23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ive mailed every payment early. I have never missed one. They are claiming the XXXX one fl did not arrive. I never received my bill in XXXX but sent a payment to a letter in their correspondence. It was returned unclaimed. I mailed it again with another payment and a letter explaining. Mailed priority with tracking. It took almost 2 weeks to get there. In the meantime I mailed another payment with a letter to cease and decide calls but they can mail.. I spoke to someone when the one envelope was returned. I told them I was at work. I told them no when they asked if they could call again. They wanted me to stop payment on check and to take money electronically but then told me Id be charged service fees for insufficient funds if the check showed up and they tried to cancel it. So they take money ti cover check then charge me because there was no money to cover the check because they already had it. In the last payment letter I issued a cease and desist notice to the daily phone calls. They continue to call. I did have tracking on the envelope and it was delivered.
Product: Credit reporting or other personal consumer reports

This CEPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the fraudulent, inaccurate, and false information. The accounts ( XXXX XXXX Account : XXXX and XXXX XXXX account : XXXX ) which I do not recognize or have ever done business with referred accounts and or collections as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to several bills I continued to receive in the mail. I have never heard from the place before. I immediately suspected my identity had been used. I reviewed my report and I was caught by surprise on things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$36000.00} XXXX XXXX {$1300.00} XXXX XXXX {$4400.00} XXXX   XXXX {$1400.00} XXXX XXXX {$0.00} XXXX XXXX {$34000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX {$530.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$7800.00} XXXX XXXX {$960.00} XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$530.00} XXXX   XXXX {$270.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$670.00} XXXX XXXX {$880.00} XXXX XXXX {$440.00} XXXX   XXXX {$2200.00} XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$500.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, JPMCB, XXXX XXXX XXXX and XXXX XXXX each requested a credit check through XXXX Credit File against my knowledge. Someone attempted to open accounts with each of these Banks. I have received communication that a " hard Inquiry '' may be placed on my credit file and it stays on my credit report for 25 months. I have reached out to each of these banks separately and have had little success getting them to remove the inquiry. XXXX XXXX was the only bank where I talked to someone in their fraud department and was successful in having this removed from my credit. They informed me it would be removed within 60-90 days. 

I have had a freeze on each of the three credit bureaus since XX/XX/year> but I had to remove my freeze with XXXX for 1 week for a cable company to run a soft credit on my account. Since this issue, my account with XXXX is frozen once again. 

The dates for each Bank and their request are below. 
Thank you! 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX- XX/XX/year> JMCB- XX/XX/year> XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Transunion and XXXX that my social security number has been compromised, and I am a victim of identity theft. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts posted on my credit reports. Below are the fraudulent accounts that should be immediately removed : ACCOUNT NAME AMOUNT DATE OPENED XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  acct XXXX {$1900.00} XX/XX/XXXX
Product: Checking or savings account

I was struggling financially due to having to take some time off of work for personal medical issues. I had just under enough in my checking account to pay for my car insurance in XX/XX/XXXX. This did however cause my account to become overdrawn, resulting in a {$25.00} NSF fee, which I have no issues paying. However, since then, several other charges which I did not authorize were attempted on my account, some multiple times, resulting in approximately {$400.00} or so in NSF fees. I have not had a lot of time to manage this account due to my grandmother having been on XXXX, and eventually XXXX in XX/XX/XXXX, but have received dozens of letters regarding fees, and BECU threatening to charge interest on these fees, which I never agreed to. In addition, the constant negative balance on my account has made it difficult to pay my credit card and personal line of credit. At the time of writing this, I have no issues with bringing the balance to a positive one, but 90 % of the negative balance consists of NSF fees for charges I did not authorize, and I will not pay them. 

