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

My vehicle was totally out and I had Gap insurance. My Gap Insurance paid the balance which was XXXX on XX/XX/2019. On XX/XX/2019 it left me a balance of {$240.00}. I reviewed my account and called Santander and the representative stated I have a balance for {$510.00}. I asked the representative to explain to me why my balance increased. The representative couldn't tell me the reason why because he didn't understand why. I ask to speak to supervisor he stated no one was available to speak to me at this time. I review my credit report and Santander report late payment for XXXX for {$62.00}. I never receive any statement from Santanter stated I owe {$62.00}.
Product: Student loan

I have been requesting information from Aidvantage to send me proofs that these student loans belong to me, Im requesting documents with my alleged wet signature. If they can not provide the requested information they must delete these student loans off my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XX/XX/2022 ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX , XXXX , XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AR XXXX ; XXXX XXXX XXXX , AR XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report un following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRU consumer to whom it relates. I NEVER gave any consumer reporting agency WRITT to report anything on my consumer report which violates my rights as a federal prote consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delet f the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following listed dates below my information was used to place inquiries into my credit file that I did not authorize and I have filed multiple disputed with the credit bureau and they tell me that within 1 day that they find the information to be factual and are refusing to removing to remove it from my credit report. However they have acknowledge and placed the fraud alert on my credit file but still have these fraudulent inquiries on my file. They have not produced any documentation to me that shows how they conduct these investigations and I find it suspicious that they are able to do so in 1 day which is the timeframe that I filed my most recent dispute and received a response dated that same day. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX LL XX/XX/XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking, I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency XXXX and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few XXXX credit card Accounts listed below. This request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A DEROGATORY ACCOUNT AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN AUTHORIZED BY ME. PLEASE CHECK INTO THIS MATTER AND HAVE IT RESOLVED AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Synchrony Bank refuses to provide account agreement. They've never sent me any agreement, and have refused to provide me my signed agreement, and have hung the phone up on me when attempting to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early this year I completed and mailed in the form on the CFPBs website requesting a free copy of my credit report from each of  XXXX ,  XXXX  and Trans Union.
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As of today,   XXXX    XXXX , 2017, I have not received a copy of my credit report from any of them this year.
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I am applying for a mortgage and must get copies of my credit reports.
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Please force each of these credit agencies to send me a copy of my credit report without further delay.
Product: Student loan

Navient recently wrote me a letter XX/XX/XXXX stating they own a student loan ( s ) in my name. 
I am requesting Navient to produce the.chain of custody they own student loan ( s ) in my name. 
In the letter Navient sent two documents consolidated loan and repayment but both forms do not bear my signature. 

The FFELP Federal Consolidation Loan Application And Promissory Note form is a print name dated XX/XX/XXXX and XX/XX/XXXX the form state this is WEB form and not for public use. 
The form also state no printed name, no e -signature, no print e-name or the application will be rejected. The form state you can only mail in the form. 
The form upper right hand corner list me and the WEB as the lender. My signature is not on FFELP consolidation loan and application. 
The second document Loan Consolidation Disclosure Statement And Repayment Schedule does not have a lender name nor lender identification nor address. The typed form is missing money {$4100.00} from original amount borrowed {$53000.00} under original creditor. In XXXX their was no lender name XXXX XXXX XXXX XXXX the company did not register until XXXX for private student loans only. The form has no company identification. The months of payments are XXXX not XXXX in which make the amount owed wrong. 

The letter Navient sent stated I had a balance of {$6100.00} but Navient is appearing on my credit report as owing {$73000.00} as of XX/XX/XXXX after their XX/XX/XXXX investigation. That is a difference of {$12000.00}. Navient has damaged my credit score. This show Navient is wrong about student loans in my name they did an investigation. The letter state and the investigation was confirmed in XX/XX/XXXX. 

Sending a copy of my credit report to Navient. 

Thank you, XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

The money I had sent was someone selling gift cards on XXXX. I have never had any problems until now I contacted XXXX and Paypal and both said there was nothing that could be done. So as of right now he has my {$50.00} and I have no product from him. I am just trying to figure out what to do so this doesnt happen to anybody else and see if there is a way I can get my money back.
Product: Checking or savings account

Citi bank On XX/XX/2018, I opened a saving and checking account and I was told by the representative that I will receive {$400.00} bonus if I keep the accounts open and maintain the balance above {$15000.00} for 60 days which I did. 

After 60 days, Still no bonus, I called the citi. They said they need 90 days for investigation and ask me to keep the account and money in the account. 

This is a FRAUD ... 

Citibank case # XXXX
Product: Student loan

The company sent another generic response post dated beyond when I again brought up that I can not access my account. 

At the time of my initial message as noted in the previous letter shared by Nelnet, XXXX mentioned I had confirmed I could access my account- this was correct. Nelnet then removed my access as a result of engaging my attorney- its retaliatory. 

My information was correct, I had no issues with my password or login credentials - I now can not access my account. Its not a password lock out, Ive saved screen shots and corresponding collateral as reference. 

Restore my account. Whatever needs to be done so I may view debt, disclosures, and other information as I so please as is the same access granted for other borrowers. 

I will continue to file complaint after complaint until my access is restored. Instead of a canned letter- have your team correct the issue instead of resorting to repeating information seemingly aimed to further impede my ability to understand whether Nelnet is again fraudulently withholding payment, inaccurately reporting interest accruals, etc - restore my access. 

