23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been in talks with Navient every month. I have had issues with making payments but have been on the phone with them multiple times. I have more than one loan and about every month I get a letter saying that Im about to default on my loan. I have called before to set up automatic payments. I now have an auto pay of {$130.00} being debited from my account on the XXXX of every month. Last month, Navient even took my pay out a week early. I have called and asked if they are crediting the right account. I am met with people on the phone who laugh this off as a mistake with a Im not sure exactly what is happening. Every time I call I ask if this monthly payment will make everything current and I wont get anymore threatening letter. They say that I am in the clear. Yet, XX/XX/XXXX, I received a letter saying my account is a 160 days delinquent. In XXXX alone they have received {$200.00} ( XXXX ) {$130.00} ( XX/XX/XXXX ), which was supposed to be on the XXXX, and once again {$200.00} XX/XX/XXXX. I have literally no idea what to do any more as Navient doesnt seem to even know where they are putting my money. This has destroyed my credit score over time and I feel as if my interest rate does not accurately reflect my payments since Navient doesnt know where my money goes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is 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!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I'v already disputed these items, but the bureaus did not remove them nor prove validation. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXXXXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX SELFREPORTED Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX SELFREPORTED Account Number : XXXX, XXXX SELFREPORTED Account Number : XXXX, XXXX SELFREPORTED Account Number : XXXX, has violated my rights. 

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
Product: Credit reporting

Can not receive my free credit report online. I am only able to purchase for a fee. They are requesting validation of identity to provide the online report even though I can purchase it without the validation. I have made online disputes to credit report and they respond to the online dispute, they just will not provide the free report without red tape and delay which causes me to not access the free report. They are using this tactic to make money off of me, in violation of my FCRA rights
Product: Mortgage

I keep getting calls from my mortgage holder Freedom Mortgage. They call my phone as well as my wifes phone several times a day. And sometimes Im Sunday. 

I want them to stop.
Product: Debt collection

Reference to Case number : XXXX Account Details Creditor Contact Commonwealth financial XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Account Name COMNWLTH FIN Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$630.00} Original Balance {$630.00} Status XXXX Original Creditor Opened XXXX/XXXX/2016 Remarks Placed for collection Dear sir/madam few week back i submitted a compliant regarding the negative and fraudulent account COMMON WEALTH FINANCIAL noted on my credit report. But their response stated that they could not find the account on their data base. 
How did they report account that they do n't have on their data base? First i do n't own COMMON WEALTH FINANCIAL or any of their affiliates and this is a good reason to prove the account as a fraudulent one. Dear sir/madam, i want your office to look at the COMMON WEALTH FINANCIAL contact address on the above information from my credit report to confirm my compliant genuiness. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX HAS VIOLATED MY RIGHTS. 
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
Product: Credit reporting or other personal consumer reports

Yesterday, XX/XX/year>, I received an email from XXXX XXXX  stating my score changed. I logged in and saw that my MOHELA account had closed and opened a new one. MOHELA sent emails in XX/XX/year> to state they would still be the service agency handling my loans but they were internally updating the platform to a new URL. If there is an internal platform upgrade, I understand that this should not cause my account to close and reopen, which will adversely affect my credit score. Because MOHELA will continue to be my loan service authority and not a new service agency, this should NOT have affected my credit score at all with an internal system upgrade. 

MOHELA should have either stated in their emails about the transition that credit scores may be affected or that this should not have affected anyone 's credit score by closing and opening the account on their credit report. This is not a new account or servicer. This type of misinformation on MOHELA 's part should be corrected, and the agency held accountable for its extremely poor business practices. This is not the first time MOHELA has been a frustrating and challenging experience to navigate my student loan repayment.
Product: Debt collection