I spoke with a representative from BECU who agreed to have her manager call me back, however, it has been several days, and I have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I purchased furniture from XXXX XXXX XXXX XXXX in XXXX, MI and the furniture was financed through XXXX XXXX XXXX   XXXX XXXX. The furniture was delivered to my home on XX/XX/XXXX, but the sofa ( 1 of 2 pieces of the sofa/loveseat set ) could not fit through my doorway. I was given the option to contact and pay an outside source to break the sofa down so that it could be brought in the house. I decided against it and the sofa has been sitting in my garage, brand new, still in the plastic since XX/XX/XXXX. I contacted XXXX XXXX XXXX  in XXXX or XX/XX/XXXX, to let them know that I was being charged every month for furniture that I am unable to use because it didn't fit through my door. I was told that my account would be noted and to reach out to the furniture store to see if they could pick up the items. I was told that if I couldn't have the items removed from my contract and picked up by the furniture store, the items could be recovered by the recovery team at XXXX XXXX XXXX and resolved that way. I reached out to the furniture store and they told me that they are unable to pick up the furniture because they don't have a resale license and if they picked the furniture up and attempted to resell, although the items are brand new, they could get into legal trouble. They also said their system wouldn't allow the items to be returned anyway. I reached back out to XXXX XXXX    XXXX to let them know what the furniture store said in XXXX or XX/XX/XXXX and they told me that the issue would be escalated and someone would reach out to me. I've called XXXX XXXX XXXX 4-6 times between XXXX and XX/XX/XXXX about having the items picked up but I have never been able to speak with anyone in the escalation department, a supervisor, or anyone in the recovery department. In the midst of trying to resolve the issue, I was affected by the Covid-19 pandemic, which they were aware of and I was told that my account would be noted for that as well. However, since I have been attempting to contact XXXX XXXX XXXX and waiting on a call back to resolve the issue, they are negatively reporting to Experian that I am past due on my account 60 days, owing {$4700.00}. This issue could've been resolved before it was reported negatively, but I refuse to pay for items that I don't have, especially when I have received no help after months of trying to resolve the issue with XXXX XXXX XXXX
Product: Mortgage

XXXX, XXXX successfully accepted and applied all payments made on XX/XX/XXXX, through XX/XX/XXXX. I have attached the full payment history to date on this recently closed mortgage loan. The payment history reflects my payments made on XX/XX/XXXX but applied on XX/XX/XXXX through XX/XX/XXXX. I intended to pay ahead until I catch up to being half a year in advance of my mortgage payments, while also paying more on principal each month. Unfortunately, that same day it looks like they reversed some payments but misapplied them on the second round. On XX/XX/XXXX at XXXXXXXX XXXX they sent an email that looked spammy/phishing alerting me that my loan was past due. I am anxious that this will reflect negatively on my payments on time section of my credit report and put me at risk of default and foreclosure on my home. My desired resolution is for them to adjust this payment misapplication and error immediately given the severity of financial harm to me if they do not. I would also like for them to take corrective action and establish a permanent fix for the tech they are using to apply payments. I made payments on XX/XX/15, but they weren't applied until the XXXX. This could also harm someone's credit. Please work with this mortgage servicer to ensure they are not intentionally attempting to harm consumers via mortgage servicing late fees due to misapplication of payments.
Product: Credit reporting or other personal consumer reports

Bank Of America XXXX XXXX XXXX XXXX, FL XXXX Re : Disputing errors on credit report Dear Bank of America I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : The report shows the above customer currently owes {$37.00} to your company. Be advised this account was resolved with full payment and closed at its initial date of delinquency, reflecting that the account was closed before said date. The card was deactivated once the account was paid in full and closed by me, the account holder, and Bank of America. Please urgently remove this from my account. Thank you in advance. 

Dispute Legal I request immediate action to remove this information under 18 U.S. Code 35, imparting or conveying false information against a person or entity. Please remove this as soon as possible. Thank you again.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorize these companies to run my credit. Please remove it immediately.
Product: Debt or credit management

I ran into a XXXX XXXX misfortune and reached out to help from my mortgage company US Bank for help and to notify them. I was led to believe that I was in mortgage warbearance until the problem resolved. Once the problem resolved and I was able to resume payments my credit was slashed and reported late 180 days when that was not the case. I was told that the forbearance was approved but never that once I resumed payments and got out of the financial difficulty that I will be reported as paying late all that time. I would have went a different route. I am now suffering with incorrect reporting of 180 days late which is unacceptable it looks horrible now on my mortgage record. No one can explain to me why this wasn't told in the beginning. I would like the 180 days late removed as I have resumed my responsibility on this loan forbearance.
Product: Debt collection

