23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loans were recently transfered to Navient, sometime in early XXXX, from XXXX. From XXXX, to present, my health has been poor and my wealth/income even poorer. As such, I have qualified for IBR-repayment plans of {$0.00} per month for several years now, and with my previous servicer XXXX, submitting IBR paperwork usually required a single phone call and a single email. After I learned the procedure, it took only one yearly email with IBR application and tax return attached. I never had to worry that it would n't be processed correctly or approved or whatever. 

But with Navient this summer, it has been a root canal to try to push my IBR through inch-by-inch. I 've called customer service many times, always diligently asking if there anything more I NEED to do, is there anything more I CAN do, is there something I am doing wrong? The reason I would ask all those questions is Navient never seemed able to know how to process an IBR or sometimes even what an IBR is. This echoes the complaints of the states attorneys general, so I know that I am not alone. I 'm sorry that I did not take detailed notes of all the phones calls and how much time I spent on the phone ( nor how much this cost me as I pay for phone service on a minute-by-minute basis ) but I had no idea how painful this would be when I started. I estimate I have spent 5+ hours on the phone, and another 3-4 hours on the Internet trying to ensure that my IBR would be processed, and it still feels a bit unfinished. 

In addition to profound ignorance of IBR plans, they also have special tricks. Finally my IBR was seemingly completed this week, but even after it was done, Navient 's last trick was to conjure a late fee (! ) that was due to be paid on XXXX XXXX, XXXX. This late fee was allegedly assessed by my previous servicer back in XXXX and XXXX. When I explained that I had months and months and months of emails from XXXX between XXXX and the present that stated that my balance was XXXX, Navient was not capable of receiving those emails, nor were they interested in receiving them, telling me that would have no bearing on their opinion. After I escalated my call with the customer service agents to XXXX XXXX ( this took 45 minutes talking and on hold before an agent told me I could hang up and they would call me back, which they did ). FInally by agent on level XXXX I was promised that a XXXX days process would review my complaint and the agent would REQUEST that the fees be forgiven " as a courtesy. '' Patronization in that aside, this is just another thing for me to put in my date book and double check later to ensure resolution has been reached correctly and if I lose track of time I 'm sure I will get another late fee on XXXX XXXX when that payment is due -- an additional late fee for not paying a fraudulent late fee! 

Thanks for your time. I 'm trying to keep my head above water until Navient is finally shut down by the federal government. This is a fraudulent organization. A strictly zero profit organization ought to service federally-backed student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed Per Equifax this occurred mid-XX/XX/XXXX through XXXX of 2017 I have completed a 90-day fraud alert on my file with the 3 credit reporting agencies, but if my information is compromised the attackers could just wait.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In early XXXX of this year, I reviewed my credit and noticed a delinquent account that does not belong to me. I filed a police report the same day for fraud and impersonation and contacted XXXX XXXX of XXXX the next day and spoke with the manager, XXXX who advised me to come in to complete a fraud affidavit. He asked for personal information over the phone which I didnt feel comfortable providing as Ive never done business with this company and was very alarmed as to how they obtained my information to begin with. I went to XXXX XXXX and completed the Fraud Affidavit certifying that the account they have on record does not belong to me. The manager showed me a copy of a check which was somehow digitally deposited into a XXXXXXXX XXXX account but was completely blank on the back without any endorsements. The manager told me the matter should be resolved in about 14 days and removed from my credit. Ive waited that time and called the manager again and even went back there to be told it will take about 30 days in total. This is unacceptable, as my credit has been drastically affected, my mail and identity compromised and I want a thorough investigation of these companies, XXXX XXXX of XXXX and XXXX so that this doesnt happen to me or anyone else again.
Product: Credit card

A purchase was made in the amount of {$140.00} through XXXX that was never delivered. Dispute resolution was attempted and rejected. A chargeback was refused. Fraud prevention completely refused to help in any way.
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. 

Account Name : XXXX  XXXX  Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Please have this company cease calling my private home phone number. I am not the person named XXXX XXXX that they are looking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following issues with Equifax, XXXX, and XXXX XXXX. I am unable to access and temporarily remove the credit freeze on my accounts so that the Social Security Administration can verify my identity. I have asked that each of the three credit bureaus provide me current passwords to unfreeze my account. Second, I have been told I need to identify myself and have provided the attachments to self-identify. Third, my ultimate purpose is to have the fraudulent XXXX accounts removed from my credit reports. XXXX has forgiven the debt, written off the account, and issued 1099. I filed each with my tax returns. I have repeatedly indicated those accounts are not mine, were never mine, and that I never benefited from those accounts, I repeatedly indicated to XXXX that it was my belief my former spouse fraudulently opened the accounts in my name and if they were used, HE then used the accounts. I never used the accounts. During the course of our marriage, my former husband was XXXX   XXXX  and XXXX, kept hidden accounts, and was plagued by gambling creditors inside and outside the United States. Those days are behind me and I want to move forward with my daughter, buy a home, and be left alone. The XXXX accounts are nearing their 7 year expiration period and I am asking that each of the three credit bureaus remove them from my account. Please provide me an updated credit report from each agency.
Product: Credit card or prepaid card

