23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I currently have multiple student loans with Navient which are all under my name and my name alone, recently I fell behind because my husband lost his job and I am providing for my whole family including a newborn. Navient has told me there is nothing they can do to help me at this time so the loans are being paid as I can pay them. Recently on XX/XX/19 Navient has started to call my Mother about the status of the loan and trying to contact me, my Mother is not co-signer on the loan and has no responsibility to pay back the loan on my behalf. Navient had reached out leaving more than 1 message for her on her personal cell phone. This company is harassing my family now over an issue that was addressed with them but they could not do anything to help. Feeding my child and keeping my home is where my money is going first and then to Navient as I can, I feel as if this company has and does use illegal tactics to harass borrowers and at no point should be contacting my family members.
Product: Debt collection

I have contacted XXXX XXXX XXXX regarding accounts XXXX IN THE AMOUNT OF {$140.00} dated XX/XX/2018 thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that validates I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with Allied Interstate or whom they represent. I am also a victim of identity theft and this account is a direct result of identity theft as i have never ever done any business with them. Not only that I have never heard from Allied before they inserted this account into my file. I was never give my right to dispute and ask for validation. Please remove this account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter of to the consumer reporting agencies XXXX Equifax and XXXX to remove address from my personal information and that I am a victim of identity theft back in XXXX of XXXX According to the fair credit reporting act 15 USC 1681 I have the right to privacy also according to 15 USC 6802 no final institution is not supposed to share my information to third party people they are clear violations of my federally protected consumer rights The names are XXXX XXXX XXXX XXXX Address are XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting 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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX  Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX - XX/XX/year> 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 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 XXXX 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 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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I had got an email from my XXXX account a few months ago saying it was a security breach, shortly after I got a note in the mail from XXXX XXXX XXXX XXXX, then XXXX XXXX mail came, a few weeks later XXXX XXXX mail came. All notes were declines for a credit card or loan I didn't do. These are affecting my credit score and need to be removed.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where XXXX has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX inaction violates Federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On going issue with closed accounts. Reporting on my credit profile. The information was pulled from consumer reporting agencies- XXXX - XXXX - experian - these accs are fraudulent closed accs- I filed a complaint and fraud report with federal trade commission- and my states attorney office regarding thees matters- please remove the filling accs - XXXX XXXX  -acc # XXXX XXXX XXXX -acc # XXXXXXXX XXXX XXXX -acc # XXXX Please note that these accs was tied to my adress and email - details are enclosed with the documents attached
Product: Credit reporting or other personal consumer reports

Inaccurate account for XXXX XXXX of {$1900.00}. 
Inaccurate account for XXXX XXXX XXXX {$710.00}
Product: Checking or savings account

I was frauded {$80.00} on XX/XX/23. My phone was stolen and found out this transaction was sent using my phone. I attempted to dispute this to no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA & s. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card

Capital One did not update my new address or phone number correctly. They failed to call or send my statement for three months. The reason I found out was because I was denied a loan for purchase of car. I called Capital one, and they admitted the above and stated they would wave late fee, and contact the Credit people to update that the delinquency was their error. I paid the bill, and they said I have to follow up in 10 days. My question is will my credit be justified, and how long.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Law ( 15 usc 1681a2 ). All three credit bureaus have been falsely reporting an account from XXXX XXXX XXXX that should not be in my credit report. I have never done any business with this company ; nor did not give written permission to have this account furnished in my credit report. 

Equifax XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 6 rounds of disputes for inaccuracies on XXXX, equifax and XXXX. I have not received any results. This started on XX/XX/2020. I have demanded they remove all inaccurate information as this is hurting me financially and emotionally. I have waited 45 days between disputes to allow time for mail delivery and I am not receiving results from these disputes. I have demanded my rights for fair credit reporting.
Product: Mortgage

On XX/XX/2019 I reached out to XXXX XXXX loan officer for chase bank, ID # XXXX, in connection with a home refinance loan. After many emails back and forth discussing credit, income, and fico score specificities, Mr. XXXX said via email, based on your information, and after speaking with my manager, we are able to provide a loan to you. Believing that Mr. XXXX, acting on behalf of chase bank and its affiliates, requested my personnel loan application for loan process. I then provided my personnel information, and a credit pull was executed on my credit file. Again, Mr. XXXX ensured me that he would begin work on my loan immediately. However, after 4 days past, I was still inquiring for a response back from chase regarding the loan process, by which Mr. XXXX finally responded and said, sorry, credit was denied. When I asked why, he stated, rates change everyday. I believe that Mr. XXXX, and Chase Bank made misleading and false promises Im order to acquire my private information, and then deliberately lied to me, and discriminated against me for no apparent reason. I am a very credit worthy person, with many current and on time payments, income, and fico score. Mr. XXXX and chase bank have damaged my credit file, and also made false and misleading promises in order to acquire my information, and then denied credit of merits that did not pertain to me. I demand that chase bank remove the inquiry on my credit file, and compensate me for causing damage to my credit, and creating a negative impact to my ability to achieve my credit goals. This is based on the evidence I have in emails sent to me directly. This is a blatant and malicious act that must be addressed and corrected immediately.
Product: Credit reporting or other personal consumer reports

NetCredit XXXX On XX/XX/2023 I called net credit to discuss the incorrect information on my report. They stated that I would have to contact XXXX XXXX, So I did. 

