23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with 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. I told Experian, XXXX, and XXXX to reinvestigate these accounts. I received a 5071C letter from the IRS a few years ago stating that someone tried to file taxes with my identity. I believe that since then this person has been applying for the following accounts that I did not authorize. 

XXXX XXXX : XXXX XXXX XXXX XXXX Account # XXXXXXXX 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
Product: Student loan

In XX/XX/XXXX navient transferred my loans to XXXX. 

Navient verbally gave me the following information but it is not in my account. My concern is they are not being upfront about the 4 years of forbearance/defaults on my account. 

on XX/XX/XXXX at XXXX -poke to XXXX, ( employee id XXXX ), she provided the following information verbally. They are telling me that they transferred my account in XXXX which is not correct. 


XXXX XXXX XXXX school deferment XX/XX/XXXX XXXX XXXX, XXXX XXXX month grace period until XXXX XXXX XXXX 12 month forbearance XX/XX/XXXX XXXX XXXX XXXXpast due status - delinquency XX/XX/XXXX XXXX XXXX school deferment XX/XX/XXXX, XXXX XXXX XXXX XXXX months delinquency XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - delinquency - 1 month XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX, XXXX delinquency XX/XX/XXXX -XXXX  XXXX, XXXX forbearance XX/XX/XXXX XXXX XXXX XXXX delinquency XX/XX/XXXX XXXX XXXX XXXX status XX/XX/XXXX XXXX XXXX XXXX - in school deferment XX/XX/XXXX XXXX XXXX XXXX - delinquency XX/XX/XXXX - XX/XX/XXXX - repayment status -level standard payment ( can not confirm the amount ) XX/XX/XXXX - XX/XX/XXXX - delinquency XX/XX/XXXX XX/XX/XXXX XXXX admin forbearance XX/XX/XXXX XXXX XXXX XXXX - repayment status -standard XX/XX/XXXX XXXX XXXX XXXX - Admin forbearance - applied for consolidation XX/XX/XXXX XXXX NO RECORDS OF IT ( INCOME PAYMENT BASED BUT COULD NOT CONIFRM ) For 4 years i was in and out of forbearance and delinquent accounts, received hits on my credit report and not given any options until i was delinquent for 2 months.. I was never given an opportunity for an income based repayment plan until XXXX when loans were consolidated. Also, i have multiple private loans that were co signed by my father. No one knows how or when they were requested we have tried reaching out to Florida XXXX & XXXX for more information and have not been successful.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Wrong Personal Information : Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX, NJ XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit card or prepaid card

I HAVE BEEN ASKING FOR A REFUND OF MY CREDIT BALANCE SINCE XX/XX/20. UBS CLAIMS TO HAVE SENT CHECKS BUT CAN NOT PROVIDE CHECK NUMBERS AND I HAVE NEVER RECEIVED A CREDIT BALANCE REFUND AS PROMISED. ASSOCIATES ARE POWERLESS TO SOLVE MY PROBLEM AND DO NOT CARE. THEY MAKE NO ATTEMPT WHATSOEVER TO TAKE INITIATIVE TO FIND OUT WHERE MY REFUND IS. SUPERVISOR ARE NOT AVAILABLE AND DO NOT RETURN CALLS. UBS CUSTOMER SERVICE IS ABHORRENT!
Product: Debt collection

To Whom It May Concern : This letter is in response to your recent claim regarding the above-mentioned account, which you claim {$740.00}. 
By not replying in a timely manner to my initial letter on XX/XX/2024, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response now that I have informed you of your legal obligation to respond to my initial dispute that went unanswered. 
I am reminding you that I stated the following in my initial dispute : I am requesting validation ; that is competent evidence showing that I have ( or ever had ) some contractual obligation to pay you. 
This erroneous entry is detrimental to my credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or documentation, I may pursue enforcement of my rights. 
My contact information is as follows : P.S. If needed, I will also provide a copy of this letter to the organizations below : Cc : Consumer Financial Protection Bureau, Cc : Attorney General 's Office XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

