23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been making monthly payments on my ten student loans serviced by Navient. My payment is {$370.00} a month dispersed to all ten loans. I specifically send an extra payment of {$300.00} to loan number ten which has the highest interest but lowest balance. I'm doing the " snowball '' debt pay off. 
In XX/XX/XXXX I decided to take a course toward my XXXX  's through XXXX XXXX   XXXX  University. I did not take a loan for this course or request any change in my current loan agreement with Navient. My employer offers tuition assistance. 
In XX/XX/XXXX I noticed that I did not receive a monthly statement from Navient for my monthly payment. I went online to check my account. I noticed all my loans were put into forbearance without my permission. They also put my parent 's Plus Loans into forbearance. 
I called Navient to reverse their action all while continuing to pay my monthly payment and extra payment to loan ten. 
Navient 's explanation was a bogus excuse. In my opinon, Navient should not have the ability to change the status of my loan payment without my permission or request. I never requested that my loans be put into forbearance. 
My recent statement dated for XX/XX/XXXX has me confused and angry. Not only did I never stop making payment to Navient at any time over the past three years, but they somehow charged me compounded interest for the time that they placed my loans into forbearance. I have called them to have the interest removed. I asked for an explanation. They blamed XXXX XXXX XXXX   University for placing my loans into forbearance. I was also told that the {$61.00} OF CAPITALIZED interest will not be removed. Navient is corrupt. I am also writing to the New Hampshire Attorney General. I have done my research. Navient is being sued for unlawful practice in many states. If Navient is allowed to do this type of bait and switch practice to someone like myself who has always paid my loans on time and has even paid extra every month, I can only imagine what they are doing to others. This needs to stop! Please do something about Navient.
Product: Mortgage

In XX/XX/2021, i submitted a request to be evaluated for loss mitigation with my lender. On XX/XX/2021 my lender provided a correspondence stating that i was eligible to participate in the lender 's " Short Sale Program '' ( attached ). This program would provide me until XX/XX/2021 to sell the property and receive a full deficiency waiver. The correspondence gave me until XX/XX/2021 to accept the Short Sale Program. 

On XX/XX/2021 my Attorney 's office contacted the lender to accept the short sale program and began to market my property for sale ( email attached ). I complied with every request from the lender for documentation and access to the property to complete their appraisal/XXXX 's. 

My agent was able to find a buyer that was very interested in the property. We got a $ XXXX contract executed and submitted it to the lender. The lender stated that they needed an offer of {$110000.00} as the interior XXXX came back at this price ( attached ). The buyer accepted the lender 's increased offer and we submitted an updated contract addendum with an offer price of {$110000.00}. {$100.00} above the lender 's requested value. 

However, instead of the lender approving the short sale. The lender denied the $ XXXX offer, and refused to cancel the foreclosure sale date scheduled for XX/XX/2021. Even thought the lender stated that I had until XX/XX/2021 to sell the property and that they would delay the foreclosure until that date. 

The lender breached the agreement we had by arguing against the stoppage of the XX/XX/2021 foreclosure sale date instead of providing me with the agreed upon timeframe to sale the property. It also adds insult to injury when the buyer accepted the lender 's price to sell the property. It seems the lender was just trying to find a way to get me out of the property by duping me into believing their offer letter. This is straight up fraud by this lender. I should have until XX/XX/2021 to sell the property even if the lender denies a offer prior to that date.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of a charge-off entry from my credit report within 4 businesses days which appears to have been reported inaccurately and in violation of several provisions of the Fair Credit Reporting Act ( FCRA ), along with other applicable laws. Specifically, I am referencing violations of 15 USC 1601, 15 USC 6801, and 15 USC 6802, which govern the privacy and accuracy of credit reporting and information management. Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As stated in 15 USC 1601, the purpose of the Truth in Lending Act is to promote the informed use of consumer credit, ensuring transparency and fairness in the reporting and assessment of credit information. The charge-off in question does not reflect my accurate credit history and, therefore, is in violation of this acts consumer protection standards.

