23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I spoke to Navent about 6 months ago telling them I was approved for loan forgiveness in 2 ways, ssi and the loan forgiveness program that is pending with the government. My loans are over 20 years old I have been XXXX for all of those years and was finally granted ssi last year. I have been dealing with harassing calls all this time. It's not like the company calls and leaves a message, no they call at XXXX and then XXXX and then XXXX  and so on, then if you don't call them back they call your elderly parents harassing them making them worry there is something wrong, calling me in a panic. I don't want a call ever again from them! I shake when they pop up on my screen. I have nothing to give them, I never have!! They need to chill and wait for the government to dismiss it, it's not my problem anymore when 2 different government agencies say it's not. Call after call just to put my account in good standing for 30 days what a joke! I told them to stop calling me. The last man I spoke to telling this to assured me I wouldn't get anymore calls. 6 months later here we are 3 calls by them before XXXX. That is NOT OK. I have XXXX and other mental health issues and all they do is trigger me into rage. They say there no way to stop the calls... .they have called me 25 times since decmber, 3 of them today. I can't do this any more... I'm sick from it I'm shaking, I can't. Please help me. ( For proof on how bad they trigger me, please pull their recorded audio from today 's " conversation '', XXXX XXXX. I'm not in the right but I just can't anymore ) I'm physically, mentally and visual affected by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate! This is a complaint regarding the investigation done by both the creditor and EXPERIAN. I am representing myself. I am NOT a third party. I have also attached a utility bill and a photo of my social security card for proof of identity. 

XXXX XXXX is reporting XXXX late payments with XXXX and XXXX but XXXX is reporting I have a late payment with Experian. This is a violation and there was NOT a proper investigation done either. 

On XXXX XXXX I submitted a complaint for the account with XXXX XXXX XXXX XXXX XXXX XXXX *Complaint details are attached for proof* According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was accurate but, how is that possible if they did NOT do a proper investigation according to the law? And again, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. Lastly, Experian says the complaint was submitted on the XXXX of XXXX which is FALSE. The complaint was submitted through the CFPB on the XXXX of XXXX
Product: Credit reporting or other personal consumer reports

Failure to delete items that I have been furnished letters of removal for is an egregious injustice. Especially when other agencies have deleted the information.
Product: Credit reporting or other personal consumer reports

I Looked at my report back on XX/XX/XXXX through XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individidual about whom the report relates. These accounts below are not complete and accurate. 
The credit bureaus have not sent me a tracking number or no information regarding these accounts XXXX XXXX XX/XX/XXXX {$270.00} Open date is not reported correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXX XXXX XXXX  {$340.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$360.00} Open date is not reported correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXX. XXXX, XXXX {$1800.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX XXXX  {$5500.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$6500.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$11000.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning inaccuracies on my credit reports, which I have previously disputed with XXXX, TransUnion, and XXXX. Despite my repeated attempts to resolve these issues, I have encountered little to no results and continued financial hardship due to identity theft and credit reporting inaccuracies. I am seeking an urgent resolution and compensation for the damages incurred as a result of these inaccuracies and identity theft. 

I have diligently followed the official dispute process with the credit reporting agencies, providing detailed documentation, and highlighting the items that are not accurate, fraudulent, or related to identity theft. Despite my efforts, my credit reports remain plagued with incorrect information, making it challenging to secure loans, housing, and employment. 

The inaccuracies and the identity theft-related entries have not only tarnished my creditworthiness but have also caused severe financial stress and emotional distress. I have attached copies of the relevant credit reports, highlighting the discrepancies and fraudulent entries, along with the previous dispute correspondence for your reference. 

I respectfully request the following actions be taken to rectify this situation : A thorough investigation into the inaccuracies on my credit reports and the identity theft issues that have not been appropriately addressed. 
Urgent correction and removal of all inaccurate, fraudulent, or identity theft-related items from my credit reports. 
Notification to XXXX, TransUnion, and XXXX to promptly update my credit reports with the corrected and accurate information. 
Compensation for the damages I have suffered due to these inaccuracies and identity theft, including financial losses, emotional distress, and any associated legal fees. 
I am fully aware of the importance of accurate and fair credit reporting, and I believe that the CFPB 's intervention is crucial to ensuring that my credit reports reflect a true and accurate representation of my credit history. 

I kindly request that this matter be addressed with utmost urgency, considering the significant impact it has on my financial well-being. I would appreciate your prompt attention and resolution. Please keep me informed of the progress and outcome of this investigation. 

I am willing to cooperate fully, providing any additional information or documentation necessary to facilitate this dispute and expedite the resolution process. 