In early XXXX of XXXX, received the first notice from " Midland Credit Management '' of their debt collection actions due to the purchased [ XX/XX/XXXX ] debt in the amount of {$5400.00}, [ Ref # XXXX ] from original creditor ( XXXX XXXX XXXX XXXX ). On XX/XX/XXXX a notice for " Demand for Validation and Proof of Claim '' [ Cert. Mail # XXXX XXXX XXXX XXXX XXXX ] under notorial seal was sent to " MCM ''. No valid " Validation and Proof of Claim '' of the debt was ever received, but other correspondences requesting payment were received. On XX/XX/XXXX a " Conditional Acceptance Affidavit '' [ Reg. Mail # RF XXXX XXXX XXXX XXXX ] under notorial seal was sent to " MCM XXXX XXXX XXXX XXXXXXXX XXXX XXXX ]. Once again no response was forthcoming, only more correspondence dated XX/XX/XXXX informing me that they were the sole owners of the debt and will be collecting on and servicing the account. On XX/XX/XXXX another " ConditionXXXX XXXX XXXX XXXX XXXX XXXX XXXXail # XXXX XXXX XXXXXXXX XXXX XXXX ] under notorial seal was sent to " MCM XXXX XXXX XXXX XXXX, XXXX XXXX ] with a 30 day time limitation to respond. On XX/XX/XXXX a notice of " Cease and Desist '' [ Reg. Mail # XXXX XXXX XXXX XXXX XXXX ] collection activities invoking ( Maxims of Commercial Law ) was sent to " MCM XXXX XXXX XXXX XXXXXXXX XXXX XXXX ]. No response was ever received, but " Midland Credit Management willfully, negligently and in bad faith went ahead and reported this debt to credit reporting agencies clearly in violation of 15 U.S.C 1692.
Product: Student loan

I am in a five year XXXX at XXXX.I am XXXX through my thesis year. Recently, I am being harassed by my student loan provider ( Navient AKA XXXX XXXX ) to make payments IMMEDIATEY regarding XXXX of my student loans. The amount their asking is XXXX of my monthly income ( before taxes. ) They refuse to adjust the payments, saying that the payments are already " so low. '' I have requested that they apply in-school forbearance and they responded that I should have read the fine print, which says that " in-school is only 48 months. '' Dude, I was n't even legally an adult when I signed those papers. I got no warning over the summer that my payments would due soon, which is the time when I could have saved for or attempted to pick up a second job. I only get calls when they want money. They call every day, even though I am not even thirty days past due. I am actively paying tuition so that I can even graduate in the spring, and paying XXXX XXXX {$100.00} a month. I ca n't do anymore than I am already doing and still expect to get any value out of all this education. The only option that they gave me was to pay a {$100.00} fee to get a one month forbearance. 

I 'm so stuck and frustrated and they wo n't even treat me as a person. It 's like talking to a robot who only sees you as a bank account.
Product: Checking or savings account

I'm enclosing copies I made two separate deposits on XXXX XXXX XXXX of XXXX on XX/XX/1923 the money was taken out of my acct and om XX/XX/XXXX it was done again. I called global payments and was told my bank refused incorrect o ask in addition why they can't see in there system They collected XXXX not two payments totaling XXXX
Product: Credit reporting or other personal consumer reports

I call Equifax weekly as they do not have an email address or a specific case manager to speak to. The people who answer the phone have no information to provide. And can not transfer you to anyone. They have no one to help. This is a disservice and unlike any other credit reporting agency.

I have provided the necessary information to remove additional files from my credit report as a result of XXXX XXXX.

I keep getting an email saying I need to get all my information. And not email them back because the email is not monitored. 

I do have all the information, and it was determined in XXXX that I did and had other information removed due to this. 

They have no process by which to handle XXXX XXXX adverse information removal.
Product: Debt collection

The account in question was previously removed from my credit reports due to XXXX XXXX not following the proper protocol for attempting to collect a debt, the former collection agency was XXXX XXXX XXXX. This debt was removed then sold to another company unbeknownst to me. I was made aware of the selling of the account once it reappeared on my credit report. The new company is showing as Commonwealth Financial Systems and I received no communication in any form from this company. From what I understand I should have been notified no later than 5 days before this attempt to collect was placed back on my credit reports. I would like your assistance in having this debt permanently removed from my reports. 
Thank You for any future assistance
Product: Student loan