Furthermore, as outlined in 15 USC 6801 and 15 USC 6802, financial institutions are required to establish and maintain proper privacy protections for consumers. The inaccurate reporting of this charge-off violates my rights under these statutes, as it improperly discloses information about my credit status that may not be accurate or in compliance with the law. These sections further stipulate that unauthorized or inaccurate reporting of personal financial data is prohibited.

I kindly request that you thoroughly investigate this charge-off entry and remove it from my credit report if it is determined that the reporting does not meet the requirements set forth by the aforementioned laws. In addition, should you find that the charge-off is accurate but still being reported incorrectly or beyond its legally permitted time frame, I request that you take the necessary action to correct or delete the entry accordingly. 

Please inform me promptly of the actions taken in response to this request, and do not hesitate to contact me should additional information or documentation be required. I trust that this matter will be resolved in compliance with federal law and in a timely manner. 

Thank you for your immediate attention to this issue.
Product: Credit reporting or other personal consumer reports

I have filed a CFPB complaint about inaccurate information furnished on my Experian report in XX/XX/. I have recently looked back over my report and seen that there is still inaccurate information being furnished. I am sending this second complaint as an opportunity to cure this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several discrepancies found in my credit reports from Equifax regarding account number XXXX. The inaccuracies present in my credit report significantly affect my creditworthiness and financial stability. 

**Discrepancies Identified : ** 1. **Duplicate Reporting** : The account appears to be reported multiple times across different bureaus, which could mislead potential creditors about my credit history.

2. **Inconsistent Reporting Dates** : - The " Last Reported '' date ( XX/XX/2024 ) and " Date Last Active '' ( XX/XX/2024 ) show conflicting information, leading to confusion. 

3. **Confusing Payment History** : - The payment history appears cluttered and unclear, with repetitive entries that fail to present a straightforward overview of my payment behavior.

4. **Incorrect High Credit and Credit Limit** : - There are inconsistencies in the reported " High Credit '' and " Credit Limit, '' which can misrepresent my credit utilization.

5. **Missing Information** : - The report lacks clarity regarding past due amounts and payment status, which are essential for understanding the account 's status. 

These discrepancies not only misrepresent my credit history but also undermine my ability to secure necessary credit. I have made several attempts to resolve these issues directly with the credit bureaus, yet I have not received a satisfactory resolution. 

In accordance with the Fair Credit Reporting Act, I request that you conduct a thorough investigation into these inaccuracies and provide me with a written response detailing the findings. I have attached relevant documentation, including copies of my credit reports with highlighted discrepancies and evidence of my attempts to dispute these issues. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and the correction of these errors. 

Sincerely, XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX
Product: Checking or savings account

IM EXPERIENCING THE FOLLOWING ISSUES ; ; ; - LACK OF ONLINE & MOBILE SERVICE ACCESS - LACK OF STATEMENTS - REJECTED CHECKS ( WITH FUNDS IN ACCOUNT ) -LACK DEBIT CARD - LACK OF CREDIT CARD - LACK OF CORRESPONDANCE ( APO/ BARCODE LOCATION ) - LACK OF RESPECT & HONORABILITY DURING TRANSACTIONS OF COMMUNICATIONS
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the inquiries which were being posted to my report. Here is the list of inquiries which were opened without my permission : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report. As of this date ( XX/XX/XXXX ), which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX data breach whichmay have gotten into the hands of unauthorized individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX XXXX RE : XXXX XXXX XXXX. XXXX Complaint : Incorrect credit file information reported to Credit Reporting Agencies Credit File : XXXX XXXX XXXX, XXXX Loan No. XXXX Complaint : XXXX XXXX is erroneously reporting a late payment for XX/XX/2022. 
Request : Correct reporting to show no late payments This letter and the attachment provided are hereby filed in order to correct my credit bureau information which is showing a late payment for the month of XX/XX/2022. See the attached declaration and proof of service pursuant to California Evidence Code Section 641 which says in pertinent part : In California, items that are served via the US Mail that are properly addressed and include the correct postage are presumed to have arrived in the ordinary course of the mail. In other words, California law assumes that the US Postal Service will deliver items in the normal course of its operations, provided that the address indicated and postage used are correct. 