We desperately need your help to address and correct serious issues and continued illegal activities perpetrated by Tenet Healthcare Corporation and its subsidiaries to perpetuate a subterfuge of sham corporations to commit fraud, violating consumer rights in defiance and wilful non-compliance with the consent orde r ( File No .  XXXX  ), the Dodd-Frank Act of  XXXX , the Deceptive Trade Practices Act, The Fair Debt Collection Practices Act, and The Fair Credit Reporting Act.  <P/> Across  the US, Tenet to Syndicated Office Systems LLC continues to blatantly violate consumer rights, impacting families like mine, hurtin g us financially, stealing my time with my family, intentionally inflicting emotional stress, and impacting my husband 's health.  <P/> Since  XXXX , we se nt 5 le tters (  XXXX   XXXX   XXXX  ;  XXXX   XXXX   XXXX  ;  XXXX   XXXX   XXXX  ;  XXXX   XXXX   XXXX  ; and  XXXX   XXXX   XXXX  ) requesting signature validation that they ignored and still ignore and avoid-hiding behind attorneys and legal maneuvers.  <P/> Additionally, the account they never validated was even duplicated as another account.  <P/> When we were trying to secure a mortgage, m y credit score be cause of the accounts they refused to validate was impacted, and we will now pay for the next 28 years-this will cost us more.  <P/> Ignoring the consent order to take affirmative action and act in " Good Faith '' Tenet through Syndicated Office Systems LLC still persist in hurting my family, appealing the suit we won in a lower court.  <P/> We respectfully ask that you intervene and end this overt campaign of defiance just because they can.  <P/> Please contact  XXXX   XXXX  the CEO of Tenet Healthcare Corporation to end this all.   Opposing Counsel is Attorney  XXXX   XXXX   XXXX , and she can be contacted at (  XXXX  )  XXXX  or emailed at  XXXX  XXXX  XXXX  From doing all the research, Tenet runs this subterfuge across more th an 20  states, and I have all the documents to prove that this entire organization is a hollow shell of sham companies that continues to deny that they are one and the same. I ask for a full investigation, and I can and will assist at your request.
Product: Vehicle loan or lease

I purchased a vehicle from Infiniti of XXXX XXXX on XX/XX/XXXX. I purchased the vehicle new as stated on my contract and MV1 Title application. On XX/XX/XXXX I tried to trade my vehicle in and was informed the value of the vehicle was diminished because it had damage reported to the XXXX on XX/XX/XXXX. I was not informed of any damage at the time of purchase and according to the PA New Car Damage Disclosure Act, It was mandatory that the dealership have me sign off on any damage at purchase. I attempted to reach out to the dealership and give them the opportunity to make it right. XXXX the General Sales Manager said that they " had a new finance manager and mistakes happen ''. He offered me {$34000.00} as a trade in value. That is not acceptable to me. I did not go into the transaction purchasing a damaged vehicle. I purchased a new car with no damage, or so i thought. I would like the dealer to pay off my car ( approx {$29000.00} ) plus return to me my down payment ( cash and trade in value {$19000.00} ). I tried working with the customer advocasy department at Infiniti Finanacial since they funded a deal on a new car with damage and no signed XXXX report disclosing the damage. I contacted them on XX/XX/XXXX and on XX/XX/XXXX XXXX contacted me back to let me know she heard back from the dealer and they arent willing to do more than the {$34000.00} ( under Manheim Market Value ) XXXX XXXX offered to do on XX/XX/XXXX. This dealer broke PA state law, mislead me into thinking this was an undamaged vehicle and now wants to make more $ on me for their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email alert sent by XXXX XXXX that I have a new inquiry on my Experian credit report. I have not contacted anyone or any business that has the right to pull my credit report in the past days or months. As such, I have not given authorization to anyone to make an inquiry on my credit report. I called XXXX and they transferred me to Experian and they said they can't remove the inquiry on my file. This is an unauthorized inquiry that I am reporting and they will not do anything to help me at all.
Product: Credit reporting or other personal consumer reports

I am writing concerning my credit report, which contains inaccuracies requiring your attention. Specifically, I dispute this account : The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in this account from their records due to identified errors. I am perplexed as to how your agency has verified this account while the other bureaus has updated it. Therefore, I request that you correct this account in my credit file as this is inaccurate, erroneous, incomplete, or unverifiable. 
XXXX XXXX XXXX XXXX
Product: Student loan

Dear Sir/Maam Subject : To look seriously into the harm caused to my life, by this huge student loan, which supposedly meant to help, not harm! 
When I graduated from XXXX college of XXXX, I didnt know life will become such a mess, even after working exceptionally hard for years, without vacations .My Navient student loan has only increased ( {$140000.00} ), not decreased! the interest keeps adding up. 
I have worked on Saturdays, even Sundays in my first yr, treated patients sent away by other drs, was paid much lesser than a male colleague, drove in snow storms, tolerated discrimination at workplacebut never stopped working since I graduated, just because I always had the huge burden of student loan. 
i also accept Medicaid patients all the time, which very few drs accept.i have worked in rural area for yrs now, so poor patients dont have to drive far to nearby cities. 
I am also head of household, which has made life even harder.Everytime I went to apply for house loan, or business loan, my application was rejected due to this student loan. 
so, I kept wasting money towards house rent for yrs.and everytime, I had to move, it was expensive, & I had to startover again & again. 
i also kept working at much much lesser salary, than what I could have made, as a business owner. 
Since, I could not get a business loan, to startup business in a good location, I invested whatever personal savings I had, into a very small business venture in XXXX. Which didnt workout, due to wrong location of business. Finally, I ended up doing bankruptcy in XXXX, which did include the Navient student loan.but this loan was never discharged? and I am still struggling because of this. this student loan totally ruined me from growing financially, for years now! 
I dont have any late payments in my credit history, but it was the this huge Navient student loan, that stopped me from progressing towards a better life for myself, and my family.its been very depressing and frustrating journey.it has left me unprepared for retirement, or without any significant savings at this age. 
So, this loan didnt help me at all.infact, it only ruined me financially, emotionally, and socially. Because, I didnt even own a house till XXXX.This loan is still at {$140000.00}, the interest keeps adding up. 
I have already struggled my entire golden years, trying to pay it back. I dont know what else to say.what more can I do, or how much more can I suffer? what else Navient wants from me? to me, it a mean organisation, ruining lives of young professionals, who could have achieved much more, and given back so much more. 
I humbly request you help me get this loan forgiven /writtenoff.i have no other choice. I tried very hard. 

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

I need an inquiry removed from this credit report. I believe the creditor is violation of 15 U.S.C 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.
Product: Debt collection

Please be advised this is among one of the many items i have disputed with Experian where i have repeatedly have asked for debt validation " a signed consumer contract '' to be more precise. Instead of having some sort of resolution to all this, i have the collection agency that is fraudently reporting come back on CFPB with a copy of my social and drivers license that i sent to " EXPERIAN '' not the collection agency. Why would Experian release my drivers license and social to a company that was strictly only for Experian and which i have been stating over and over is reporting an account that isnt valid at all. Please advise why? who gave Experian permission to send/share my personal documents? 

see attached the the documents i received from XXXX with my personal documents which was included in there response to a complaint i filed on CFPB.
Product: Student loan

I have been with XXXX XXXX that changed their name to Navient since XXXX. After I graduated from college my income was {$30000.00} a year I was not able to pay back my loans I ask if make a payment plan and pay the interest. The payment was XXXX a month in XXXX I return for my second degree I decide to still pay my student loan payment while in school. After I graduated my monthly payment in crease to XXXX a month to XXXX. Than I was approved for the XXXX so it was XXXX a month then it in crease to XXXX my income did not increase drastically I was still making low income salary XXXX {$230.00} I was not approved for the deferment and I had to go through XXXX especially during pandemic that it increase to {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the bureaus a letter on XX/XX/2021 ( more than 30days ago ) stating that the account listed on my report was inaccurate. I sent a letter confirming that as well from the creditor. 

1. The following account is not mine XXXX XXXX XXXX. XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was compromised in 2017 ; I have successfully called all accounts that did inquiries or opened accounts in my name during the time period in question, and Walmart is the only one who refuses to remove the inquiry from my credit report. Their reasoning is that I can not verify the information used to apply for the walmart credit card that someone else applied for using my social security number ; it's a bit difficult to do that when I have no idea who was using my social security number or what address they used to apply for the account. I would like for this inquiry to be removed from my credit report.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, 60 days XX/XX/XXXX, 90 daysXX/XX/XXXX, 120 days XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.