someone got into my citibank account in XX/XX/2022, citi bank froze my account then eventually closed it. i let them know that the address they had on file was not my address anymore, a representative told me that he was able to go in and change it to my new address. once the account was closed they sent out a check of {$870.00} from the funds that i had left in my account, the thing is they sent it to my old address when i had already told them that i didn't live there anymore and the representative told me that he changed it on his end. i went to my old apartment to see if the people living there now had my package. they didn't answer the door so i left a note with my phone number, i never heard back from them. i then contacted XXXX to see if they had my package they told me they didn't and there was nothing that they could do about it. the next step i took was contacting citi bank again to let them know they sent it to the wrong address and that i didn't receive my check. they told me that they would sent another check out to the correct address. i've talked to multi able agents and they all have a different story each time i call. i was told that i then needed to mail out a copy of my photo id and a utility bill with my name and my new address, i mailed the information out to them twice and i still haven't receive my check we are now in XXXX, i'm currently XXXX  and its been stressing me out, it shouldn't be this difficult to receive my money. Every time i ask to speak to a manger or supervisor they told me it's not one available and they an do a call back. i have never received a call back.
Product: Debt collection

Complaint against Jefferson Capitol Systems. They are attempting to collect a very old debt that was already removed from my credit report after XXXX  years. They are aware of this and yet they reported the debt to the credit agencies resulting in my credit score being severely damaged.
Product: Student loan

I received a call from someone claiming to be with student loan forgiveness. I did not provide them any information and hung up. The phone number that called was XXXX.
Product: Money transfer, virtual currency, or money service

Chase bank
XXXX  
XX/XX/XXXX fraudulent charge sent via XXXX  to unknown recipient 

XX/XX/XXXX fraudulent charge sent via XXXX  to unknown recipient
Product: Mortgage

XXXX and XXXX XXXX firm is trying to foreclose on my home. They say they represent XXXX XXXX  as trustee for XXXX XXXX. The master servicer who has the legal rights to the loan has reconveyed the home back to us. Select Portfolio Servicing has ignored the fact that the loan was legally reconveyed. They Hired XXXXXXXX XXXX XXXXXXXX says they represent XXXX XXXX XXXX XXXX Says the don't get involved in these things yet they have no problem letting XXXX us their name on the foreclosure. XXXX XXXX  is involved in an Illegal foreclosure and they have buried their head 's in the Sand. They are aiding and abetting SPS and XXXX in the theft of our home. XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, Utah XXXX phone # XXXX XXXX Fax XXXX XXXX Email : XXXX Select Portfolio Servicing : XXXX Fax : XXXX XXXX They need to stop, the auction is set for XX/XX/22. SPS Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made a full payment in the amount of {$610.00} with First Investors manager XXXX XXXX. The confirmation number is XXXX. First investors refused to report me to the three credit bureaus in the month of XX/XX/XXXX. Most importantly, my payment was made PRIOR TO MY DUE DATE! Needless to say, First Investors is maliciously sabotaging my credit due to their procrastination in reporting. My account should be reported EACH MONTH!! Im not allowed to skip payments. Therefore, First Investors should not be allowed to skip months reporting my payment to ALL THREE CREDIT BUREAUS! The gross misconduct and shenanigans is extremely unprofessional and damaging.
Product: Credit reporting or other personal consumer reports

Discover bank is a fraudulent account and. XXXX to be removed immediately This account wasnt authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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, WA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Balance {$810.00} ; XXXX XXXX & XXXX XXXX : XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX
Product: Checking or savings account

Bank investigating fraud that I reported. Holding my funds with no given time frame for returning them. Not responding to my requests for returning my money even though I supplied them with accurate information regarding my wire transfer which was legal and legitimate. They say they are investigating but I have no idea why as all the information re the wire transfer has been supplied to them. They stopped banking with me but will not return my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your assistance in helping me to remove incorrect information from my credit file. XXXX, Equifax, and XXXX is inaccurately reporting that I was 30 days late in XX/XX/XXXX with XXXX ; Equifax is reporting that I was 30 days late in XX/XX/XXXX and XX/XX/XXXX for XXXX/XXXX and XXXX and XXXX  is reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX for XXXX/XXXX ; XXXX is reporting 30 days late in XX/XX/XXXX for XXXX XXXX. 

