23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I HAVE BEN STRUGGLING WITH NAVIENT FOR ALMOST 2 YEARS IN TRYING TO GET MY STUDENT LOANS ( FORMERLY XXXX XXXX ) DISCHARGED THROUGH XXXX. 
ALL OF MY FEDERAL STUDENT LOANS HAVE BEEN DISCHARGED SINCE LAST YEAR AND NAVIENT IS VERY UNWILLING TO ASSIST ME, OR DO ANYTHING TO HELP MY FINANCIAL SITUATION. I AM LEGALLY XXXX THROUGH SOCIAL SECURITY AND HAVE A LETTER TO PROVE THAT BUT WHEN I GOT MARRIED IN XX/XX/2016, I LOST MY SSI BECAUSE OF THE MARRIAGE PENALTY ACT. 
CURRENTLY MY BROTHER WHO IS A CO-SIGNER ONLY ON MY LOANS IS STRUGGLING TO MAKE PAYMENTS ON THEM WHILE SOME HAVE DEFAULTED AND HAS CAUSED MY CREDIT TO SUFFER WHICH IS CAUSING ME GREAT STRESS AND XXXX AND EVEN WORSE, MY HEALTH IS DECLINING RAPIDLY DUE TO ALL OF THIS. 
NAVIENT IS UNPROFESSIONAL, UNCARING AND MOST OF THE TIME DOES NOT RESPOND OR RETURN CALLS OR GIVE YOU CORRECT INFORMATION. THEY WANT MY BROTHER TO KEEP PAYING BUT HE CA N'T AFFORD TO AND IS VERY UPSET THAT HE HAS HAD TO PAY SO MUCH IN THE PAST TO SAVE HIS CREDIT. MY XXXX ( XXXX XXXX XXXX- XXXX ) IS ONE OF ONLY 4 LISTED AS COMPASSIONATE FAST TRACK FOR BENEFITS BECAUSE OF ITS SEVERITY AND NAVIENT NEEDS TO ADDRESS MY ISSUES AND DISCHARGE THEM LIKE THE GOVERNMENT DID OVER A YEAR AGO. I CAN SEND MY XXXX LETTER BUT WILL NOT GIVE THEM EVERY PAGE OF MY MEDICAL HISTORY BECAUSE IT IS NONE OF THEIR BUSINESS WHAT I AM XXXX FROM AND IF THE SOCIAL ADMINISTRATION LETTER PROVING I AM XXXX IS N'T ENOUGH FOR THEM I WILL SUE THEM UNTIL I XXXX I AM SO ANGRY WITH THEM. PLEASE HELP.
Product: Payday loan, title loan, or personal loan

took out loan on title of car in XXXX. XXXX paying as agreed for a monthly installment but due to coronavirus and my XXXX  being non essential I am not able to work. I have applied for unemployment and i am also looking for work in an essential business. i also have been XXXX  to someone we believe has XXXX  so i may be XXXX. i have called the TitleMax company and they refuse to defer, postpone or extend the loan. if i dont have a way to be able to legally work, they should be forced to help the consumer. if i lose my car i can not work or look for essential work. 
he next payment isn't due until the XXXX XXXX but they are showing that payment is past due as well.
Product: Credit card or prepaid card

ComenityXXXX allowed me the card of XXXX. I used XXXX of the card and they closed the card themselves. Also the comenity card which was way fair will not work with me. I have became unable to work and have begged them for a hardship program because I have applied for XXXX and they will not help me. I ask them to close the comenity card and theyve not yet done so and Ive paid and paid on this card and not getting anywhere. I read reviews on the XXXX  page and the reviews are bad! I have ask and begged to the point I dont know what to do!
Product: Credit reporting

Hello, Over a month ago I requested my free credit report from Equifax ... .I regularly check my free credit report with XXXX XXXX XXXX but that is not as complete. Equifax consistently refused to even receive my information online, but when I agreed to pay for it they said they would do it for me. I found mistakes, that were minor but could be a problem for me if they are not corrected. Today I found another mistake by Equifax. They are reporting that an account of mine is still open, although it was closed in a chapter XXXX bankruptcy in 2010. This is the third account that they are reporting as open but included in BK. When I tried to dispute it ( tried 3 times ) they told me that the information that I was giving them was incorrect. It absolutely was not incorrect ... .I have all of the backup information. Equifax is consistently difficult to get mistakes corrected, or even get a dispute started. Basically the first problem that I had with them was that I could not get my free credit report ... .but when I offered to pay for it they gave me the report. This time the problem is a XXXX ( which became XXXX XXXX ) was included in a chapter XXXX BK and discharged. Equifax shows it as open. They also show open a XXXX XXXX XXXX Account that was included in the same chapter XXXX, as well as a XXXX Account. 
Thank You XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized inquiries that i have no knowledge of reporting to the credit agencies. i reached out to the companies and none of them would help me with removing the hard inquires off my report even after explaining this is a case of fraud. i did not sign, authorize or have any recognition of doing any legitimate business with any of these companies. 