The legal authority for this is Section 641 of the California Evidence Code, which states : A letter correctly addressed and properly mailed is presumed to have been received in the ordinary course of mail. 

Please update my credit file forthwith or we will begin additional legal remedial action in order to correct the error currently being reported. 

Best Regards, __________________________ XXXX XXXX XXXX
Product: Debt collection

I have contacted Calvary and all three credit bureaus ( XXXX, XXXX, and XXXX ) regarding an account on my credit report that Calvary alleges that I owe. I asked all companies to provide me documentation that I owe this debt. Calvary sent me a statement sheet that showed a balance. I asked them to provide me with the contract that had my wet signature to verify that this account actually belonged to me and they have not responded to me at all since the first letter I sent to them. The last letter I received was dated XXXX. It is now XX/XX/ and I still haven't received anything to prove that this account belongs to me. A statement is not sufficient enough proof. I as a consumer have rights and they are indeed violating those rights and I am seeking assistance on this matter.
Product: Credit card or prepaid card

On or about XX/XX/XXXX, Bank of America closed two of my credit card accounts. The first card they closed was opened over 20 years ago and was used and paid in a timely manner. The second card they closed was opened on or about XX/XX/XXXX and was used and paid in a timely manner as well. 

To my knowledge, I did not receive a letter indicating their intent to close these credit card accounts nor the reason for closing these accounts. In XX/XX/XXXX, I called Bank of America to discuss why they closed my accounts. The only information they gave me was that they sent a letter, which I did not receive, and that I had too many open credit card accounts and that my credit score is too low. 

This is unfair because these accounts have been paid at least the minimum amount due monthly by their due date. Most months, I have made extra payments to these cards in order to lower the balance and improve my credit score.
Product: Credit card or prepaid card

I had requested the consumer financial bureau to assist me with a credit card account in  XXXX     2015, m y complaint #  XXXX  which I had not used in 2 years. The bureau did a great job in removing fraudulent charges and the credit card company was suppose to close the account. I am now receiving statements fro m Barclay Card. The y also mailed me a check for {$94.00} which I did not cash because they do not owe me any money. I want any account affiliated with me  and Barclay Card clos ed. I have spent countless hours trying to do this on my own.
Product: Credit reporting or other personal consumer reports

I am a victim of fraud and identity theft and hard inquiries were made which made me financially suffered. I did freezes all my credit bureau accounts since all the bad things happened. 
Of all started from XX/XX/2023. When I received a call from capital XXXX bank asking me if I have applied for any capital XXXX XXXX credit card and I told them no. But a hard inquiry was left over on XXXX of the XXXX report. 
We also filed a online police report because that's not the only thing that individual did. I received another call from XXXX XXXX that someone attempted to open XXXX new accounts and I have to come to bank to verify identity That individual withdrawn {$1700.00} and online shopping for almost {$400.00} which we got refunded. That's when I freezes my credit. The hard inquiries from XX/XX/XXXX to XX/XX/XXXX was from the same individual responsible for all hard inquiries on all three reports. 
showes XXXX items XXXX capital XXXX XXXX XXXX and XXXX. 
For Experian of showes few items On XXXX if showes XXXX items Like credit XXXX, credit plus, capital XXXX, XXXX XXXX XXXX was a letter received but I dont see on the report and few other items. I would need a report so I can submit to the bereus to her all removed thank you
Product: Credit reporting or other personal consumer reports

I am filing this complaint because the reported debt is erroneous on several grounds. Firstly, the debt appears to be a duplicate entry, causing an inflated total balance that misrepresents my financial situation. Additionally, the report contains missing information that impacts its accuracy, such as omitted payments and transactions. My personal information is incorrectly listed, adding to the confusion and potential mix-up with another individual 's debt. Unauthorized charges have been included in the debt, which I have not consented to. The creditor has failed to provide proof of the debt 's validity or any contractual obligations that bear my wet signature. The reported balance owed is incorrect, and the payment history is inaccurately portrayed, showing late payments where timely payments were made. These cumulative errors violate the Federal Credit Reporting Act ( FCRA ) and necessitate immediate correction to reflect an accurate and fair credit report.
Product: Mortgage

