23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This is the second time this has happened. I successfully reapplied for my Income Based Repayment through XXXX, and thought that I was all set to stay on my Income Based Repayment plan. For a reason unbeknownst to me, I have been removed from that plan and told to reapply, and so my accrued interest has been immediately capitalized, and I have been moved to a flat payment where the payment amount is so high and causes a financial hardship. The first time this happened, in XXXX, the customer service representative put me into forbearance and told me that they never received my income documentation that I had sent. It then took Navient 3 months to get me back on the plan ( original complaint filed XXXX XXXX, finally placed on plan in XXXX XXXX ). This time, I have not been able to speak to customer service, and do not want to go into forbearance, so I will have to make this payment while trying to get back on the plan. But I will have had the interest capitalized, which ads to the hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are FRAUDULENT items ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XXXXXXXX XXXX XX/XX/2023 ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Product: Credit card

In XXXX of XXXX I had a credit card. It was a XXXX credit card. It was transferred to Ally bank. Since the day they transferred it Ive had no access to my account I have contacted them about XXXX times to resolve this issue. They tell me there will be someone contacting you. Well Lets just say, no one I mean no one has ever contacted me.They keep lying to me saying they will fix it and never do. I haven't received no statements for my account until XXXX of XXXX. I dont even know how much my bill is every month I have to call them to make a payment. They sent me Ally credit card I activated it. Try to sign up on the website. I cant. Says I dont exist.So I dont know what to do. This company is XXXX!!!!! I'm thinking about getting a XXXX to file a lawsuit against them, If nothing gets done. This is total BS That I have to go through this. Very Stressful.Please help me I cant deal with a company that does nothing but lies to me. I have no documents to show anything because they cant give me any details whatsoever. 
Thank you,
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of a auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX a collection account opened at XXXX Funding on XX/XX/XXXX under the account number XXXX, a charge account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an account opened at XXXXXXXX XXXX on XX/XX/XXXX XXXX the account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the 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 on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

We paid off loan # XXXX with Statebridge Company, LLC in XX/XX/2015. I have still not received notice that it has been paid off. I have called them numerous times in the past and left messages regarding this issue and have not received any phone calls back. At the time of our payoff, Statebridge had messed up the amount owed so badly that I filed a complaint against them. After paying off the loan, I had spoken with a representative regarding this issue and they told me we still owed {$5000.00}. After clarifying that issue, which was very time consuming and involved getting our new lender, The XXXX, involved we received notification from XXXX XXXX of Statebridge that we did not owe anything and the loan had been paid in full. We were informed that we would be receiving notification in the near future. I have never received any notice that this loan had been paid and am concerned about when we try to sell the properties in the future that are on this commercial loan. As mentioned earlier, I have contacted them several times since XX/XX/2015 and my requests go unanswered. I am aware of numerous other complaints against this company and am quite surprised that they are still in business. The loan was in the name of my business XXXX XXXX, XXXX.
Product: Debt collection

Date Assigned XXXX XXXX, XXXX Account Number open Fin Cr Netwk Original Amount Owed {$150.00} that I owe. 

I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. 

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

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I have my Federal student loans serviced through Navient, who requires an annual income recertification to remain in an income-based repayment plan. I resubmitted my documentation in XXXX, yet the lender allowed my plan to expire on XXXX XXXX, which tripled the payment. I contacted Navient, whose representative stated that " they did n't know why my certification was not processed, '' but they did offer to put a forbearance on the account for two months to give time for me to submit a new request to update my plan or reenter my old income based repayment. This will add thousands of dollars of additional interest to the principal. This also happened in XXXX, where I was led to pay {$1400.00} to settle the elevated payment so I could remain current and avoid disqualifying myself for the public sector loan forgiveness program.
Product: Credit reporting, credit repair services, or other personal consumer reports

To be Clear, I have submitted this dispute online to Equifax. I just believe deletion of these at least 3 closed, 0 balance accounts that are over 10 years old will be finally deleted with CFPBs assistance vice my request alone. Accounts should fall off credit reports after 10 years and it is beyond me why Equifax has not been proactive to care for this issue.
Product: Mortgage