Equifax is reporting 2 fraud accounts on my credit file : XXXX and XXXX There are several unauthorized inquiries : 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: Mortgage

Our mortgage was sold to CMC Funding in XX/XX/XXXX. In XXXX I spoke with them regarding interim taxes and was misinformed they would be taking care of them and the misunderstanding was that we had moved into the house in XXXX and now taxes were catching up. I have been calling them since XX/XX/XXXX to pay the taxes. I escalated to a supervisor team XX/XX/XXXX and yet it is the middle of XXXX and they are not paid. We owe $ XXXX and have $ XXXX sitting in an escrow account ( annual taxes estimated to be $ XXXX ). I have called numerous time per week, spoken to supervisors, spoken to the law office who is collecting taxes and CMC still has not paid- we now have late fees, penalties and are are quickly approaching 30 days post being overdue. I am at a complete loss on how to proceed. The company gives me the same generic response that they are waiting on law office and can not proceed. Keep in mind we have been corresponding with them for two months, involved our original settlement company and realtor and we have made very little progress. They say they are waiting for law office to send over information as they can not get ahold of them but yet every time I call the law office they answer. I have confirmed they have the right law office as well as hours of operation. I get no call back from CMC and every time I call I get a different answer- I would estimate I have spoken with 6 different supervisors and at least 20 other employees in the tax department. On XX/XX/XXXX I called and was told there was no need to call back as it was being taken care of. Obviously- this is not the case. When I call, little by little I am told more information such as it took them over 30 days to submit to the law office for the amount of taxes due, by the time they received the paperwork there were late fees so they decided to submit paperwork again to include late fees, they actually only try once/week to get ahold of law office, etc. Im at the point where Im wondering if this is a scam. I dont know how to proceed as when I spoke with them today- they are still blaming law office. Law office told me in XXXX that its a simple process that resolves a redemption form and that it should not take this long or this many attempts to get it paid. In addition I spoke with them again and they assured me there is a rush order form ( can eve completed in 1-2 business days and information can be faxed ) - all things CMC are denying. They are stating its a 7-10 business day process and it can not be done via fax. The law price informed me it is a standard process that every mortgage company does and knows the process. My realtor has advised me to submit a complaint to you guys as she states this is outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX HEY! FIX THIS XXXX NOW! 

Equifax/XXXX/XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XX/XX/XXXX The affected accounts are listed below. 

XXXX XXXX XXXX IN ACCT : XXXX AMT : {$650.00} XXXX XXXX XXXX ACCT : UNKNOWN AMT : {$5500.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

For a month I have been sending messages through the message center to Wells Fargo to close my two checking accounts and savings accounts, that are currently in a balance of XXXX dollars, but the bank has refused to close them to continue charging the monthly maintenance fee of both accounts for having insufficient balance. They charge me {$10.00} a month for each account. I told the bank that I am not in the United States and I have not been able to travel because of the covid but the bank insists that the closing of the accounts must be personal to continue collecting the monthly fee. I can not be forced by the bank to have accounts that I do not want to have.
Product: Money transfer, virtual currency, or money service

funds was sent to me XXXX XX/XX/year> but never received it
Product: Debt collection

I refer to the letter dated XX/XX/2019 from North Shore Agency ( hence after NSA ) suggesting that I owe an outstanding past due balance to XXXX and that NSA is collecting this debt on behalf of XXXX. The letter suggests that I owe an outstanding past due balance of {$130.00} to XXXX. The assigned ID # is XXXX, and the Invoice No. is XXXX. 