Comenity Bank closed my XXXX XXXX Credit Card on XX/XX/2020 without pre-notification and without notifying me of the closure after the fact. The reason they gave was inactivity. I was only notified of the closure when I received an alert that my credit score had dropped due to the account closure. I am in the process of selling my home and purchasing a new one and this drop in credit score will severely affect the rate I am able to receive on my next mortgage. 
I spoke with two individuals at XXXX credit agency that told me there is nothing they can do to reverse the adverse impact on my credit score. They are simply on the receiving end of the account closure. 
I then reached out to Comenity Bank. My issue was escalated to senior customer service representative XXXX ( ID # XXXX ). He confirmed that they did not notify me via email or mail before closure or after closure. He also confirmed that there was nothing that they could do to reopen the account or provide anything in writing to me or the credit agencies about this account. I was clear with him that my next step would be to file a complaint with the CFPB.
Product: Debt collection

A 1099c discharge was made to XXXX XXXX ( The original creditor ). Jefferson Capital Systems took over the account claiming the account is charged off for {$920.00}. If this is a certificate of indebtness, that is now considered income and must be removed, I am not sure why this is still on my credit reports according to 15usc 6802. 

XXXX, XXXX, and XXXX are all reporting the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a home. I been analyzing my credit to making sure my debt is truly mines. These hard pulls are not mines at all. I did not authorize these inquires now do I do them. The follow items are what I do not recognize and they are repeatitive : 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I reviewed my consumer report and noticed adverse items being furnished by Genesis Credit Management LLC for alleged debts in the amounts of {$3800.00} & {$1100.00}. As of XX/XX/XXXX, Genesis Credit Management LLC has been notified at the address specified in Exhibit ( A ) of ; the misleading and inaccurate information, my right to refuse to pay such alleged debts and to cease all further communication conveying the inaccurate information. This included but not limited to ; telephone calls, emails or any furnishing of information to the consumer reporting agencies. 

Genesis Credit Management LLC never notified me prior to furnishing the alleged debts or ANY correspondence/communication in regards to the alleged debts. pursuant to sections 814 ( d ) and 817 of the Fair Debt Collection Practices Act ( FDCPA or Act ), 15 U.S.C. 1692l ( d ), 1692o ; title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Genesis Credit Management LLC must cease ANY and ALL collection attempts in regards to the alleged debts mentioned within until Genesis Credit Management LLC sends a copy of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; Congress finds there is abundant evidence of the use of abusive, deceptive and unfair debt collection practices pursuant to 15 U.S.Code 1692. It has been well over 30 days and Genesis Credit Management LLC has strict liability and must comply with all statutes and regulations set forth. Genesis Credit Management LLC has failed to comply and respond to such notice and correspondence. Negligence of the law is no excuse. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, XXXX XXXX XXXX shall be held liable due to Non-compliance. ( 15 usc 1692k ( c ) ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) - Proof of Claim
Product: Mortgage

On XX/XX/year>, XXXX Mortgage, which is my lender. I call to apply for refinancing with equity cash out. I to by the name of XXXX XXXX which is the mortgage consult. We did the application process, answered the questions that ask me about my race and gender. Once we went that process, he tells me that didn't meet the qualifications. I told him that my home is worth more he think and needs to appraise again. He tells me that in order to see my home is worth more that I have get an XXXX. I told that VA paise for it not me. He disagreed with me. I told him that VA paid for it before twice. He gave me his Phone and told that he was going check on and call me back. I never received a phone back. On XXXX XXXX, I can him and got another consult and told that trying to get in contact with. They said they relay the message. Never received the call back. On XX/XX/year>, I called again. They that they will relay the message. Never got a call back. I fill that when fold out that I was XXXX XXXX, he didn't want continue. I you need is call recording where i called the office.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ive tried to call and explain and reason with all XXXX bureaus but they keep updating the incorrect information. Ive mailed equifax, XXXX, and XXXX XXXX dispute letters but havent received any letter or response by mail and its been well over 30 days. These agencies are in violation of 15 U.S.C. 1692G. They were to notify me of this in writing XXXX days prior, I was not.

