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

In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

" Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.
Product: Payday loan

Says Case file # XXXX. Email from XXXX XXXX from XXXX XXXX XXXX XXXX. Says I owe for a loan that I did not accept. I was trying to see how much I could get, but did not accept the loan and never received the money. My bank also verified that I did not receive any money. They do have all my info. But I did not receive the money and they keep trying to get me to pay for money I did not receive and saying that I will have to go to court if I do n't pay. Says he has all the proof he needs, but as XXXX is my witness, I did not receive the money, I only applied to see what I could get. All I know it as is Cash Advance. This man says he is from the financial crime investigating department attached XXXX Government. I have never received anything in the mail regarding any information about this or from the loan that I supposedly took out in writing by mail. Only email threats to pay for something I did not receive.
Product: Credit reporting or other personal consumer reports

I have tried for the past month to get my credit report online and it will not let me in my account at all what so ever. This is very frustrating, the questions y'all are asking me doesn't even sound like anything I should have on my report. I say none of the above and you still don't let me in my account. This is very frustrating can u email me my report or send it by mail at this point
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. XX/XX/XXXX Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

Our payment forXX/XX/XXXX was not paid in XX/XX/XXXX. However, in XX/XX/XXXX we paid both XX/XX/XXXXandXX/XX/XXXXpayments together on XX/XX/XXXXin the amount of {$2100.00}, which included all late fees associated with payments being late. Account was completely caught up. XX/XX/XXXX payment due on the XX/XX/XXXXwas paid onXX/XX/XXXX ( 8 days past due ) andXX/XX/XXXX payment was due on the XX/XX/XXXXand it was paid on XX/XX/XXXX( 22 days past due ). Neither of the above mentioned months are past 30 days with the exception ofXX/XX/XXXX. I pulled a credit report with all 3 Reporting Agencies and XXXX XXXX  has reported that No data for XX/XX/XXXX and show us 30 days late for XX/XX/XXXX I called XXXX   to try and fix this and they tell me that they do not show that in their system. I called again and was told the same thing, I took the conversation to XXXX XXXX chat and was told they do not show our account being reported as late, so I paid to have our reports ( all 3 ) ran again, and again our reports are showing no data for XX/XX/XXXXand late for XX/XX/XXXXfor our XXXX XXXX   account. The statements reflect the correct information, but what is being reported to the bureaus is incorrect and reflectingXX/XX/XXXXto be 30 days late. We have been current on our loan sinceXX/XX/XXXX
Product: Student loan

Dear CFPB, I am extremely frustrated with my student loan servicer, Navient. I graduated with a XXXX in XXXX and a lot of debt. I went into repayment in XXXX with Sallie Mae. In XXXX, I received the option to consolidate my loans when I received a letter announcing that Navient would be buying out my loans. At that time, I had been working XXXX years ( full-time ) for a XXXX XXXX  organization and I had just learned about the Public Service Loan Forgiveness. I called Sallie Mae and specifically asked if the consolidation would impact my eligibility for PSLF. I was told by Sallie Mae that I would still be eligible but to wait until after split between Sallie Mae and Navient took place to apply. 

In the summer of XXXX, I took a new job with a different XXXX organization that also meets the requirements for an employer in Public Service Loan Forgiveness program. I sent in the required documents to Navient in late XXXX and was told I did not qualify. I asked " why? '' and that I had spoken to Sallie Mae and they had indicated otherwise. The representative said I would have to increase my payments to an " astronomical level '' and that " the loan repayment plan I was currently on '' did not qualify for PSLF. This phone call left me deeply shaken as I was already paying XXXX a month and could not begin to think what an " astronomical level '' would be. 

I have now accumulated 10 years of employment in a qualifying non-profit or government institutions and have made 10 years of monthly student loan payments via automatic payments ( auto-pay ) tied to my bank account. I have been in repayment for a total of 15 years. Navient shows that I am only 36 % of the way to my repayment date of XXXX/XXXX/XXXX. I will be XXXX years old. 

I feel 100 % cheated. As a first generation college student and XXXX student, I was repeatedly counseled that student loan debt was " good debt. '' While I am grateful to have received the loans to aid my scholarship money, my XXXX XXXX  tuition waivers and part-time jobs, I am deeply disappointed and frankly, angry, that I can not get on top of this debt despite years of faithful repayment and being told I could qualify for PSLF. 

