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

YOU ARE BEING NOTIFIED! I am aware that your company is invading my right to privacy and are violating my rights as a federally protected consumer. ( LVN ) is in fact a debt collector as defined in the Fair Debt Collection Practices Act, 15 USC 1692a ( 6 ). The Fair Debt Collection practices Act was put in place to protect me ( the consumer ) against debt collection abuse and Congress has found that companies such as yours are using abusive, deceptive and unfair debt collection practices. Additionally, your company is required by law to exercise your responsibilities with impartiality and respect for my right to privacy regarding credit reporting.

While the law requires your company to report accurate information, the law does not require credit information to be reported by your company and it is a fact that I have a right to privacy.

Pursuant to 15 USC 1692c ( c ), I am notifying your company that I refuse to pay this alleged debt and I demand that you cease communication with XXXX, XXXX, XXXX and cease all unlawful reporting and collection activities. 
Since this account has been marked as a charged off by your company that means that it has been closed, the balance zeroed out, and the account is now worthless and your company is now allowed to claim a deduction on this alleged bad debt.

Communication shall only be in writing to my above listed address.

Please provide me with an audit trail and documentary evidence of the above referenced account which may include but not limited to : The file, ledger, transactional history, any and all accounting documents regarding this account.

Failure to comply with and respond to this Cease and Desist will result in your company being held civilly liable for any damages substained due to your noncompliance with the law
Product: Student loan

After leaving school in 2005 and entering repayment of loans ( both federal and private ) I contacted Navient regarding payment options as the original monthly payment was too high for my current income. Every time since 2005 that I 've contacted them the only option they 've given is forbearance or deferment. They claim that I 'm not eligible for any income based plan to make payments more manageable. Because of this the amount owed has ballooned from {$130000.00} to {$210000.00} with a monthly payment requested of {$1800.00}. My co-signer a couple years ago did set up a payment plan that suddenly they were able to lower the monthly payment to {$480.00} ( after they would not do so for me ). She was told this was for " all loans that Navient currently handled '' which would have included federal, consolidated and private loans. After paying for a year they called to say they would be increasing the payment amount to {$690.00}, a huge jump, which she warned that she could n't afford to pay. Three months after the increase, as she warned, she could no longer make payments. After a year or more of payments from the co-signer the loan amount INCREASED from {$200000.00} to the current {$210000.00}. After I asked them why they said the payment plan was for private loans only. So they had lied and intentionally mislead both myself and the co-signer about " all loans handled by Navient ''. As it stands now my income is {$1600.00} net pay, the monthly payment is {$1800.00} and they are refusing to lower payments or make arrangements. After all honest attempts to begin steady payments on the loan it has reached a point where it is IMPOSSIBLE to repay for either myself or co-signer. Furthermore, we learned from another Navient agent that quote, " the last XXXX applications for loans while in school should have been denied based on our income situation. '' That means XXXX XXXX and then Navient KNOWINGLY approved loans that should have been denied based on income.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> FACTUAL DATA XX/XX/year> XXXX XXXX XX/XX/year> XXXX - XXXX XX/XX/year> 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I contacted Experian about the errors that they are reporting on my credit file. In a detailed letter. I received a letter back that that they did not remove these errors from my credit history. Told them that they have eroded addresses, error employers, and eroded telephone numbers
Product: Debt collection

I have sent 2 separate VALIDATION of debt request, and the company failed to provide the documents I requested. I requested documents in writing with specific instructions, which the company refuses to produce. The company can also not validate the consumers DOB or SS #. I have asked for information which the company must not have and can not provide. If the company does have this information, and can provide it they have refused. I am asking the CFPB to interject here and force the company to produce the documents, validate my ( the consumers ) DOB, SS #, and provide any instrument which clearly shows the consumers signature. I am also asking the company provide COMPETENT proof of the debt in question. In addition I am asking for legal proof the company has the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard pull showed up on my Equifax credit report that I didn't recognize from XX/XX/2017. The company 's name is XXXX/XXXX. It shows up as a personal loan co-signer category. I did not try to co-sign anything inXX/XX/2017
Product: Mortgage

THE LOAN CALCULATIONS DO NOT ADD UP AMOUNT FINANCED {$180000.00} FINANCE CHARGE {$130000.00} TOTAL PAYMENTS {$320000.00} ANNUAL PERCENTAGE RATE 4.389 % TOTAL INTEREST PERCENTAGE 59.192 % IM WRITING ON XXXX/XXXX/2016 IM SUPPOSED TO CLOSE ON XXXX/XXXX/2016 PLEASE HELP ME THANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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: Credit reporting or other personal consumer reports

I was reviewing my credit report and I noticed that there are previous addresses listed that are not my current address and I would like them to be removed. I would like to remove a name. 

I have attached the proper documents displaying my personal information.
Product: Debt collection

Original CreditorXXXX XXXX XXXX The debt collector- XXXX XXXX XXXX XXXX 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX another debt collector contacted me regarding Crown Asset Management who bought the debt from original creditor XXXX. However I received their letter in XXXX!!! But the letter was date XX/XX/XXXX they gave me until XX/XX/XXXX of XXXX to contact them. 
On XX/XX/XXXX I asked them to send me the original creditor information with their name and address of original lender to verify and make sure is it not a scam. I received the requested information on XXXX XXXX. 
After I received the documents I contacted them a very rude person with heavy accent picked up the phone and asked me to pay the full amount and she said if i have been served yet? I was so confused I said I have never received a summon. And she said you can ask your lawyer to contact us. Thinking something is off I called them the next day and ask one of their representative to send me a copy of their agreement with Crown Asset Management to show they were indeed hired by the Crown asset management, as the past year I have been contacted by two other firms- i have legal document to prove it regrading this debt. She said she will send me and asked me if I was served i told her I have not received a summons. she said they tried to serve me but they could not. I asked her I like to talk to the lawyer who drafted the summon. she responded we are debt collector and there is no lawyer. 
XXXX XX/XX/XXXX i received a letter from them asking me if I have a lawyer and then contact them with a proposal or option plan. The letter was dated XX/XX/XXXX! the letter also shows a court file with no city or state or any other information regarding the summon- I contacted them on XX/XX/XXXX to come to an agreement, they were unwilling to come to terms with me and the guy who talk to me asked me to call the original representative I spoke with. i called that representative several time and left her a message but she never called me back. on XX/XX/XXXX i called them again and ask for that representative. very strange the keep transferring me to different people who seems to be disguising their voices and finally the original representative picked up the call and said in addition to your debt you have to pay for our court and lawyer fee! i was shocked to say the least and i told her but i have never received a summon nor any information about it and then she with a very rude and impolite attitude said i told you are going to be summon. at that point I hangup because i didn't appreciate the way they were talking to me and it seems they had no interest to resolve the matter and they want me to default on purpose so they can collect a debt that accumulated interest over time where the original creditor already charged it off this company is using scar tactics to collect an old debt that I already paid a price for because it was keep being sold to another company on numerous occasion and this company only want lump sum money and has no intention of resolving the matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing a complaint against Sterling located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. This company ran a background check for employment with XXXX. Sterling did a background check and reported a XXXX  from 20 years ago in the state of Texas. The Texas Business Code Section 20.05 clearly states that XXXX are not to be reported over 7 years of the XXXX. This reporting led to me not receiving this job. Below you will find that section. 

Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : ( 1 ) a case under Title 11 of the United States Code or under the federal Bankruptcy Act in which the date of entry of the order for relief or the date of adjudication predates the consumer report by more than 10 years ; ( 2 ) a suit or judgment in which the date of entry predates the consumer report by more than seven years or the governing statute of limitations, whichever is longer ; ( 3 ) a tax lien in which the date of payment predates the consumer report by more than seven years ; ( 4 ) a record of arrest, indictment, or conviction of a crime in which the date of disposition, release, or parole predates the consumer report by more than seven years ;
Product: Credit reporting or other personal consumer reports

I put my house in forbearance when the company got my account and i took it out of forbearance in XXXX, the paperwork was finalized and I made my first payment in XXXX. I have been trying to get a home equity loan or a cash out - refinance but XXXX cant because the company marked my payment in XXXX as late on my credit report. Even though, I never had a payment in XXXX. Multiple companies I have spoken to told me that when you take your house out of forbearance there shouldnt have been a late payment. When I spoke to my loan officer about it, they were XXXX  and told me there was nothing they could do about it and it wasnt their problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

The is not Filed by a Credit Repair company and this not filed by 3rd Party.

In Accordance with the Fair Credit Reporting Act XXXX  has violated my rights according to 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 Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : USDOEXXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX  ) Account # XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, of a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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 # ( private case number ) 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: Credit reporting or other personal consumer reports

I am writing to request your assistance in addressing XXXX ongoing refusal to correct inaccurate accounts on my consumer report. On XX/XX/year> ; XX/XX/year> ; and XX/XX/year>, I contacted Experian through both letters and phone calls, requesting that they correct inaccuracies on my report. 

Despite my repeated efforts, Experian continues to disregard my requests and ignore my right to an accurate report. This persistent inaction demonstrates a lack of respect for my rights under the Fair Credit Reporting Act, and it is having a detrimental impact on my financial standing. 

