23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Navy Federal Credit Union is reporting a line of credit/installment loan to XXXX and XXXX credit bureaus that I NEVER opened. They are reporting that I opened the account XX/XX/XXXX to XXXX and reporting to XXXX that I opened it XX/XX/XXXX. THEN they are reporting that the 1st delinquency as XX/XX/XXXX, AND that it was charged off in XX/XX/XXXX. AND they are reporting it was reviewed for 20 months on XXXX -- HOW could it have been reviewed for 20 months when they are trying to say I opened it XX/XX/XXXX yet it was charged off XX/XX/XXXX? I did NOT open this account in XXXX period. I have disputed it with the credit bureaus and I sent a certified letter to Navy Federal Credit Union which they rec 'd on XX/XX/XXXX. ( See attached ) They have since verified the account with the credit bureaus and they have not responded to my letter.
Product: Checking or savings account

I am trying to cooperate and solve this issue with my account being on hold I have attached a copy of a notarize affidavit of truth I've mailed off certified to PNC XXXX  investigator XXXX XXXX showing proof of my identity and clarifying and clearing up what happened to lift the hold on my account and will like to continue communication in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not late on my accounts, I wonder why Experian report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX   XXXX, ..I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the inaccuracy from my report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall 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 of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic, in XXXX, I was in need of deferment. I had held my mortgage with XXXX XXXX XXXXXXXX since XXXX and had never had any missed or late payments. Upon request, they did offer deferment on my mortgage for six months. In XXXX, XXXX, I attempted to pay the deferred amount and brought my mortgage current with a payment of more than nine thousand dollars. 

At this time, since I made the payment, I believed the deferment was paid in full. Recently, I noticed an amount of XXXX on my statement noted as a " deferred '' balance. Several weeks ago, I contacted XXXX XXXX XXXXXXXX XXXX  XXXX, explained my concerns. I was told the deferred amount was not paid in full as they applied the payment to principle, deferments can't be paid until the loan is paid in full, it's placed on the back end, not earning interest and not including in my balance. 

I also inquired as to why they are reporting XXXX as included in balance to the credit bureau as my balance is XXXX per XXXX XXXX XXXXXXXX, but they are reporting a balance of XXXX to the credit bureau 's. XXXX XXXXXXXX XXXX game me a case number # XXXX and stated the issue will be corrected within ten days, but it has not been corrected. 

I have filed disputes with both XXXX XXXX and Experian regarding my balance. They both conducted investigations. The results are per XXXX XXXX XXXX the balance is reported accurately. 

XXXX XXXX  XXXX is in violation of the Fair Credit Reporting Act. This issue is reducing my credit score and needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 a account without my written instructions.

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX # XXXX is violated my rights XXXX  XXXX  XXXX  # XXXX is violated my rights XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

last year I applied I went to different dealers in order to buy my first car, but I didnt purchase the car from any of them, before I applied i asked if they were running my credit report for all of the banks or just one time, and they told me they were soft inquiries, as of right now, i still have all the inquiries in my report and they are preventing me from purchase a house, after I have sent creditor letter of removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked to get deletions of these accounts off my credit report but they refuse to do so. The Debt is not valid at all. No documents show proof of these were authorized by me. I need proof showing these belong to me.

15 U.S. Code 1692g - Validation of debts Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX  XXXX XXXX XXXX : {$360.00} XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00} XXXX  XXXX XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX XXXX XXXX, XXXX Balance {$120.00} XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It Applies : I saw that two companies have made hard inquiries on my credit report from XXXX and XXXX that I did not authorize, have knowledge of, or consent to : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX -- the phone number is disconnected to call and I see on line that I am not the first person they done this to ; XACTUS LLC XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CT, XXXX -- I spoke to a company rep and they said they find no record of such activity, and that they are a third party for companies who have clients seeking a home loan. 

I am on hold for XACTUS and the rep said they will be right back. That was about five minutes ago. 