On XX/XX/2023 I finally got through to XXXX XXXX. I was informed that I did not owe anything. I had a XXXX balance, and that my request for deletion was already done. It is showing that its still in collections and that it was a charge off and derogatory. It was supposed to state paid as agreed even before I ask for the deletion. It does not show on my credit report that it was done not with the reporting agencies. It is actually still reporting on XXXX and XXXX. 

I was also informed by XXXX XXXX that I would have to contact netcredit in order for them to complete the process. I am enclosing a screenshot of what is being reported incorrectly on the report.
Product: Credit reporting or other personal consumer reports

I urge you to conduct a thorough and meticulous investigation into the accuracy of the bankruptcy entry on my credit report. If your investigation reveals that this information is inaccurate or can not be fully verified, I demand its immediate removal. Ensuring my credit report is accurate and free of erroneous data is not just a requestit is my right under the Fair Credit Reporting Act ( FCRA ). Inaccurate reporting can have significant consequences on my financial standing, and I trust that you will take the necessary steps to uphold the integrity of my credit file. 

Furthermore, I expect a detailed written notification outlining the results of your investigation, including whether the disputed bankruptcy entry has been corrected, removed, or deemed accurate. This explanation should provide full transparency regarding your findings. Please ensure this notification is sent to me within the legally mandated timeframe of 30 days, as required under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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

On XX/XX/year>, I submitted all required documents and information to the relevant parties, as part of a standard process expected to adhere to FCRA ( Fair Credit Reporting Act ) guidelines, which stipulate a resolution or response timeframe of no more than 30 days. Despite following all guidelines and procedures, as of today 's date, the issue remains unresolved and the 30-day period has been exceeded without any communication or satisfactory explanation. This delay and lack of response are in violation of the FCRA laws that protect consumers, and I am seeking assistance to ensure that my rights under these regulations are upheld.
Product: Checking or savings account

On XX/XX/2019 my job XXXX XXXX. Paid me with direct deposit in the amount of {$780.00} when I went in my chime backing app I was not able to get in my account it had said that I was locked out I the. Called the bank to speak to a supervisor and no came on the phone another time I got a supervisor but there where not help they just told me they cant get into the account they asked me to send email with my ID my ss number and. Still havent gotten any answers
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is showing my account as closed/charge off with a {$0.00} balance after I fought four months to close the account with the {$0.00} balance. Account closed, finally as charged off after 4 deliquent months on a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a late payment on my credit report that is inaccurate. The account in question has been paid in full and closed of XXXX of 2019. Yet the late payment is still reflecting on my credit report through your agency as a result that DEP OF ED/XXXX has stop reporting late payment to the credit bureaus. 

The student loan agency responsible for reporting this information stopped reporting it as XXXX 2019, as the account was paid in full. Therefore, there is no reason for the late paymentto still be reflected on my credit report. 


Furthermore, Experian, XXXX, and XXXX, is showing multiple accounts for the same late payment, which is impacting my ability to move forward with purchasing a home. I am in the process of trying to buy a home, but this erroneous information on my credit report is hindering my progress. 


I kindly request your assistance in resolving this issue and having the late payments removed from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you and bless you so much. The indigo G/F credit card company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reported that my indigo card is XXXX percent ratio usege.according to what I have up on the monitoring wall my balances should not be XXXX percent high. I don't miss any payments on the card and I call in the payments every month. Because of this recent XX/XX/XXXX reporting to XXXX my score dropped XXXX points. I believe that I could have been wrongly singled out and that my good credit worthy trust by indigo was not placed into any consideration. My last name is XXXX. I believe that this is unfair and can seriously damage my future lending journey since it even hurt my good credit score. I don't know what's going on. All I know is that I had filled A complant with you a couple weeks ago regarding this category. Please help me.i am hurt over this because I take my credit worthy Ness seriously. Bless you and thank you too. I am a moral responsible person and I do not miss payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX needs remove the XXXX & Bankruptcy of XXXX Tn from my credit report with also updating my credit report file and score to reflect so unless they would rather this to turn into a legal matter in court resulting in a up to XXXX fine XXXX needs remove the XXXX & Bankruptcy of XXXX Tn from my credit report with also updating my credit report file and score to reflect so unless they would rather this to turn into a legal matter in court resulting in a up to XXXX fine XXXX needs remove the XXXX & Bankruptcy of XXXXXXXX XXXX from my credit report with also updating my credit report file and score to reflect so unless they would rather this to turn into a legal matter in court resulting in a up to XXXX fine On XX/XX/XXXX, originally, I sent XXXX a letter with the intent to file a complaint with the FTC, due to blatant and objectionable disregard of the law ( s ). 
about them incorrectly reporting a XXXX  XXXX Bankruptcy and provide proof of validation or remove it immediately from my credit report. A certified mail receipt was sent back to me stating that it received and stamped XXXX, which i have a copy and proof. 
In the meantime I contacted the court directly to dispute this issue, i sent a letter dated XX/XX/XXXX from United States Bankruptcy XXXX XXXX XXXX of Tennessee stating that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as XXXX, XXXX, and XXXX. Signed by XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX XXXX responses back in a letter which i have proof of that they determined that data had been previously verified. after the court has they have wrote a letter stating that did not /do not. -VIOLATION It is a year later they still reporting it on my profile .XXXX  - Sent a statement XX/XX/XXXX stating that the item i am disputing is not currently reporting after they received a coy of the letter from the court but they are now reporting it, lowering my score. -Violation XXXX was sent a intent to file a FTC complainXXXX XX/XX/XXXX due them disregarding the proof of validation. They are still reporting this Entity that should not be reporting because according to court they have not verified it .Violation
Product: Mortgage

