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

Due to hardship we had to do a mortgage loan modification for both our first and second mortgage in XX/XX/XXXXwith XXXX XXXX XXXX ( government program HAMA ). Upon completing that, the letter we received later in XX/XX/XXXXstates that our second mortgage loan was in default, was being transferred to Nationwide Credit Inc. but it never states that our loan was going to be charged off. Since then we have made every payment for over 5 years like clockwork. 

Sometime between XX/XX/XXXX and XXXX XXXX " merged '' or " sold to '' or " hired '' XXXX mortgage services. We now receive statements for both our first and second mortgage from XXXX on XXXX letter head. However, the statement for our second mortgage on XXXX letter head instructs us to send the payment for just the second mortgage to Nationwide Credit. We find this deceiving and gave us the impression for over 5 years that  XXXX/XXXX still held our loan and had not charged it off. 

Now XXXX has reported to at least XXXX and XXXX  ANOTHER CHARGE OFF in XX/XX/XXXX ( how can they charge it off twice )? We can prove they charged it off in XX/XX/XXXX and are now charging it off AGAIN in XX/XX/XXXX ( at least according to our credit reports ). Also, we believe our credit reports are changing almost weekly since we filed the complaint with XXXX/XXXX/Nationwide ( we are not sure which company we should be dealing with? ).  We think they are trying to change it to cover their tracks or dates etc. We have pictures of different report dates etc constantly. 

Both XXXX and XXXX are wrong. But, specifically XXXX is bogus, it even reports a highest balance of {$0.00} for our second mortgage, {$0.00} paid on that loan but then shows a balance of over {$30000.00} and shows as a " charge off '' in both XX/XX/XXXXand XX/XX/XXXX. 

How can you charge a loan off twice 5 years apart? And report a late payment when we have made payments for over 5 years like clockwork? 

How can a company charge a loan off twice 5 years apart after we have made the payments AND they send statements from the same company even though we are sending payments to a third company? 

This slight of hand and bogus credit reporting is ruining our ability to function and get any consumer and business funding/capital. 

We have attached two pictures below that show two charge offs, one in XX/XX/XXXX and one in  XX/XX/XXXX. You can also see that it reports we have paid off {$0.00} of this loan. We paid off almost half of this loan. It also shows highest balance as {$0.00} yet a balance of {$35000.00}. I mean nothing on this is correct. 

We have been trying to resolve this for over a month with the company and are getting nowhere. We are now filing this complaint and have hired an attorney.
Product: Student loan

I have been unemployed for over a year. I was approved last year for an income driven repayment plan. Because I am still unemployed, and my unemployment benefits also ended as of XX/XX/XXXX, I requested a renewal of income-based repayment for the coming year. Although Navient says that my request was approved, 1 ) I was not told the amount until less than a month before the next due date, 2 ) when I called I was told there was nothing that could be done over the phone and that the only way to address the problem was by beginning the 3 month (! ) process all over again, and 3 )  the amount of the payment increased by more than 300 %. 

The dates and documents involved were the following. Please note that the dates of my document submission are approximate because the Navient website is not currently displaying incoming correspondence for my account. 

1 ) I submitted my request for renewal of income-based repayment late XXXX early XX/XX/XXXX. 

2 ) I received a request from Navient for further documentation on XX/XX/XXXX. 

3 ) I uploaded the further documentation during XX/XX/XXXX. 

4 ) I was notified that my renewal had been approved on XX/XX/XXXX. 

5 ) I was notified that my monthly payment is now {$260.00} on XX/XX/XXXX. This is one month 's notice of a $ XXXX increase from {$66.00}, and was given nearly two months after the notification of renewal. 

I believe Navient is acting in bad faith for several reasons. 

1 ) The documentation requested by Navient was my most recent Federal tax return, for XXXX. This tax return shows income I made before unemployment began. I was told by customer service when I called that this tax return was the basis for raising my payment amount. It is easily discernible based on all of the other information that I provided that I have been unemployed since the summer of XXXX and that this tax return is not at all representative of my present income in the autumn of XXXX. 

