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

On XXXX I Checked all three Credit Reports from XXXX, Transunion XXXX Online at XXXX I noticed several fraudulent Accounts, Names, Addresses and Phone Numbers, someone apparently obtained my personal info and used it to open fraudulent credit accounts in my name! 
XXXX Accounts : XXXX. XXXX XXXXXXXX XXXX XXXX. Acct XXXX Opened XXXX XXXX. XXXX XXXX XXXX Opened XXXX XXXX. XXXX XXXX. XXXX XXXX Acct XXXX Opened Unknown XXXX. XXXX XXXX XXXX Acct XXXX Opened XXXX XXXX. XXXX XXXX  Acct XXXX Opened 2018 XXXX. XXXX Acct XXXX Opened Unknown Fraudulent Names : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX Fraudulent Phone XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Fraudulent Employment Names : XXXX. NJ XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all unauthorized information on my credit report with Experian. checking my file ive noticed alot of invalid information that is hindering my file.
Product: Student loan

I received a letter from Navient dated XX/XX/2022. Navient is telling me to avoid FEDERAL loan default, although, I made numerous attempts to clear miscommunications. 
They continue to make untruthful statements about my character and following the XXXX  process. The emails keep stating I am being unresponsive. 
Please Reference Consumer Financial Protection Bureau ID XXXX with Navient Receipt of Concern Case XXXX. 
My Navient Logged Web Account System Receipt for the uploaded complimentary copy of the complaint and already approved studentaid.gov XXXX, not due to be recertified for income until XX/XX/2022, with my web account logged into, dates XX/XX/2022 at XXXX. It provided confirmation on my image snapshot Upload Successful. 
I am writing this complaint to avoid FEDERAL LOAN DEFAULT, and gain support to have Navient honor the studentaid.gov XXXX, already filled out and approved, due to be recertified XX/XX/2022. 

Attempted to speak to Navient XXXX on XX/XX/2022, XXXX Navient XXXX XXXX XX/XX/2022, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized accounts on my credit reports
Product: Mortgage

There is two current issues with this XXXX XXXX mortagage company. First there are reporting I owe them XXXX to the credit bureaus I do not owe them this amount I owe less. This has affected my credit. Second issue is they are trying to force escrows on my mortgage account and trying to charge me for taxes that I already paid myself I sent them the receipt.This is predatory lending practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance Owed : {$1300.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$680.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$190.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXXXXXX XXXX XXXX XXXX and XXXX XX/XX/year> XX/XX/year> Please delete both these off my name! 

Deletion from Credit Report : To Remove Account To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. The reason these items should be deleted are indicated below. 

Item/Account Info or # as listed on Report : Reason for Deletion : According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit report within 30 days. In the interim, these items should be noted on my credit record as in dispute I am also requesting the names, addresses and telephone numbers of all individuals you can contact during your investigation so that I may follow up. 
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 UCS 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report. Which should be sent to the address below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
If you have any questions or need additional information please contact me at : Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/2022 I was approved for the loan of {$2000.00}. The interest rate is 160.14 % and as I pay, the loan amount continues to increase and is now totaling {$2600.00} regardless of payments I have made. I was charged every pay day for this loan. I missed payments and it is now with a debt collector who insistently contacts me via phone call as well as email. I have XXXX XXXX children that this is greatly effecting. I have contacted the company multiple times to see how to decrease the loan-and there are no options. The loan balance continues to increase and adversely impact my credit. In my research, the interest rate that they approved me with is intentionally predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a co-lesse for my wife 's car. The due date for this account is the XXXX of each month. We normally pay via website. On XX/XX/XXXX, my wife made a partial payment. On XX/XX/XXXX, we experienced a power outage due to severe weather. She attempted to make the rest of the payment and thought it went through via cellphone data. On XX/XX/XXXX, the payment was registered as 30 days late and reflected on my credit report. I was alerted via a credit monitoring agency. I contacted the creditor. They acknowledged that the payment was now posted on XX/XX/XXXX. We surmise that the remnant payment did not go through due to the WiFi failure during the storm on XX/XX/XXXX. They offered to restore it to " Current '' with the credit bureaus. As a precaution I also filed disputes. On XXXX, the dispute results came back " Current, was 30 days late ''. This registers as derogatory. On XXXX, I called the creditor and spoke with a supervisor. She said that their information is accurate and can not be removed. I asked to speak with manager or director. She said that her level is the last word. We've been longtime customers with a perfect payment history. There should be another review. Also they noted the full payment as late, even though part was paid on XX/XX/XXXX. Their information is not accurate as they claim.
Product: Mortgage