I applied for mortgage assistance from Shellpoint Mortgage in XXXX, and received an email dated XX/XX/XXXX that I was approved for a 3 month deferment. The only mail/correspondence I received after that were monthly mortgage statements. 

Then after receiving a court order regarding foreclosure, I contacted Shellpoint. And was informed that I failed to make trial payments. Once again, I've never received ANY mail, letters. etc regarding ANY type of trial plan or loan modification. 

I reached out numerous times to speak to my point of contact, and asked for forbearance so I could apply for another trial plan. I called and spoke to XXXX XXXX on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I was told there was a foreclosure date of XX/XX/XXXX. 

The only correspondence I've received is an email dated XX/XX/XXXX that I was approved a 3 month deferment. My understanding was this deferment would end in XXXX or XX/XX/XXXX.
Product: Checking or savings account

I deposited three money orders on XXXX XXXX, 2022 into my Bank of America checking account. The next day, which was less than 24 hours since the deposit, I started getting notices that my XXXX was no longer connected to an account. I went to the bank. The bank personnel made some calls and found out that my account had been closed because they claimed the money orders were altered. The ladies at the bank told me that the money orders had not even had time for human eyes to look at the hard copy of the money order. There were five money orders purchased at the same time. They ended with XXXX, XXXX, XXXX, XXXX, and XXXX. I was given XXXX, XXXX, and XXXX. All three totaled {$2300.00}. The other two were given to my realtor, who had no problem with them at her bank. Bank of America closed my account ( and banned me from opening another account ) and held the money that was in it, which was for my mortgage. It took awhile, but they eventually returned the money that was already in the account. I found out from XXXX XXXX, the issuing bank for the money orders, that Bank of America had cashed the money orders on XXXX XXXX, 2022. I called almost every day because Bank of America told me that my issue was under review. On XXXX XXXX, Bank of America told me that they will not be giving me the money until this has been fully reviewed, which they said could take five to seven years. This fiasco has affected my XXXX and XXXX mortgage payments.
Product: Payday loan, title loan, or personal loan

The issue im having and so are a few other people with the loan company " Security Finance '' is that they are not reporting anyones credit. They claim its corporate wide with some kind of system issue, which its been like this since XXXX or XXXX. Ive taken out 2 loans one from them and another from " XXXX XXXX '' which XXXX XXXX has reported monthly and also that ive closed the one from them. Security Finance however has not reported even once since ive been with them but yet they can make a hard inquiry on my credit for a 2nd loan, and still not report any of my on time payments. 

There are also many complaints online everywhere about them not reporting anyone 's credit this year..
Product: Debt collection

Rent Recovery Solutions LLC claims me and my roommate individually owe {$310.00} as of XX/XX/22 to XXXX at XXXX XXXX. We paid all of our bills in a timely manner and XXXX at XXXX XXXX even sent us reimbursement money from our security deposit upon move out on XX/XX/22. So us owing money makes absolutely no sense. We also never received any emails or calls indicating we ever owed any money, which is illegal to automatically send debt to a debt collector. We have contacted XXXX at XXXX XXXX multiple times and its been weeks since they said they would contact us back, but havent every time we reach out. Please make sure this never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Erroneous Information and Statue of Limitations
Product: Mortgage

XXXX XXXX XXXX XXXX  - XXXX has transfferred my mortgage too : Select Portfolio Servicing. I am receiving mortgage default phone calls from Select Portofilio advising they are collectiong on a debt for a default mortgage. I received 3 phone calls  on XX/XX/2018 from Select Portfolio Servicing demaning mortgage payments that are delinquent and the respective late payment charges & interst amounting too {$15000.00} plus 2 past due mortgage payments in the amounts of {$1300.00} & {$1300.00}. 

I am not in default of my mortgage payments ; I am not behind in my payemnts. Why is a debt collections agency calling and sending me written mortgage default requests for payment
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SS : XXXX Tel : XXXX XX/XX/year> I request that you update my personal information on my credit report so its accurate. 

Please update the following : My primary mailing address - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My primary phone number - ( XXXX ) XXXX My primary email - XXXX My current employer - XXXX XXXX XXXX Position - XXXX  Thank you XXXX XXXX