23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA these unverified & unauthorized items must be removed they are impacting my credit negatively all while being unauthorized and verified and have no permissable purpose. I was also involved in the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous of unauthorized hard inquiries on my credit report from XXXX and Equifax. I've tried to call XXXX to get these inquiries removed but they keep denying.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the reporting of the following have furnished reports has violated each of my rights : NCB Management Services account # XXXX, file # XXXX XXXX XXXX XXXX account # XXXX 15 U.S. Code 1681 602 ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit card or prepaid card

I made a payment in XX/XX/XXXX for the XX/XX/XXXX cycle. It reflected a double payment in that month and the credit company reported 30 days late to my credit report. Customer service manager ( XXXX XXXX # XXXX ) was rude and unhelpful in clearly explaining why it was reported that way. No one from the company contacted me or my wife to alert us to a potential problem. It appears that they were more interested in collecting fees than advocating for their customer. When I called back to report document a complaint I was put on hold for 30 minutes and was then told that their " system '' was down.
Product: Student loan

Navient servicing failure and repeated errors in processing and misapplying payments month after month has caused unjust interest accrual. This resulted in increased length and amount of total loan repayment. This process was never clearly disclosed as part of their payment allocation methodology used by Navient. 

Navient never provided adequate information of repayment options and required repayment to start from the initial date of the loan, resulting in uninformed and rushed choice in repayment method. This led to increased interest required for total repayment. 

The Predatory mismanagement of payments has led to an unachievable repayment plan. 

From XX/XX/XXXX through XX/XX/XXXX, Navient refused to apply or inform of the lack of payments to the principal amount of the loan. Only servicing the Interest and fees with 100 % of the monthly payments ; which were being made in good faith. This has led to the continually cycle of non-dimensioning interest that would reapply per fiscal year. Making loan repayment unachievable as the principal never was reducing which allowed the interest to never reduce per annual amount. 

SinceXX/XX/XXXX, Navient has serviced the minimal percentage of principal per each monthly payment in attempts to continue accruing maximum interest to be repaid. 

This is clearly predatory and done against good faith, stewardship, and customer 's best interest.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Experian 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  Please remove these inquiries from my credit report. These inquiries are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a loan off with XXXX XXXX XXXX over four months ago. It still shows up as an outstanding balance on trans unions credit reporting sight. I called XXXX several times and finally they sent me a letter saying that the loan was paid off ; a visit to their web-sight XXXX XXXX that letter. I filed several complaints with transunion two of which I believe just disappeared and when i called to file one I didn't even get a confirmation number leading me to believe that I was lied to and that infact my complaint was not being investigated ; one particular that I filed in reference to this issue resulted in a letter being sent stating that  they found nothing wrong as the account showed to be in good standing. It is currently shown that there is a ten thousand plus dollar balance per trans union with regards to the XXXX account which is incorrect as there is a XXXX balance and the account has long been satisfied and closed. If you could please help me get this resolved I would appreciate it it is preventing me from buying a home after mine has been sold due to inadequate credit criteria as a result of the failure to show loan satisfaction on trans unions sight.
Product: Debt collection

Cawley and Bergman bought a loan debt from XXXX XXXX that was a result of identity theft. I called XXXX XXXX. They refused to provide the email address of who applied, what bank it was deposited into, phone numbers etc. They said once an acct is sold all that information is purged. Cawley and Bergman refuse to answer calls.
Product: Debt collection

This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from 10 XXXX XXXX defaulted notes is a violation of UCC 9-110 and UCC 2- 401.They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with FRANKLIN SERVICE INC. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by XXXX XXXX XXXX stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). FRANKLIN SERVICE INC can not and will not ever produce a contract between me XXXX XXXX and FRANKLIN SERVICE INC because that contract does not exist.
Product: Student loan

My loan was serviced by XXXX XXXX and transferred to Mohela in XXXX 2015. My history of loan shows shocking info such as eight and five months period where my balance does not change despite a faithful monthly payments! XXXX has been ignoring my requests.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