I graduated from XXXX XXXX  in XXXX of XXXX. Right before I graduated, I began receiving letters requesting payments for a Federal Perkins loan that I have no recollection of taking out. The letters misspelled my name, and I assumed that they were spam because of that, and because it is a Federal Perkins Loan. I spoke with XXXX XXXX  and XXXX throughout the first few months of recieving these letters and both parties did not know who UAS was and informed me that my Federal Perkins Loan should be with all of the rest of my federal loans and that this was most likely just a scam. A few months go by, I was still receiving mail from UAS, but they started to be final notices. I contacted XXXX XXXX  again, and they again said that it was a scam and not to worry. After I saw the non payments on my credit score I called XXXX and they then confirmed that this was who was holding my loans and corrected my information. It is now 4 years post graduation, I have enrolled in automatic payments and have been consistently making payments since XXXX of XXXX. I am now trying to buy a home and asking that they remove the lack of payments from my record considering my school, and FAFSA both confirmed for months that all of my Federal Perkins Loan information should be with XXXX ( where all of my other federal loans are ) and that this UAS seemed like a scam due to their lack of correct information and intense attempts to reach out to me. These should not fall on my credit report as it is the businesses responsibility to report my information correctly when sending important documents. 

Attached is an example of the letters they were sending me from XXXX - XXXX when my name was finally changed and XXXX XXXX  confirmed that UAS is in fact their loan servicer.
Product: Credit reporting

Public Record Information ( This section includes public record items obtained from local, state and federal courts. ) We have verifiedthat this public record item is reporting correctly. If you have additional questions about this item please contact : XXXXI have disputed this information with transunion, as the case was dismissed with prejudice as well as was expunged from my record via court order. I went through and disputed it for the same reasons as it should not appear per the expungment order with the other credit bureaus and they removed it as per court order. However transunion is refusing to do so. I am seeking assistance from the CFPB to have the removed from my credit file with transunionbelow was there response to my dispute : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX Phone : ( XXXX ) XXXXSatisfied Judgment Filed XXXX ; XXXX XXXX XXXX Court ; Case or ID # XXXX ; Defendant XXXX XXXX XXXX ; Amount {$8400.00} ; Plaintif XXXX XXXX ; Status Satisfied ; Satisfied XXXX ; Verified XXXX ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX : ( XXXX ) XXXX
Product: Checking or savings account

On XX/XX/XXXX I decided to pay my loans off. So I use my bank loans website ( XXXX XXXX XXXX  ) to make the transaction and pay my loans off. Few hours later I checked the website and the transaction had disappeared. I assumed it didnt go through since it was a high value. 
I went to PNC Online banking and started an online chat. The agent said the limit for transactions was 10 thousand but I could use bill payment if I wanted to pay a higher value. So I added XXXX XXXX XXXX as a payee and made a payment using Online bill pay. 

On XX/XX/XXXX I noticed that BOTH transactions went through ( more than 32 thousand ) and my account was overdrawn in 15 thousand ( The PNC bank authorized an overdrawn of 15 thousand without even calling me ). So I immediately called the PNC Bank and put a stop payment on one of the transactions. On the phone call I specifically said to stop the on made through the ONLINE BILL PAY ( If the call is recorded you can check that ), I did not authorize to cancel the other transaction. 
One of the transactions were reverted and I receive 16 thousand back, but for my surprise, the transaction canceled was the one I made through the XXXX XXXX XXXX, not the one I asked ( through online bill pay ). 
XXXX XXXX XXXX reopened my loan since the transaction was reverted, and they say they didnt receive the other transaction. Since then Ive called PNC many times. First they said the money was in the way and I had to wait. In a second call they said they said that the account number that I used in my online bill payment was wrong ( which I doubt ), Ive started a disputes ( twice ) and they keep closing my dispute without solving my problem. 
I feel like the bank is not taking my problem seriously, its more than 16 thousand missing in my account, each day passing the interest is being build on my loans ( more than {$3.00} per day ). Ive also been in one of the branches in person, they keep saying that someone is going to call me, but no one ever did. 

Beside the interest being build in my loans, the stress of not having the money in my account is affecting my personal and professional life.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against XXXX, XXXX and Experian for their violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my previous communication with them regarding inaccurate credit information, they have failed to take appropriate action to rectify the situation. 

I received a copy of my credit report which revealed the following errors : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXX I carefully reviewed the FCRA, specifically 15 U.S. Code 1681, Congressional Findings and Statement of Purpose ( a ), which emphasizes the importance of accuracy and fairness in credit reporting. Accordingly, I requested the removal of the aforementioned items from my credit report, as they are not associated with me. Furthermore, I provided clear evidence supporting the inaccuracy of these entries. 

Despite my explicit request and the legal obligations outlined in the FCRA, XXXX, XXXX and Experian has failed to conduct a proper investigation into these disputed items. They have neglected to recheck the accuracy of the entries with the respective creditors who reported them. As a result, these erroneous accounts remain on my credit report, damaging my creditworthiness and violating my consumer rights. 

According to 15 U.S.C. Sec. 1681i ( a ) ( 1 ) ( A ), XXXX, XXXX and Experian is required to complete a reinvestigation within 30 days of receiving my dispute letter. However, they have disregarded this legal time frame and have not provided me with an updated copy of my credit report, as mandated by the FCRA. Furthermore, they have failed to comply with the requirement to send notices of corrections to anyone who received my credit report within the past XXXX months. 

I kindly request your intervention in this matter to ensure that XXXX, XXXX and Experian fulfills their obligations under the FCRA. I believe their actions constitute a violation of my consumer rights, and I seek appropriate remedial measures to rectify this situation. I request that a thorough investigation be conducted and appropriate action taken against XXXX, XXXX and Experian for their noncompliance with the FCRA. 

Furthermore, I request that you provide guidance on how I can further protect my consumer rights and seek redress for the harm caused by XXXX, XXXX and Experian 's actions. I believe that their negligence and failure to comply with the FCRA warrant severe consequences, as this affects not only my financial well-being but also my overall trust in the credit reporting system. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Thank you for your assistance in protecting consumer rights and ensuring fair and accurate credit reporting practices.
Product: Credit reporting or other personal consumer reports

Hello, so I have made my mortgage payment on XX/XX/XXXX I sent them a check through USPS and I sent them proof that I sent the check. I sent them a copy of the check and the USPS dated stamp confirming that they have received the mail on XX/XX/XXXX. Somehow Mr Cooper claims that they have received my check until XXXX, which either it got lost in the mail or someone misplaced my check in the company and forgot to deposit it.. because I mailed this out XX/XX/XXXX with proof, When I saw in XXXX that it did not post in my account I immediately made two online payments for XXXX to be on the safe side... Seeing that they don't receive my checks.. 

I sent them in proof with everything and they have not done anything all they say is that I made payment on XXXX even though they have received my checks and confirmed they have received it and they have confirmed they have seen the dates and the USPS confirmation for XX/XX/XXXX but they still have failed to remove that from my credit report and update the credit bureau companies that I'm up to date with payments and I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly a collection on the XXXX XXXX XXXX COMPANY partial account number XXXX in the amount of {$490.00}. ( Please see pages 11 and 12 of the attached credit report. ) I am in the military and received orders to move to North Carolina. I cancelled this service prior to  my departure. The service was not cancelled correctly on XXXX & XXXX end and my roommates who presided in the residence after my department failed to pay this bill. This account does not belong to me and this incorrect reporting is harming my credit score. Please remove these items from my credit report.
Product: Debt collection

For the past 3 months Midland Collection ( MCM ) has called me every single morning. 
It is coming close to the statue of limitation and they are harrasing me every single morning. I block their numbers but they call from a different number every morning.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I need your help to get in touch with this company. I tried to contact them to find out why someone had created an account in my name. I regret that my credit report is now being affected by this very serious matter. I refuse to allow anybody to use my name, date of birth, or any other information since it also violates the privacy of personal data. They must find out who opened the account in my name and just give that person my information. Kindly help me with this matter.
Product: Credit reporting or other personal consumer reports

I have identified inaccurate information on my credit report that has not been corrected despite multiple disputes submitted to XXXX, Experian, and XXXX. The information reported is incorrect, and the credit bureaus have continued to verify it as accurate without conducting a thorough investigation, which is required under the Fair Credit Reporting Act ( FCRA ). This failure to investigate properly and correct the inaccuracies violates sections 611 and 607 of the FCRA, which require that only accurate and verifiable information be included on credit reports. 

I have attached documentation proving that the information is inaccurate, and I am requesting that this information be removed immediately. The continued reporting of false information is detrimental to my credit and represents noncompliance with federal law. I expect this matter to be addressed promptly and for my credit report to be updated accordingly.