Spoke to XXXX XXXX with Rocket Mortgage on XX/XX/2020. She declined my Mortgage application without verifying. My income and expenses were not properly verified and she rejected my application and did not call me back. She has caused damage to my credit and did not verify correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 I requested from XXXX a method of verification of the bankruptcies I disputed and there were two resources that they receive their information from. XXXX XXXX and a Company called XXXX ( XXXX XXXX XXXX XXXX XXXX has no bankruptcies on my consumer report, but XXXX claims to have some information. In the investigation of the method of verification, XXXX contacted me stating that they are a furnisher and provides bankruptcies information to XXXX. I have disputed the information, based on Rule 9037 Privacy Protection for Filings made with the courts. ( a ) Redacting Filing. A Court ONLY ( 1 ) the last four digits of the social security number and tax-payer-identification number ( 2 ) the year of the individual 's birth ( 3 ) the minor 's initials and ( 4 ) the last four digit of the financial-account number. With this Rule 9037 Privacy Protection, there is no way that it can be verified to be mines. This is also a violation against the XXXX reporting standard. XXXX does not have a Permissible Purpose to obtain or transfer personal information to any CRA. Incomplete and unable to verify " Originating Source ''. This has been a hinder in my life and I am standing up to demand my life back. To buy me a home, to have lower interest rates. This is a violation and has been damaging my reputation and also other consumers for years.
Product: Credit reporting or other personal consumer reports

On XXXX I noticed that Experian was reporting a collection on my credit report. I have no knowledge of this charge off with the amount of {$1200.00}. The company that being reported name is XXXX XXXX XXXX  which is collection agency.
Product: Debt collection

XXXX and XXXX XXXX company keeps calling myself and family members multiple times, saying i have a lawsuit againt me from a debt from XXXX XXXX. Which i did have a debt with them in the past. i did payoff that debt and cleared it from my credit report from all 3 credit buerls. So this comoany is saying they tried suphena me many times could not get a hold of me so there are marking it up as a refusal to sign and now they say i have to appear in court. I told this company i have already settled this debt and will report them to the police. They hang up on me at this point or start yelling at me saying there sendind me to court. I have not received anything on the mail or no one has come to my address where i have lived the passed 12 years so im not hard to find. this company is harrasing my family and i. i really would like it to stop
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Attempted to open an account with XXXX, and learned that I was unable to open per Early Warning, Contacted Early Warning, and they have been unable to provided as to why I am not able to open an account. According to the customer service person states the information that was reported was not clear but they are not reporting accurate information, but yet stopping me from opening any type of account by reporting false and inaccurate information.
Product: Credit card or prepaid card

I recieved an email today ( XX/XX/20 ) from " Chase Bank '' claiming that there was missing or incorrect information on my account and that I needed to update it. Clicking on the sender 's name displays an email almost identical to my own. 

I have not clicked the 'update ' link nor done anything with the email itself except forward it to the APWG at the FTC . Please track down the scammers and stop them as people are already stressed enough by the world loosing it's mind this year. 

XXXX XXXX and Happy XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Account name XXXX XXXX  XXXX Account XXXX XXXX
Product: Debt collection

Gurstel Law Firm, with an office in XXXX XXXX, XXXX, has threatened to take me to court over a debt that is now beyond ten years from the original filing. 
I sent a letter clearly and precisely stating Minnesota State Statutes regarding debt collection limitations, but they ignored that. Theyve now claimed theyll take this back to court. 
Im XXXX, due to a major bike wreck. Im living on a limited income. I also deal with XXXX. 
I explained this in my next correspondence, which included a letter of Cease and Desist, which I sent thru the mail with signature confirmation. 

They once again sent a new letter demanding I answer questions for a law suit they claim will go forward. 

They violated the rules set by the State. 

I dont need more stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have notice fraudulent Account Name CITIBANK CBNA Account XXXX XXXX Date opened XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I sent disputes to Experian to investigate the incorrect reporting of a XXXX account ( XXXX ) on my credit. <P/>The most recent communication I had with Experian was through a CFPB complaint I submitted in XXXX. I also submitted a similar complaint with XXXX who had also been reporting this item inaccurately on my credit. <P/>After XXXX initiated an investigation, this account was promptly deleted from my report when it could not be verified as accurate or complete on my credit. I am including an attachment with XXXX  's exact response showing the results of their investigation. <P/>Experian, on the other hand, provided a different response. They stated the following : " Per your previous requests to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree on three occasions. They responded and verified that the disputed information was accurate as reported. The result summaries were sent to you for review on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. '' Experian 's response shows me that my complaint was not even taken into consideration because they reiterated that they had already responded to my dispute on XX/XX/XXXX. It was automatically disregarded as frivolous despite having information that stated and supported otherwise. <P/>The issue is that the account is not even supposed to be reporting on my credit at all. <P/>I do n't understand how this can be possible? How can XXXX and Experian 's investigations yield two different results and outcomes? This does not make sense and only leads me to believe that Experian did not properly my process my dispute when I last sent it to them in XXXX. The original complaint case number for my previous dispute to Experian was XXXX. <P/>I am submitting this complaint because this account needs to be completely deleted from my credit report. If this XXXX account is not deleted, I need a detailed explanation of Experian 's findings and I need a clear response as to why they are getting different information than XXXX for the same dispute.
Product: Debt collection