INQUIRES ON XXXX XXXX : XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX Inquiry : XXXX XXXX, 2022 ALLIANT CU Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX INQUIRES ON XXXXXXXX : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 INQUIRIES ON XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$930.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Company called XXXX. But it bleong to XXXX XXXX when I call there number and they are not helping me
Product: Consumer Loan

On XX/XX/2015, My XXXX child and I purchased a used 2013 Mazda S from XXXX, Colorado XXXX. XXXX had us sign a contract with Chase Bank to finance the vehicle. The contract contained alleged fraudulent entries for options the car already had. I disputed the items and XXXX agreed to issue a new contract. However, the new contract had a different purchase price and initial payment due date than the contract XXXX submitted to Chase Bank. I place a stop payment on the down payment check and contacted Chase immediately. Chase Bank refused to accept Colorado and Federal law regarding the consumer right to know the exact purchase price of a vehicle and the initial payment due date. We tried to work with Chase to remedy the situation, to no avail. I reported the issue to the criminal investigator of the Auto Industry Division of the Colorado Department of Revenue.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the information to be reported on my consumer report. I am requesting that this information be blocked and deleted from my report. My request to block is not made in error ; nor is my request being made on the basis of material mis representation. The identified transactions are copyright infringement as they do not have my consent to use my copyright trademark for any reason. 

XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 

Thank you
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I changed my name from XXXX XXXX credit score over 800 to XXXX XXXX. I contacted XXXX, Experian and XXXX   with the proper court documents with my name change so they could merge my score from XXXX XXXX to XXXX XXXX. They replied and said they would fix it. It has not been fixed my credit history is only covering my new name XXXX XXXX. This happened because I am XXXX and the credit agencies are not reporting my credit history correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to the Collection company trying to get them to validate the debt and they did not respond I sent the letter certified with return receipt they did not reply but at the same time I disputed the item with the credit bureaus and they got a response it doesnt make any sense. The company is national credit systems Account number XXXX National credit systems Account number XXXX based out of XXXX Georgia Address XXXX XXXX  XXXX XXXX XXXX, GA XXXX
Product: Mortgage

I filed a complaint with Consumers Financial Protection Bureau ( case number : XXXX ) on XXXX XXXX, 2016 that I received a letter from my bank, Ditech that they are going to foreclose on my house even though I was working with them on loan modification. CFPB sent me a message that Ditech asked for an extension in responding to the complaint. Before responding to the complaint filed with CFPB and while in the middle of a loan modification, they put my house for sale at an auction and it was sold to XXXX. I really need your help as soon as possible. I want to work with the bank, I do n't even know what to do now. Whenever I call the bank they respond that they do n't understand whats going on and they need more docs for the loam modification. I message was posted on my account after the house was sold that they are looking for XXXX documents.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

On XX/XX/2022 was when my vehicle was broken into and my work items were stolen such as my business phone, I kno I can take the blame for not having a passcode on there but I did have all my bank information in my notes my SSN and etc .. i have proof of the truck the type of phone it was and everything my bank hasnt personally reached out to me with a call or anything dealing with my account so I didnt think nothing of it. I have my own trucking business and have a business bank account with Navy Federal Credit union .. so when I finally get back home after working a week I had mailed waiting on me saying different things about my account suspicious activity? Mobile deposit? knowing it wasnt me I called navy federal as quick as possible and told them everything they immediately told me it might not be anything they can do and I might be responsible to pay back the funds.. I ask them what funds the person that had my log in information mobile deposited a XXXX business check in my business account Im like thats impossible! I havent even worked that much with my business to even pay half of that! I applied for a loan to get everything up and and running and that incident got my account closed my loan closed I still have credit cards I have to pay on navy federal not even trying to investigate not even trying to work with me like I did this problem THIS IS FRAUD THIS WASNT ME I deserve to have another account I never been apart of any fraud I had this account for some years they said they was going to get bk with me but I havent heard anything yet! If I can get another account back open I can at least try to pay something on it but I desperately need my account back I can not lose this privilege payment plans or something
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my records, I was surprised to discover some late payments listed. Despite my efforts to seek clarification, I have not received satisfactory validation or explanation for these late payments. This situation has left me feeling frustrated and uncertain abouthowtoproceed.
Product: Credit reporting or other personal consumer reports

