23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

Potential fraud n identity theft from university, while using these loans n me never being enrolled, but the XXXX  semester of XXXX, and Thats all. Wow. Pls look.
Product: Checking or savings account

My Citibank checking and Savings account has been locked on XX/XX/XXXX without any warning! When I called Citibank, after several calls, I was told by their XXXX XXXX XXXX Citibank has been investigating a real estate transaction since XX/XX/XXXX. The transaction according to them involved a real estate transaction in XXXX, an amount of {>= $1,000,000}. Looking through my bank records, that is an amount wired into my account after sales of my house on XXXX XXXX XXXX XXXX XXXX CA on XX/XX/XXXX, the property was initially purchased in XX/XX/XXXX! Citibank was satisfied with the explanation on XX/XX/XXXX and told me on multiple occasions account would be unblocked in 5-7 business days! As of today, my account is still frozen. Ref # of my case is XXXX. Citibank # to call is XXXX. Please help!
Product: Credit reporting or other personal consumer reports

As an active credit user, I currently have several accounts on my credit report, most of which are positive. However, XXXX are negatives. Overall, I have a total of fifty-one accounts that are active and forty-eight are in good standing while XXXX are not. I make all payments on time and as of the third of this month, the information offered was still accurate. The problem is my credit score and despite the outweighs of positive accounts vs negative accounts, plus an account history that dates back to twenty-three years, my credit score is relatively low. My current credit score as reported on XXXX XXXX is XXXX for XXXX and XXXX for XXXX while Experian is reported as XXXX on XXXX credit journey. In my perception a score that fails to display my actual credit standing and one that robs me of lower interest rates or better credit deals. Ideally, a process that forces me to accept prime credit cards and high-interest rates despite my excellent credit history.
Product: Credit card or prepaid card

I have became a victim of identity there The accounts are XXXX XXXX  accounts it was opened on XX/XX/XXXX these are not my accounts And another one was opened on XX/XX/XXXX for the same company XXXX XXXX it was another account that was open Open ExEter finance It was open XX/XX/XXXX These are not my account they were opened up By someone using my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is claiming a XXXX  credit card account in my name has been closed, when in fact it was my deceased cousins account that was closed, I have {$27000.00} of credit for MYcard. My bank XXXX  has verified this! They told is transunion miss information alternately hold my credit score DOWN!
Product: Debt collection

Enhanced recovery placed a new collection account on my credit report. The original account was settled thrust XXXX on XXXX. XXXX telephone number is XXXX address XXXX XXXX XXXX XXXX Nebraska XXXX. Per my credit report the file states closed and paid with a, XXXX balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion has allowed someone to compromize my credit report. Someone has applied for credit using my SS # ending inXXXX. Applying for credit cards and or finianical services to include loans in my name. I am request that all Inquries be removed from my credit file. 
Many I have not authorized or given promission or have a contract with these companies. 
From XX/XX/2020- XXXX. This is Identity Theft at te Highest Level.
Product: Credit card

I cancelled my account with XXXX who's service had been down a good part of the previous billing period on XX/XX/XXXX. XXXX charged my card on the XXXX. I disputed with the credit card company and they denied my claim. The evidence that XXXX sent is blurry and printed with light ink on a light background. It is unreadable. My browsing history shows I modified my account on the XXXX. It also shows a lot of information showing the service had been down for a long time.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has voilated my right 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 602 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

Iam filing a complaint against Navient department of education loan servicing. I have been a student since XX/XX/XXXX, loan repayments are not due until you finish school. Right now Iam under the loan forgiveness program because Iam unable to start making payments. I have called every month for the last 5 years to indicate if I need I am able to make the monthly payment or if an extention is needed but the agent forgot to update my account and now my credit report is showing XXXX derogatoring marks, that is drastically affecting my credit. Navient is reporting that I have XXXX late payments for XX/XX/XXXX, and that is not correct. I have tried contacting them sending them letters to fix and delete the mistake made by their agent and I get no response from them! I have asked them in several occasions to please mail me the copy of my forbidance letter and they never do!! All they send is a summary of the bill.
Product: Debt collection

The debt collector engaged in deceptive, and unfair practices of the FDCPA which is prohibited. They furnished this account that we did not agree upon and did not sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this fair practices. According to FDCPA I'm entitled to {$1000.00} per violation and clearly, they violated my rights.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my credit report. I have NEVER opened or used the following accounts.
Product: Debt collection