Mr. Cooper. Mortgage is trying to take my home from me. I have paid over 74 % on this home and have been here for over 33 years. 
I was up on all of my payments, but because of Covid and losing income. I stupidly took the " COVID Forbearance '' I now owe immediately, {$23000.00} I've applied and in the ( process/review ) for a relief from CalifRelief fund. and I am XXXX recently also. I do not walk and use a mobility scooter to get around close in town. The doctor office that I just recently got my insurance back ( XXXX XXXX ) is literally behind my house on the main street. I've owned this house or at least have tried to pay for this home for over thirty years. I don't plan to go anywhere. I had an excellent job/career for over 24years before XXXX. Then my life has turned to XXXX because of the so-called economy that has only made the wealthy wealthier! 
Now it's hard to find work sitting in a wheelchair because I couldn't get a XXXX  XXXX because covid closed the hospitals down. Now, I have more than just the hip that is XXXX XXXX XXXX. This is going on to two years. and I have tried since XX/XX/XXXX to contact this company. I wrote many notes on my mortgage portal to Cooper because I can not even get a voicemail. and they have DENIED me twice in the month of XXXX for any help whatsoever. This is Fraud! they are liars and they do not want to help me at all. They just want to kick a women who purchased her home at age XXXX in California only to have the whole system fail her, including the judicial system. 
I obviously have to send a written letter to this company in which is b.s. 
Because They REFUSE to answer any of their 3 phone numbers and the automation is a complete runaround and then they hang up. 
- I had the forbearance from XXXX XXXX XXXX After I agreed to a very EASY button on my billing statement because " They are here to help! '' Really? When, after you kick me to the curb or before? 
Mind you I have been with the company for over 10 years. 
I went to make a voluntary payment a few months later and ALL of my billing and checking information had been deleted. I had to add it all back to make the payment. In which they added immediately to unapplied funds. Since XX/XX/XXXX, my only phone number has received hundreds of companies and people asking if I am selling. But, I have tried to call Mr. Cooper ALL 3 numbers and the agent supposedly working on my case. Called ONCE and 4 minutes later her phone had NO Voicemail box setup. Does this make sense to you??????????? 
At XXXX XXXX  today XX/XX/XXXX. I received a letter at my door from Mr. Cooper oh and as I type this letter. My phone just rang with a man asking to buy my house... 
This is beyond stressful, when you can just " feel '' someone messing with your livelihood
Product: Credit reporting or other personal consumer reports

Formal Complaint Against Experian and/or XXXX XXXX XXXX  for Inaccurate Credit Reporting To Whom It May Concern, I am submitting this complaint against XXXX XXXX XXXX for inaccurate and misleading credit reporting regarding my credit card account The information being reported violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, which requires data furnishers to report only accurate and complete information to the credit bureaus. 

Summary of Violations : 1.Repeated and Improper Charge-Off Reporting : This account was charged off in XX/XX/XXXX. However, XXXX XXXX XXXX has continued to report a charge-off every month since then, including XXXX, XXXX, XXXX, XX/XX/XXXX, and XXXX, XX/XX/XXXX. 
A charge-off is a one-time event and should not be repeatedly reported each month, as this artificially extends the negative impact on my credit report. Another point is that this creditor data is not accurate each of my credit reports has a different date as far as last activity date. However experian fail to do a proper investigation cause more financial damage. 
2.Violation of FCRA Reporting Standards : This practice is considered re-aging the debt, which is illegal under the FCRA.