Thank you for your prompt attention to this critical issue, and I trust in the CFPB 's commitment to protecting consumers ' rights and ensuring fair and accurate credit reporting.
Product: Credit card or prepaid card

In XX/XX/2021, I paid my Target Red Card balance in full. In XX/XX/2021, I received a notice from XXXX stating that my payment was late 30 days and is now delinquent. I called the creditor and was told that interest had accrued on the card and that two late fees were also applied. Due to a system error, I never received my statement via email and the statement did not show on my account. So I was not aware of any payment due. I called Target that day to resolve this issue. I paid what had accrued to bring my account back to " current '' but the late payment, due to system error, was not removed from my credit. I have disputed this 3 times now and they refuse to remove the 30 day late payment from my credit report because they " reported the missed payment honestly '' and " my statements were sent out on time since. ''
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you 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 alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX, SC XXXXXX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Inquiry : XXXXXX/XX/XXXXXX/XX/XXXX Balance : {$0.00}
Product: Credit reporting

They did not resolve my dispute. 
XXXX XXXX XXXX was included in a bankruptcy in 2008 that was discharged, so I no longer owe it. Additionally, it is showing as charged off, yet they keep adding fees on there and adding it back on as new.
Product: Credit reporting or other personal consumer reports

There was an unauthorized Credit check on my SSN from 2 different Banks on XX/XX/2023. I checked XXXX XXXX and Experian and I do see those inquries on my report. I have not made any of those inquries or made any applications with those banks. Can you please help me fix this. Here are the details : 1. Experian Report : Both XXXX and XXXX XXXX has made an inquiry on my SSN which are unauthorized 2. XXXX : XXXX XXXX has made an inquiry on my SSN which is unauthorized 3. XXXX : XXXX XXXX has made an inquiry on my SSN which is unauthorized Can you please remove these inquries from my report. I am working on freezing my SSN so no more unauthorized inquries are made on my account. 

I received a letter from XXXX stating my application for nwe CCard was rejected ( Attached in the document ). I called XXXX XXXX and looks like there are no account linked with my SSN, so must have been rejected as well.
Product: Credit card or prepaid card

I have been an accountholder with Bank of America for some years now. Last year in 2017 there many unauthorized charges made to my credit card with Bank of America which I was unaware of. I have since continued to make timely monthly payments on the account.
Product: Debt collection

I have disputed this account with XXXX, XXXX and XXXX. I have sent them proof of address for the time that this account was opened fraudulently in my name yet the account keeps coming back verified. The account address, is linked to an address that I have never lived at before. Although I provided them with an expired Driver License ( obtained ) during that time, a voter 's registration card, and bank statement, all with the correct address during the time the account was created, they will not remove the account. The company did send me an some sort of contract showing that the account was opened online, however the address does not match any address I have ever lived at. 

XXXX XXXX XXXX Original creditor XXXX XXXX XXXX
Product: Debt collection

This is in reference to the dispute I have with way point at experian and XXXX. This is a copy of the theft report for you to have on file.
Product: Debt collection

Account is stating incorrectly on credit report stating account as collection while derogatory both at the same time. This is not possible if account is collection it can no longer be derogatory and there should not be late payments reporting. Account was reporting date open as XX/XX/XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX. Date last active reported as XX/XX/XXXX by XXXX XXXX while XXXX reported XX/XX/XXXX. I disputed account asking to verify or delete as I do not recall having this account results came back still incorrect. stating account is open when previously account was call collection with an accurate date less active stating as XX/XX/XXXX by XXXX XXXX XX/XX/XXXX bye XXXX stating that investigation has been completed where I strongly disagree because there is no way that account can be reporting collection and then suddenly they change it to open an account reporting consecutive charge off as if it was some sort of payment method on a dead account I have tried contacting both the creditor and collection agency and Original creditor stated over the phone that they no longer owe this account therefore they couldnt help. I havent had any luck contacting the collection agency. I never received any sort of document stating that the debt belongs to me by neither XXXX XXXX or XXXX account is a total mistake itself no doubt.
Product: Vehicle loan or lease

Long story short Prestige has deliberately falsify information to my account by not crediting payments and adding fees to my account. These are predator lending tactics by increasing the balance of the loan. Example balance was XXXX one month the next month its XXXX The duration of loan was 60 months beginning on XXXX XXXX2013.
there has been a total of 48 payments paid including 2 lump sum payments and attorney fees. Also they never reduced the interest rate as stated in the contract after the first year ... .Prestige is reporting inaccurate balances and misleading information on balance and payoff. I DO NOT OWE XXXX on this loan.
This is disputed by myself and the Bankruptcy Court.
Prestige are steady harassing me about my loan with unwanted phone calls about my loan is 27 days late, and threats .The loan is current and ahead, if they would apply the payments correctly. Prestige needs and give me credits for lump sum payments that were never applied to the principle balances ...
Prestige has very bad history of scamming consumers. Consumer reviews are the worst ever ... This needs to stop!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the accounts on my credit report. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX  XXXX, IL XXXX. I recently received a copy of my consumer report and noticed that some accounts on my report should not be there. As per the Fair Credit Reporting Act ( FCRA ), I demand that the below accounts be deleted from my consumer report immediately. 

Furthermore, I would like to bring your attention to the fact that reporting these accounts is a violation of 15 US Code 1681. 

The following accounts are reporting inaccurately on my credit report : XXXX XXXX XXXX XXXX # XXXX XXXX IL XXXX XXXX Resident type : Apartment complex XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Resident type : Single family XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Apartment complex XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Single family XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Single family XXXX XXXX XXXX XXXX, WI XXXX - Resident type : Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Apartment complex XXXX XXXX XXXX XXXX XXXX, IL XXXX, Additionally Previous Name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Postal Service, United States Postal Service , Post Office Please remove these accounts from my credit report as soon as possible . Notice to Agent is Notice to Principal ; Notice to Principal is Notice to Agent. 

Thank you for your prompt attention to this matter. 

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

I am in the process of applying for a mortgage. A brand new negative entry for a collection account from Midwest Recovery ( orig creditor XXXX, {$2900.00}, XXXX ) has recently been added to my XXXX and XXXX credit reports, approximately 2 weeks after the mortgage application. I have never had an account with XXXX. I have never been contacted by XXXX nor Midwest Recovery, no phone calls, no mail, no emails. This means I've had no recourse to dispute validity directly with them, and so it appears to be in violation of the FCRA. Unfortunately I have no documentation to send with this complaint, because I've never been provided with any information on this account.
Product: Credit reporting or other personal consumer reports

Company has this account without my permission. I asked for validation of this debt and the company did not provide the contract is asked for.
Product: Credit card

In XX/XX/XXXX, while on spirit airlines website, a pop up ad from Bamk of America offering a credit card, a {$100.00} off if {$1000.00} is spent within the first 90 days with the ability of including the ticket being purchased that day toward the {$1000.00}. An additional {$100.00} voucher in the future and XXXX bonus points. I applied for the card and was instantly approved but an error in their system prevented the ticket from being purchased with the card. This was infuriating and effectively negated the entire deal for me, yet I was stuck. Endless calls and attempts to chat with Spirit Airlines as well as Bank of America were unsuccessful and after about a week of utter frustration and finger pointing between Spirit Airlines and Bank of America, I resigned myself to a useless credit card. 

In late XX/XX/XXXX, I decided to make a furniture purchase to at least get the {$100.00} promised by spending {$1000.00}. I achieved this but then, the furniture ended up on back order until XXXX and I cancelled the order. I then canceled the Bank of America/Spirit Airlines card and washed my hands of the entire thing. 

I continued to get statements from Bank of America with a negative {$100.00} balance. I called requesting they stop. The woman I spoke with around the beginning of XX/XX/XXXX told me I would be receiving a check for {$100.00} in the mail. I argued that this shouldnt happen because I had not earned it. The woman told me to just cash the check ; she said I had fulfilled the requirement by spending the {$1000.00}. 

I cashed the check feeling very odd about it, and put it behind me until I received an IRS XXXX XXXX from none other than Bank of America. With dread, I called the phone number on the document and sure enough, it was for cash awards for the {$100.00} as well as {$500.00} for their XXXX bonus points which could only be used with Spirit Airlines. 

This constitutes tax fraud as well as fraud toward consumers. I canceled this card. I did not get {$500.00} in cash or use the bonus points. Nothing from the beginning of this unfortunate ordeal has been honest. How many other consumers fell prey to this pop up ad and it is STILL being offered currently. 

And the final salt in the wound? It increased my tax liability by almost {$300.00} because of the {$600.00} income. 

I have an appointment with Bank of America locally to try to get them to change it but its likely going to be more wasted effort. 

Please make them stop this practice and make them pay their full tax obligations rather than deferring it to unfortunate customers who get scammed.
Product: Mortgage

I have a XXXX XXXX loan service through LoanCare corp. and i have been unable to get them to extend the loan for an additional 90-days as allowed by the CARES ACT. The current forbearance agreement ends on XX/XX/2021. I first reached out to them on XX/XX/XXXX, less than a month before the end of forbearance and i was told that i need to call back the following week. I reached out again on XX/XX/2021 and I was told that it wasn't possible to extend the loan in their system until the following week. So i reached out to them again today XX/XX/XXXX and I was told the same thing to call back again the following week. This sounds like an intentional SCAM by this servicer to rob me of my home via a convoluted, meaningless process to waste time and then place my mortgage in a foreclosure process. THIS SERVICER IS FRAUDULENT. I HAVE NO CONFIDENCE IN THEIR PROCESS ANYMORE. 

I do not have to contact them six times within 30-days of my current forbearance agreement for them to take the requested action of extending the forbearance for the final 90days. Please help against this fraudulent loan servicing company. They are trying to steal my house via a convoluted mechanism to access lawful resources.
Product: Credit reporting, credit repair services, or other personal consumer reports

MOHELA/DEPT OF ED XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2017 an 90 day late was reported on my credit report I was never late on the paid off account listed above, please show me documentation showing proof of transaction showing i was late to support your inaccurate reporting on my account, if you can not supply this, please delete this alleged late payment from my credit report for reasons that it is not a invalid late payment the FCRA allows 30 days for this to be rectified