Portfolio Recovery is reporting information to consumer reporting agencies without my written consent. No consent is Identity Theft. U.S. Code 1681b
Product: Debt collection

XXXX XXXX XXXX is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, & XXXX. MIDLAND CREDIT MANAGEMENT does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are reporting an open date of XXXX 24,2022 and date of XXXX delinquency as XXXX XXXX, 2021. How can the open date be after the date of delinquency. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023. There are XXXX hard credit inquiries to my credit report. I did not apply for those ones and they are fraudulent activities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX have XXXX XXXX it to XXXX. I confirmed with the lender that the card was not approved. But I believe there has been some leakage of my critical personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced many issues with Ditech who now has my former Green Tree Financial loan. The first issue was a loan I had on a second residence, when the economy turned bad I had asked lender if possibility of rate reduction since I had never missed a payment, I was told only way to reduce anything was for me to miss a few payments before modification could be started.And if I did n't lender would move to repo department for repo process, lender was very aware I had not missed payments prior to me telling them my business was in trouble asking for assistance. In the end I brought a buyer for my home and was told loan would show on credit as paid in full as if I paid it in full. That loan is not reported properly on my credits, and now i find out after a phone conversation on XX/XX/XXXX with Ditech that my current home loan with Ditech Loan # XXXX is reporting past due payments on all credit reports. Ditech told me in XX/XX/XXXX this was fixed and now we find out nothing has been done. I received an email at XXXX XXXX XXXX on XX/XX/XXXXafter my call the previous day stating loan never late, Header on letter says VERIFICATION OF MORGAGE. To date my current home loan has never been late. Due to this issue I am not able to move forward buying my new home. This company is a BULLY and I ask for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report. XX/XX/2020. I've filed several complaints and fraud alerts with XXXX   and an Identity theft report with the FTC about this Fraudulent activity that has occurred. I also recently went to open a business account with XXXX XXXX  and a profile was started already with the number XXXX attached to the profile. This is not my number and this was not my account that was in there system. They also mentioned some charge off accounts pulled from XXXX  XXXX  that I have never heard of. Ask I for proof of authentication and they have yet to provide any. 

My name Is XXXX XXXX. 
XXXX XXXX XXXX XXXX. 

These are addresses that are associated with my credit profile but I never lived there. Nor Has me or any of my relatives. Fraudulent accounts. Attached. 

XXXX XXXX  XXXX  XXXX, FL XXXX Address ID # XXXX ( XXXX  XXXX. Account XXXX XXXX ) Credit card. Not My Account. 
Please Remove. 

XXXX XXXX XXXX  XXXX, WI XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family The adresses as mentioned above are not mine. please remove from my profile as well as any other misinformation attched to these adresses. 

Police reports have been filed as well locally in XXXX ohio. about these matters there of. 

Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to {$3700.00}.
Product: Student loan

I was told there were no alternative options for repayment of my loans when i first graduated with my XXXX degree by several representatives at Navient. I felt like continuing my education was the only option to avoid default. I have now recieved my XXXX degree and asked for manageable payments only to be told, they have to have at leaset XXXX % of my discretionary pay.. this is insanely injust considering my personal situation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an item on my credit report related to a collection account from Wells Fargo ( Account Number : [ insert account number here ] ). According to my records, I fully paid off this debt in XXXXXXXX XXXX XXXX. However, it is still showing as a collection account on my credit report, and I am requesting that it be removed. 

Here are the details of the situation : Debt Paid in Full : I paid the full amount owed to Wells Fargo in XXXX of XXXX, as per the agreement. 
Discrepancy in Reporting : I contacted Wells Fargo to inform them that I had paid off the debt and requested that they update their records and notify the collection agency. Unfortunately, they informed me that they did not receive confirmation of the payment. 
Inability to Contact Collection Agency : I have since attempted to reach the collection agency but have been unsuccessful in making contact. As a result, the collection account is still appearing on my credit report, even though the debt was paid in full. 
Request for Removal : Since the debt has been settled in full and there seems to be a reporting error, I am requesting that you investigate this matter and remove the collection account from my credit report as soon as possible. 
Please let me know if you need any further documentation from me, such as proof of payment, communication records with Wells Fargo, or anything else to assist in resolving this issue. I am eager to have this matter corrected and my credit report updated to reflect the accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

