23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

There are XXXX Social Security Numbers associated with my Student Loan accounts that are supposed in my name and Social Security number only. XXXX references my student loan and the other belongs to someone else who borrowed {$59000.00}. I am not supposed to have anyone else on my student loan accounts. 
XXXX Navient employees acknowledged and explained how this happened. I recorded XXXX of these conversation with Navient. A XXXX  Navient employee sent me a payment history showing the student loans from this other person unknown to me on the same account that's under my name only. 
In addition to the XXXX different Navient Employees acknowledging a XXXX  Social Security number, a couple Federal Student Aid employees also confirmed that there is a XXXX  Social Security number merged into my account. I can not transfer my XXXX  year good payment history student loans to Federal Student Aid for relief without excepting someone else 's Social Security Number and payment history. 

DURING MY FIRST CFPB COMPLAINT ABOUT THIS UNKOWN SOCIAL SECURITY NUMBER ON MY STUDENT LOANS WITH NAVIENT, NAVIENT SAW THE PAYMENT HISTORY THEY MAILED ME IN XXXX AND NOTICED THE ACCOUNT INCONSISTANCIES AND INACCURACIES. NAVIENT IMMEADIATELY UPLOADED NEW PAYMENT HISTORY THAT WAS EDITED TO REMOVE THE XX/XX/XXXX AND XX/XX/XXXX STUDENT LOAN AMOUNTS TOTALING {$59000.00}. THIS RESPONSE CONFIRMSTHAT THEY ARE INTENTIONALLY MISREPRESENTING MY DEBT. 

AS A RESPONSE TO MY LAST COMPLAINT, NAVIENT RESPONDED SAYING THAT XXXX XXXX USED THE FIRST XXXX DIGITS OF MY SOCIAL SECURITY NUMBER AND XXXX ADDITIONAL ARBITRARY. XXXX  OFF THIS WOULD BE FAILURE BY DESIGN SINCE XXXX OF THESE MATCHES MY SS # EXACTLY AND ONLY HAS XXXX ARBITRARY NUMBERS. XXXX, XXXX OF THEIR EMPLOYEES HAVE ADMITTED AND SPOKE AT GREAT LENGTHS AS TO HOW THIS HAPPEND ON MY RECORDED PHONE LINE. I OWN THE RECORDING. IF THAT IS NOT ENOUGH I HAVE THE ACCOUNT HISTORY SHOWING SOMEONE ELSE 'S STUDENT LOANS OF {$59000.00} BEING ADDED TO MY ACCOUNT AND THE COVER UP BY NAVIENT TO HIDE THOSE DOLLARS. 

During my initial efforts to address these issues with Navient XXXX XXXX from Navient did not read my complaint referencing a XXXX  Social Security number. Instead of investigating a XXXX  SS #, XXXX verified that my SS # was correct and completely ignored my reference to an unknown SS # on my account. After XXXX ignored my complaint she would not investigate any further. In retrospect, I can only assume this is acknowledgement of the XXXX  SS #, and another attempt to misrepresent my debt with Navient in violation of FDCPA. 

Multiple times during my complaint, Navient reps kept trying to get me to transfer the debt to Federal Student Aid regardless of resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , FL XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

XXXX, XXXX and XXXX of 2020. At the beginning of Covid, Capital One has reported late payments on my credit report for these months. I thoroughly explained to Capital One that a bank error ( due to Covid ) caused some type of payment reversal. The bank explained to me that this was their error and apologized. However, their apology did not fix my problem with this reporting on my credit report. I wrote to Capital One, XXXX, XXXX  and XXXX  explaining the problem. No one as helped. They know darn well when the pandemic hit, lots of businesses experienced all type of problems of computer issues due to staffing etc. This issue caused a significant drop in my credit report. I had been trying feverishly to stay on top of my credit after experiencing problems in the past. I vowed to never be in that situation again unless some tragic happened that prevented my from paying my bills. This was not the case at all. I had plenty of money in my account to cover the XXXX XXXX monthly payment. It was not until months later that I found out about this error after reviewing my credit report. This has caused me great undue stress and I want it fixed ASAP! Or I will push further and be a thorn in the side of Capital One, XXXX, XXXX and XXXX They can clearly see that I had a 3-4 year perfect pay history on this account. They shouldve taken this into account after I pointed out the error and explained what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX about this issue, they show multiple inquiries in reference to purchases I made. eg : I purchased a car from XXXX XXXX XXXX ... ..3 inquiries hit my credit record for one purchase. This has happened on many of the items I 've purchased. So now my credit report shows 3 to 1 ratio ( inquiries I made to the ones that actually hit my credit record ) on many of the purchases I 've made. Now I ca n't get credit and my Bank ... ..XXXX XXXX XXXXXXXX is reducing my credit because of these additional inquiries. I 've talked with XXXX  twice about this and they refuse to delete the additional inquiries so that they reflect what actually occurred. They said it 's not up to them? I asked : who then? They said they will drop in 3-7 years ... ... ..not acceptable as I 'm denied credit in the interim. 