I am seeking the CFPBs intervention to hold Experian accountable and ensure my report is updated to reflect accurate information.
Product: Credit reporting 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 COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX : {$2400.00XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX. According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't 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 unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

My credit and personal information was exposed in the data breach
Product: Mortgage

A title search revealed that a lien for a mortgage held by Flagstar Mortgage Servicing was incorrectly applied to a vacant parcel adjacent to the house associated with the mortgage. On or around XX/XX/year> we submitted an application for a lien release/remediation to Flagstar along with a {$350.00} application fee. All the required documentation was promptly provided to Flagstar as they requested it. We followed up with them repeatedly via email over the next few months to check on the status. Still unresolved after XXXX months had passed, they informed us on XX/XX/year> that they had transferred the mortgage to another servicer. They attempted to deliver the associated documentation for the lien release request to the new servicer, but did not confirm any reasonable coordination with the new servicer regarding my case. Further, I requested a refund of the application fee which they ignored. 

In addition to the {$350.00} application fee paid to Flagstar we paid additional sums to satisfy their requirements for the application : {$150.00} to XXXX party for a new title search {$550.00} to XXXX party for appraisal {$23.00} to XXXX party for copy of recorded mortgage Legal fees ( unknown amount at this time ) for the preparation of the application to include parcel to be released, parcel to be applied, copy of a survey and descriptions. 

In summary, after paying over {$1000.00} to remediate this situation it was never resolved in a span of XXXX months, and Flagstar sold the mortgage backed by a lien on vacant land to another servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a private loan ( Amount {$3500.00} ) with ACS which I got when I started school at University XXXX Arizona ( opened XXXX ). After graduation, a couple things happened. XXXX the Government switched student loan servicers to XXXX XXXX XXXX. I moved out to New York for a job. 
During this time, I never received any notification about this loan being outstanding. I was finally contacted and notified about this loan when it went over to the collection agency. Thankfully, I was able to pay off the whole amount as soon as I found out XXXX Account last active XXXX ) before it went delinquent. 
But on my XXXX XXXX, the report shows XXXX instance of the payment being XXXX days late and XXXX instances of it being XXXX days late. This is inaccurate. It should say XXXX instance of it being XXXX days late. It is not that I had XXXX loans that were XXXX late. It was that XXXX student loan ( which changed servicers ) that was late for more than XXXX days. 
I contacted ACS couple times and they say they can not do anything about the information since the payment was late. I told them that I am not asking them to remove the late payment mark ; I am asking them to show the correct information. My XXXX XXXX is XXXX and I have never had a late payment other than this student loan. Showing XXXX instances of me being XXXX late on a loan has caused trouble for my family and I in terms of housing and transportation ( car ).
Product: Credit card or prepaid card

Chase approved a new Amazon credit card on a purchase through XXXX. They issued a {$4000.00} credit line, and emailed an approval. When I didn't receive the card I called and they transferred me numerous times over numerous days to different departments who stated that they couldn't identify my address. After those attempts I stopped into a branch who helped me get through to the correct department. It was the fraud department who then stated that the account was closed. I couldn't get an explanation. I escalated it to the executive office who then stated that they couldn't approve the card because my balances were too high! This is after they approved it. These are all lies as my credit utilization rate is low at 23 %, and my address is correct as shown on the statement they sent. Now they also opened and closed the account on my credit files, lowering my credit score. How can they legally be allowed to do this? This is consumer fraud. 

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

XX/XX/2020 I TRIED TO CALL TRANS UNION, XXXX, XXXX  AND LET THEM KNOW THAT SOMEONE HAS TRIED TO SUMMIT FRAUDULENT APPLICATIONS IN MY NAME WITHOUT MY CONSENT THEY FAIL TO HONOR MY REQUEST TO REMOVE THE INQUIRES DO TO IDENTITY THEFT I WAS HUNG UP ON AND ALSO COULD NOT UNDERSTAND THE CUST SERV REPS THEY DID NOT SPEAK XXXX THAT WELL
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX  a certified letter on XX/XX/2022 informing them that I was a victim of Identity theft. According to the receipt they received my letter on XX/XX/2022 at XXXX. As of today XX/XX/2022 XXXX XXXX is still trying to collect on a debt that was required due to Identity Theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.

Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). XXXX is making a conscious effort not to follow the FCRA Guidelines and continue to report fraudulent information and XXXX is allowing this to stay on here. I am submitting this complaint as a record to show that XXXX XXXX and XXXX are not following the FCRA in the event I have to take further legal action. I expect this account to be deleted of my credit report IMMEDIATELY when XXXX and XXXX receives this complaint. It has been over XXXX since XXXX XXXX have received my letter. Also XXXX has added the Fraud alert to my file but still has NOT deleted the fraudulent activity that was reported. I will be attaching my police report and a few other documents with this complaint. Also I will be forwarding this complaint to the other Bureaus so they also can be on alert for this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and the rest of there little circle of credit personal tarnish and make sure i can't succeed in life