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

To whom it may concern :. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. Please on my accounts that I have circled or an x by please provide that the items are reporting correctly from the Courthouse and not a third party, investigate if every piece of information is correct, and investigate and see if every piece of information is correct reported on the late payments and collections, and if all items are not reporting100 percent accurate, please remove them. One more thing I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my mailing you all have on file where my free credit reports where sent to me. Thanks I will upload my documents. I tried to upload documents but it would not let me select all of them so I will mail documents in first thing Tuesday morning by certified mail with a return receipt requested Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit report that I do not recognize. The following inquries I do not recognize nor did I authorize : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX off XX/XX/2016 misinformation on all three-credit reporting in which the account sent to two other collection agencies, and four the past six years paying repair companies and reinvestigations. on and about i called XXXX XXXX XXXX and was forwarded to another collection company in XXXX  and was paid in full, Experian shows thansfer XXXX and XXXX shows Charged off with different dates. 

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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to my consumer to any. Consumer reporting agency knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( https : XXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!! 

Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above. 

https : XXXX Mortgage Loan Originator NMLS # XXXX XXXX XXXX XXXX Mortgage ' XXXX My spouse called and spoke with this individual who simply identified herself as XXXX. She did not indicate she was from a mortgage lender. She accepted information on myself and my husband with what he thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted me directly to consent to this inquiry. My spouse was NOT aware this was for a mortgage application or loan as she never identified herself as such. I called her directly later in the afternoon after receiving an email that my credit had been pulled. She answered the phone with " XXXX '' to which I asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once I realized she pulled our credit, I queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself. 

I called again later in the afternoon after checking my credit report via creditkarma. I explicitly advised my credit was pulled with my date of birth and social security without consent. Same for my spouse. There was no formal application with signature on either of our ends. I had never even spoken to her. I asked if there was a way for her to report the mistake to the XXXX XXXX ( XXXX ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing. 

PLEASE ADVISE. I attempted contact with XXXX XXXX ( XXXX ) directly but was advised I needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per the issue. 

Information attached is only after I reviewed my credit report and realized she is with a mortgage lender and not to screen for VETERAN eligibility related to the house/listing. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting verification of the following account that Experian continues to report on my credit file. California Federal Court-XXXX XXXX # XXXX. XX/XX/2018 I sent letter requesting document on verification of this acount. On XX/XX/2018 Experian responds with account verified with no document on how account is verified. I called Experian asking how account was verified they state it was verified with original furnished. On XX/XX/2018 I sent a letter to California Federal Court-XXXX XXXX. They sent back a letter state, We do not verify information for credit reporting agencys. I called Experian after receiving letter stating California Federal Court-XXXX XXXX do not verity account and requested how was this account verified. They stated a third party verified the acccount but they can not provided with the name of the third party. XX/XX/2018 I sent Experian the letter from the court and demand documentation on how this account was verified. Experian again state the account was verified and not provide proof on how account was verified. Under the Fair Credit Reporting Act 15 U.S.C 1681g Experian have to funish documentation on how account is verified. Also Equifax and TransUnion was unable to verified account, how did Experian verify when the other two bureau was unable to verify and deleted account.
Product: Debt collection

Wakefield and Associates XXXX XXXX ) and others This company continues to call me and they leave messages for the previous owner of the phone number because of debt collection. The calls start as early as XXXX XXXX  and go into the night. Frequently the calls are repeated if I push the decline number. They call back on different phone numbers within 2 minutes and do not always leave messages.

My phone number is on the Do Not Call List and I do not have any outstanding debt of any kind. They call looking for XXXX not XXXX. I need your assistance to have them delete my number from their records and to cease calling me. 

They are trying to collect debt from +++ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX That is not who currently owns this phone number. Their calls are harassing to me. 

Proof of all the calls is available if necessary.
Product: Student loan

In XXXX, Navient reported me as 30, 60, and 90 days late on my account. I filed for a loan consolidation and a repayment plan. I have submitted my paperwork approximately 5 times now, but every time I turn around, they say the never received the paperwork and that I'm hundreds of dollars behind on my account. 

They either put my account in forbearance or deferment instead of getting me on an affordable payment plan. At this point, I'll never be able to repay all of my loans because of the interest rate.
Product: Debt collection

On XXXX I disputed with Midland and requested validation of debt.I listed several items in my request. In response Midland sent a bill requesting me to validate debt myself. Which I can not do being that I do not and never had an account with this agency. 