I have taken the following actions : -I have contacted XXXX costumer service to confirm that I never owe any outstanding past due balance and that the PO Box located in Pennsylvania that you have provided in your letter is not associated with XXXX  ; -I have examined my credit report and confirmed that this debt does not exist under my name ; -I have also examined my complete annual credit report and confirmed that your agency never attempted to contact my credit bureau to acquire my credit information ; -In light of the above information, I have reason to believe that NSA has fabricated this debt in order to harass me and collect my money.
Product: Checking or savings account

Calls arent returned. USAA bank seems to be infiltrated with fraudulent personnel and have been fined. I am XXXX. I live on my SS. I need help Ive spoken with many people nothing is cohesive. I need my money or I will be XXXX  as my rent is past due. Please help me this is urgent. Thank you.
Product: Student loan

I have a private student loan from Navient. I began paying this loan on XX/XX/XXXX. The original balance due was {$56000.00}. The balance due now is {$53000.00} I have attached my payment history document showing that I have paid a total of {$48000.00} towards this loan since XX/XX/XXXX. My interest rate is 7.75 %. I do n't believe this is being administrated correctly. I feel like I am being taken advantage of and I need help. I have called Navient thousands of times in the past ten years begging for help. Begging for an affordable payment or lower rate and am told time and time again there is nothing they can do. I was unemployed for XXXX recently after losing my job and Navient would n't help me with anything. I was told I ca n't defer or forbear because I did once right after college. I have obtained a new job but am not being paid much and I can not afford this loan anymore. I have fought my whole life to maintain my good credit but I am at my last stand here. If I ca n't get someone to help me with this I will give up and stop paying it. I am a responsible hard working person who made a mistake when I was XXXX taking out student loans. I did n't realize how corrupt it was. I do n't feel it is fair for them to ruin my credit and my life. I 'm XXXX and i was forced to move into my parents house. I have racked up credit card debt because I ca n't afford to live with this loan and my federal loans. I am begging for help with this. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX  XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

XXXX is the email used to submitt documents for relief for finaicial hardship this company claims they havent recived docuemtns in a timely fashion which is inaccurate. i will provide proof that is was sent timely AND this is the second time that this has happened to me and Mr cooper does NOTHING to remedy thier clerical process and records tracking and deny any RESPONSIBILITY after tremendous damage is done. 
point being when this happend XX/XX/XXXX which would have been my first complaint against this company they lost documents and i showed proof that it was submited ONTIME. so enclosed ill show two instances of negligence the prior misrepresentation of the emailed documents they claimed i didnt submit and this last one This happened XX/XX/XXXX ihade until the XX/XX/XXXX to supply documents on the XX/XX/XXXX i wsa denied becasue they said they havent recieved documents. 

WHEN I CHECKED MY ACCOUNT ONLINE THE DOCUMENT WAS SWITCHED initally it said XX/XX/XXXX the one i SAW had the same language but the date CHANGED to XX/XX/XXXX but this one said XX/XX/XXXX??? this was SWTICHED i swear im not going crazy this company is altering docuemtns to for ill intent. even still the doc was SENT TIMELY on the XX/XX/XXXX but as GOD as my witness it said the XX/XX/XXXX this needs to be investigated!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2019, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has made claims to have verified an item on my credit report with XXXX XXXX and the items is not even showing on my consumer report with XXXX XXXX because it has been removed by them because they also could not verify the item. 


I have written confirmation from everyone they have listed on my credit report and on their website as their source used to verify this data and none of which agrees with Experians claims and/or statements. These sources include, The Michigan Bankruptcy Court and XXXX XXXX. I contacted them directly and their responses are attached. 

The item XXXX XXXX XXXX XXXX  XXXX needs to be removed per the FCRA 15 USC S 1681 est seq.