MoneyLion has reported a late payment that was not late, please remove late payment as it is causing me harm
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified in XXXX that I was a co-signer on a student loan and that the loan was not being paid. I advised them that I had never co-signed for a loan and asked them to send me the documents. I made a police report for fraud and with the continued phone calls to get me to pay, I contacted an attorney. After 5 or 6 years of my attorney calling Navient and a lot of money, We were able to get 2 civil judgments in court against Navient advising them that the loan was product of fraud and unenforceable against me. Mt attorney sent Navient a letter informing them of this along with the copy of the 2 court orders/judgements. Navient disregarded the courts judgement and continued to pursue me for collection. I was notified by 6 different collection agencies and each time I advised them to contact my attorney that we had judgements from the court. The calls would stop from one agency and started with another until they finally stopped after a year or so. They still report this on my credit reports. It says I am years and years behind ( Late ) and late to the sum of over {$20000.00}. I filed a dispute with all 3 credit reporting agencies several times, including a copy of the court judgements.. I was told they contacted Navient, they advise its good debt, and it stays on my credit report. Navient has completely ignored the judge and his findings. The credit reporting agencies follow what Navient says and not the court. This has been going on since XXXX. I do not know who else to turn to. I have tried Lawyers and credit repair places trying to get this removed and have spent a great deal of money over the years to no avail. This has prevented me from obtaining credit at most places and purchasing items. I have a clear credit report with the exception of this. I pay my bills and my own student loans. Please find attached the letter from my former attorney that was sent to Navient and the 2 court orders/judgements. ** Please note Step 4 would not let me add XXXX. 
Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in request for a investigation in its been well past 30 days for the hard inquiries thats on my credit report that I did not authorize, and they havent sent me anything stating nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : XXXX XXXX XXXX I have noticed that you have placed an inquiry on my Experian credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an  entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Experian report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; '' *****https : //www.consumerfinance.gov/XXXX*****
Product: Mortgage

I am a single XXXX XXXX mother of XXXX children and have fallenbehind on my first mortgage payments to the XXXX XXXX XXXX XXXX XXXX, Trustee. My loan is serviced by Shellpoint Mortgage Servicing. I haveapplied for a loan modification and have supplied all the necessarydocuments, in some cases several times. I do n't believe that I ambeing treated fairly or that my information is being properly considered. 
I would like your help in get a loan modification so that I can save myhome.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continuously received bills in the mail that i was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. Igot my report back and I was furious with the anount of items on my report that I know do not belong to me. Please remove these items off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT AND SHOULD NOT BE HANDLED AS SUCH. Experian is reporting information on my credit report that Congress has stated is to be excluded. Under The Fair Credit Reporting Act 15 USC 1681a Definitions ; rules of construction Congress has defined Experian as consumer reporting agency and defined me as a consumer. FCRA 15 USC 1681a under the exclusion section number B states any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is to be excluded from a consumer report. Because definitions are important we have to read further in Truth In Lending 15 USC 1602 where the term " credit card '' is defined. The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Congress says Experian does not have the right to put items on my consumer report that are directly or indirectly extensions of credit from my credit card ( my social security card, my license plate, and so on ). Experian is in violation and is civilly liable for these actions. Not only are they reporting such items, but they are defending their right to do so by claiming the items are " verified '' and " accurate '' when they are not. FCRA 15 USC 1681a numbers 3e covers the investigative consumer report saying : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on the consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information is obtained directly from a creditor of the consumer or from the consumer. Again, Experian is in violation and civilly liable of all errors I point out on my Experian credit report.
Product: Credit reporting

I called XXXX on XXXX/XXXX/15 to ask about packages and I specifically instructed the representative not to pull a credit report from any major bureau such as Equifax , XXXX, or XXXX. I found out the next day that a hard pull was done on Equifax. I filed a dispute with both XXXX and Equifax. Equifax says it was an authorized use of my credit report as far as they know. XXXX has a form that I filled out to dispute the inquiry and have not heard back from. On multiple calls with XXXX, nobody has been able to give me an answer as to the status of the investigation. In fact, I have had more than one person explain that a credit check is not necessary and that the representative should have asked for my permission before running a credit check.
Product: Credit card or prepaid card

I have contacted CapitalOne customer service several times in the past several weeks from XX/XX/XXXX to current date. The company mentioned in my last chat session with XXXX XXXX that some customers did receive the end of year statement but I'm just one of the unfortunate that have not. All tax documents are to be completed and mailed by XX/XX/XXXX with mine still not processed or mail.
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Department of EducationXXXX 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 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, 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.