There were also several inquiries made on my credit report that I did n't even recognize. They would n't do anything about them either.

XXXX and Experian were contacted because of the same issue and all 3 still report similar information in error.

I make a six figure income, have well over 750 credit score and pay my bills on-time ... .NO LATE PAYMENTS EVER ... ..yet I ca n't get credit ....

What can I do about this legally? Can CFPB help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I field a dispute against XXXX because the seller sent me the incorrect item. Unfortunately when attempting to return the product, XXXX blocked access to my account and suggested I dispute with my financial institution. Upon filing, Capital one requested information which I faxed almost immediately each time & they closed the case saying they didnt receive what they wanted. I have all my faxs saved that included : purchase info, explanations, wrong item proof, XXXX chats, 3rd party seller response, XXXX  policy, 3rd party seller policy & more. It was for a transaction on XX/XX/XXXX for {$550.00}.
Product: Credit reporting or other personal consumer reports

For more than a year now XXXX has been reporting a wrong credit score on my Credit Karma profile. My score is being reporting over XXXX points wrong there and its cause me to be denied credit as well as receiving very high interest rates or very low limits if approved for anything at all. This has been going on for way too long and its really hurting and affecting my livelihood. On the XXXX site it shows a more accurate score but not across this other platform. Its also reporting a derogatory statement which is a collection that only shows on Credit Karma and doesnt even show on the actual XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To start, my phone I had w/Cricket got hacked, shut off. This resulted in the hacker pulling out funds from my bank acct, bank unable to contact me. Ive went thru all the necessary steps to report the fraud. A fraud alert on my credit reports. Credit score tanked. ( Story : I am told reason for my score ( was XXXX, then XXXX at fraud to now XXXX ) was debt, meaning my credit cards. One is a late payment from XXXX, who seems to manipulate the payments. I am a co-signor and my son sends in late. They take two weeks to process payments, thus one month behind ( Im really not too sure of it, as acct doesnt add up ) but they sometimes report two months. They add the 1 month late ( he send after due date ), and include the second month as being two, even tho technically the due date for the 2nd has not ended ). -- -- But lately, Experian, the one who reports to some of my creditors, have been sending me offers for loans and credit cards-this after telling me too high. One of them on the list is XXXX XXXX XXXX. I received today from : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX emails in my Spam folder. Leaving me to believe that Experian is selling my info, allowing these companies to contact me. THIS, after telling me I have too much debt! I thought I was opted out from offers, especially since the fraud was added.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was originally assigned XXXX as my loan servicer for my federal student loans following graduation. I enrolled in a qualifying repayment program in order to work towards Public Service Loan Forgiveness and within about a year I was transferred to FedLoan Servicing. FedLoan Servicing has now been my loan servicer for a few years. I am extremely frustrated with the lack of response to my repeated requests to review my qualifying payments towards PSLF. I have asked and asked for a few years now for an updated count of qualifying payments made while I was with XXXX. The FedLoan organization has so far only counted payments made since I was transferred to them. I make regular calls, send emails, and it goes nowhere. Their staff has gone from asking me to be patient, to blaming it on XXXX for not transferring my documents, to stating that actually XXXX did share my documents right away but it " takes time '' to review the file. It doesn't. I've done the count myself in a matter of minutes. You can easily confirm that I was in a qualifying repayment program and count the number of payments I made during my time with XXXX if you just take ten minutes to review my file. This should NOT take years. I have sent emails, talked to countless customer service reps on the phone, and even been told that I am not allowed to talk to the staff who actually handle the file reviewing because they do not take phone calls. I was not allowed to speak to a supervisor either. This is ridiculous and I intend to file a complaint with the XXXX XXXX XXXX, the Consumer Finance Protection Bureau, and I am also looking into lawyers. Does FedLoan Servicing understand that they are messing with people 's futures when they do things like this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided all three credit bureaus information regarding XXXX XXXX which included conflict of the original balance being reported to the credit bureaus and me I provided documentation to support the dispute as I have always done. on XXXX XXXX2017 XXXX sent me an email stating XXXX XXXX was being removed from my credit. based on Experian providing me documentation through my credit report stating the original loan balance was different from what the loan statement was. As of today, with all the documentation provided, XXXX continue to have this account as if it was dismissed in a bankruptcy. This account was never in bankruptcy. I have not received word on Experian in which provided me documentation of that they have raised my credit score. 