These are scam companies in my opinion in light of that stated above.
Product: Debt collection

This complaint involves the amount of {$44000.00} which was for a subordinate/second mortgage on my home. This mortgage was taken out 15 years ago ( XX/XX/XXXX ) at which time the original amount was {$52000.00}. The above mentioned ( {$44000.00} ) balloon payment matured on XX/XX/XXXX. Back in XXXX of XXXX we started negotiating with SPS ( Select Portfolio Servicing ) XXXX XXXX  XXXX XXXX XXXX XXXX, Utah, XXXX to have this loan refinanced due to COVID and other situations we could not afford the balloon payment. Our goal was to renegotiate with the lender for an extension on this loan so we would be able to stay in our home. After several interactions and production of documents requested such as, tax returns and proof of income we were under the impression that we would be getting a modification. We were also told to withhold our XX/XX/XXXX payment until we receive the new mortgage. But to our amazement on XX/XX/XXXX we received a disturbing letter suggesting that we should sell our home in order to satisfy this debt and we were given a short sale deadline of XX/XX/XXXX which was even more shocking since it only allows us 11 days to make a lifetime decision. 

I am the major breadwinner in my home and I sent proof that our total family income is approximately {$12000.00} per month. I work as a XXXX XXXX and have a young son in college whom Im supporting. I would think that due to the hardship that we are all under due to COVID-19 that this lender would understand my situation and would work with me to resolve this issue instead of trying to push me into selling my home which is the most harsh situation Ive ever expected. Please note that over the last 15 years Ive paid this mortgage twice over which I understand is business but now a new person has bought the mortgage and it seems they are just trying to make money. As of now, the servicer would not tell us who the lender is and I was never given an explanation as to why we were denied a modification. Please look into this situation and let us know what the end result is.
Product: Credit card

My trip back from XXXX ( XXXX ) to XXXX XXXX XXXX XXXX ) was delayed because my daughter got into an accident and hurt her leg badly. We had to delay the trip and hence had to pay the difference in price for the travel back. 

I used Chase Sapphire card for the trip which claim that they have trip delay insurance. In this case, inspite of filing the claim and going back and forth several times with the claims department, my claim was rejected saying it is not a covered benefit.
Product: Checking or savings account

I was being charged per day for late fees. With Bank of America
Product: Debt collection

I have  four  hits on my credit report from AR Resources. I have a Payment plan. I have paid them over {$340.00} since last  XXXX . I do n't understand why they put it on my credit report. That sucks. It 's the only thing on my credit report as of now. I do n't believe this should be on my credit report. it 's a total of about {$200.00}. I have kept my end of the agreement. Please remove from the credit report. If I actually do owe you money, please call me and I will take care of the " so called '' money owed. Seriously, AR Resources. My credit would be excellent if it was n't for AR not taking the hits off my credit report.
Product: Debt collection

The collection agency refuses to provide me with my handwritten signature that this is my debt.According to the FCRA this unauthorized unverified account must be removed from my credit report immediately.
Product: Debt collection

XXXX XXXX  was voluntarily XXXX in XXXX. BOfA said we owed {$30000.00}. They agreed to monthly payments of {$350.00} to be paid by direct deposit until the debt was paid off. They stated that we would have to call a number every three months and set up payments for the following three months. This debt was written as a charge off and comes out of our bank account as a mortgage. In XX/XX/XXXX, we made our payment like normal, but the customer service rep saw a glitch in the system. We confirmed with our bank the payment went through and BofA confirmed it on their end. In XXXX, we get charged twice. Once for an amount of {$350.00} like normal, but then there was a payment of {$300.00}. We called them immediately and the customer service representative stated we broke our agreement and did not pay in XXXX, therefore the Bank can take what they want out of the account. After reaching out to a supervisor, we get a response that it was a glitch in the system and that they would process a refund check for the {$350.00}. After waiting weeks for the check to come back in the mail, we called again and got the run around with the " manager '' XXXX, that said we needed to now show him proof with a bank statement that they took two payments out. We are getting ready to show him that now. However, now our XXXX payment has come out and it is once again a double payment. The bank refuses to own their system mistake and we are paying for it.
Product: Mortgage

In XX/XX/XXXX My husband had emailed to MLD Mortgage Inc. that I had prepaid XX/XX/XXXX 1st & 2nd quarter real estate tax totaling {$11000.00} on XX/XX/XXXX. He had attached proof of payment in the email. He requested MLD Mortgage Inc. to refund the real estate tax that I had paid. He had never receive any response from tax department of MLD Mortgage Inc. He had also repeatedly made numerous phone calls to request for the refund, but nothing has been done. As of today, XX/XX/XXXX my escrow balance is over {$21000.00} ( it has been over {$11000.00} since XX/XX/XXXX ), and I still didn't receive the minimum {$11000.00} refund.
Product: Payday loan, title loan, or personal loan