Under 15 U.S. Code 1681o, XXXX XXXX XXXX  may be liable for negligent noncompliance for failing to report accurate information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself.

Who is going to govern these agencies?

By 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. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

Incorrect Name - XXXX XXXX XXXX  - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

EMPLOYER - XXXX  - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about - Please delete this inaccurate info immediately. 

XXXX XXXX, Experian, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

Dates do not match Amounts are not matching across board All XXXX are not matching Open dates are not matching ect
Product: Student loan

My loans are being serviced by XXXX XXXX. I am apart of the Public Service Loan Forgiveness Plan. They are miscalculating my payments-not counting qualified payments from my employment at XXXX XXXX XXXXXXXX XXXX XXXX and the XXXX XXXX XXXX   where I was/am a XXXX XXXX. Both have been certified as qualifying employers. Yet, they have not counted all my qualifying payments. I called them on the phone and was given no real reason why more than half my payments have not been included in my total from my employment at XXXX and the XXXX XXXX XXXX. In XX/XX/XXXX when I first submitted they came back and told me I had 27 qualifying payments. I was employed at XXXX from XX/XX/XXXX-XX/XX/XXXX and  was making monthly payments at or more to the IBR payment range from while employed there. I understand that only payments after XX/XX/XXXX count towards PSLF plan but they have not counted payments during this timeframe that do count. I left XXXX in XX/XX/XXXX and have been employed by the XXXX XXXX XXXX as a XXXX XXXX ( XXXX XXXX  ) and XXXX XXXX XXXX XXXX worker. I just turned in my certification for XXXX in XX/XX/XXXXand they come back and tell me I only have 78 payments approved total from both employers and extended my final pay off date by years. I have should have 69 payments just from the XX/XX/XXXX. So even with them not fully counting all my payments yet from XXXX, based on them telling me they counted 27 already in XX/XX/XXXX, then I would have at least 96 payments. Whenever I call them they keep extending the time frame that they need to figure out why the payments are not all being counted. I am very concerned that XXXX is mismanaging my account and this will affect my outcome with the PSLF program. It is not fair that I am meeting the requirements and their poor handling of my account is extending my time before I can qualify to write my loans off. Can you please assist me in getting them to review my account appropriately and according to the rules so all my qualifying payments are counted from XXXX XXXX XXXXXXXX XXXX XXXXXXXX and the XXXXXXXX XXXX XXXX. It is very frustrating to hear no real explanation from them regarding why they have miscalculated my account and to keep having their review process extended.
Product: Debt collection

XXXX XXXX is falsely reporting that I have an account with them for the original creditor Cashnetusa. I have no contract nor any business with XXXX XXXX or Casn net USA. There is no account number to this account. I have no verification of me having a debt with any of these listed creditors. It's listed that I have a balance of {$2200.00}. It states that the account is open but it's placed for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting to the credit bureaus that I have a charged off account with a specific amount owed to them, still invalidated, and attempting to collect another amount, over {$1000.00} more through a law firm and this is deceptive and furious collection techniques. Furthermore the balance XXXX is not even showing the exact amount they earlier reported with a difference of XXXX ( XXXX cents ). This needs to stop now! Trying to collect different amounts and this harassment along with is illegal! I will seek an attorney if this XXXX is not removed from my credit files by Tuesday morning XXXX. My rights have been violated and my credit score has been affected and this continues to invoke emotional stress which is affecting my health.
Product: Money transfer, virtual currency, or money service

unauthorized charges thru XXXX. from XXXX, XXXX, XXXX. Filed complaint and gave personal info to fake support service and my data was leaked.
Product: Credit reporting or other personal consumer reports