I had my loans transferred from XXXX to XXXX in XXXX of XXXX. My credit reports still indicate that the accounts are still open, though it has not been updated since the transfer. I contacted XXXX XXXX to determine the root cause and if the error could be fixed. XXXX indicated that the transfer was done correctly on their end, and for me to contact XXXX to fix the problem. 
I contacted XXXX XXXX and described the issue and what XXXX informed me and instructed me to do, and XXXX indicated that the acceptance of the loan transfer was executed correctly on XXXX 's end, and XXXX suggested that XXXX erroneously left the accounts open. 
The consequence is that it looks like I have 14 open accounts when I have 7 open accounts, with half the amount due. 
The impact of this artificially inflates the total debts I owe to the credit bureaus, and that any entity that obtains my credit report denies applications because of the faulty information that has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( a ) ( 2 ) Accuracy and fairness of credit reporting XXXX  has thoroughly violated my Consumer rights by Fraudulently reporting an account that was never authorized or consented by me the original Creditor Account NumberXXXX and has reported this account 90 day 's past due and closed as of XX/XX/2021. When asked to conduct an investigation by the fraud specialist with Experian XXXX  and they reported that the account was opened by a phone number and bank account that has been closed and is on the dark web. I then refiled a police report and FTC report regarding the Identity theft and Pursuant 15 U.S. Code 1681c2 - they where to Block all the information resulting from identity theft and willfully refused to do so and has continued almost 8 months later to update and report inaccurate defaming information on my consumer report. Once I send the Cease and Desist letter to them in hopes for them to stop the inaccuracy of reporting they generated an entirely new account stating it opened XX/XX/2021 and closed in XX/XX/XXXX 90 days Account # XXXX which I never consented or extended my credit to validate this debt and they are a willfully violating the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692e, provides, which states that A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. By changing the account number the amount and placing an entire new debt on my consumer file is with my validation is not only illegally criminally but they are 6. Pursuant to 15 U.S. Code 1681 ( n ) ( b ) - Civil liability for willful noncompliance.Civil liability for knowing noncompliance for violating the Federal consumer laws and causing me severe and distressful harm and denial of consumer credit for their inaccuracy and illegal reporting. I am seeking immediate removal from my consumer file all the XXXX Account that are reporting due to their deception and Illegal conduct and expect them to abide by the federal law which grants me the right as the consumer to have fair and accuracy in reporting on my file. The following proof is attached for immediate removal thank you.
Product: Credit card or prepaid card

My card keeps being denied even though there is money in my account. It is nearly impossible to speak to a live person. I lucked up and found a web site that give instructions to beat the automated loop and get to an operator. Took 3 hours but I finally got someone, 1 hour on the phone with them reading scripts and putting me on hold only to end up saying they did not have an answer for me. Ask for supervisor, stayed on hold 2 hours until my phone went dead. I have no way to access the money in my account because the card is denied every time I try to use it. Even if I try to pay online by typing in the numbers. This is my child support and I have bills to pay. The state forces us to get the CS this way yet we have no way to access our money. CRAZY!
Product: Mortgage

We received an unpayable adjustment to mortgage to begin XX/XX/XXXX. Upon investigation on XX/XX/XXXX, we learned the homeowner 's insurance was increased from $ XXXX to {$2300.00} without notification from the insurer and paid. ( We immediately located better pricing with a different company. ) We then examined the annual escrow analysis fully, finding that : the forecasted payments for the prior period were excessively low because NO HOMEOWNERS POLICY PAYMENT was included in the analysis on XX/XX/XXXX. The policy was paid from our insufficiently funded account so the underage was assured. Continuing inspection revealed that our account was never credited the XX/XX/XXXX escrow payment. This detailed month-by-month analysis is shown under 'Actual Payments '. This MISSING ESCROW PAYMENT has deepened the negative value of the 'beginning balance ' relied upon to calculated the next set of mortgage payment amounts. 
We spoke to staff requesting new escrow analysis on XX/XX/XXXX, XXXX, and XXXX. We submitted the request in writing on the Freedom Mortgage website on XX/XX/XXXX. We got a response XX/XX/XXXX, and responded to their comments on XX/XX/XXXX. NO CHANGE IN XX/XX/XXXX PAYMENT and ESCROW PAYMENT NOT ADDRESSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account Name : XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions