23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/22 Neighbor ( old address from over a year old ) handed me 3 letters from MCM. Immediently went to website updated contact information for all 3 accounts. There was intake form, I specifically wrote Do not call, contact by mail only, please mail options. XX/XX/22, receive phone call while at work, very odd first ask for me then put me on hold then woman comes on. I have to ask 3 times for them to identify. I state I am at work and can not talk. That evening go to website, chat with representative, specifically ask them to mark accounts as do not call. Chat representative states done. XX/XX/22 receive a phone call from XXXX with MCM, I answer stating you've been given written notice to not call, she asks how do I know who I am calling. I believe the phone number tells you who not to call. Also neighbor hands me 6 letters today, 3 dated XX/XX/22 ( a month after I notified correct address ) and XXXX XX/XX/22. To add further confusion I received a XXXX  yesterday to my correct address yesterday but only one of the accounts. Don't understand why they will not honor written request for no phone calls. Don't understand why they continue to mail to incorrect address after they have been notified. If I connect to the website and enter last 4 of SSN it has my correct address and has had it.
Product: Mortgage

I recently refinanced with XXXX. The mortgage company servicing the loan is Shellpoint Mortgage Servicing XXXX Inc. XXXX months after my re-finance, ShellPoint raised my mortgage from {$1200.00} per month to {$2000.00} due to an " escrow shortage ''. They believe that my school tax had risen from {$3000.00} per year to over {$9000.00}. After contacting them several times and providing clear information about what the school tax actually should be, they still have yet to fix the issue, nor can they provide me with the actual bill that states {$9000.00}. I 'm running out of time before my payment is late this month, but I do n't have {$2000.00} to pay every month for my mortgage. I tried getting this fixed last month and it still has n't been fixed.
Product: Credit reporting or other personal consumer reports

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX Last XXXX Digits of Social Security Number : XXXX Phone Number : XXXX XX/XX/XXXX To Whom It May Concern, Dispute Department I am writing to formally dispute several inaccuracies on my XXXX credit report. Below are the details of my disputes : **Dispute XXXX : ** XXXX Information : ** - **Account Name : ** XXXX XXXX - **Phone Number : ** ( XXXX ) XXXX - **Address : ** XXXX XXXX XXXX, XXXX, DE XXXX - **Account Number : ** XXXX The account and its reported balance do not align with my financial history. I have previously submitted multiple disputes, an identity theft affidavit, a fraud report, and a police report regarding this matter, yet no corrections have been made to date. 

**Dispute XXXX : ** **Account Information : ** - **Account Name : ** XXXX XXXX XXXX **Bank Name : ** XXXX XXXX - **Phone Number : ** ( XXXX ) XXXX - **Address : ** XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Similarly , the account and its balance do not belong to me. This issue also pertains to identity theft and fraud. I have submitted all relevant documentation required for resolution multiple times, but the inaccuracies persist. It is crucial that the incorrect balance on this account is addressed promptly, as I have reported this as a case of identity theft. 

Thank you for your attention to these matters. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX Last XXXX Digits Of Social Security Number : XXXX Phone number : XXXX Dear Dispute Department, I am writing to dispute some information on my XXXX credit report. The following are the details of my dispute : Dispute XXXX : Account Information : Account name : XXXX Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX Account number : XXXX This account and balance do not belong to me. I have already sent numerous disputes, an identity theft affidavit, a fraud report, and a police report regarding this urgent issue, but it has not been corrected yet. 

Dispute XXXX : XXXX XXXX XXXX XXXX Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX These accounts and balances do not belong to me either. This is a case of identity theft/fraud, and I have already submitted all the necessary documents to rectify this issue multiple times. The balance listed on this account is incorrect and needs to be corrected. I have already reported this account as a result of identity theft. 

Thank you for taking the time to look into this matter. 

Sincerely, XXXX XXXX Your Inquiry to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Services
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRIES APPEARING IN MY CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, Bank of The West, XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX has been sent letters and called numerous times about fraudulent activity that has been listed on my credit report. I have asked for verification paperwork and they will sometimes send stuff and sometimes it's limited. Bank of West and XXXX XXXXXXXX XXXX won't even talk about the accounts. Stating they sold them or another company is incharge of the account. I would like to speak to the company that originally stated I have a debt owed. I haven't signed contracts or anything with XXXX XXXX XXXX  or any other company so I don't care if they sold it or not I don't have a contract with them. Also they sent paperwork once but could not produce a signature or video or anything to show that I started the accounts. The US Government was involved in a big case about my information and a few other people who information was stolen. It included our social security cards, drivers license etc. I even had money come up not going into my accounts due to the fraud situations. They was shopping and everything with my work check. I submitted information to the creditors but they still never investigated the incidents but instead stated it was verified. They keep asking for affidavits but if the federal government wasn't able to find the people involved why would I keep doing this. XXXX XXXX XXXX XXXX, Bank of The West, XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX violated the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and the rules and regulations thereunder, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the rules and regulations thereunder, Arkansas General Business Law because they state checks was deposited into my checking account. They are improperly holding me liable for the fraud on a account; failing to delete inaccurate, derogatory information from XXXX report ; and engaging in other misconduct. As a result of their failure to comply with its legal obligations and negative reporting of reporting to XXXX, I was forced to relocate across the country and was effectively forced out of the mainstream banking system. Defendant XXXX violated the FCRA and the rules and regulations thereunder, the Arkansas Fair Credit Reporting Act ( Arkansas General Business Law ) ( AR FCRA ), and state common law, by failing to properly reinvestigate my disputes of inaccurate, derogatory information on my XXXX report and by misreporting and failing to delete inaccurate information on my XXXX report, thus damaging my ability to open a bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account 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 listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I have sent a letter to the credit reporting agencies. XXXX, XXXX, and Experian. 

I have sent letters asking for a reinvestigation of accounts in question on XX/XX/year> in accordance with FTCA Public Law 91-506 requesting validation and information of the individuals they verified the information with. 

I have not received the results of the investigation or if the investigation has even began and has now been over 30 days. I sent a follow up letter via certified mail demand to comply with yet no response. 

The credit companies are not complying with their own policies in a timely manner. 

I ask that they remove the accounts in my letters immediately.
Product: Debt collection

I had my identity stolen back in 2018. A phone account was opened through XXXX in I believe in XXXX of 2018. I have reached out to XXXX numerous of times before they placed the account in Collection. Every debt agency they sell this account to removes it because I have explained to them that this is not my account. They have sold this debt to over 5 different debt collectors! They are refusing to move it even after I filed an Identity Theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Be it Notice to all, I am a consumer pursuant 15 usc 1681 ( a ) ( 4 ) and my federally protected rights have been violated. I have NEVER signed a " contract '' or PROMISSORY NOTE with XXXX XXXX XXXX. I believe them to be a 3rd party debt collector. I DEMAND to see a certificate of indebtedness as pursuant with 18 usc 8 all bills and certificates of indebtedness are the obligation of the federal corporation the United States. I also have NEVER given my written or oral consent for this item to be furnished on my consumer reports as pursuant with 15 usc 1681b. These violations are punishable by fine of {$1000.00} each pursuant 15 usc 1692k. I DEMAND that these items be removed from my consumer report as well as a refund for any funds this company coerced me into false paying them or pay me {$10000.00} for every minute that the alleged debt has been on my consumer report.
Product: Credit reporting, credit repair services, 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. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX Unauthorized Inquiry XXXXXXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX  - Unauthorized Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry 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

The following information is incorrect on my credit report. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX  XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Student loan

I obtained a bar study loan in the amount of {$20000.00} from AES on XX/XX/XXXX with a fifteen year repayment plan. I have been paying on this loan each month for over 16 years. My payments are and have always been auto-drafted from my bank account by AES. According to AES ' records, I have paid {$11000.00} in interest and {$19000.00} in principal, yet AES says I still owe {$7900.00}. Additionally, the AES Tax Statement for the year XXXX shows I paid no interest, which isn't even what AES 's own records show. 

The Loan Details page on AES website states the repayment term is 48 months and the loan will be paid off on XX/XX/XXXX, four years from XXXX of XXXX AES appears to be refinancing the loan with every interest hike and unilaterally extending the repayment term. This allows AES to make more and more interest on this loan. Each time the interest rate increases, my monthly payment increases, so I shouldn't have a long repayment term as a result AES also appears to at the same time capitalizing interest onto the loan balance when I am making payments.

I am not the only person I know dealing with fraudulent application of payments by AES. When you call, you can not get a person who can even understand what you are questioning.
Product: Debt collection

I receive on average 8-10 calls a day from Navient. This is after I 've told them when I 'm going to make a payment towards them. I 've asked them repeatedly to stop calling for reasons of me being at work, and just from the disturbance of having them calling like clock work. This has to be harassment and it 's stressing me, because I 'm not in the greatest position to pay them but I have to endure repeated calls and not to mention the blow my moms phone up as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is the letter sent to EQUIFAX begining of XXXX and they still refuse to respond. 


XX/XX/2020 To : EQUIFAX XXXX. XXXX XXXX XXXX, GA XXXX Re : Not able to access my account/EQUIFAX refusing to verify my identification, and reporting in correct information. Then refusing to allow me to dispute the information saying they can't verify me. 

Im writing this letter because EQUIFAX will not allow me to access my credit file, I have provided all identification information online and over the phone and EQUIFAX claim you can not verify my identity. In addition, Equifax has caused XXXX to close my account because Equifax stated they could not verify my identification provided through the requested form 4506-T XXXX submitted. 

