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

The following document attached with this letter is an FTC Report. This document is proof that I was victim an identity fraud victim. 

Your company continues to report fraudulent accounts that were open which is severely hurting my credit reputation and good name. Identity theft is a growing problem in the United States and it can happen to anyone, even you. I ask that you please review the attached document closely and carefully. 

Please also be aware that any negative mark found on my credit reports for a debt that I dont owe, is a violation of the FCRA & FDCPA. Therefore, I demand that you permanently delete all fraud lent accounts that were opened as a result of identity theft. Along with the XXXX Police Report are copies of my most recent credit report receive by your company, highlighting all fraudulent accounts open AND inquiries made with my stolen personal information. I personally pointed out all fraudulent accounts to make it easier on you to process my request. 
Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your company, seeking {$5000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

As of XXXX/XXXX/17, I received an alert from my credit monitoring services indicating a new account was added to my credit profile. After reviewing, I noticed an account from XXXX XXXX was added. I have received no communication from XXXX XXXX regarding this alleged debt! This company did not follow the debt collection process allowing me to request the appropriate debt validation.
Product: Credit reporting or other personal consumer reports

I called to find out what XXXX XXXX sent to the credit Bureau to verify this fraudulent account on my report. I was told they verified a balance??? No Credit Bureau has any consent to share my info with anyone at any time. They are also showing financial amounts and figures, showing income, account numbers. Nor did they provide any forms, contracts or agreements signed by XXXX consenting to the use of personal information. This is covered under XXXX XXXXXXXX XXXX Identity Theft or Identity Fraud is to possess, transfer or to use any personal identifying information, belonging to or issued to another person, with the intent to defraud that person, in order to receive any benefit, which is exactly what EXPERIAN, XXXX XXXX and XXXX are doing. PERIOD As used in this section Personal Identifying information is : 1. Name 2. Birth Date 3. Address 4. Telephone I skipped 5-11 I felt they were NA 12. Electronic signatures 13. any financial numbers!!
Product: Debt collection

At  XXXX  today, Thursday,  XXXX   XXXX ,   XXXX  , I received a call from an  XXXX . Since I do not answer calls from numbers I do not know, it went to voicemail. The message was left from "  XXXX  '' at Navient (  XXXX  extension  XXXX  ) regarding " an urgent matter '' about my live-in girlfriend 's private student loan. The call was made to my cell phone which I use for work. I am not a borrower or co-signer and I never provided my phone number to them. They have no business contacting me as I have no business with them. If they continue to call me, as they do to harass her, I will be forced to pursue legal action. I do not want to be contacted by Navient again.
Product: Student loan

Navient collections. I am XXXX per Social Security. They determined I was XXXX since XXXX but my claim was filed in XXXX. XXXX verified this determination as well. I subsequently sent the information to Navient who contracts with XXXX to determine XXXX status claims. XXXX XXXX has been denying others beside myself. I have a XXXX determination and Navient only reviewed the medical. I am prepared to submit XXXX records and asked the Navient collector for the form to submit my XXXX status and the collector told me " if you want the papers, you go get the papers. '' I propose XXXX review of XXXX claims or an independent entity to monitor XXXX denials by XXXX to ensure Navient 's contract with XXXX XXXX is not a way to summarily deny all XXXX individuals. 

I was a XXXX 15 years ( including use of a XXXX ), XXXX. So I know the Fair Debt and Collection Practices Act ( FDCPA ), XXXX. Navient 's collectors are not well trained and should not dictate policy/procedures based on their own biases and not the company 's policies/procedures. 

The determination that I am not " XXXX enough '' and being unwilling to give me the opportunity to submit the XXXX portion of my XXXX does not seem legal or ethical ( Social Security used both XXXX ). 

Why is the relationship between Navient and XXXX not investigated for collusion and a way to defraud the XXXX? 

Why am I not permitted to submit the secondary XXXX diagnosis? 

I posted a breach in FDCPA to the Consumer Affairs site, and read how individuals with XXXX, XXXX, and XXXX were all denied by XXXX paving the way for Navient to collect debts from individuals that are otherwise considered XXXX by federal and state entities. Please check into this inequity. 

Paying Navient even if state and federal review deem us " unable to work '' is unreasonable when their " contracted '' " determining entity '' may gain financially by denying XXXX claims. In addition, when their staff refuses to send the appropriate form to XXXX individuals, it is basically an admission that they will not consider my XXXX claim anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XX/XX/XXXX, Account # XXXX, has violated my rights. 