I believe I am one of those who had been hacked because my credit score was higher before the information was leaked now it is really low. the lowest
Product: Debt collection

I have written a letter to this debt collection agency Deville Asset Management on XX/XX/2019 to confirm the validity of this debt they are claiming owed in the amount of {$7500.00}. The letter was returned to sender, which is myself. I had requested that they sent me all the required notices that were supposed to be properly and timely given. I request that they provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. Also to please provide copies of the original contract of purchase of vehicle, notice of intent to sell motor vehicle, notice of redemption letter with proof provided in a timely manner for an opportunity to purchase vehicle back, Notice of deficiency including written accounting of remaining principal and interest plus resale fees. I sent it to the address that appears on my Credit Report as associated with this debt collector. But it wasn't able to be delivered. I believe that the information provided is not only invalid but that they have illegally reagged this account so that they can report it to credit bureaus in an attempt to collect a debt that is not owed to cause harm towards my credit. As they continue to report this invalid claim is considered to be a violation of the FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Block Fraudulent Inquiries Under FCRA 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern, I am writing to formally request the immediate blocking and removal of fraudulent inquiries that have appeared on my credit report as a result of identity theft. As outlined in the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies are required to block reporting of information that a consumer identifies as resulting from identity theft within four ( 4 ) business days of receiving a request. 

The following inquiries on my credit report were made fraudulently and must be blocked and removed immediately : 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  Enclosed with this letter, please find the following documents to support my claim : A copy of my government-issued identification.

A copy of my utility bill or other proof of residency.

A copy of the police report or FTC Identity Theft Report filed regarding this matter.

I expect Experian to comply with federal law and block the above-listed fraudulent inquiries from my credit report within the mandated four ( 4 ) business days. Additionally, please provide a written confirmation that these inquiries have been removed, along with an updated copy of my credit report reflecting these changes. 

Should you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided above. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Dear CFPB I have been struggling to pay my mortgage. I finally found a buyer and obtained a short sale approval from my first lender but I can not close due to my second mortgage. My short sale approval expires XX/XX/XXXX 

The second mortgage was owned by XXXX who sold it to XXXX  XXXX XXXX who sold it to XXXX XXXX and then it was service transferred Dyck O'Neal. Absolutely no one recorded either an assignment, service agreement or anything on my mortgage title. 

I am awaiting for both XXXX XXXX XXXX and XXXX who is XXXX to provide the proper assignment and/or servicing documents so I can close. 

Please assist me. I am desperate at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one account with XXXX that had XXXX purchases for XXXX to be paid on different days with XXXX. I was recently unemployed-Laid off from my job, I spoke to a representative at XXXX and advised him that I obtained a job and I was going to pay on the loans when I received my first paycheck on XX/XX/2023 and could not make my payments for XXXX, XXXX and XXXX until then. I eventually paid XXXX of the purchases and brought the account to current on XX/XX/2023 and paid the other XXXX purchases to current on XX/XX/2023. However, XXXX reported to credit reporting bureaus on XX/XX/2023 that I owed on all XXXX of these purchases and listed this as XXXX different loans on my credit and bought my XXXX XXXX down XXXX points. I received no good credit when I was paying XXXX  on time, however, when I got behind 90 days, they reported the account XXXX times as XXXX different negative entries instead of just reporting to my credit for XXXX total accumulative balance of all XXXX purchases. They just destroyed 20 years of building good credit over XXXX small increments of XXXX purchases for XXXX bad account. I can't believe the credit bureaus allowed this and I feel this has violated the fair credit reporting act. And the amounts they reported do not even match what was owed. XXXX of the purchases was paid before they even reported it XXXX times. If anything, there should only have been XXXX reporting for XXXX loans. The XXXX credit bureaus are a for-profit company and is allowing companies like XXXX to destroy people lives and XXXX XXXX by allowing them to list XXXX XXXX account XXXX times. This has to be illegal, and I will be seeking legal action because I believe XXXX violated my fair credit rights. I want these entries removed off my credit and my score back to current status. This XXXX company took my credit down from good to poor after 15 years of building when they know how difficult it is for XXXX Americans to gain a good XXXX XXXX with all the systematic laws against us to keep our credit poor to pay high interest rates. This would not have happened to someone else of another race. This was done intentionally to destroy my credit worthiness at such an financially hardship point in my life. The account wasn't even past due 120 days which is the time listed that they will report to credit bureaus through a third part collection agency. XXXX violated FCRA and I seeking resolution asap.
Product: Debt collection

On XXXX I sent a response to a Collection Agency named Portfolio Recovery Associates LLC who claim that I have a debt of {$970.00} through XXXX XXXX. This Account is not mine and the address associated with this account I have NEVER lived at. I have asked them to provide signed documentation that proves I have contractual obligation to this account and even asked them for a copy of their State Licence and number and they did not provide this. Per the Fair Debt Collection Practices Act they are to provide me with this data to prove that this is my account and they have failed to do so so they must remove this account. The only Proof they have been sending is credit card statements from years ago that dont even have my real address, this is not valid evidence that this is my debt, especially since I never lived at the address on those bills. They sent several letters to me with the same identical packet of information and nothinng new or what I asked them for.