5 inaccurate accusations of late payments. This is a billing error. Please correct this error immediately. This is misleading/inaccurate information, especially according to 15 usc 1666 , 15 usc 1666b , 12 cfr 1026.13.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because after reviewing my credit report, I am writing to dispute the following bankruptcy and the accounts included. I informed XXXX, Transunion, and XXXX, and XXXX XXXX that furnishers must include consumer identifiers to include proper name, date of birth, social security number, telephone number and address. Also ( see attached ) XXXX XXXX and XXXX is reporting an incorrect social security number of my full file disclosure report. I would also like to know if you held the furnishers of the accounts below accountable to FCRA law, and if so what procedures were used to determine the accuracy and completeness of the disputed information? 
Please provide me the following information for accounts listed below : The name of the person at the credit reporting agency who verified the dispute with the original creditor The documentation that was used to verify the dispute These include : XXXX XXXX Partial and inaccurate account # XXXX ... showing discharged in bankruptcy XXXX XXXX Partial and inaccurate account # XXXX ... Both of these accounts are showing twice with XXXX with two incorrect account balances {$4500.00} and {$3900.00} Invalid Furnisher showing discharged in bankruptcy XXXX XXXX XXXX Showing four incorrect high balances {$5700.00} and {$2900.00}, {$1500.00}, {$3900.00} XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' ( reporting four times ) Incorrect balances {$760.00} {$1100.00} {$300.00} {$970.00} XXXXXXXX XXXX Invalid account number # XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX XXXX showing discharged in bankruptcy " STATUS INCORRECT '' XXXX XXXX  showing discharged in bankruptcy " STATUS INCORRECT ''
Product: Credit reporting or other personal consumer reports

I was wondering why my credit applications are getting denied, to my surprise my credit report has a lot of errors, false and erroneous information. This has caused unimaginable XXXX  and really took a toll on my mental health due to this inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

This account is Identity theft, Discover has been informed multiple times. Discover has misled in regards of the fraud process, documentation proving identity theft was provided and also sent via mailed format. My name is NOT XXXX XXXX, I am NOT and never have been associated to XXXX, my address is NOT XXXX XXXX XXXX XXXX XXXX XXXX I have never been associated to said address. 
This is discrimination and misleading on Discovers part, I am now being harassed my Discover, Representatives have failed to resolve correctly. This is also racism as I am XXXX. I have been more than cooperative, providing every document requested by Discover yet they have not marked this as fraud, leaving the possibility open for whoever stole my social and committed this atrocity to potentially reuse their services, unacceptable. This is Negligent and Discover needs to be stopped.
Product: Prepaid card

On XX/XX/XXXX, My Grandparents gave me and my sister XXXX {$100.00} Gift cards From American Express. Upon attempted use, the cards would not work on any website such as XXXX or XXXX. After many hours of research and attempts on other websites, most the the data I collected pointed to a security change back sometime in XXXX. Unfortunately, the cards are unredeemable rendering them useless to me, and a waste of money for my grandparents.
Product: Debt collection

Ive sent several notices to this company regarding the inaccuracy of this account. I do not owe this debt and Ive disputed it with the credit bureaus as well as this company. They sent a statement with a different balance than what is reporting on my credit report which confuses me even more. Ive also noticed that on my report it showed a payment made way after the account was placed on my report, that is false! I do not owe this company this debt and would like to stop being contacted regarding this account.
Product: Credit reporting, credit repair services, 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has 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 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAMEI am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # 39 ; s. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

Citi Home Equity LN XXXX XXXX XXXX CA XXXX Citi holds 2nd lien position. The short sale was started XX/XX/2016. We have received 1st TD approval on XX/XX/2016. Citi has taken so long to review their file that we have already had to request one extension from the 1st TD. Citi stated the file went to closing negotiations on XX/XX/2016. We have been in contact with Citi and they are still stating they do not have a decision on the file. 

Citi has had ample time to review the file to receive the maximum allowed to a 2nd TD under HAFA guidelines ( XXXX ). The 1st TDs approval letter is now in danger of expiring AGAIN. The homeowner will not be able to receive any relocation funds, since the HAFA program is now expiring. 

At this point Citi will not even respond to us. They continue to transfer the file, ignore our phone calls and emails. This is rather troubling considering the borrower is a XXXX service member.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is some sort of redlining going on in reporting my credit score. Or credit bureau reporting companies such as Transunion are using algorithms that discriminate against XXXX. On XX/XX/2021 my credit score dropped 67 points when I paid off one credit card. The score was around XXXX, and then dropped to the 700s. That is absurd. My credit score dropped 45 points on XX/XX/2021 for paying off my XXXX XXXX and XXXX XXXX  credit cards. XXXX XXXX could not explain the discrepancy, and Transunion is not providing any valid reason either. They just want to keep reporting the huge differences expecting me to accept a nonsensical reason for doing this. They don't care to correct it either.