1

5 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Sectio
n 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

After formal letters and calls to the three credit reporting agencies of Experian, XXXX and XXXX they continue to report inaccuracies and have violated my rights as a consumer. This has caused me great financial harm as a consumer and my ability to contribute to the economy. There was not sufficient information nor proper information in response and lacked validity of debt. I have tried to work out with them directly but automated answering services and failed responses from the US mail now well over 90 days have continued to cause me harm and violate me as a consumer. 

First letter was mailed on XX/XX/XXXX and failed to comply with investigated results within the 30 day time frame. I then sent a follow up letter on XX/XX/XXXX via certified mail. 

THIS IS XXXX XXXX. XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY!
Product: Mortgage

On or around XXXX I received a Principal balance reduction thereby reducing my Principal loan from approx {$440000.00} to approx {$320000.00}. 
On or around XXXX XXXX I became very ill, loss of income and fell into hard times and applied for a loan modification which was granted and I received with terms of a reduced interest rate from 9 % to 2 % and a Principal balance adjustment of approx XXXX XXXX.with a Deferred Principal adjustment ( which I have no idea what that is ) of approx {$170000.00} which reduced my mortgage to even farther to {$200000.00}. I also received documents to confirmed this.

The Prinicipal mortgage balance continued to declined to {$200000.00} up until around XX/XX/XXXX. At which during this same time period a Principle balance adjustment was debt to the my mortgage account of {$170000.00} thereby increasing my mortgage balance to over {$370000.00}.

Because of my illness I paid no attention to these figures until my son brought it to my attention which I immediately called OCWEN and they kept telling me someone would be calling me and offering me another Loan modification. At this time of housing market had started climbing back up OCWEN was checking out the house to determined if they could double their profit on the home thereby reinstating the adjusted principle balance. 

On or around XXXX, still no answer and too sick to argue back and forth and too broke to hire an attorney, Ocwen decided to sell my mortgage to PHH which was finalized in XXXX. 

On or around XXXX I finally got PHH to forward a printout to myself of all my account activities and this is how I was able to confirmed exactly what OCWEN/PHH had did and probably done to others. As soon as the owners starts questioning these types of activities, your loan is suddenly transferred.

My loan is now over {$380000.00} after paying XXXX  years and within XXXX  years a balloon payment of {$170000.00} will become due.
Product: Credit reporting, credit repair services, or other personal consumer reports

The SYNCB/ Care Credit account was closed on XX/XX/XXXX but is currently furnishing delinquencies to each CRA XXXX SYNCB/ Care Credit isnt the proprietor of this account anymore and hasnt been since XX/XX/XXXX but is still furnishing inaccurate and erroneous information on my consumer report as if they are. See attachments for more details.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 this particular Bank along with XXXX XXXX in XXXX XXXX Pennsylvania  illegally ran my credit report without my authorization and make note that this was illegally done by a XXXX XXXX XXXX Assistant to whom acted like they were desperate for money and on XXXX. Now my credit is XXXX XXXX with this particular Banks illegal activities
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REPORTING FALSE INFORMATION ON MY REPORT, I HAVE DONE ALL I CAN TO GET INFORMATION REMOVED. 
ACCT INFO. 
XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i received a inquiry on my Transunion credit report from a XXXX XXXX which I did not authorize. I reached out to them and they determined it was fraud. They said they would mark it in their system but I would have to reach out to Transunion to have it removed. I reached out to Transunion who tell me I have to contact XXXX XXXX. This has happened before with Transunion. I am tired of going back and forth. Transunion is a ridiculous company to deal with especially as it is my information. Any help in this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act Convergent accounts number XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent
Product: Student loan

XXXX of XXXX I spoke with MyFedLoans regarding loan payments from : XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX According to MyFedLoans, these loan payments were NOT marked as qualified towards the 120 payments towards the PSLF program even though I made student loan payments during those months.

I was told to call back to follow up on this request.

I have been calling at least once every month and STILL have been given the same response : that these payments are " under review '' and to call back to check on the status.

It is completely unacceptable for FedLoan Servicing to continue to have this response when it has been close to a year now ( I write  this in XX/XX/XXXX ) and I STILL get the same response. 

I greatly appreciate all your help and time of this review as I want to bring attention to this matter that FedLoan Servicing needs to be held accountable AND responsible for getting back to loan payers in a timely manner.

Again, thank you for your help and time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX about fraudulent activity which i have reported to idenitytheft.gov as well.
Product: Student loan

Began receiving notice of payment due XX/XX/XXXX even though daughter does not graduate until XX/XX/XXXX. However, decided to pay the loan in full ( {$3500.00} ) so we would not have to deal with the loan later and also wanted to be sure we did not get charged interest. Made payment in full XX/XX/XXXX. XX/XX/XXXX received a mailed confirmation receipt of the {$3500.00} payment. However, we continue to get email notices that our payments are overdue and that credit unions will be contacted. After each monthly notice I have tried contacting fedloan servicing by email, telephone and US mail, providing them with my complaint that we continue to receive payment due notices. The only response I have received from them is that they are not sending us email notifications ( and that is why I have mailed them copies of my correspondence through email which contains their mailing address, phone numbers and email contact information ) but we continue to get late payment notices through email and the threat of it affecting our credit score.
Product: Credit reporting or other personal consumer reports

Hi, I have NOT authorized no inquiries from these following Companies : Nobody should be tampering with my information! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would like these inquiries removed from my report immediately it is hurting my score. Please assist me in doing so. 

Thank you
Product: Credit reporting or other personal consumer reports

A purchase was made while I was incarcerated in the total amount of {$1600.00}. 
Im not responsible for the purchase, but can give you an idea who might. The Discover credit card was closed on XX/XX/XXXX, and when I tried to get the financial debt dealt with, theyre saying I could possibly still owe that amount. I just want to dispute the payment with the company by providing them with correct and accurate information, yes I did open a credit card in XXXX the year of XXXX Im not denying that. I reassured issue that its wasnt me that could possibly had make a purchase in that amount, I was incarcerated. I have fraud on my credit report that includes addresses and phone numbers that were unverified by me. Also I have my XXXX XXXX XXXX XXXXXXXX transcript from my conviction date and release date.
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that is a result of identity theft I did no provide written permission or instructions for the identified transactions to be reported on my consumer report. 


CREDITOR NAME XXXX XXXX  INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX  {$720.00} XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX {$870.00} XXXX XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XXXX  XXXX/XXXX/XXXX {$560.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$400.00} XXXX, XXXX XXXX/XXXX/XXXX {$1000.00}
Product: Payday loan, title loan, or personal loan

The self lender account that was open on XXXX XX/XX/XXXX was open fraudulently I did not authorize this damaging account on my report or near did I apply for a installment loan with self lender because I wasn't aware of self lender at time I was not checking my credit report or I haven't had alerts enable to receive updates on my credit report so I was unaware what was going on with my credit report file I am 100 % sure that this account was opened by a mistake XXXX XXXX is a very very popular name or my Social Security could have been compromise on on a fake website And I am writing to assist with this credit report disputing process to get this damaging report off my credit file that stoping me from being financially stable at a early young age I disputed within 30 days haven't heard anything after 30 days with XXXX according to the Credit Reporting Act each and every credit bureau has 30 days to reply to your credit dispute inquiry if failed to do so employees of TransUnion failed to do their job that can result in lawsuits so I am requesting that this damaging fraudulent dispute be removed from my credit file To be specific 1 self lender account is currently open as of XXXX on my account that I am aware that I authorized. 

XXXX XXXX lender account is currently closed as of XXXX that I did not authorize and was not aware of this account.
Product: Vehicle loan or lease

I was traveling to my home country and set up autopay on their website. I left for months came back and my car was repossessed. I was in awe because I had set up autopay to avoid this problem. I called the company and had to pay them extra for the car and the rep on the phone apologized and said it wouldn't show up on my credit but the late payments did show up. I called them and they said they can't do anything about it. This is not fair because I haven't missed a single payment since this incident happened in XX/XX/2017 and they are not willing to work something out when their system was at fault.
Product: Debt collection

Hello, I have attempted now 5 times to get these creditors ( national credit systems ) to provided me with evidence that i have lived in XXXX Arizona. Provide me with a lease and my drivers license. I have Filed a complaint with CFPB and there response instead of validating was asking me to submit documentation to them?!! The funny thing is if you have debt for me for an apartment you should have the following documentation Lease, Drivers license, and signature on lease, you have a debt that you are reporting as {$13000.00}. The apartment I 'm sure has probably been leased again which the amount owed is also incorrect. I have not said this is my debt but i have even sent a letter offering to pay a little for your company to delete, which you never responding to that! I will like for you to find documents if not delete from my credit file as this is defamation of my character!!!! I live in XXXX XXXX, La and have for now 6 years!! The law here and remedy here is you can not collect debt after 3 years here, also provide me with your company license to collect debt in the state of Louisiana. I here by demand you provide me with proof of this debt not a letter telling me its my debt. thanks XXXX
Product: Credit card or prepaid card

I have been disputing a change with Citi Bank since XX/XX/2022. I was in XXXX XXXX XXXX XXXX XXXX I purchased a bracket from a jewelry shop. Once I returned to the resort I noticed that there were 3 changes on my card. Two for the same amount of {$210.00} ( one belonged to the bracelet ) and a change for {$230.00}. The additional change of {$210.00} was resolved with Citi, and that is a story in itself. 

When purchasing the bracket the merchant stated that the internet service was bad and had to try several times to run my card. He then got out another machine and ran it with that one. Because I had three changes, I thought that the two that were not true purchases, would fall off. however they posted to my account. I then filed a dispute with Citi Bank, realizing that the merchant was running my card several times to create several changes. I thought this was an easy fix as I did not make these purchased. 

I have spent several hours on the phone with the fraud department who then stated this is not fraud but a dispute. Was sent back and fourth several times off and on over the course of many months. The customer service was the worst I have come across in many years. I have since filed complaints including with the BBB and finally got the attention of the Citi Bank Executive response unit and was hoping finally someone would resolve my issue. The Executive response unit was very attentive and I was hopeful this would be resolved. On XX/XX/2022, I am notified that I did not have enough evidence to support my case. I am not sure what evidence I would have? My understanding is that the merchant DID not provide a receipt for these purchases. I am at a loss for words with the service of Citi Bank. I am mostly concerned with the merchant getting away with robbery, this is clearly a scam. The money is the least of my worries. It is the point and the lack of protection from my credit card company that is frustrating to me and the reason why I will continue to fight this. I am asking to see what evidence Citi Bank has received that shows I made this purchase. The letter I receive stated to reach out to the merchant. This is laughable to me. This is a small jewelry shop in XXXX, I have no way to contact them. I am asking for a credit for the change of {$230.00} and to ensure that the merchant is held responsible and evidence from the merchant that I made this purchase. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

The DC Department of Unemploymet sent a US Bank Relias Card in the mail for me to activate and deposit my unemployment benefits. The company has not credited a payment of XXXX onto the card, debit it XXXX, XXXX and XXXX for a recurring car payment through the Relias bill pay portal, but none of the payments were received by the car company. The car company says that car payments cant be made with a debit card ; but payments can only be made with an account and routing number. Therefore, several hundreds of dollars are being stolen with the Relias Card .I have submitted a dispute, but have not received a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one inquiry on Equifax that was fraudulently done.I went on XXXX  and file an Identity Theft Report. FTC report number XXXX.
Product: Mortgage

I responded to an ad last night online by Royal United mortgage services stating that they may be able to get me a better rate if I financed my mortgage with their company. I filled out a brief form with my phone # and address.
This morning as I was sleeping in the other room I could hear phone calls coming in one after the other non-stop for about 20 minutes. I did n't answer them and tried to determine where they were coming from based on the area code,  XXXX . This afternoon I finally answered a call from one of their agents and told her how unhappy I was with their attempt to reach me. She had no explanation and said my number would be taken off their list. Then more calls came in from the same area code and another one, Clearly these  XXXX  have no respect for anyone 's time or use of phone service. I have NEVER EXPERIENCED ANYTHING LIKE THIS BEFORE. They appear to be based in Indianapolis or somewhere nearby
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX-18 I was informed that there was a breach in equifax system and all my information was released to the public and it wiped out my credit report and score and they have made no attempt to fix it or inform me of any updates concerning the situation.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I started the process of applying for a loan with Big Picture Loans. I had decided I was n't going to go through with it so I did n't call them to finalize the loan. They put the loan through anyway. Plus, I did n't get informed of the very high interest rate until after the loan was processed. The loan was processed on XX/XX/XXXX for {$970.00}. I have paid {$570.00} to them since that time and the loan company says this is interest paid only. I ca n't afford this.