I recently read in XXXX and in other sources that I am far from alone in this predicament. Instead of feeling any consolation, I feel enraged. 2 % of applicants actually qualify for PSLF? Please. I am surrounded by XXXX professionals who make far more income than I do who were also deeply in student loan debt, but their loans are being forgiven by other loan servicers who actually help up their end of the deal. 

Having my Federally guaranteed loans bought out by Navient was not my choice. But now I have no choice but to deal with a company that seems not to care one bit about what student loan debt is doing to people who are trying to contribute to a cause larger than themselves. 

Sincerely, XXXX XXXX ( formerly, XXXX XXXX )
Product: Debt collection

American first finance is a predatory lender and I believe they violated state and federal laws protecting consumers. We discussed what was expected and they did something entirely different.
Product: Credit reporting or other personal consumer reports

Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 

XXXX  Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported XXXX XXXX accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 




Tracking everything CC : FTB, XXXX, CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan was paid off to XXXX XXXX XXXX XXXX but still shows an unpaid/charge off. Letters onXXXX2018 were send to Equifax, XXXX and XXXX to update and or delete the information.
Product: Credit reporting or other personal consumer reports

I am reaching out for assistance regarding an ongoing issue with [ XXXX  ] XXXX I have disputed inaccurate information on my credit report multiple times, but my disputes continue to be denied without proper resolution. 

Despite providing supporting documents, the bureau continues to verify inaccurate information, and I believe my rights under the Fair Credit Reporting Act ( FCRA ) are being violated. I am requesting your assistance in ensuring a fair review of my case. 

I have attached copies of my dispute letters, responses from the credit bureau, and any supporting documentation. Please advise on the next steps to resolve this matter. 

Thank you for your time and assistance. I look forward to your prompt response.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX worked with XXXX XXXX with Advance Financial 24/7 to reach an agreement to settle in full account number # XXXX for {$5500.00}. A payment of {$5500.00} was withdrawn from my XXXX  XXXX XXXX account on XX/XX/XXXX ( see Bank attached ). I received an email from XXXX on XX/XX/XXXX, which stated that my account with Advance Financial 24/7 had been settled in full ( see Settlement attached ). On XX/XX/XXXX, a withdrawal of {$880.00} ( see Theft attached ) was stolen from my banking account by Advance Financial 24/7. I immediately called ( XXXX ) XXXX and spoke with Advance Financial 's 24/7 representative XXXX, who stated that the {$880.00} would be refunded to my account in 3 business days. I repeatedly asked how Advance Financial 24/7 could legally take money from my bank for an account that had already been settled, but I did not receive an acceptable answer ; nor am I confident that this issue will not reoccur. I am also not confident that Advance Financial 24/7 will promptly refund the money they stole to my bank account. I was literally in the process of paying my mortgage when I discovered the stolen {$880.00}. Advance Financial 24/7 's actions in reneging on the settlement agreement are immoral, illegal, and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

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 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. 

Account name : XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 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 seven 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 inaccu
rate.
Product: Credit card or prepaid card

In XXXX for the next few months. Got this error logging in " We locked your account to protect it from suspicious activity.To unlock it, call XXXX. '' Contacntryted fraud department to unlock. Employee must've answered security questions wrong. Now I can not login to online banking / use points / etc. Told to go into a branch however I am out of country for next few months. They are offering zero paths to unlock my account over the phone or online. Agents are dismissive when I call now. I have no way of entering account and have money, credit cards, and miles tied up in account until perhaps May when I can enter US again.
Product: Debt collection

I received my credit report last month and apparently I have a debt with the national credit systems company for XXXX dlls in the name of XXXX XXXX XXXXXXXX XXXX in which I was living in XXXX and with which the contract was terminated in a timely manner At that time they were making a change of administration, so I am sure they made a mistake with my contract, I was never notified that I had a debt, I just found out when I received my report, which I hope will be repaired
Product: Money transfer, virtual currency, or money service

XXXX  days ago, a customer send me money through chimeXXXX. I get a text message from this company I received the money. It asked me to registered an account. I did. But their system looks not work for me. I could not login. I called the customer service. a person say I should wait XXXX hours then I should be able to login. I wait XXXX hours and I was still not able to login. I called again. A person said I should get support by email to help me. I wait another day and nothing happen. I send support email my situation with a screen shot video. 