2 ) A review of this decision should be done without having my having to go through the same process -- which took 3 months this summer. 

3 ) There was no reason for the 2 month delay between approval of the renewal and the disclosure of the new payment amount, which came as a surprise and a shock to me. 

4 ) The website does not show uploaded documents. 

I suspect that Navient is trying to avoid honoring the terms of the Income Based Repayment Plan by shifting people in my position to deferment programs instead by increasing repayment without reason, and with unaccountably late notice. Navient is already facing lawsuits for denying borrowers recourse to these programs designed to help borrowers, and I believe this is an extension of that bad faith activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

An active account shows in the credit report which I did not apply as follows : Company Name : Mountain Run Solutions opened on XX/XX/2021 Please be advised I never opened or initiated this account under my name. 

Thank you, XXXX XXXX
Product: Prepaid card

I filed a case for an unauthorized transaction, and after a long wait the dispute was settled in my Favour, its been 3 months and I am yet to get my replacement card, I have contacted income via fax, contacted customer service sent email with verification of address to XXXX yet no response, how do I wait 90 days to win a case and still wait 90 days to receive replacement card, kindly send my card via XXXX XXXX delivery, its been a long ride, here is the case number XXXX and XXXX they are both for XXXX $ each I want a {$200.00} card sent to me, my correct address has XXXX XXXX  and not XXXX XXXX, so its XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX
Product: Debt collection

Debt collector Improved Data Services calling place of employment after being told not to contact me at work
Product: Credit card or prepaid card

WHERE IS MY CHECK???? YOU ALL STOLE MY MONEY AND I WANT IT BACK IMMEDIATELY!!!! THIS IS 100 % ILLEGAL!!!!! COMPLETELY INCOMPETENT!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for service through Lexington Law to fix my credit and for months they didnt do anything to help me at all. I had to dispute old accounts that were paid and closed or even over seven years old that needed to be removed from my credit reports and I paid XXXX a month for way over a year with no results. I dispute these accounts on my reports but over and over even the credit bureaus dont respond. Im so sick of spending so much time to get my credit score to where I can finally have a good score and its a constant situation that gets nowhere. I shouldnt have to jump through hoops
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer.

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Per Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). 
I want my dividends returned to me and mailed to my home. 
Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 I WAS AT THE GROCERY STORE AROUND XXXX XXXX. SOMEONE STOLE MY WALLET ALONG WITH MY PERSONAL INFORMATION AND OPENED THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX # XXXX OPENED : XX/XX/2022 AMT. XXXX XXXX XXXX # XXXX, XXXX OPENED : XX/XX/2022 AMT. XXXX THE FOLLOWING INQUIRIES ARE ALSO FRAUDULENT : XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/2022
Product: Credit reporting

received letter in mail stating that XXXX of my account holders has changed my name, address or SS number and I should get it checked out. The letter came from Equifax. I order my XXXX reports, XXXX and XXXX XXXX come in 1 week and all info is correct, I get another letter from Equifax saying that they ca n't identify me and I must send them a copy of SS card and Drivers License. I email them and they say that it is hard to help me without my member ID number. I then call them and give info again and they want credit card info. This is extortion to get you to buy their services. They will not let me view my report. I will not buy their membership. I am sure I am not the only person this has happened to.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Experian for repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically regarding their failure to investigate disputes, maintain accurate credit reporting, and comply with federal laws. Despite multiple attempts to address inaccuracies on my credit report, Experian has neglected to properly investigate, update, or remove disputed information, causing harm to my credit profile and financial standing. 
Background of the Complaint I have submitted multiple dispute letters to Experian regarding inaccuracies on my credit report, but the following issues persist : Failure to Ensure Maximum Possible Accuracy Violation of 15 U.S.C. 1681e ( b ) : Experian is obligated to follow reasonable procedures to ensure maximum possible accuracy of the information reported on my credit file. However, inaccurate account details, inconsistent remarks, and incorrect balances continue to be reported, even after disputes. 
Failure to Investigate Disputed Information Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Experian is required to conduct a reasonable reinvestigation of disputes within 30 days. Despite submitting detailed disputes with supporting documentation, Experian has failed to investigate properly or remove the inaccurate information.