XXXX XXXX XXXX is trying is trying to illegally place hazard in insurance on my mortgage with out my consent for there finical gain when I called tonight to find out why I have nor received my escrow refund the automated system told me they would start charging me for hazard insurance when I tried to get a hold of a agent I was put on hold for around 20 minuets and the cut off this is not the first time this has happened I also have nor received any letter phone call or email or any other type of communications about hazard insurance I live in a town home the association is required by law to have a master hazard insurance witch has not changed loan servicers have a history of take peoples homes and pays XXXX 's on the dollars for there fraud and staying out of jail I will let theme defraud me out of any thing I also believe this will go on there permanent record and I will be contacting other agency 's about this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I was referred to XXXX by an Agency to inquire about the cost of a program that both organizations participate in. 

The Sales Associate stated yes but needed to print the required form and I never got the Form. 

The Sales Associate asked for basic information and identification but at no time during the encounter that I give any Sales Associate at XXXX the permission to conduct an inquiry of my personal Credit Report. 

I did not agree to the cost of XXXX XXXX and I left the store. 

I went home and check my Credit Report and History. I found that an Unauthorized Hard Credit Inquiry was conducted by XXXX that reflects a Hard Inquiry on TransUnion. 

The identifying information provided by XXXX is incorrect/false. 

The information does not reflect my correct Mailing, and Physical Address nor City ;  also, I do not have a XXXX phone. 

I contact both ( XXXX and TransUnion ), by telephone on XX/XX/2019 to delete the Hard Inquiry from XXXX, dated XX/XX/2019 because it was unauthorized. 

TransUnion states the following : 1. I need to submit a Deletion Letter from XXXX. 
2. A letter from myself authorizing TransUnion to delete the Hard Inquiry by XXXX. 
3. I was given a case number, ( XXXX ) for future reference. 

Also, I contact XXXX Corporate Office by phone on XX/XX/2019 for a Deletion Letter but was advised that : 1. XXXX does not issue Deletion Letters ; instead, 2. I should dispute my Case with TransUnion through the Consumer Finance Protection Bureau. Furthermore, XXXX Corporate Office give me this web site : www.consumerfinance.gov and suggested that I follow the procedures and guidelines to file this report.
Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> Complaint Summary : I am filing this complaint regarding American Expresss failure to comply with the Fair Credit Reporting Act ( FCRA ) in reporting my account status accurately. Despite my hand written certified mail letter that was sent XX/XX/year> requesting correction of this information, XXXX XXXX continues to report inaccurate details that negatively impact my credit profile. This has been ongoing now for the last XXXX years just a XXXX  letter will be sent but all information remains inaccurate and no proper investigation is done Issues with Reporting : Inaccurate Past-Due Balance Reporting : XXXX XXXX XXXX XXXX a past-due balance on an account that was previously charged off. Rather than reflecting this as a one-time event, they continue to report it monthly as if it were a recurring delinquency. 

FCRA Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) XXXX XXXX is failing to furnish accurate information by continuing to report this balance inaccurately.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) XXXX XXXX has not corrected or deleted the unverifiable information despite my request. 
Extended Statute of Limitations : By repeatedly reporting charge-off each month, they are misrepresenting this as a recurring delinquency, misleading creditors about the true account status. 
Lack of Adequate XXXX ( MOV ) : Their response to my certified request did not provide sufficient verification to justify the monthly charge-off reporting.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer report and there are several unauthorized inquiries on my credit report that i do not recognize nor have i authorized. Please see inquiries listed below : 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 EQUIFAX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX
Product: Credit reporting, credit repair services, or other personal consumer reports

It 's company on my credit report that I did not auortized them to pull my credit When I look on XXXX XXXX it had company on there that suppose be move from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to resolve incorrect items being reported to Equifax. I have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. I have also asked them what method of verification was used, and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts : 1. XXXX XXXX- XXXX 2. XXXX XXXX- XXXX 3. XXXX XXXX XXXX XXXX