Out of retaliation of my request Midland also placed a 2nd collection account on my credit reports with a different amount owed. On the first collection account they placed the following remarks ; '' Account information disputed by consumer, meets FCRA requirements. '' On XX/XX/2019, I sent a second request for validation of debt. This second request was received by Midland on XX/XX/2019. In this second request, I asked Midland to either send items requested for validation or remove this item from my credit reports. In response, Midland again sent me a bill. 

Per the FCRA the creditor had 30 days to submit verification of the debt which they failed to do because I do not have a contract with this creditor. A bill does not suffice. The creditor has no contract with MY SIGNATURE on it that shows verification or permission from me to allow my information to be shared.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mountain full of unauthorized inquiries reporting on my credit file. Months ago I lost my Id therefore I'm assuming this is the results, please remove, delete, and / or block the following inquiries from my report. 

1 ) XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX (XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX  ( XX/XX/XXXX ) 10 ) Transunion ( XX/XX/XXXX ) 11 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX ) 15 ) XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitol One regarding late payment from 2017. In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have a right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

On XX/XX/XXXX XXXX XXXX XXXX received a payoff letter from Novad stating the total partial claim amount was {$15000.00}. Novad had two liens, XXXX in the amount of {$6100.00} and XXXX in the amount of {$9700.00}. XXXX is requiring that the payoff letter states that both liens from XXXX and XXXX be released with a total payoff of {$15000.00}. XXXX says that they have had experiences with Novad in similar situations where Novad had come back to collect on undocumented liens. I have tried changing title companies and this issue is a roadblock and non-negotiable. No one wants to be liable. 
Between XXXX and myself we have contacted Novad by email or phone call 11 times. My calls have been escalated from the call center multiple times. I have been connected with the help desk who have sent emails to upper management and Novad. I have asked to speak to upper management and was told they are not available me. I was told that the only thing I can do is call back every 5 business and they would send an email to Novad on my behalf. 
On XX/XX/XXXX Novad sent me a duplicate payoff letter without any requested clarification or communication from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following has violated my rights : XXXX XXXX  XXXX 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.
Product: Debt collection

On XX/XX/2020 at XXXX XXXX  I called Performant to ask for more information that would validate the debt is mine and detailed tax account transcripts and tax transcript. According to the notice sent there is a 30 day period from receipt of the letter. Received on XX/XX/2020 although dated XX/XX/2020. 
Spoke with XXXX XXXX # XXXX. XXXX was more interested in making sure she had collection information that would enable Performant to collect the debt instead of honoring my request to send information that I have requested. 
I requested a fax number where I could send a letter disputing the debt and the collector ignored my request and continued to state her claim that I owed the debt and how much. More interested in gathering my contact info. 
I should not have to verify information before I validate the debt is mine and the amount is correct. 
Under collection laws any acknowledgement to amounts is validation to the debt. The collector was trying to validate the debt, instead of setting it up for me to receive the information requested. 
The date of the letter is XX/XX/2020, it was received XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I am rightfully exercising my rights in good faith under the Fair Credit Reporting Act. I have recently discovered as of XX/XX/XXXX, that there are to companies in my credit report and consumer reports that have illegally re-aged the account I had in connection with these companies. Both these companies are XXXX XXXX XXXX XXXX XXXX. I have filed an FTC report regarding these accounts for fraud. This are inaccurately reporting on my consumer reports and are damaging my credit reputation due to incomplete information and the re-aging of the account associated with these companies. The date of last activity for XXXX XXXX  report as account number : XXXX XXXX XX/XX/XXXX, EXPERIAN XX/XX/XXXX, XXXX XX/XX/XXXX, account number : XXXX Dates of last activity for XXXX XX/XX/XXXX XXXX EXPERIAN XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX This account has not been paid since XX/XX/XXXX, and XXXX XXXX account number : dates of last activity are for XXXX XX/XX/XXXX, EXPERIAN XX/XX/XXXX, and XXXX XX/XX/XXXX. The last payment made on this account was in XX/XX/XXXX. These companies are in violation of 15 USC 1681s-2 ( a ), FCRA Section 605 for Identity Fraud, and 18 USC 1001 . Block and remove these accounts. Delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no reasonable explanation for my credit score to go from XXXX XX/XX/2021 to XXXX XX/XX/2021. My credit score has been over XXXX for more than 10 years. There was 1 late payment during the specific time period. A excellent credit scores mean the world to me for many reasons. 

I spoke with XXXX representatives with no satisfaction. They told me to look at the report for the answer. Their system calculate the score based on the information in the report. I need HUMANs to look at my case to assess this flawed process. 