Tower loan of XXXX Alabama has made 6 hard pulls to my credit report without my consent. It is continually knocking my credit score down and will take me years to billed it up. To me that is a form of identity theft, and something should be done to the company for falsifying documents. Please help me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, the reason of my complaint is because i have submitted multiple letters to the 3 credit bureaus regarding the inaccurate and incomplete of the accounts. i have sent proof as well but i have not received not even onces a responds from them and this is the reason why i am submitted this complaint. i fee that they have ignore and i now i been sending the right information, right address, everything but no responses.
Product: Student loan

There was a Navient AG Multi-State Settlement, where there was private loan debt cancellation given to individuals who had student loans with Navient. There were specific things that made borrowers eligible. According to XXXX, " The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through Navients predecessor, Sallie Mae, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XX/XX/XXXX. '' Some requirements listed were : -Generally, to be eligible for private loan debt relief, the borrower must have fallen behind on payments by more than seven months at some point before XX/XX/XXXX. 
-Generally, only loans that were within a statute of limitations period or still credit-reporting as of XX/XX/XXXX are within the scope of the debt relief. 
-Generally, to qualify, the borrowers mailing address on file with Navient as of XX/XX/XXXX, must be within one of the restitution-participating states listed above, Arkansas, Kansas XXXX Michigan XXXX Rhode Island, South Carolina, Vermont XXXX West Virginia, or associated with a military address postal code.

I never received a notice from navient, even though I believe based on the requirements I qualify for the debt cancellation. I was deliquent on my loan payments majority of XXXX, because I had a hardship in XX/XX/XXXX and couldnt make payments for XXXX and several months following this. I had six loan accounts with Navient, and by XX/XX/XXXX XXXX of those loans defaulted, XX/XX/XXXX XXXX more defaulted and XX/XX/XXXX the last loan defaulted. That would mean by XX/XX/XXXX, I would have fell within the requirements of being more that 7 months delinquent. I was not aware of the of the pending lawsuit, but in XX/XX/XXXX I went into a settlement agreement for the first loan that went default, in XXXX I went into another settlement for the next four loans, and in XXXX in XXXX I went into a settlement for the last loan. I believe if that if I was eligible, I should be reimbursed for the money paid out during the settlement agreements, and my remaining balance should be cancelled. 

If any account details are needed, my account number with Navient is XXXX. If further information is needed, I can provide whatever it is. I have the loan numbers, the amounts paid in my settlements, and also the remaining balances.
Product: Credit card

For about 4 years we both have been receiving multiple mailings per month from Capital One to open a credit card. We have been discarding this mail. This past week we noticed that the offer contained a note at the bottom : " to stop receiving " prescreened '' offers of credit from this and other companies call toll free XXXX '' We called this number and we were offered a {$100.00} gift certificate to Walmart . We told the agent that we wanted to opt out of mail from Capital One and we were disconnected. We called back and again were offered the {$100.00} gift certificate and disconnected after asking to opt out. 

We searched the internet for a number to opt out with Capital One and XXXX was suggested but didn't work. 

A second search led us to XXXX and after a long hold time we were told they would remove our names from mailings within XXXX  days. 

This complaint is that the number stated on their letter ( XXXX ) is false and is actually a way to get you to sign up for a {$100.00} gift certificate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a vehicle through GM Financial Leasing. I returned my vehicle in XX/XX/2020. My final billing was sent for {$880.00} which includes the {$490.00} Disposition Fee and {$390.00} for Excess Wear and Tear. When I leased the vehicle through GM Financial, I purchased Excess Wear and Tear coverage to cover any extra fees at turn in such as the {$390.00}. I was not aware of having to file an insurance claim which I did. As a result, GMC received two checks. One personal check for {$490.00} and another check for {$390.00} from the insurance company. Both checks were received in XXXX by GM Financial, GM confirmed they received both checks, but one has yet to be applied to my account. It came to my attention at the beginning of XXXX that GM Financial reported my outstanding balance to the credit agencies dropping my credit by almost XXXX points. GM Financial wrongly reported me. I have talked with them multiple times weekly, with also asking to speak to a manager/supervisor, always with a response that one will have to call me back. I finally received a follow up call today but with the same response that they will research my account. This is having an impact on my personal life as I am trying to get a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

90 days have passed since i sent in the information asked of me to to fix my credit standing with and old mortgage from chase. I am on the phone for hours everyday speaking with hundreds of customer service reps that are either combative or not knowledgeable enough to understand this simple request on a mistake made on their end.