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

I co-signed a loan for my son on or about XXXX, XXXX. I believe the amount was for {$16000.00}. Navient last contacted me in writing on XX/XX/XXXX. It was dealing with XXXX, not payment of the loan. The last phone call from Navient to me was on XX/XX/XXXX and indicated no co-payment was due at that time. 

Recently, without contacting me first to discuss the loan, Navient reported to the credit agencies that I was in default on the loan, which was not true.My credit went from good to fair. We intend to move to a new apartment, but the reduction of my credit rating has stalled our move. 

NAVIENT MUST IMMEDIATELY REMOVE THE FALSE CREDIT ALLEGATIONS FROM THE CREDIT BUREAUS ' REPORTS. THEY HAVE LIBELED MY CREDIT AND CAUSED ME DAMAGE. 

Further, this loan is now terminated by the California Statute of Limitations, which is four years. Navient has filed no lawsuit on the loan for more than four years after the last payment on the loan was made, and the loan is no longer enforceable. NAVIENT NEEDS TO IMMEDIATELY TERMINATE THE LOAN. 

Please call me if additional information is needed. Thank you for the help.
Product: Credit reporting or other personal consumer reports

CB/ Indigo XXXX= I have requested several times for this account to be closed on the phone with a representative and they advise it will close and it continues to show on my credit report as open.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed HARD INQUIRIES that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my XXXX  account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE HARD INQUIRIES LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Hard Inquiry : XXXX delete it from my credit report. 

Hard Inquiry : XXXX XXXX delete it from my credit report Hard Inquiry : XXXX XXXX XXXX  delete it from my credit report Hard Inquiry : XXXX XXXX delete it from my credit report Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling my consumer financial report I discover that there is information that is deemed to be fraudulently reporting from this company. On XX/XX/2021 I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). When looking at the amount owed on my consumer credit report pursuant to 15 USC 1692e ( 2 ) ( a ) the character and the amount is misleading to the amount, reporting on my report is of a positive balance which is a misrepresentation. This company also seems to have committed identity theft due to myself never doing business with them about this matter and purchasing my information concerning me as a consumer in order to collect on a debt pursuant to 15 USC 1692e ( 10 ). I notice that this company is also showing on my consumer report as a charge of which is also a violation pursuant to 15 USC 1692e ( 12 ) and has damaged my reputation and have also hindered me to obtain certain jobs. I have attached documentation that I have sent to this company concerning this matter certified mail # XXXX
Product: Checking or savings account

On XX/XX/2018 I deposited a business check accidentally into my checking account. This was a cashier check. Santander credited me the funds but two days later noticed the mistake and took the funds out. Since then I have been trying to get them to return the funds. I was told to wait 30 days and they will mail me a check. Didn't happen. I was told wait longer and they will be returning the check back to XXXX XXXX ( issuing bank ) via ACH didn't happen. I contacted the OCC to file a complaint. At that point someone from their executive office contacted me and told me that they spoke with XXXX and will mailing them a check payble to XXXX XXXX and that XXXX then has to deposit the check and credit their customer who purchased the cashiers check. They have attempted to do this 2 times now. Both unsuccessful and XXXX has confirmed to me and to their customer that they do not handle such transactions in other words they do not have any department that will do this since they cashed the check. 

The person who purcahsed the check has been in contact with their local branch over this time their branch has told them that Santander can mail the check directly to the brach and they can take care of it from there. Santander refuses to do this they continue to hold these funds. I need this issue resolved already its been 6 months!
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been trying to get these inquiries off my credit report, again I gave no one permission to run my credit for a car, disputed these inquiries before and it came back as non monetary relief, which means they gave no explanation as to why I have these inquiries on my report. These inquiries are on my XXXX Credit Report XXXX. ) XXXX XXXX XX/XX/23 XXXX. ) XXXX XXXX XXXX XX/XX/23 XXXX. ) XXXX XXXX XX/XX/23 XXXX. ) XXXX XXXX XXXX XXXX XX/XX/23 XXXX. ) XXXX XXXX XXXX XX/XX/23 XXXX. ) XXXX XXXX XX/XX/23 XXXX XXXX  {$460.00} is a collection that I don't know about that I would also liked removed. 
XXXX  XXXX Bankruptcy, I have sent a letter to the credit bureaus from the bankruptcy court stating that they do not share any information with credit bureaus, but XXXX and Experian are stating they received this information from The Bankruptcy Court what do i do
Product: Debt collection