I recently found out I was a victim of the XXXX XXXX XXXX and my personal information was compromised leading to improper use of my credit report which in return caused incomplete and inaccurate fraudulent information to appear on my consumer reports.
Product: Consumer Loan

XXXX XXXX BANK MADE A HARD INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT. I HAVE NEVER TRYED TO GET A LOAN FOR A CAR
Product: Mortgage

I called XXXX XXXX XXXX XXXX and hit option 4, then 0 to reach an agent. I told the agent I want to speak with a supervisor, XXXX XXXX, who keeps sending me letters about late fees, even though I do not have any delinquent payments. She evaded my question and tried to transfer me to Citizens ' off-shore customer service department. I told her do not do that because they do not speak English as their primary language, easily get flustered, and usually yell and talk over me until I stop speaking, only to repeat the same incorrect information over and over again. She apologized and said she would escalate the concern. I told her that I keep getting letters from Citizens saying I owe them {$100.00} even though I not only pay my monthly interest amount, I also overpay. However, no matter how much I over pay, I still keep getting a letter saying I owe {$100.00}. She said that unless I write on the check that this is for fees they will not apply it and will hold on to the extra money! I then said I have never paid after the 14 day grace period and that I should not be getting fees at all. She says that the date that I pay via check doesn't matter, it's only when Citizens applies the payment that matters, meaning that my payments will ALWAYS be late. She said if I want to avoid this, I would have to keep calling her line every month to pay or give her my routing number. I said no to giving her my routing number because Citizens is notorious for " accidentally '' apply charges every month that I had to call and have removed. She became prickly, repeated what she said earlier about not removing 80 % of the late fees because that's company policy, and said there is nothing else she can do. I hung up.
Product: Debt collection

On XX/XX/XXXX, I noticed that I had a claim on my XXXX health insurance for medical expense that was not mine with a copay of XXXX dollars. I am single and have no one else covered by my medical insurance. I contacted XXXX via chat to report that the claim was made incorrectly. I found out that it was for an emergency room visit on XX/XX/XXXX for XXXX pain. I informed XXXX that on XX/XX/XXXX, I was with my family at my father 's side in his assisted living facility. He passed away the next day, on XX/XX/XXXX. I was not in the hospital nor have I ever been in a hospital for XXXX pain. I thought that the insurance company had taken care of this. I don't recall hearing back from XXXX. I also don't recall ever receiving a bill for the XXXX dollars from a hospital, doctor, etc. I also do not recall receiving any sort of bill from a collections agency until I received XXXX text messages ( XXXX on XX/XX/XXXX and the other on XX/XX/XXXX ) from Central Portfolio Control , Inc. I thought that these messages were something fraudulent, as I was not aware of any outstanding debt and receive many spam/phishing type messages. I pulled a credit report last night, XX/XX/XXXX, as the result of a second financial incident with XXXX bank, and when I did so, I found that there was a collection against my credit. I contacted the company that sent the texts and was told that the collection was for medical billing from a doctor named XXXX XXXX for an appointment on XX/XX/XXXX at XXXX XXXX 's. Because the date was the day before my father died, the issue with XXXX came back to my memory. I obtained the XXXX from that timeframe along with the chat with the agent where I reported the fraud. The collections agent told me that he could not remove the charge until I filed a report with the police and obtained an affidavit of fraud that was to be emailed to XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was XXXX. The 3 credit bureaus must validate these ITEMS in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following ITEMS need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance {$1400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had three late payments on two separate accounts with one company that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have been making my payments on time for the last two years for my accounts with XXXX XXXX. I asked for a Covid Relief one month when it was offered in XX/XX/2021, due to not working during that time. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided. I demand these late payments be updated to on-time to reflect the consistent on-time payments I have made. As, I have been diligent in maintaining a positive payment history and as I stated above. I have not made a late payment in two years going on three. Please investigate. Thank you!