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

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have a XXXX XXXX loan my servicer is Suntrust Bank. I applied for a loan modification because I was experiencing a hardship and I was 30 days late in my payments. I submitted a letter and all the relevant documents. I was denied because the home was not my primary residence. I appealed and received a letter stating that the deadline was XX/XX/2019 to provide Suntrust any documents for my appeal. On XX/XX/19 I sent a letter to Suntrust with a copy of a document addressed to me at the property. I called to verify receipt and was told that the underwriter wanted a copy of my license. On XX/XX/19, I called and the XXXX XXXX told me that the license was not readable, and so I sent another copy. On XX/XX/19 I received a call from my loan representative XXXX XXXX who stated that I was denied because the time had expired and I did not provide the paperwork to her in a timely manner. On XX/XX/19 I spoke with a supervisor Ms. XXXX who said that I was sent a letter on XX/XX/19 stating that the reason my appeal was denied was because I was employed. Further, I was not offered any further assistance. During the phone call, Ms. XXXX stated that she could " see the chain of events and that it would be dealt with ''. She asked me to take a picture of my license and send it again. After I did so, I contacted Ms. XXXX to verify receipt. Today at XXXX XXXX., Ms. XXXX called me and left a voicemail stating that she had an answer. I have tried to call Ms. XXXX several times and she has not returned my call. I have contacted XXXX XXXX about the lack of customer service I have received and the fact that I am getting the run a around with Suntrust. I have provided all of the documentation that they asked for, and they have not addressed why they have denied my loan modification. I am asking for your assistance to resolve this matter with Suntrust in a timely manner. I will attach documents as needed.
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed name and inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.
Product: Money transfer, virtual currency, or money service

I tried to using official website of XXXX and chat with live agent about expediting my case using this website XXXX XXXX XXXX  The live agent name is XXXX XXXX XXXX, it was directly connected to XXXX XXXX, once clicked the agent name from this website. She asked me payment {$250.00} for expedite the case to branch administrator whose account name is XXXX XXXX XXXX and account number on zelle is XXXX. I sent money {$250.00} by zelle to this account on XXXX using my XXXX account. Today. I know that i have scammed from this process.
Product: Bank account or service

It recently came to my attention that last year I was placed XXXX by Bank of America. At the time last year there was a check deposited into my account by XXXX XXXX XXXX. I do not know these people and have never had any contact with them. I have never received any checks or any other form of currency from them. They committed fraud at my expense. Bank of America told me at the time of the deposit that they were force closing my account and I would be banned from ever doing business with Bank of America again. They did not tell me I was being sent XXXX. I was in shock having been a valued customer with no problems since the 1980 's, Having just lost my husband and being under a Dr 's care XXXX it did not occur to me to go to the police nor was it suggested by the bank personell. Last month when I went to try to open an account to start a business is when I was informed XXXX and told I will remain there for 7 years. I in the meantime already had an existing account at another bank is another reason I did n't know about XXXX. I have contacted Bank of America asking them to remove my name XXXX and am still waiting a response from the bank. The only thing they have told me so far is that I waited too long to dispute it, but had I known the full extent of being sent XXXX I would have done it immediately. I would appreciate any help you can give me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the date last active is inaccurate, date last reported is inaccurate, and also the payment status are as well. This grounds for removal, they also violated my rights under 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 shalli ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # : XXXX Account Name : XXXX XXXX, XXXX No. XXXX 15 U.S.C 1681 Section 602. 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 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item 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 a person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since I had an email disagreement with Experian CEOs XXXX XXXX and XXXX XXXX, My Experian Credit report has been manipulated in a negative way and inconsistent with my XXXX and XXXX reports. I have been keeping meticulous records and there's no doubt my report has NOT been reporting properly. A few of the tactics used : Positive information would be delayed for a week or longer and sometimes never updated. Inconsistent with XXXX and XXXX. Today my score dropped XXXX pts, yet the only changes to occur were POSITIVE. 
1. Balances decreased by a large amount I would like Experian to attempt to explain how my balances could drop from XXXX  % to XXXX % which is a huge drop considering credit available compared to credit used is XXXX % of an individual 's score. No other changes took place in the 24 hours between XX/XX/2022 my score was XXXX to XX/XX/2022 my score drops to XXXX : my scores with XXXX and XXXX increased during that time with the identical information. 
Now Experian will likely provide their typical XXXX response by claiming the scoring process is determined by a number of factors etc... However, there is no logical or plausible reason for a persons debt to ratio to drop from XXXX XXXX to XXXX XXXX and with no other negative information added that their credit score drop.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered multiple billing discrepancies. The late payments reflected do not align with my typical payment record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with 01 CITIBANK N A. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and 01 CITIBANK N A with no successful resolution. There was definitely an error on their part.
Product: Student loan

After graduating from XXXX XXXX in XX/XX/XXXX with an XXXX XXXX XXXX & XXXX XXXX XXXX, my Student Loan Service Provider immediately began deceiving me into believing that Deferment & Forbearance were the only repayment options for my {$30000.00} in Federal Student Loans. I asked multiple times about different payment options and each time, the providers put me into a program that increased my balance without ever telling me that I could make a smaller monthly payment ( my payment was always just out of reach ).