I never rented or leased a residence in the past ten years due to my XX/XX/XXXX and XXXX therefore it is a result of my identity being compromise while I was in XXXX and on remote assignment which I was not the the united states of america. Although I have presented these factors the creditor has not responded or removed from credit report. Which is causing me economic constraint as I am search for a home for my family and I can have stability as a XXXX veteran.
Product: Consumer Loan

This item Nissan Motor Acceptance account # XXXX .... And account # XXXX ... .is inaccurate because the Notice of Sale was held Wednesday, XXXX XXXX XXXX with a balance of {$33000.00} and sold at XXXX at XXXX New Jersey , XXXX XXXX XXXX, XXXX , NJ XXXX. XXXX XXXX XXXX amount {$32000.00} was owed and total balance due of {$1000.00}. XXXX Credit Report XXXX XXXX XXXX reports Nissan Motor Acceptance Company reporting High Balance {$34000.00} and Past due balance of {$16000.00}. XXXX Credit Report XXXX XXXX XXXX reports High balance {$34000.00} with charged off of {$17000.00} and reported secondly on XXXX Credit Report High Balance {$34000.00} as Transferred, closed of {$18000.00}. I am requesting that the item be removed immediately due to violation of the Fair Debt Collection Practices Act:
Product: Credit reporting or other personal consumer reports

Some one applied XX/XX/XXXX for XXXX XXXX  credit card with out my knowledge fraud
Product: Student loan

In XXXX I was not given the opportunity to put my loans into deferment by Firstmark Services and they subsequently put my loans into collection without proper notice for me to submit paperwork on time. In XXXX of XXXX I submitted a case to the Minnesota Attorney General 's office who after working with Firstmark was able to get the loans removed from collections and put back into good standing and into deferment for the next year. Last XX/XX/XXXX I checked my credit report to find that Firstmark never removed the reporting of collections on my student loans and still reported them in collections even though they agreed they should never have gone to collections at all. At that same time I found that they put a late on my credit report for XX/XX/XXXX when the Firstmark representative affirmed to me they should have been reported as deferred due to COVID-19. I attempted to work with Firstmark through the Minnesota Attorney General 's office again with no resolution. The Minnesota Attorney General 's office agreed that my situation should be remedied but Firstmark was not willing to look into my case and provide a resolution. Attached is correspondence from XXXX ( the original case ) and XXXX when attempting to resolve the XXXX case and XXXX case.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Information Services LLC I am writing to formally request the blocking and deletion of accounts that were fraudulently opened in my name as a result of a data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ), which provides protection for victims of identity theft. 

The following accounts, appearing on my credit report, have been identified as unauthorized and fraudulent : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were not authorized by me and are a result of the data breach that compromised my personal information. I have attached the necessary supporting documentation, including a copy of my identity theft report and any relevant information related to the breach.

Please process this request and confirm in writing once these accounts have been blocked and deleted from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a copy of the FTC report, and it has come to light that XXXX credit bureaus are not obstructing records. In order to help with the legal response, I am sending this complaint as required by FCRA regulation 605b. If you choose not to obstruct the following documents listed below, which contain fraudulently obtained answers, I will turn over my archives to my attorney so that they may start a legal process. My intention is to not pursue any lawful action, so please, if it's not too much bother, abide by the law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was stolen and after the investigation my insurance company along with gap coverage were to pay the vehicle off. XXXX reached out to me letting me know that I had nothing to worry about while everything was in litigation. XXXX also told me that no more payments were needed to be made on my part. Now, on my credit report XXXX has reported 2 missed payments and kept accruing a daily interest into the car loan. This is hindering the loan from being paid off as well as affecting me from being approved for a mortgage loan. I have reached out to XXXX to correct this problem and they refuse to fix their era.
Product: Debt collection