Failure to Delete Inaccurate Information Violation of 15 U.S.C. 1681i ( a ) ( 5 ) : Experian is required to delete or correct inaccurate, incomplete, or unverifiable information from credit reports. However, the inaccuracies remain on my credit report, even though they can not be verified.

Failure to Properly Handle Disputed Information by Furnishers Violation of 15 U.S.C. 1681s-2 : Creditors and data furnishers are required to provide accurate information and investigate disputes submitted by consumers. Experian has failed to ensure that data furnishers comply with this requirement.

Failure to Remove Outdated and Obsolete Information Violation of 15 U.S.C. 1681c ( c ) : Experian has reported outdated and obsolete information, which should have been removed according to federal law.

Recent CFPB Lawsuit Against Experian I recently learned that the CFPB filed a lawsuit against Experian for failing to properly investigate consumer disputes and reinserting errors into consumer credit reports. The CFPB alleges that Experians sham investigations violate consumer protection laws and threaten access to credit, employment, and housing. My experience aligns with these findings. Despite providing clear evidence of errors, Experian has repeatedly refused to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these Fraudulent Inquiries from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information. 

The accounts and inquiries are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a compliant against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available finds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

I received a personal credit card by JetBlue Barclays, which Ive been a customer of theirs on the business side for almost a year now without any problems. I get my personal card after making several charges then trying to load the card to XXXX XXXX. I was met with error when I called into the Institution to resolve the issue. I was told my card was blocked and that I had to send all my documents over again they are very rude and condescending. Ive had to verify myself over a dozen times which every time Ive passed verification and still, my card is blocked and they keep asking me for the same information over and over Again Like theyre trying to get me to not be me
Product: Mortgage

Loan XXXX I was behind on my mortgage for 1 month but I made arrangements to pay back the monies owed to escrow in 5 extra monthly installments in addition to my mortgage. I have made three of these extra payments but my credit report score has dropped about 80 to 100 points as of XX/XX/2019. If I am now current and paying back why was me credit score effected so much? O am current with this first lien mortgage and current on all my other credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous times for experian to DO a complete investigation OF EVERY ITEM OF INFORMATION THEY REPORT ON under what is defined as investigation under the laws passed by congress. They have repeatedly continued NOT TO DO AN INVESTIGATION AS IT IS DEFINED by the law. 
THEY HAVE CONDUCTED NO INTERVIEWS WITH FAMILY AND FRIENDS AND HAVE NOT DONE a proper investigation as defined by law. 
They have also repeatedly violated my rights 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) Eperian Report Number XXXX Date Generated XX/XX/ XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my ONLY ADDRESS to : XXXX XXXX XXXX XXXX XXXX XXXX My only name is : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is XXXX XXXX  My only employer is : Sunbelt Rentals I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, this is my SIXTH TIME sending in this letter as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVY FEDERAL CU I never had a navy account Reported : XX/XX/XXXX {$16000.00} Closed Overview You're currently using 1107 % of your account 's limit.

Balance {$16000.00} Credit limit $ XXXX Monthly payment {$0.00} Opened XX/XX/XXXX ( 2 yrs, 7 mos ) Payment History Youve made 77 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Amount past due {$16000.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Account closed by credit grantor Times 30/60/90 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$650.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX  XXXX Balance Owed : {$420.00} XXXX  Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX  # XXXX Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX  Date of inquiry : XX/XX/2022 XXXX  XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, a few records still require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Refusal to provide the name of who owns the loan or the lender. SLS has admitted to be a third party loan servicer. 
Refusal and admittance to apply a payment during the Forbearance period and reduce the payment due amount. 
Refusal to apply up to date payments even though payments were sent to the address provided and returning such payments. 
Refusal to complete a Deferral or provide a loss mitigation package. 
Refusal to provide an escrow spread. 
Refusal to a repayment plan. 
States would offer a

Deferral, however, a Deferral is not an option. Provide the note, assignment of Mortgage and Endorsements.
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

ACCOUNTS 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.