After my service loan provider switched from XX/XX/XXXX to Navient ( without my full understanding and not at my request ), I found myself 2 months behind on payments. One payment went to the wrong provider and another payment simply didn't process when Navient began processing payments. During this time, I was given conflicting information about when my payment would actually become due. Before I was able to correct the problem with Navient, they began automatically forwarding phone calls from my number to their overseas debt collectors. The people who were answering the phone told me they did not work for Navient and told me that " you are not able to speak with a Navient employee until your account is current ''.

THIS PROCESS OF NOT ALLOWING ME TO SPEAK WITH AN EMPLOYEE OF MY STUDENT LOAN PROVIDER WAS USED AS A WEAPON AGAINST ME!! After several weeks and multiple calls ( ALL OF WHICH AUTOMATICALLY FORWARDED TO XXXX  ), I agreed with the Off-shore debt collectors to go into forbearance so that I could again talk to Navient employees rather than outside debt collectors whom at the time, SEEMED to barely understand English.

These Off-shore debt collectors were USED BY NAVIENT to convince me that Forbearance was my only option. They told me that I would have to deal with the debt collectors until my account was current, they threatened to garnish my wages, get a judgement against me and take my tax refund check. Looking back now, I realize that Navient forwarded my calls to an outside debt collector for no reason except to FORCE ME INTO A 10+ YEAR LONG PROCESS OF Forbearance that has increased my total Student Loan Debt!

When I first went on forbearance, I felt powerless and frustrated! Now looking back at the timing of these issues, which coincided with BOTH my Chapter XXXX Bankruptcy in XX/XX/XXXX and also Navient 's email motto of " Forbeare them '', I am MAD! 

I FEEL CHEATED! 

If these folks would have worked with me in XX/XX/XXXX, I would have been able to come out of Bankruptcy and been able to pay them $ XXXX $ 150 monthly on an Income Based Repayment Program. Had they explained that this option existed INSTEAD OF SENDING MY CALLS TO XXXX, my Student Loan Balance today would be PAID IN FULL!
Product: Debt collection

Pursuant to the FTC USC CODE 1681 605 ( f ) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. 

The agency XXXX XXXX has refuted the contrary of the above fair credit reporting act code by publishing inaccurate information on a consumer report. Upon their refusal of updating the consumer report to reflect accurate information and not hearsay. A credit/consumer report is only allowed to reflect information that is considered true beyond a reasonable doubt and for this agency to maintain a balance on a debt that is not owed is their first mistake, secondly to provide inaccurate information on the report itself is in direct violation of the information regarding the rules and bylaws of consumer reports.
Product: Debt collection

I had been trying to contact the company about the debt when i lost work due to COVID-19. They said they would call me back. I called several times but no response. By the time someone did contact me they had put 60 days late on my credit. I spoke with XXXX XXXX and he said he was trying to help me and that I could make a payment arrangement. I made the arrangement for {$100.00} per month on XX/XX/2020. As soon as I made the arrangement, they put it as a charge-off on my credit. That was very deceitful and unethical. This is very bad on the company especially during a time like this. I had never been late until this disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016, I negotiated a deal with Sallie Mae ( now Navient ) to reduce my student loan payments. I negotiated a deal that combined all three of my accounts into one payment of {$250.00} per month and an interest rate of 0.01 %. Since then, I have made this agreed payment monthly, on time, by direct debit. Unfortunately, they report this as a late payment every month and the accounts show as charged-off on my credit report even though I continue to make the agreed payments on time. They also do not list any due date for the payment online in my account. I have been told by them that they are allowed to do this, but it is false information that is ruining my credit.
Product: Prepaid card

Hello I 'm a current card holder of a rush card, as I 'm sure you know they have been having issues. I have money missing in the amount of {$480.00}. I tried to contact them but am now being told my account does not exist even though I can access it online? I 'm not sure what the next step is to resolve this & get my money back. I do have documents to prove this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 Account name : 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 XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. State 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of the following items of information any other adverse item 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 reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate.
Product: Credit reporting or other personal consumer reports