I sent a request for validation last XX/XX/2022 to the company pursuant 15 USC 1692g. They only sent me a bill as a response which can't be used as validation of the debt. I really want this resolved because it's already affecting my credit scores
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax multiple times over the course of 6 months to file a dispute and they make it very difficult to speak to someone over the phone. They made me go through an automated system answering questions from our credit report as " verification '' of my identity. Which is not an accurate way to verify my identity because the information they are reporting is not 100 % accurate. When I finally did speak to someone the same thing occurred and the representatives hung up on me. I had to keep calling back and go through the same difficulty. How can a company make it this difficult for me to access a file that they never even had my written consent to create in the first place. So, it's okay for them to create a file on me but not give me access to it? They can help themselves to my information but turn around and say I have to prove who I am to them? They should be proving to me who they are, and how they can create a file on me. Use of my personal information without my written consent is Identity theft and is punishable under the FCRA Federal Credit Reporting Act. I am absolutely disgusted that I have to go through this. My character has been defamed and my reputation ruined because of the things they have be reporting and not allowing me to correct them. Also, let this complaint serve as my authorization for the Consumer Financial Protection Bureau to handle this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, 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 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you thatthere is no third party involved in the process. I sent letters to Experian Credit Bureau thedate of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM XXXX REPORT : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I reached out to loancare servicing in regards to my MIP being totaled as we reached the 78% LTV ratio in XX/XX/2019.The home appraisal, per the tax assessor is $XXXX. I submitted documentation to Loancare in XX/XX/2019,as requested. I later spoke with a representative of Loancare who confirmed that the home appraisal figure was in fact $XXXX. The representing requested that the deletion of MIP be reviewed again inXX/XX/XXXX. With that being said, we received a letter stating we still were not approved to delete the MPI, when in fact we did qualify since our  percentage of the LTV is currently at 77%.I have reached out to Loancare on three separate instances, yet have been unsuccessful in deleting the MIP. This is due completely to lack of due diligence in regards to Loancare. This is my last effort to resolve this issue before seeking legal counsel.The Homeowners Protection Act states that the services should have deleted our MPI once our LTV reached 78%.  Please note:The Tax Assessor sends a copy of any increases or decreases to our home appraisal each year. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, I XXXX XXXX WAS A VICTIM OF IDENTITY THEFT MY HOME WAS XXXX IN 2015, ALL MY PERSONAL INFORMATION WAS STOLEN AND BECAUSE OF THAT SEVERAL ACCOUNTS WAS OPENED AND A BANKRUPTCY WAS FILED IN MY NAME AND SOCIAL SECURITY NUMBER WITHOUT MY KNOWLEDGE OR PERMISSION. IM FILLING THIS FTC REPORT TO HAVE ALL ITEMS DELETED OFF OF MY CREDIT REPORT THIS IS HINDERING ME FROM MOVING FORWARD WITH LIFE AFTER BEING A VICTIM OF ROBBERY, AND IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

BBVA Compass Bank is in error. I submitted a check for payment in full. 
I have provided them with a copy of my contract and my check which was endorsed by BBVA Compass Bank. They have payment in full. 
Both the credit bureaus and this bank have their story wrong and I have not my opinion but documentation. I have hired a lawyer to help on this and want to notify the Consumer Financial Protection Bureau that I am being mistreated by the credit reporting agencies. 
I have furnished evidence to both of the aforementioned parties and they have responded with zero evidence.
Product: Mortgage

I did a loss mitigation with Flagstar Bank in hopes to lower my payment because the payment was high and was struggling to make the payment onetime. So Flagstar Bank did a modification so high in hoping i give up my home.They Raised my rates astronomically and gave me a take it or lose your home ultimatum. Fearing in losing my home i signed the paper and hoping to make the payment on a timely manner, however they amount they having me pay is unbearable. So, i received a letter today saying I'm in default and if i dont pay it they will take my home away from. I don't understand how are you supposed to help get my payment lower but made it higher, knowing we are trying to get back on our feet. I can't sleep at night because i don't know if I'm going to lose my house. I'm having XXXX XXXX, and my XXXX XXXX is so high I'm constantly getting headache. I just want my payment to be where they were prior to their ridiculous rate increase. I want to payment bill however, when you're doing XXXX  tactics in hoping to me losing my home is crazy. I want to work something out Flagstar Bank, I just want it to be fair and reasonable.
Product: Credit reporting or other personal consumer reports

Consumer Name : 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 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XXXX, XXXX under the account number XXXX, XXXX XXXX  on XX/XX/XXXX under the account number XXXX, XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a lease agreement opened at XXXX XXXX XXXXXXXX XXXX under the account number XXXX, and an auto loan account opened at XXXX XXXX XXXX in 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 # XXXX 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, 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 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: Money transfer, virtual currency, or money service

Clicked on a XXXX XXXX advertisement for XXXX, which is a fake company. They got my debit card number during checkout and then PayPal popped up and I sent the money. Noted foreign language and realized probably not a legitimate company. Disputed with PayPal and canceled debit card through bank.
Product: Debt collection

NCA is claiming that I owe them {$890.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Debt collection

this company LVNV Funding bought a debt from XXXX on an account that i never opened.
Product: Debt collection

LVNV Funding XX/XX/XXXX still shows active as of XX/XX/XXXX and this account has in correct amounts. Was never given any notice of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX XXXX. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX 10. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX-Bank of America-Hard Inquiry XX/XX/XXXX-Bank of America-Hard Inquiry XX/XX/XXXX-Bank of America-Hard Inquiry XX/XX/XXXX-Bank of America-Hard Inquiry XX/XX/XXXX-Bank of America-Hard Inquiry