Also I find this company may not have appropriate license to do this business. This looks money transfer business.
Product: Mortgage

On XX/XX/XXXX, I signed an FHA COVID-19 Modification for pandemic relief, that included attorney fees {$47000.00}, On XX/XX/XXXX, XXXX, cease sending me monthly statement to accurately reflect current balance, or payment history. On XX/XX/XXXX, I begin to receive a monthly, statement from Lakeview who is also a servicer of the loan for an amount of {$13000.00} indicating mortgage payment indicating that in the Delinquency Notice section that " you are late on your mortgage payments '' failure to bring the loan current may result in fees and foreclosure, with the possibility of losing your as of XX/XX/XXXX, you are 45 days delinquent on you mortgage loan. When I called on XX/XX/XXXX spoke with XXXX agent # XXXX and ask why they are sending me late notice when my account is current with XXXX I was told lakeview is collecting attorney fees and corporate fees and attempting to foreclosure on my home if I do not request another covid-modification. In addition, to filing this complaint XXXX, indicated on XX/XX/XXXX, in complaint XXXX to the CFPB the total amount to be paid included fees and charges to the CFBP but is unwilling to make the FHA Covid-19 Correction as stated in their XX/XX/XXXX, letter of response causing CFPB to close the account.
Product: Student loan

My loan servicer is Mohela. 

I recently consolidated my federal student loans with the Dept. of Education and at the same time submitted an application for an income driven repayment plan ( XXXX  ). The Department of Education website shows that my application was processed on XX/XX/XXXX with a monthly payment of {$0.00} cents per month but, Mohela has me on standard payment plan of over {$860.00} per month since XXXX. 

If my XXXX application has been processed, which it has, I should be in an interest free/no payment due administrative payment pause due to the legal issues with the XXXX plan, not on a standard payment plan that is incurring interest. I have sent multiple messages to Mohela requesting that my XXXX application is correctly processed ( no satisfactory result so far ). 

Secondly, the only reason I applied for a consolidation last XXXX was because I was advised to do so on the Dept. of Education website. At the time I owed XXXXXXXX XXXX and my payment was {$0.00} cents per month ; now, XXXX months later, after consolidating, I owe {$150.00} XXXX and I am no longer on the XXXX plan, so interest ( over {$1000.00} per month ) is accruing all the time. I am very much worse off thanks to following the advice to consolidate my loans. 

Additionally, since I can't afford the payments of the standard payment plan, now my months in deferment won't count towards PSLF. I am a XXXX XXXX XXXX  and working towards PSLF forgiveness ( income XXXX : {$44.00}, XXXX ). 

V/r XXXX XXXX '' XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the inquiry listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized accounts and inquiries on my credit report following a recent data breach in which my personal information was compromised.

Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these accounts and inquiries blocked and deleted from my credit file. Below are the details of the accounts and inquiries that require immediate action. 
Unauthorized Accounts and Bankruptcies 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My loa n is   XXXX   XXXX   o wned. my home mortgage is serviced by Ditech. i have countless issues with Ditech and their practices. i applied for a streamline refinance with Ditech. was told over phone by loan processor i have eligibility that is to expire soon. but received letter on  XXXX / XXXX /   2017  Ditech denied application, refuses to return phone calls. i have left countless messages with my loan processor. no response, no explanations given. very un satisfied. Ditech is not practicing under the rules and guidelines set by   XXXX   XXXX  . my application for streamline refinance was unlawfully denied. Ditech does not adhere to laws, guidelines, nor regulations set forth by federal laws or state laws. Ditech Services is inadequate and of no benefit to its costumers. Ditech business practices is harmful to homeowners and destructive to the industry. Ditech has violated my homeowners rights and is not adhering to housing regulations laws. Ditech has not followed   XXXX   XXXX   guidelines. Ditech mortgage needs to be investigated and licences revoked for deceptive fraudulent business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

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

Request for Certification of Accuracy of Information & Wet Signature of Application on the Account XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) The Federal Trade Commission ; The Consumer Financial Protection Bureau ; The Department of Justice I have never authorized an account with Jefferson Capital, I need wet signature of application this is erroneous. And, I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Bliley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, whether electronically or in writing, especially frivolous information. It is my understanding that IC SYSTEM is sharing information under false pretenses. Until it is validated, your information concerning this debt is inaccurate, not just a computer printout on this debt, which is in violation an if not removed, I will seek further actions against the debt collection agency