I am XXXX XXXX a renter at XXXX XXXX XXXX XXXX, CA. XXXX XXXX hasn't lived at XXXX since 3 years ago and she said that she is moving to Oklahoma sometime.So please don't send any more of her bills over here to my step son 's apartment.
Product: Credit reporting or other personal consumer reports

Pursuant to XXXX XXXX XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

ON XX/XX/XXXX I HAD MADE AN ONLINE PURCHASE TO SAK 'S OFF FIFTH AVENUE. 
I WAS CHARGED TO MY SAK 'S CREDIT CARD TWICE, ONCE ON XX/XX/XXXX, THEN AGAIN ON XXXX XXXX. I HAVE TRIED NUMEROUS TIMES, & SPENT OVER 15 HRS. OF MY TIME TRYING TO HAVE THE ISSUE RESOLVED TO NO AVAIL. EVERY TIME I CALL CUSTOMER SERVICE I HAVE OVER AN HOUR WAIT TO GET TO SPEAK WITH A REPRESENTATIVE, I HAVE BEEN DISCONNECTED NUMEROUS TIMES. 
CUSTOMER SERVICE HAS TOLD ME THE ISSUE HAS BEEN RESOLVED OR THE ISSUE WILL BE RESOLVED IN 3-5 BUSINESS DAYS. THE ISSUE HAS NEVER BEEN RESOLVED. 
EVERY TIME I HAD ASKED TO SPEAK WITH A SUPERVISOR ONE WAS NEVER AVAILABLE, EXCEPT FOR THIS LAST TIME. 
THE SUPERVISOR IS XXXX # XXXX WHOM I FINALLY GOT TO SPEAK TO ON XX/XX/XXXX @ XXXX ; XXXX. 

XXXX PROVIDED HIS PERSONAL EMAIL ADDRESS ( XXXXXXXX XXXX XXXXXXXX ),  AND ASSURED ME THE ISSUE WOULD BE REOLVED WITHIN 72 HRS., AND HE WOULD BE SENDING ME A {$10.00} GIFT CARD FOR MY TROUBLES WHICH I NEVER RECEIVED. I HAVE ALSO EMAILED DIRECTOR OF CUSTOMER SERVICE, & THE PRESIDENT OF SAKS TRYING TO GET THIS MATTER CORRECTED.
Product: Checking or savings account

Dear Wells Fargo Bank you are officially informed that your fraud estate embezzlement case currently being investigated by XXXX  XXXX I sent with all supporting documents to sitting Senator XXXX XXXX United States Senate so she can view first hand that her brainchild agency the CFPB is being lied to in official bank documents despite presenting overwhelming evidence of your illegal behavior towards my case and the bank was not held accountable for its actions nor an official investigation was started by the US Government Bureau despite numerous complaints. If the bank is under the impression or was promised that you will get soft handled concerning this case I regret to inform you that is just not going to happen. And this case was also sent to the FBI and the US Justice Department and the Federal Trade Commission. I am coming after this bank with will full Legal force because it's my legal court ordered right XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX We suffered a substantial loss of income. Our first mortgage was modified by way of interest reduction. However, the second proposed literally a XXXX-dollar reduction in payments for which we could not afford. From then until XX/XX/XXXX of this year there has been no communication between us. On XX/XX/XXXX, I reach out to them in order to make arrangement to settle the load as after all the past years we have finally recovered. 
The process started via XXXX Teller ID : XXXX instructing us to submit a loan modification for which we did. I believe the process took the better part of a month before them concluding we were limited to either a short sale or complete loan payoff. 
After reading the entire package I decided to enlist the help of a certified VA HUD consular. At his request, I filled out the necessary third party authorization forms and submitted them to the consular as requested, he, in turn, submitted the signed and submitted them to SLS. 
The HUD consular advised us to resubmit a new request for a loan modification. I attempted to locate the forms on SLS 's website and was unfortunately unable to do so, which resulted in a phone call directly to SLS. At that point, I was advised there would be no need to do so as they already had our information and that is was being reviewed. 
On a correspondence letter dated XX/XX/XXXX SLS stated they were in receipt of our request for assistance and have determined the application was complete as of XX/XX/XXXX and that they were in the process of reviewing, however, today while on the phone with both our consular and XXXX an SLS teller the insisted there was no review in process. Please see attachment number 1. Additionally, it should be noted that SLS denied receipt of the third party authorization on the phone during today 's conference call. I found as you will see in the attachments the process to be confusing with them saying how much they want to help on one hand and giving unreasonable solutions on the other.