I requesting you intervention and support with this matter.
Product: Debt collection

In late XXXX of XXXX EOS CCA sent a letter regarding a debit owed to XXXX. Upon receipt of this letter I called this company as my only account with XXXX is paid and up to date. My immediate reaction was to request proof of this debt to resolve this issue as when I called XXXX they had no record of this. This took place XXXX XXXX, XXXX. Following that conversation I heard nothing from this company until this week, when I received a letter date XXXX XXXX, XXXX that provided a copy of a bill for service in the amount of XXXX dated XXXX XXXX, XXXX. This bill not only lacked any detail to identify what services were in theory provided, but also was for service that I never lived at or received services at. When I brought this to the attention of XXXX, they said they could do nothing as they had already sold the debt and it did not matter that their error caused this. I spoke with a XXXX XXXX and XXXX XXXX ( XXXX ). I was supposed to receive a call from a XXXX XXXX but have not received a call. When I spoke with EOS CCA. They did provide me with an extensive amount of work to do to correct their error, but their only acknowledgment of the delay was it was how long it took their customer to provide the proof. Additionally, they refused to provide me an accounting of all the people that had access to my PII. When I asked for supervisor in their consumer relations department I was promised someone would call me back, an XXXX XXXX XXXX XXXX XXXX, within 24 hours. This was 3 days ago.
Product: Student loan

I was coerced into using my forebearance by a representative at the company the moment my first payment was due. I explained my income and that the payment was not affordable and they directed me towards forebearance as an option. Once my income increased, I began paying my loan, as to not continue to allow interest to accrue. Again, I was misinformed on payment options. Given a payment plan that would just increase their financial gains and not impact the actual balance of my loan at all. They futher declined to inform me that the payment amount that was given to me for the plan DOES NOT even cover the interest that accrues every month. I have been paying my loan for 4 years straight not missing a payment. The site says that I have paid -11 %. It should not be legal to even offer an amount that does not cover interest. I could afford to pay double my amount paid and had this information been communicated to me I would have done so. It would not have been comfortable to pay but sacrifices would have been made. After giving so much after four years it is completely devastating to look and see that your loan is never moving. I feel like NAVIENT should incur the cost of my interest the past four years and put my payment towards the actual loan. They were deceitful in their practices and even the site does not correctly portray my payment status. I did n't realize I was n't making an impact until I signed up for credit karma and was shown an overview of my loan and all of my past payments. The navient site needs to correctly display your payments and loan amount in a way that portrays what is actually happening. You are becoming negative in your loan by accepting forebearance or a payment that is lower than the interest. Their needs to be a sense of transparency in banking the same way it is placed upon other industries. Your interest paid per month should be displayed in comparison to the actual payment. I did not choose the payment amount. The bank maliciously gave me an amount too low to cover the interest rate in order to take advantage and make financial gains on students who are already facing unemployment or under-employed in this economy. At this point I was looking to purchase a house and expected my loan to be down to {$25000.00} and was shocked to realize it increased {$5000.00}. In all fairness, Navient should match the equivalent amount of all payments made since 2013 put directly towards my principal. They arbitrarily put a portion of my payment towards interest and the rest towards principal. Throughout the statement the amount constantly changes. Sometimes only putting XXXX dollars towards my principal or nothing towards the interest. Then there are random capital interest charges that were never explained. Please let me know if I have any documents that can be of assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraudulent hard inquires that need to be removed from my credit report. I am a victim of identity theft and I did not apply for anything. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2023, XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual JXXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2023, XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX Location XXXX XXXX  XXXX XXXX, VA XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX, MN XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/2023 Phone ( XXXX ) XXXX Inquiry Type Individual
Product: Bank account or service

this is the second bbva compass bank has rearranged my ebit transactions to char me XXXX or XXXX overdraft charges, I have made several purchases during the week of XXXX/XXXX/16 thru XXXX/XXXX/16, I had an emergency with my car and swiped a purchase for a new tire. I accept during this transaction I did not have the funds but I was scahrged twice for this purchase. then I looked at my account and it said I have a positive balance of {$1.00} but how is that possible if I was charged XXXX nsf charges of {$38.00}.
Product: Money transfer, virtual currency, or money service

I was locked out of my Coinbase account, and have been attempting to contact customer support for three months. No one from the company has allowed me access to my funds in my account.
Product: Credit reporting

They did not fix.. I have proof of time of account open, the whole system is automated and no human interaction. They have incorrect info and do not correct.
Product: Checking or savings account

Opened an account on XXXX. Deposited XXXX dollars. Accessed the mobile app fine and setup direct deposit with my employer. I logged in to make sure my direct deposit made it in the account and it said my mobile banking was locked. I called the number provided and they said I would have to drive XXXX miles to the nearest branch to get access to my account.