. 
The accounts are : XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX  XXXX date opened:XX/XX/XXXX
Product: Debt collection

I called the XXXX hospital several times over the last few weeks to give them the XXXX claim. They never answered my calls or called me back.
Product: Debt collection

The product they sent did not meet my expectations and the item was returned even though they never responded to my request on instructions on RMA ( Return Merchandise Authorization ). I have made several attempts to cancel and no one was able to respond to my inquires. ( Please see attached ). This needs to be deleted from my credit report immediately as it has affected my score and history.
Product: Student loan

I have had many issues over the years with Navient and my student loans. Back in 2013 I believe, they seemingly purposefully misallocated {$20.00} of my $ 100+ payment in order to charge me a late fee and call my co-signer to collect more money from them even though I had submitted the full payment amount. They also unrolled me multiple times from automatic payments without notification then contacted my co-signer for money before contacting me. Most recently AFTER they allowed me to use the max hardship deferral time, they then told me about a program to lower my interest and therefore drastically lower my payments. They allowed me to do this for about 2 years but now say I do not qualify even tho my income and expenses have hardly changed. Now since unrolling in the program, they have jacked my interest up to over 11 % and they give me no options to lower it. I am now re-enrolled in school and they are already showing signs of being difficult about adjusting my payment for in school deferment.
Product: Student loan

I applied for the XXXX plan in late XXXX of XXXX through a phone call with the Department of Education. I was told I qualified and I shouldn't expect to make payments until XXXX of XXXX due to court interference with the XXXX XXXX therefore nothing more was required from me at the time. Around XX/XX/XXXX, I received a bill from Advantage for a payment of {$460.00} due by XX/XX/XXXX. I contacted Aidvantage, who secured my address change from the Department of Education but not the update of my name change or my enrollment in the XXXX plan. They sent me an email with instructions for repayment options. On XX/XX/XXXX. XXXX I applied for their XXXX plan, in which they would choose the most affordable option available to me. The next day I received an email that my IDR enrollment was received and a second email stating my payment of {$460.00} was due XXXX/XXXX/XXXX. After submitting multiple documents to prove my income, I have not received any follow-up information regarding an IDR plan. The servicer 's practices and plans are not transparent and there's been a consistent issue in trying to apply for an IDR plan as they haven't been communicative except in extending the bill 's due date. My student loan is under the degree of XXXX XXXX, a program that no longer exists at XXXX University as it's not transferable to a career. I've been trying to pay my loan but can't due to the constant closing and mismanagement of an applied XXXX plan through servicers.
Product: Mortgage

I have reached out to the company using various means. I have a XXXX XXXX and XXXX issues which directly relate to using the phone. I have stated multiple times that I prefer to use email. Mr. Cooper refuses to use email. Their Assigned Agents are Not Allowed to use email for Privacy Reasons. Yet their Refinance Agents are allowed. They have a SecureMail Server, yet they refuse to use it. I sent email to the Accesabilty and ResearchIncoming emails in an attempt to address these issues, but there was no response. All responses to any complaint have stated that " No error has occurred ''. I have a response for Hearing and Visually Impaired. Not for Speech Impaired. Which have stated that I should CALL them.
Product: Vehicle loan or lease

The late history should not be showing late because I think I paid on time. Please take your time to review this charge off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are trying to get a home loan, and the lender is not able to pull my Equifax credit report. I have spoken to two different Equifax representatives, and they are telling me that they can't find me in their system ( don't know how that is possible ). To my knowledge, I do not have a credit lock or freeze on my account, but if I did, I would think that Equifax would be able to tell me that. However, they have not given me any such information, and I do not know how else to get the problem resolved so that my lender can pull my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that the credit scores and balances were not correct and notified the companies of this. That the scores the were posting was about 100 points below my true credit scores. I have asked for these companies to correct this several times and they have not. Credit Karma and Lending tree wants the consumer to believe that their credit score is very low so they can trick them into using their vendors services and in doing having your credit ran at a cost of several inquiries on your report losing your credit score. They also report high balances that you have paid off, information on old closed accounts that shouldn't be reported.
Product: Debt collection

In 2018 i was a victom of identity theft and charges were made to a credit card that i did not approve. A report was made to XXXXXXXX XXXX. An invistagation was suppose to be made but was not and they sold the debt to portfolio recovery. When i was contacted by portfolio recovery debt collector i told them the debt did not belong to me, they have denied the settlement i offered and are currently being suing by their attorneys at XXXX XXXX XXXX XXXX
Product: Student loan

I didn't give permission for Mohela to have my private info. 
I have received insane amounts robo calls since I received mail of debt. 
Debt is over XXXX years old. 
Debt has many errors. 
The amount on debt breakdown is XXXX is not correct, university not correct. Amounts not correct. 
Affect credit causing inability rent, or buy anything. 
Caused undue damage, XXXX XXXX XXXX 
Directly affected my entire life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a certified letter to all three credit bureaus requesting how they verified a public record. There response was this section includes a public record items obtained from local, state and federal courts through a third party vender, XXXX. 