I called and spoke to an Equifax representative on XX/XX/2020 regarding this issue and was told that EQUIFAX doesnt have enough information to verify my identification. This I dont understand knowing that EQUIFAX is taking in and reporting out information on me. The representative said I need to send in a copy of my State ID/Drivers License and Social Security Card. 

I am aware of a breach of information in your system in the past and Im uncomfortable with providing this information, but EQUIFAX is holding my information under hostage, preventing me from getting approval for a of line of credit, impacting my credit score and now XXXX closing my account due to EQUIFAX neglect. 

Attached is a copy of my Drivers License and Social Security Card, as requested. I need access to my EQUIFAX account and I need EQUIFAX to provide the requested information that XXXX asked for so that maybe they will reconsider re-opening my account. 


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

The XXXX and Transunion credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

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

Three of the four credit reporting bureaus have failed to add/update my credit file with my mortgage, even though my lender, XXXX DBA XXXX XXXX, is properly reporting it every 30 days to all 4 bureaus. XXXX, Equifax nor XXXX have added my account with XXXX to my credit file. My mortgage account is appearing properly on my XXXX credit report. XXXX feels that it has done everything legally possible to get my trade line with them reinstated with the credit bureaus to no avail.
Product: Debt collection

I was living in the XXXX XXXX XXXX XXXX XXXX Michigan, and at the time I was visiting my daughter in Florida so I received a call from them stating that I was being evicted because my grandson had a bbq, and smoke got in the building, and the fire department report stated light smoke so upon returning home, i received an eviction notice. Ive lived there for 11 years. I got a letter from the apartment stating that there were damages done to the property, but there are some things that were not true about damages I never damaged the apartment, I also have pictures of my items damaged in my storage unit from a ceiling collapsing. Now Im homeless because of what is on my credit report and I am a XXXX XXXX XXXX with multiple XXXX and XXXX XXXX I need to be in a stable home please respond sincerely, XXXX XXXX!
Product: Student loan

I returned to school in XX/XX/XXXX. At that this time my student loans that are serviced by Navient went into deferment. I continued to make payments every month on my student loans over the amount of the interest, payments were normally around {$450.00} as to make sure that I was saying ahead on them. I called into Navient and was told that my overpayment would be equally applied ( after interest was paid on my unsubsidized loan ) to each of my student loans unsubsidized and subsidized. In XX/XX/XXXX I was reviewing all of my loan documents as I was ready to come of deferment and realized that Navient had only applied the overpayment to the subsidized loan to that they could keep the unsubsidized loan at as high of an amount as possible to collect more interest on it. From XX/XX/XXXX to present I have had to email and request that all overpayment be put toward my unsubsidized loan so I can even out the loan amounts so I am not paying almost three times the interested on one loan over the other. They implemented an online process that asks where you want the overpayment to be allocated to but even after you select between the options they still only put the amount to cover the interested to the unsubsidized loan and the rest to the subsidized loan and I have to email or call in to get it reallocated. As a company they are very dishonest by not doing what the consumer is requesting and even pretending to put in a program that will help with it but still resorting to their old ways.
Product: Checking or savings account

Mentioned over draft fees for Cal Bank Trust checking account Caller ID under Zions Bank Phone number XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies below made inquiries on my credit without my consent. 


XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX/XXXX  Inquiry date XX/XX/XXXX XXXX/XXXX  Inquiry date XX/XX/XXXX XXXX/XXXX  Inquiry date XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of Indentity theft over the years and these are some of the accounts that were fraudulently opened. 

XXXX XXXX XXXX XXXX loan in the amount of {$1100.00}. 

XXXX XXXX XXXX XXXX loan in the amount of {$5600.00}. 

XXXX secured loan XXXX XXXX XXXX collection in the amount of {$1000.00}. 

XXXX XXXX  XXXX collection in the amount of {$240.00}. 

XXXXXXXX XXXX credit card in the amount of {$89.00} XXXX credit card
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I am referred to 15 USC 1692C I am not paying this bill and do not wish any further communication nor it to be reported to the credit bureaus. This is not my account and I only had signing privileges.
Product: Checking or savings account

on XX/XX/XXXX I went to XXXX XXXX In XXXX Wi And got told they Had n one to open accounts there. And That I could open one online. I asked if I opened it on line How long till the funds became available. The said Half the funds would be available rite away and the rest would take a few days. So, I opened the account and Deposited two payroll checks. On XX/XX/XXXX I called chase and was tolled the funds would not de available till midnight. Which was ok cuz I needed Gas For work the next day. Than On XX/XX/XXXX I called back to find out the funds would not be available till XX/XX/XXXX. After A long hold time And 2 Transfers I got them To release the funds. I would have gone to the Bank The pay check was from but they told My mom she would get a {$50.00} referral fee witch she never got. 
I asked to speak to a supervisor but they blew me off.