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

Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent certified letters in  XXXX  in reg ards to this issue and have not heard back from  XXXX , Equifax and  XXXX . They are all dated for the year of 2016. I would like for the below inquiries to be deleted. '' I have explained myself about the the email system of   XXXX   being breached. I even had to call to remove addresses that I 've never lived.
Product: Credit reporting or other personal consumer reports

all three credit bureaus XXXX XXXX XXXX, and transunion ) are reporting accounts that i never gave written permission to furnish any accounts on my credit report the following accounts are ones i did not give permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

When XXXX forebearance ended and repayment began in XX/XX/XXXX, I enrolled in the SAVE program which allowed me to pay income driven payment per month with the contingency that the government would pay accrued interest if the monthly payments were not large enough to cover the interest ( effectively meaning that interest would not be accrued on a month to month basis ). I have been in contact multiple times with my loan servicer ED financial regarding this. Despite being enrolled in the SAVE program and paying my monthly payments from XX/XX/XXXX XXXX XXXX ( prior to the new federal forbearance ), my total balance of my loan continued to accrue interest. I have been told by numerous representative at edfinancial different answers. Some examples of answers I have received were that the site was not updating or that they would remove accrued interest at the end of every month. This has never been the case. Most recently, I am being told that since my loan repayment began in XX/XX/XXXX, I was placed on admin forbearance which entails that my loans would accrue interest. This is not accurate as I have documentation that I was enrolled on the SAVE program and have been making monthly payments through that plan. When I told them this, they argued with me that I was enrolled on admin forbearance and not on the SAVE program. I was able to provide proof that I was on the SAVE program. When explaining the SAVE to them, they then shifted gears and told me that the reason why my account accrued interest was because I never recertified to continue the SAVE program. To my knowledge, there was no reason to recertify because it hasn't even been a year since I initially enrolled on the SAVE program. Furthermore, I have correspondence from ED financial in XXXX of XXXX that states that they proactively extended my IDR plan and that at this time no further action is required. So basically from XXXX XXXX XXXX of XXXX despite making my monthly payments, my account has accrued XXXX dollars in interest despite being on the SAVE plan during that period in time. I tried to rectify with the loan servicer but they keep giving me the run around.
Product: Money transfer, virtual currency, or money service

Im requesting some assistance on a bank draft I deposited into my Bank of America checking account. I was told that a portion of the check would be available next day, that is also written on my deposit slip. The next day, it was not available in my account. When I called BOA they could not give me a reason why, when I asked when it would be deposited they said we can not tell you that as we do not know, possible 7 days due to the hold. I requested why it was held, and asked for more details. They said they do not know why exactly there is a hold. 

This check was written on a bank draft, which is guaranteed funds from a XXXX XXXX account. 

Ive spoken to BOA every single day since Ive deposited it, they still have not given me a reason for hold, or a possible check clearing date. 

They refuse to release the partial amount that was written on my deposit receipt/slip.
Product: Debt collection

I, the consumer in this action, submitted a dispute, regarding XXXXXXXX XXXX XXXXXXXX XXXX falsely furnishing an account to numerous consumer reporting agencies. This was never a loan, I asked for proof of this being a loan and money being dispersed from XXXXXXXX XXXX to myself, the consumer. Also, since this was not a loan, how are they reporting late payments? First, pursuant to 12 CFR 1431, banks, which XXXX is claiming to be, can not loan money because they are the borrowers. Second, XXXX has never given me any money, they fraudulently made it look like they let me borrow my OWN money and pay them back. This is absolutely illegal and fraud.
Product: Student loan

I have tried on multiple occasions over the past year to get an income based repayment plan set up in which Navient has told me that I do not qualify. I have also tried to get my cosigner to be removed so that I would qualify since they are not paying back any of the loan. Navient has told me that I can not have her removed and combined we make too much. 
I recently ran into some medical expenditures and tried again. I spoke with a woman who informed me that I have qualified in XX/XX/XXXX and it is not XX/XX/XXXX. She then went on and played a forbearance message for me which I did not agree to. I told her I do not want to forebear but lower my payments due to income. She had her manager come over and fix the recording and played an income one which I agreed to for the amount of around {$170.00} a month. 
A couple of days later I received an email saying that I still owed a payment for the month even though they needed a payment upfront. I thought it was odd but they explained it to me as I was to pay more this month to get the lowered payments for the next 14 months. I received another email saying that my income based payment plan was going to be {$160.00} instead. I thought that was great! Knowing what they had told me over the phone I checked to see if my additional payment for the month was going to be lessened as well. When I looked it said I was in forbearance!!! I had specifically asked to ensure I would not be in forbearance and I did not agree to be in forbearance.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. 

Identify inquiry resulting from the identity theft that should be blocked or deleted. 


XXXX XXXX XXXXXXXX repored date XX/XX/year>
Product: Vehicle loan or lease

WESTLAKE PORTFOLIO MANAGEMENT NEEDS TO SEND ME MY PERSONAL ITEMS THAT WERE NEVER RETURNED FROM THE VEHICLE THEY REPOSSESSED!!! AND SEND ME A COPY OF MY ORIGINAL CONTRACT THAT SHOWS MY SIGNATURE! I AM NOT ASKING FOR SCREENSHOTS OF PAYMENTS AND NUMBERS LIKE YOU PREVIOUSLY SENT. THAT IS NOT PROOF, ANYBODY CAN SCREENSHOT ANYTHING. I WANT A COPY OF MY ORIGINAL CONTRACT, I HAVE NO TIES TO WESTLAKE PORTFOLIO MANAGEMENT! ALL YOU RESPONDED WITH ARE NOT RELIABLE! WESTLAKE PORTFOLIO HAS NEVER PROVIDED ME THE COPY OF SAID CONTRACT THAT SHOWS MY DEBT TO THEM. AND I HAVE BEEN REQUESTING MY ORIGINAL CONTRACT FOR THE PAST 6 MONTHS TO NO AVAIL! WESTLAKE PORTFOLIO MANAGEMENT NEEDS TO PRESENT AN ORIGINAL COPY OF MY CONTRACT! IF THEY CAN NOT PROVIDE A COPY OF MY ORIGINAL CONTRACT, I NEED THE CFPB TO STEP IN AND HELP ME GET A COPY OF MY ORIGINAL CONTRACT WITH US AUTO SALES THAT STATES WESTLAKE PORTFOLIO MANAGEMENT HAS TAKEN OVER MY LOAN!
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Consumer Loan

I have not paid any payments since XXXX 2008 on a dirt bike loan from SYNCB/XXXX. 
The other credit agencies, XXXX and XXXX have taken it off 6 months ago, but XXXX wont take it off. I called up the bank at XXXX XXXX XXXX and they sent it off somewhere 5 years ago, but they are on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00}
Product: Debt collection

This account Resurgent keeps trying to collect was identity theft, and I have filed a police report that I have provided Resurgent this copy x XXXX ; the last report was faxed on XX/XX/2023. On XX/XX/2023, I spoke with the same rude customer service agent I've talked to. threatened ( military veteran ) me that if I didn't do the affidavit, it would just keep on coming back as an insufficient claim, and I would continue owing until I did that affidavit. ( XXXX years ago I did an identity theft affidavit and it was ignored ) The only thing this company keeps sending me is about XXXX pages of a XXXX account statement ( XXXX ) that's it. 
______________________________________________________________________ Your fax to Resurgent at XXXX has been sent successfully! 
Successful delivery of your fax was confirmed at XXXX XXXX  Eastern Standard Time on XX/XX/2023 Your fax included XXXX page of coversheet with your text and XXXX pages of attached documents.
Product: Debt collection

I have never lived at XXXX XXXX XXXX XXXX as the XXXX has stated. XXXX XXXX XXXX XXXX say I owe a debt that I have no knowledge of ever applying for any services with XXXX I have not received any documentation barring my signature and these are the dates that the account started til its charge off date XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and charge off date XX/XX/XXXX, therefore any debt with this company i do not own and/or fraudulent account therefore I would like this to be removed from my credit report and cease any contacts with XXXX XXXX XXXX. 

I sent my letter to the credit bureau on ( XX/XX/XXXX ). I told the credit bureau to investigate every piece of information on the accounts I have listed below. Also have attached the letter I sent out and here is the tracking number ( XXXX ). 

According to the FRCA THE TERM Investigation consumer report means a consumer report or portion thereof in which information on a consumers character. General reputation, XXXX characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who XXXX have knowledge concerning any such item of information. 

They state my account was verified behind the possible, if they didnt do the proper investigation according to the law. Also I have a piece of information on these accounts are still not report on 100 % accurate. And According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I also have the credit report.
Product: Debt collection

I recently check my credit report and I saw a collection on my credit of {$3100.00}. I dont know who are these people and I have never applied for such. Based on the reports it shows that the account or transaction occurred in New Jersey. I stay in XXXX XXXX all my life. Im a taxi driver and Im always busy with my work.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/2023 was not opened by me, its a result of Identy theft I have never done business or acquired their services. Ive already disputed several times with credit bureaus, submitted ftc reports, police reports, identification, and address verification. I last requested verification to prove I opened the account nothing was provided to this day.
Product: Credit reporting or other personal consumer reports

I have been in contact with Equifax about this situation multiple times and nothing has been done. That is against the law as well. To tell a credit reporting agency that this item doesn't belong on your consumer report and it actually doesn't, but they company refuses to remove- is a crime.

15 USC Chapter 41 subsection 1681c states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 

( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The record for XXXX XXXXXXXX XXXX XXXX  years as it became delinquent in XXXX of XXXX. Equifax refuses to remove this from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry from SYNCB on my credit report, I have not applied for any consumer loans, mortgage or credit cards. The inquiry is dated for XX/XX/2019. 

SYNCB XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit reports from all three bureaus. I immediately noticed the reports mentioned that a collection company XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX reported a debt that I do not recognize. I also see multiple inquiries from XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. The fraudulent names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. The false addresses XXXXXXXX XXXX XXXX XXXX  XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX. The fraudulent Social Security number XXXX ; XXXX. The false telephone numbers ( 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.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/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

I have communicated on numerous times to XXXX, Transunion, and XXXX in regards to the incorrect reporting of information on my consumer reports!!!! It has been well over 30 days and nothing has changed! My most recent attempt was submitted on XX/XX/2021 and there has been no response, and there has been no changes made to my consumer reports! XXXX, XXXX, and Transunion refuse to make the necessary changes to my reports, which is unlawful. Ive made several calls and submitted various disputes throughout the past year and my most recent dispute letter has yielded the same results!!! 
According to 15 U.S Code 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer with whom it relates. This makes everything that they are reporting unlawful and these inaccuracies should have never been reported without my written consent in the first place!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2020, I received yet another letter from Synchrony Bank, indicating declining a credit account to them! I have not done such a thing. Why is Synchrony Bank suddenly harassing me about alleged credit inquiries? I have not made any. My credit score keeps lowering as the result. I have attached today 's letter.
Product: Mortgage

Dear reader, JFQ Lending sent me a several letters entitled " Report of Available Funds. '' The letters are designed to look as if funds are available to me from a government institution or a non-business entity. It is not clear in the letters that this is an advertisement to refinance. The letter also directs consumers to an individualized link, seemingly an FHA site, but that link is not secure. The fine print of a letter does explain that this is an " offer '' that is not approved by or affiliated with FHA, a government agency, etc. However, this fine print contradicts the look and feel of the letter itself. I recommend JFQ revisit their letter structure to make it more clear that this is a loan opportunity to ensure that people are not confused. I also recommend that JFQ ensure that any website links provided are secure and include their company name. 

Also, thank you for the work you do at CFPB!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/XXXX with TransUnion, they responded back saying that all the information was accurate. For the amouth of {$910.00}. I resubmitted my dispute letter providing documents.
Product: Mortgage

I purchased my home, in XXXX XXXX, CA, on XX/XX/XXXX, with a loan from XXXX XXXX XXXX XXXX. My monthly mortgage payment ( including Insurance and property taxes ) was a little over {$2600.00}. I was informed that XXXX XXXX had taken over the mortgage and that their Mortgage Administrators would be XXXX XXXX XXXX XXXX XXXX. After 6 months of paying the mortgage I was contacted by XXXX and was told that I would be able to re-finance with them and would be able to lower my monthly payments ( lower interest rate ) and would cost me nothing as there would be no costs involved. Being somewhat skeptical, I asked what was in this for XXXX? and was told that I had likely been inundated with offers to re-finance with other companies because the 6 months was up and it showed a good payment history. That was correct ; I had been inundated with these offers. I was told by the Rep from XXXX that basically what was in it for XXXX was that they would be retaining me as a customer, and that is the reason why they would be able to lower the interest rate and therefore the overall mortgage. I re-financed with XXXX and my monthly loan amount was reduced to a little over {$2200.00} a month. XXXX, then transferred my loan to Loan Care, LLC and I started paying them my monthly mortgage on XX/XX/XXXX. In XX/XX/XXXX, Loan Care informed me that there wasnt enough money in the Escrow account to pay the PMI, insurance and taxes and that my mortgage would need to increase by {$400.00} a month to {$2600.00} as of XX/XX/XXXX. This confused me as, I remembered that there was over {$4000.00} in the Escrow account when I refinanced through XXXX and when I asked what would happen to that money I was told it would roll-over to the Escrow for the new Mortgage. Clearly this did not happen. On XX/XX/XXXX, I received a check from XXXX for {$290.00} and was told in the letter that this was the remainder left after the mortgage was paid off. This confused me even more. I called Loan Care, LLC and asked about the increase to the mortgage and was informed that the reason it increased was because property taxes had gone up in XXXX County. I called the XXXX County Assessors Office and they said my taxes had only gone up by less than 2 % ( {$100.00} approximately for the year ). Again this did not make sense. I feel like have been a victim of some elaborate mortgage transfer scheme whereby I have been conned into believing that my mortgage would be reduced through interest % reduction, only to have the payments upped after the mortgage was transferred to another company. This, to me, is totally unacceptable and unethical, and I would like you to investigate this matter on my behalf, if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony bank charges off the debt and sold it to XXXX XXXX. XXXX and Synchrony bank both showed the balance for the debt and both tried to collect on the debt at the same time. I paid XXXX XXXX and they deleted the reporting and synchrony bank charged the debt off again on my reporting as if it was a new charge off for XX/XX/2019. They then made the balance XXXX. This is unfair and illegal debt practices. The synchrony bank rep said it would be deleted as well however its still reporting and reporting as a new negative impact on my report.