I contact XXXX XXXX and they could not verify and removed the public record. 

XXXX XXXX submitted 3 disputes 3 times to the credit bureaus they never responded. 

I also contact the Western Tennessee Bankruptcy Court and received a letter from them that they also do not verify. 

so, how can the bureaus verify this information.
Product: Credit reporting

My concern is regarding the continous charge off accounts that continually show up on my consumer report with Chex Systems. I have forwarded a FTC Affidavit to them regarding removing the reported items. An item from XXXX XXXX XXXX XXXX and an item from XXXX XXXX XXXX XXXX. I called and spoke to a representative yesterday and they told me that they are n't going to remove the disputed ID fraud items at all. And stated that he can send me an updated report. I have furnished Chexsystems with an FTC Affidavit and the XXXX entries need to be removed within 4 business days
Product: Credit reporting, credit repair services, or other personal consumer reports

This Bill doesnt belongs to me of {$200.00} from XXXX XXXX XXXX and should be removed from my credit report Immediately.
Product: Student loan

I currently submitted a complaint through the CFPB regarding  Navient  and how they are not willing to lower my monthly student loan payments. I was paying about $  XXXX  month and I only make $  XXXX . A couple of weeks ago, I was able to get them to drop {$90.00} off my monthly payment, but that was all they were willing to do. I submitted a complaint and their response was " you  may be eli gible for lower monthly payments ''. I spoke to them today and they told me I was not eligible for lower payments, but would transfer me to their collections department to figure something out. I was transferred, gave my social security #, and the lady transferred me back to another representative. Again, I was told that I am not eligible for lower payments. I explained that I am going through some financial hardship because I do not make enough money annually. I also explained that I had to purchase another vehicle, which I now have monthly payments ( the vehicle turned out to be  a Lemon and ne eds work done to it ). The representative told me she would transfer me back to the collections department to see if we can work something out. However, she asked me if my co-signer would make the payments. I told her that he was unable and I want to pay off the student loan debt. She then mentioned that I co uld apply for a forbearance for three of  my loans, which will drop the payments. Since my back is against the wall and they have not been willing to work with me about lowering my monthly payments, I agreed to the forbe arance and paid {$150.00}. The issue with this is now I will have more interest built up ( paid about {$6000.00} in interest last year even after making full payments every month ) just to be able to make ends meet for three months. I am not happy with this outcome because I would rather make lower payments opposed to having more interest built on. I am also not happy that I was transferred to three different people once I mentioned anything about lower payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've pulled my credit reports and have noticed inquiries on my report that I did not authorize I 've contacted Equifax. About this matter and. And have not gotten any help with this matter. They have had many credit security breeches. And the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed
Product: Debt collection

I need to report violations of the FDCPA by XXXX and Cavalry Portfolio Services in regards to an alleged debt in my name. Cavalry is attempting to collect a debt that doesn't exist. They claim it is a XXXX credit card debt I had from XX/XX/XXXX-XX/XX/XXXX and even filed a lawsuit in the XXXX XXXX courts which honestly prompted me to make a few payments to avoid the lawsuit. I finally looked into the debt because I didn't remember ever having a credit card that long and I noticed the paperwork Cavalry sent me was stating an APR of 29.99 % which immediately told me something was wrong. I was in the XXXX XXXX on XXXX XXXX during that entire time period and never had anything with an APR that high because thanks to the Servicemembers Civil Relief Act I was entitled to a 6 % APR on all my credit lines. I must assume this paperwork is modified or not real at all so I begin to do some research and I don't find anything anywhere showing I had a XXXX credit card during those times. I did however find a XXXX credit card debt that was closed satisfactorily in XX/XX/2007. The chances of me closing a credit card and then opening the same exact card again 27 days later is very, very unlikely. This is clearly a fabricated debt with an unlawful APR, fabricated documents and a lawsuit that I just lost {$320.00} on trying to do the right thing. Although the debt doesn't exist Cavalry filed suit anyway and collected 3 payments from me without ever attempting to mention anything. Even the document showing alleged account information shows the open and close date with an address I didn't live at during either of those times. All the information is wrong and yet they are reporting this account to the credit bureau 's and since I made those payments Cavalry has re-aged the debt thus performing yet another illegal credit act. I have informed Cavalry about this, I have called XXXX and I have sent disputes through the credit agencies but they refuse to leave me alone. Please help me get this taken care and ensure all companies involved are punished accordingly. Thank you for your time.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I used Chase Bank XXXX to send {$300.00} to another XXXX account to pay XXXX " XXXX '' XXXX for a service. Today is XX/XX/2019 and I have not received the service. I can no longer get in touch with this individual and was defrauded into sending the money. Chase Bank has been unwilling to help with a refund or any support with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ 15 U.S.C. 1681 ] ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system on these days my credit was fraudulently used. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX