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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Money transfer, virtual currency, or money service

on XX/XX/2020 I initiated a deposit INTO Coinbase from my bank account. My bank statement says : - {$200.00} to merchant COINBASE. 
When I go on the app it seems there is no history of me depositing the money nor has it arrived yet. 
Every time I try to open a case they close it immediately.
Product: Student loan

I emailed Navient on XX/XX/2020 requesting that they apply my additional payments to the principle because I noticed that they applied it to principle and interest. They responded on XX/XX/2020 and told me they were unable to apply my payments to principle only because I had accrued interest. Is this possible that I can not pay down my principle? I have paid so much interest on my loans over the past 16 years and my balance has barely gone down. I am now in a position to aggressively pay off my loans, but feel like my provider is making it so challenging to get ahead. This just seems unethical. Thank you.
Product: Mortgage

I called my mortgage company over six months ago which is freedom mortgage and asked them to drop my mortgage insurance since houses on my street were selling for almost {$150000.00} over my initial loan amount. They said that the mortgage insurance was based on the amount that the house was initially paid for and could not get rid of the mortgage insurance
Product: Debt collection

Admittedly i am behind but the amount of calls while I am at work is absurd. 

34 CALLS IN 9 DAYS 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed my credit report and noticed several inquires that i did not authorize and it has caused my credit scores to drop big time.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.

( Original Creditor : ) XXXX Balance : {$590.00}
Product: Credit card or prepaid card

My XXXX XXXX card was charged {$24.00} from Trans Union on XX/XX/2021 in CA. I was in CA on a trip on that day and 10 days previous. I have never used Trans Union or have any reason to use them. I called the contact number on XX/XX/2021 when I received my XXXX bill to dispute the charge. I was transferred to 5 different people, after each one got my info they said they couldnt help me and continued to transfer me. Each time they asked for my SS number, ( which I would only give the last 4 digits ), address and phone. The last person also wanted my bday, which I would not disclose. I truly believe this company is a scam and want to file this complaint.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX, Account Number : XXXX
Product: Debt collection

I have tried repeatly to get the amount of the debt so I can do a settlement to no avail. 
I did a loan modification in XXXX when I had a first and second mortgage. The XXXX modify the first mortgage and wrote off the second mortgage I thought the modification cure the second mortgage. I was not aware that I still owe on a second mortgage until Veripro Solution send us a letter in XXXX that we owe them for the second mortgage. I advise them could they provide the balance on the second mortgage and they refuse that information. Over the years I continue calling them for a balance and to make a settlement to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already filed a complaint as of today, only one account was deleted from my credit report. I requested all 3 bureau 's to remove 3 accounts total that does not belong to me. They only removed 1. They updated the other two and kept them on my profile. They are aware of the identity theft and also have that note on my profile and still haven't removed the other two accounts. The other two account I need removed is from XXXX XXXX XXXX. These two accounts do not belong to me.
Product: Debt collection

XXXX ) XX/XX/XXXX AssetCare reported XXXX derogatory remarks to my credit report for Medical debt accounts that I have already disputed with them, and do not owe. One debt is for than {$180.00}, and the other one is {$540.00}. 
XXXX AssetCare reports that the date opened is XX/XX/XXXX, which is also not acurate. 

XXXX ) XX/XX/XXXX I called AssetCare at XXXX and spoke with XXXX. I informed the rep that I disputed the debt, and requested a XXXX XXXX XXXX, XXXX XXXX, and my consent to share my information with a third party debt collector. 
- To Date, AssetCare has yet to provide me with the aforementioned information that I requested. 

XXXX ) Date of Service : XX/XX/XXXX & XX/XX/XXXX - Original Debtor : XXXX XXXX XXXX XXXX, aka XXXX XXXX, XXXX. 
- Per AssetCare 's documentation on my credit reports they stated they acquired the debt on My Findings after speaking with my Health Insurance provider : Debtor, XXXX XXXX, failed to bill the insurance provider for the debt they have attempted to collect from me, and the Insurance Provider has confirmed there are no charges from these two accounts for the Date of Service they claim that I owe them. 

In each of their reports to my credit, AssetCare, has given false information for the amount owed, and not provided proof of HIPAA release to allow them the ability to create any remark to my credit. AssetCare has furnished information about unpaid medical debts to credit bureaus without reasonable written policies and procedures regarding the accuracy and integrity of consumer information provided to credit bureaus. 

XXXX, XXXX and XXXX have been notified of the incorrect reporting, and disputes have been made.
Product: Debt collection

RMP, LLC is IMC. LLC they have been hounding me for years. They keep opening new Derogatory marks against my credit. They have 3 accounts that should be closed. I have contacted FCC as well on them like I was told to do 3 months ago and still on my credit and hurting it bad too. Please get them to remove their accounts. How can I protect myself from a company that changes their name and keeps hitting my credit and killing it?
Product: Mortgage

I opened a mortgage with XXXX XXXX XXXXXXXX ( XXXX ) in XXXX of XXXX. XXXX was subsequently acquired by Axos Bank. I paid my mortgage in full in XXXX of XXXX. I just tried to get prequalified for a loan to purchase a new home and was told that I had a loan on my credit report for {$350000.00} with XXXX XXXX XXXXXXXX. It took me two days to get through to a real person at Axos Bank. She told me to send an email to XXXX. I sent two emails, both of which were acknowledged with a standard no-reply acknowledgment of receipt. It has been two weeks and I have received no reply. I have already missed an opportunity for the property I wanted, but I want to make sure my credit report is clear so that I can continue looking for a new home.

Secondly, I have logged into my account on the Axos website to get my XXXX statement for XXXX. Unlike all other banks that I have ever worked with, they do not provide these documents online ( or at least not for my account ). I have requested this form so that I can file my taxes, but they have not replied.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX  XXXX are inaccurate and must be removed.
Product: Credit reporting or other personal consumer reports

Their is a hard inquiry on my XXXX consumer report from Capital One that I did not authorize them to pull a copy of my consumer report. They have not provided me any documents showing I consented to such report
Product: Credit card or prepaid card

I HAD A BANK OF BARODA CREDIT CARD. I APPLIED TO CLOSE THE CREDIT CARD IN XX/XX/XXXX AS THEY WERE CHARGING ANNUAL MEMBERSHIP FEES OF XXXX WHICH THEY DID NOT MENTION WHILE ISSUING ME THE CARD. I PAID THE MEMBERSHIP FEES IN XX/XX/XXXX AND APPLIED FOR THE CLOSURE OF THE CARD. 

I RECEIVED AN EMAIL MENTIONING THAT THE CLOSURE OF MY CARD HAS BEEN APPROVED. 

SUDDENLY IN XX/XX/XXXX THEY AGAIN SENT ME A STATEMENT CLAIMING FOR THE MEMBERSHIP FEES. WHEN I PRODUCED THEM ALL THEY DOCUMENTS, THEY ARE CLAIMING THAT I HAVE TO PAY THE MEMBERSHIP FEES AND THEN ONLY MY CARD WILL BE CLOSED. 

THESE GUYS ARE COMPLETE FRAUD. THEY ARE DIRECTLY THREATENING ME. I WANT STRICT ACTIONS AGAINST THEM AND ALSO COMPENSATION FROM BANK OF BARODA FOR CONTINUOSLY THREATENING ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries and personal information : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX : XX/XX/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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor give consent. 15 usc 1681 602 A state I have right to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account or inquiry without my written instructions. 

Equifax has the following inquiries I want removed Immediately. 

XXXX  XXXX XX/XX/22 A paystub and passport have been uploaded with complaint for ID purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I wrote to Transunion requesting an investigation into items that I believed were inaccurate and erroneous. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my third-time request, I will also be sending a copy of this letter to the Consumer Financial Protection Bureau notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. Credit bureaus are required to fairly and accurately report information Please see my reasons for the dispute below : Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is accurate. 
If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX How are these accounts accurate if high balances, date of activity, date opened, and account status are not accurate & erroneous Please investigate if every piece of information is accurate. If not, please remove it from my credit report.On XXXX credit reporting agency both accounts are closed and reporting a balance of {$0.00}. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report & credit score. 


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

On XXXX XXXX, 2020, AMSHER COLLECTION SE add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA AMSHER COLLECTION SE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union was sent a letter back on XX/XX/2020 regarding unauthorized accounts being reported on my credit report. It has now been 67 days and there has been no communication to me regarding the removal of these inaccurate accounts. According to 15 USC 1692 D this is harassment and extremely harmful to my reputation, 15 USC 1692 E, false and misleading to continue to report these unauthorized accounts against my credit report, 15 USC 1692 F demonstrating unfair practices towards me, a clear violation of my consumer privacy rights ( 15 USC 1681 A ( 4 ) ). Also, pursuant to 15 USC 1681 A ( 2 ) ( iii ) As a consumer I have the right to deny anything being reported and I did not provide written consent to place these unauthorized accounts in it, this is also a clear violation of 15 USC 1681 B ( 2 ) ( A ) as I am a victim of identity theft ( 15 USC 1681 C 2 ).
Product: Student loan

Navient is a predatory lender! I obtained a parent plus loan in XXXX for {$11000.00} which is now {$25000.00}. My Mother was the co-signer at the time. The loan was for cosmetology school. I filed XXXX twice and both were discharged XX/XX/XXXX and XX/XX/XXXX and Navient refused to acknowledge my XXXX. They threatened to go after my mother if I didn't pay. I tried numerous times to make the required payment in full as they directed for 12 months to release my co-signer, only to be denied again. Every payment I made was applied to outrageous interest only and never to my principal. I recently got approved to refinance the loan through another carrier which is now {$29000.00}. Navient owes me {$11000.00} twice over for all the payments I made under my former name. I tried many times to resolve payment issues. They would deliberately place forebearances on my account when I did not request them because I live in Florida, Even after I called them and told them not to. Then they denied me releasing my co-signer. I tried to escalate my complaints over the years, but simply gave up with this company. I XXXX Navient and I told them they were predatory. Never got resolve!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a charged off account on my credit report with XXXX XXXX This account was originally reporting to all three credit bureaus but XXXX has deleted this inaccurate account from my credit report. Each credit bureau is reporting inconsistently and many different inaccuracies on my report such as the open date and last active date. XXXX is reporting the open date of XX/XX/XXXX and the last active date of XX/XX/XXXX. XXXX is reporting an open date of XX/XX/XXXX and the last active date of XX/XX/XXXX. I have informed both bureaus of the inaccuracies on my report and XXXX and XXXX refuses to delete this account from my reports and has not provided any valid proof or evidence as to how they are validating this account. If all three bureaus get their information from the same place, how is it that XXXX found that this account was inaccurate and deleted it but XXXX and XXXX hasn't? Furthermore, I have also reached out to XXXX XXXX directly to try and resolve this matter and they have not sent over any documentation or have tried to contact me in any way. It is illegal to report inaccurate information on a consumers report and not only XXXX XXXX but the credit bureaus are in violation of the consumer laws and should delete this account from my reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received {$700.00} from my employer, XXXX XXXX, via my Pay Pal account. When I attempted to transfer these funds to my personal checking account at XXXX XXXX, Pay Pal issued a message that I had been overdrawn on my account. The Transaction ID was XXXX. At no point in time have I ever been overdrawn on my account. I called Pay Pal and they transferred me to a collections agency, called XXXX, which informed me that someone had used my Pay Pal account without my authorization to make a purchase in early XX/XX/2023, even though I have never conducted a purchase with my pay pal account. Pay Pal is clearly engaging in financial fraud by retaining my paycheck. I need these funds to pay vital bills for food and shelter. I plead with the New York Attorney General 's office to compel Pay Pal to enable me to transfer my funds of {$700.00} which were sent to me on XX/XX/2023.
Product: Debt collection

LVNV FUNDING, LLC. C/O RESURGENT CAPITAL SERVICES, LP. They are attempting to collect on accounts ( s ) that were opened due to Identity theft. The Original Creditors are, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, who previously owned both of these accounts, removed me from liability. Now this Company is attempting to collect fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was financing a 2015 XXXX XXXX through it was totaled out my insurance paid XXXX on it my gap insurance didnt pay the rest due to it being wrote up in the wrong person name it has lowered my credit score tremendously