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

I have had a lender try and pull my credit report for three weeks now. Every time they pull it come back with repository system error from Equifax. I have called in over 20 times about this, staying on hold at least two hours each time. I have been refused a supervisor and told it was my fault. I have been hung up on when someone refuses to help. I have also been told they refuse to escalate the situation because nothing is wrong. When I finally got the speciality department they told me they are the problem but would have to call me back in 24-48 hrs. I did not receive one call. When I returned the call to find out why the representative told me nothing is wrong and they refused to escalate the situation. This is the worst customer service I have ever dealt with. I speak to reps giving fake names and refuse to get supervisors each time when they clearly cant fix the issue. One rep lied and said she couldnt pull my file, then when I asked to speak to supervisor she then said she would pull it. I refused. Finally got supervisor after an hour wait and they pulled it but then hung up on me again. This has happened to me before when my file was mixed with someone elses and I had fraud. I tell them that and they act like I dont know what Im talking about. This is for a mortgage and creating issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter to Transunion on XX/XX/2022, requesting to investigate and verify the accuracy of the accounts on my Credit Report. These accounts are reporting erroneous information on my File. Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. I have contacted the furnishers one by one and they agreed to remove the accounts from my file. But then Transunion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When being asked why they're not accepting the dispute letters and complaints, they claim they have an internal policy ( which is XXXX FCRA laws ) and they're unwilling to explain why. I needs these accounts remove from my file based on FCRA laws : XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is Several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 

XXXX XXXX XXXX XXXX XXXX : {$4500.00} ; XXXX XXXX Balance : {$4500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive went to check my credit score because Ive been doing good with paying my car note and went to see that theirs kohls credit cards, XXXX XXXX XXXX accounts that Ive never opened and other accounts that Ive never opened. I had my taxes done by a lady and she did them wrong which caused me to get rejected many times I went on XXXX XXXX and fixed my own and she got mad ad threatened to use my name so thats my only guess about whos been using my name for stuff that I had never opened or had knowledge of.
Product: Checking or savings account

Hello, back on XX/XX/XXXX or XX/XX/XXXX. I was restricted access to all my financial accounts by Navy Federal Credit Union. After reaching out to them they had concerns about possible fraud activity on my accounts as I had applied for a new CC and personal loan. I answered all of their questions. I also submitted via email 2 separate times a letter stating I requested these loans and opened these accounts. It's not been a week. I have had 0 communication. XXXX tried calling them multiple times informing them I have no money. I have prescriptions I'm out of. I cant buy food. I can't pay my bills. I have my retirement money being DD next week I can't access. They have treated me as if I'm some kind of criminal and have been rude on multiple interactions and escalations. I need help! Please!
Product: Mortgage

In XXXX, I had to move out of my home due to XXXX  XXXX I called Freedom mortgage and explained my situation and requested information to be sent to my new address to take care of this situation. No information was sent I called again in XXXX no information. XXXX called and told them that XXXX died and I wanted my name off the mortgage because XXXX XXXX showed that somebody bought the house and the title was in somebody else name Freedom mortgage told me that was still my house and I needed to kick the people out of house, still no paper work sent requested again in XXXX, XXXX, and XXXX no paperwork sent even though EVERYTIME I called I gave them my addreess
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX of the XXXX XXXX, am of sound mind and age of majority. Upon review of my consumer credit report I have been made aware of several errors. It is a fact that ANY consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. It is a fact that i, XXXX XXXX, authorized representative, agent and beneficiary of XXXX XXXX, NEVER GAVE INSTRUCTION, PERMISSION OR CONSENT FOR THE FOLLOWING ACCOUNTS FURNISHED IMPROPERLY AND DISHONESTLY BY REPORTING AGENCIES : Account name : XXXX  XXXX Account number : XXXX. Account name : XXXX XXXX XXXX. Account number : XXXX. Account name : XXXX XXXX XXXX XXXX. Account number : XXXX. Again, i, XXXX XXXX, authorized representative, agent and beneficiary of XXXX XXXX, NEVER GAVE INSTRUCTION, PERMISSION OR CONSENT FOR THE ACCOUNTS ABOVE TO BE FURNISHED. In accordance with the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), FEDERAL LAW states A consumer reporting agency MUST, through PHYSICAL VERIFICATION of an ORIGINAL SIGNATURE CONSUMER CREDIT CONTRACT for ANY AND ALL ACCOUNTS posted to a consumers credit report. Failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified information MUST be removed.
Product: Payday loan, title loan, or personal loan

At approximately XXXX XXXX on Thursday, XX/XX/XXXX I was at my place of busines which was not open for business and the manager at 1st heritage Credit ( XXXX ) he knocked on the door and my manager let him in he introduced himself to her as a welcome to the neighborhood and then walked past her to me and began to collect on my account. I informed him that I did not think this was legal coming into my place of business and he said it was and that he wanted to make payment arrangements or he would take me to court I advised him that I am filing bankruptcy and my attorney would contact him and he continued to collect and urged me to continue to pay outside of my bankruptcy. He did not ask me to verify who I was all he did was call me by my first name and I responded. He continued to collect in front of my peers as well as a passer by who stopped in the office. After multiple attempts of me telling him to please go though my lawyer he finally left. My business was discussed in front of many people. It was both unprofessional and embarrassing. I also believe this is close to harassment. I specifically asked if this was legal, as I know it is not, and he continued to berade me in front of my peers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed a letter to Cavalry regarding the debt they placed on my credit report for {$1500.00}. I requested validation of this debt. I have no knowledge of this account. 
On XX/XX/2022, I received a letter from Cavalry acknowledging that they received my dispute however they refuse to validate or send me any documentation to validate the claim they place on my credit report. I have never done business with this company. 
They claim that XXXX SOLD my personal and private information to them, which is a direct violation of my privacy. 15 U.S.C 1681 Sec 602A, states that I have the right to privacy. 15 U.S.C 1681 sec 604A Sec 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions. As a consumer and natural person, am aware of all the rights that I have which are protected by Congress under the Fair Credit Report Act ( FCRA ). 

Cavalry Portfolio Services claims I owed them {$1500.00}. I have challenged and disputed the accuracy, compliance, and reportability of this listing multiple times, however, they failed to investigate and validate this debt and continued to report the erroneous account to the credit bureaus which is a violation under 15 U.S.C 1692 ( g ) Section 809 ( b ).

My personal and private information was obtained and SOLD to other organizations as well, such as XXXX, XXXX, and XXXX, which I did not grant. I was not notified that this information was being provided to the highest bidders. 
.
Product: Student loan

Attempt to resolve with Nelnet ( " NN '' ) unsuccessful. All dates in XX/XX/2017. Complaint pertains to all NN-serviced loans. I retain complete audio recordings of calls with NN on XX/XX/XXXX ( " XX/XX/XXXX calls '' ) and on XX/XX/XXXX ( " XX/XX/XXXX calls '' ). I retain copies of all apps submitted to NN on XX/XX/XXXX ( " XX/XX/XXXXREPAYE, '' " XX/XX/XXXXPAYE '' ), emails submitting such apps ( " REPAYE Email, '' " PAYE Email '' ), and emails from NN to me on XX/XX/XXXX ( " XX/XX/XXXX emails '' ). There are 8 SEPARATE complaints which I request be addressed SEPARATELY. All sentences below are followed by citation of supporting evidence. 

1 ) NN canceled XX/XX/XXXXPAYE without authorization. XX/XX/XXXX calls ( NN admits ). On XX/XX/XXXX, clearly and explicitly, I requested verbally and in writing that REPAYE app be canceled but subsequent PAYE app be processed. XX/XX/XXXX calls ; XX/XX/XXXXPAYE ; PAYE Email. NN stated this would occur as requested. XX/XX/XXXX calls. Cancelation occurred ON XXXX XXXX with no attempt to notify me until my XX/XX/XXXX call requesting app status. XX/XX/XXXX calls ( NN admits ). 

2 ) NN refused to process XX/XX/XXXXPAYE. XX/XX/XXXX calls ( NN admits ). 

3 ) NN failed to place me into ANY IDR after XX/XX/XXXXPAYE. XX/XX/XXXX calls ( NN admits ). 

4 ) NN declines to offer adjustment for time between XX/XX/XXXX and XX/XX/XXXX ( " Lost Time '' ). XX/XX/XXXX calls. 

5 ) NN refuses to place me into PAYE, citing inaccurate Dep't of Edu. rule. XX/XX/XXXX calls ; XX/XX/XXXX emails. 

6 ) NN stated to me that I am eligible for PAYE. XX/XX/XXXX calls. 

7 ) NN claims it can not review XX/XX/XXXX calls. XX/XX/XXXX calls. 

8 ) NN hangs up on me and promises follow-up communication that does not occur. XX/XX/XXXX calls ; XX/XX/XXXX emails. 

I may apply for non-PAYE IDR to the extent NN refuses to place me into PAYE. I continue to demand placement into PAYE through processing of XX/XX/XXXXPAYE, even if placed into non-PAYE IDR through app for such made after this complaint form is submitted. I demand adjustment for Lost Time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with Santander Consumer USA. I lost my job in 2016 after having this loan. I called and the rep said they would skip a payment and I could pay two months later and I would not have any late fees or penalties. My credit report shows 4 late pays with Santander and they now state that did n't happen when I call in.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account has been showing up on my credit report that does not belong to me. I have been sending out disputes for this one account and nothing has been happening. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Unverified account
Product: Checking or savings account

On Monday XX/XX/XXXX while at work, I have received a welcome to XXXX email. Which I havent opened nor heard of. Right after two transactions of {$500.00} was taken out my account to two different people I dont even know of. I called PNC that same evening/night. While on the phone ; a XXXX amount off XXXX was taken than cancelled. Crazy. The Rep on the phone block all access online. I went to my branch despite everything that I didnt authorize. Even than I was told I had to wait. What I dont get is HOW ALL THIS TIME BEING A CUSTOMER THEY ALLOW A XXXX ACCOUNT TO BE MADE. That should be suspicious activity for all of suppen to have. No one called or anything. The fact I reported everything within hours they basically didnt Care all my money was fraudulent taken. They didnt even credit me anything. I just gotten Paid n Pnc just let my money go. I have all types of security with this back because they allowed my twin to fraudulently take out my account back in XXXX. Now here I go again and they seem not to want to do anything about it but tell me I have to Wait n they may cant give me anything. I have a XXXX year old that I work hard for n to have my money just taken n not refunded I truly dont feel Safe banking with them anymore.
Product: Mortgage

I received my annual escrow shortage statement and called to discuss why they only allow me to pay a portion of the shortage and not all of it to keep my monthly payments level. The only reason I was given is that it was a RESPA requirement that they had to spread a portion out to each monthly payment. 

I explained that I have the money now to take care of the difference and that continually increasing my monthly mortgage payment causes a financial hardship throughout the year. The options they gave me were to refer me to collections to adjust my monthly payment. I don't want to adjust my monthly payment and extend the loan I want to pay the entire difference in one lump sum and keep my payments the same. 

I have reviewed Shortages, Surpluses, and Deficiency Requirements 12 CFR 1024.17 ( f ) and I see that if the shortage is less than a monthly escrow payment I should have the option to pay it all at one time. My concern is the shortage is anticipated/estimated so they have no way of really knowing at this point that it is over the monthly escrow payment. 

I realize the law is there to help protect the person paying the mortgage but in cases like mine it can create a hardship and there should be an option to pay it in one lump sum. 

I have no way to contest that their anticipated amount is correct or not and therefore, request that you help me with PNC Bank 's estimate and find a way to stop them from continually raising my monthly payments when I have the means to keep them level by paying the shortage as one lump sum.