Company misused PII to report innacurate informaion knowingly
Product: Debt collection

Chase bank has been repeatedly calling every day at different hours throughout the day to collect a debt
Product: Mortgage

My father had a reverse mortgage with Wells Fargo Bank N.A . My attempts to call went a specialist assigned to my account usually went unreturned. I managed to get a payoff quote by faxing a request along with the required documentation. I received a payoff quote directly from Wells Fargo with specific instructions and a deadline. I followed those instructions and wired the funds on the payoff quote to the account given. I filled out the transmittal form and faxed it immediately after the funds were wired. I had received a similar payoff quote from a law firm stating that it represented Wells Fargo. It had the same amount but added an attorney fee. When I called Wells Fargo customer service to inquire why I got the attorney letter since I still had almost 3 weeks until the deadline, the service representative told me to disregard it and that call was recorded as every conversation is. She told me to follow the instructions on the quote from Wells Fargo. Wells Fargo had the funds two days prior to the deadline but returned them to my account on the afternoon of the deadline. When I called, I was told that they could not help me since it had been turned over to the attorney. I told them I was following instructions their instructions but they were not willing to help. In other words, they had the money per their own instructions by the deadline. I had even called both customer service and the specialist assigned to me to let them know I was wiring funds the next day. I called both and let them know after the funds were wired. Customer service told me notes would be made in the account, my specialist did not return either call. Now, it is after the deadline, they will not accept the payoff. I was informed that I must go through the attorneys and now on top of the extra {$400.00} added to the payoff, I 'm sure there will be even more late fees even though Wells Fargo had the money before the deadline in the amount on their payoff quote.
Product: Mortgage

I Had a home equity loan with a bank that something happened to 2008 call XXXX XXXX I stopped getting payment notices, for a couple years then I received mailings from entity call XXXX XXXX and I talk to a male from this entity asking that he show ownership of the said loan and I never received any documentation, then I got a notice from XXXX XXXX saying that rights where transferred to " West Coast servicing inc. " they are saying I owe late charges totaling {$3100.00} I never had any loan information or numbers etc I have only been threatened by this entity. this has never been on the up and up they never gave me payment slips or nothing. now they have found away to get a trustee to file a notice of default. I never had any information on this loan. I do n't even know if they have a legal right or chain of custody or ownership of this loan. I filed a complaint against them 4 years ago and was told they were n't in your network and you where turning it over to the federal trade commission for prosecution. how is it fair to turn up after so many years and tell me I owe late fees? I always intended to pay my debts if owed but this is not right how they have dealt with this problem. I have only wanted to be treated fairly but this has been a night mare!
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022, I discovered that I have been a victim of identity theft. I've been able to verify fraudulent charges from my credit union account, lines of credit opened in my name, and additional activity with my identity. I have reached out to the original creditors and provided copies of my Identity Theft report from the Federal Trade Commission and Incident report from local law enforcement to each creditor/company to clear me of any debt due to fraud/identity theft. I also sent those same copies to XXXX, Equifax, and XXXX in order to have the fraudulent accounts and debt to be removed from my file. After relentless calls to each of the three Credit Bureaus it has been verified that the supporting documents have been received, but each bureau still reports that the accounts have been verified as accurate after investigating my disputes. I placed a security freeze/fraud alert with all three bureaus, yet I still have an outstanding number of inquiries on my file, along with inaccurate personal information. I also understand that my rights have been violated under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Consumer Credit Protection Act. Especially under Title 15 U.S.C. and plan to take legal action.
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 Experian and XXXX 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 corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I frequented XXXX XXXX College in XXXX for just one semester and took some credits for XXXX  XXXX. I paid for all classes I took of course for that semester. 

On or around XX/XX/XXXX, 5 years later, My XXXX and XXXX shows a derogatory remark from Eastern Revenue Inc for a collection of {$820.00}. 

Eastern Revenue , Inc : XXXX XXXX XXXX # XXXX, XXXX, PA XXXX, ( XXXX ) XXXX I had never received mail or call from Eastern Revenue Inc before about the debt. I disputed the debt with the bureaus, called and asked Eastern Revenue Inc to provide proof of the debt. They sent a screenshot of a screen with my name and some itemized item, looking like a quote. But no receipt, no statement of debt, no college course I took and I did not pay for ... They have not validated the debt with a proof. But they refused, after almost 3 months, to remove the derogatory remarks. Eastern Revenue Inc told me they have asked XXXX for proof, but they can not get it yet, and that I should probably try with the College.