For clarity, and hopefully to actually resolve the issue, I do not need help resetting my password - Ive tried this numerous times with confirmation of acceptance only to be locked out - Nelnets IT Admin needs to correct the account issue on the backend by either resetting and sending me a link to restore etc.
Product: Mortgage

I have submitted numerous complaints with the cfpb, and each time the complaint is completed it is sent to Wells Fargo and it is sent to there loss midigation department and the same representative. 
The resolution provided are by far true. 
Conversations with the rep have clearly stated there were errors made with my title and that they have filed a claim with the title company. they had indicated they were investigating only to send me a letter stating they answered the complaint in XXXX. 
I have furnished them with a XXXX page complete title report in which there were XXXX liens prior to my modifcation and insist it was an error by XXXX XXXX. Sadly we know that not to be true that a complete title was not ordered by Wells Fargo, if it was, the facts would be there. They stated they showed a judgement when i completed the modification which we all know judgement 's do not show on title. The lack of purpose or meaning to the people at Wells handling this case is totally unexceptable. 
They claim to have people working on this issue in different departments but there is no true resolution since they cant admit the errors they made. 
I also had advised the rep of calls from there people in title calling and yelling at me telling me 6 months later that i had to resign a duplicate mortgage because of mistakes made, and there response is they spoke to me acceptable. Acceptable and no explanation on a duplicate mortgage?? Yelling at homeowers is still acceptable by Wells? 
I asked recently about a principle reduction that XXXX XXXX is offering and i was told i was n't entitled since i was n't behind in my mortgage in XXXX. XXXX XXXX rolled this program out prior to XXXX, and with just receiving the appraisal on my home 2 years later showing my property was worth XXXX in 2014 and a modification was given to me for XXXX?????? who does these things. They just send a letter apologizing???? That 's not legal! Neither is allowing a modification with with liens on property. 
I dont get with the OCC involved and all the new laws protecting borrowers how all these mistakes were made and are still being made. 
The office of the President doesnt review complaint, but sends these letters down. 
Does anyone care? 
Last is my insurance that was taken when i received my mortgage that clearly had the proper insurance that covered the condo fees if any errors on title were made, and Wells is saying that the policy did not have any. I do n't know how that is possible since i paid for it with Wachovia who Wells purchase but when they completed the mod they didnt include it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made payment on time and still got late charge on my account. My credit dropped 22 points
Product: Checking or savings account

I have tried to withdraw my money from Truist bank but they refuse to let me due to them saying my account is under a review for a extended period of time. They won't provide me with any information to why my account is under review and blocked.
Product: Mortgage

I have a mortgage with Santander Bank under a special FHA program. I experienced some financial issues back in XX/XX/XXXX and XX/XX/XXXX where my hours for work were reduced due to weather because I work for XXXX. So during those months I had two bounced checks for my mortgage. I paid XXXX late in XXXX, paid XXXX on time and XXXX was paid on XX/XX/XXXX. When XXXX XXXX check bounced I called and a representative tried to get me to go into forbearance, I actually agreed but I did not understand all the details so I called back to cancel the program. Today I called to make my XXXX payment and was told that my checking account has been blocked due to insufficient funds transactions. The only way I am allowed to pay my mortgage now is to go to XXXX XXXX and pay almost {$20.00} fee or get a certified bank check and send it via mail. I asked the representative if this was happening because I made an error requesting forbearance? She said no it is two different processes. Then I asked why did the bank accept my XX/XX/XXXX payment and they said because it was for XXXX XXXX payment.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Inquiries : 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
Product: Credit reporting or other personal consumer reports

Un-Authorized Inquiries 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
Product: Credit reporting or other personal consumer reports

SYNCB/CARE CREDIT, Account Number : XXXX, Individual Credit Card . 
This account was paid and closed but was created fraudulently due to identity theft. 

Additionally, I previously dealt with similar cases involving XXXX XXXX XXXX and XXXX XXXX under Case No. XXXX, filed on XX/XX/year>. This case was resolved and closed in the XXXX XXXX XXXX XXXX XXXX, XXXX of XXXX, confirming the incidents of identity theft. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of this incorrect account from my credit report. I have attached supporting documentation for your reference, including proof of identity theft and court records. 

Please review my request promptly and confirm the removal of this account
Product: Debt collection

I was not notified that I had an outstanding debt with Coast Professionals. As a matter of fact I didn't receive any type of notification from the agency that I had a debt until I filed a dispute with XXXX. I was only after I filed a dispute that I received a notification in the mail. The dispute was returned without explaining to me why it wasn't taken off my credit report. My credit score went from an XXXX to XXXX over a {$600.00} debt that I didn't even know about. Someone with an XXXX score would not have a problem paying a {$600.00} debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have never applied for credit in the years before. When i started to check my credit in 2017 i realized that someone was using my social security to work and to obtain credit. I filed a identity theft report. All accounts have been removed from my accounts that were not supposed to be there but 2. XXXX account and Chrysler capitol. I NEVER signed any paper work or obtained loans from these creditors. I asked Chrysler capitol to give me information on the person that obtained the loan. They didnt want to. They just kept saying that these are my loans. THEY ARE NOT. They didnt have any employer information, how would they give a loan to someone that didnt have a job? i need this removed from my credit NOW!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My former wife acquired a property in XXXX. I was never on the deed to the property and never lived there. She obtained at least two home equity lines of credit and one mortgage while she owned the house. I was not listed on any of the notes. Since Illinois has homestead laws, I signed a release that I will have no ownership interest in the property and that it will not be a marital asset. The name shown on the notes was " ( her ), married to ( me ) ''. She alone signed the notes, and I only ever signed the homestead release. The loans were originated with XXXX in XXXX, XXXX, and XXXX. In XXXX, XXXX was acquired by XXXX XXXX, and in XXXX, XXXX XXXX was acquired by XXXX. In XXXX, XXXX filed a Lis Pendens against BOTH of us. I am now trying to get a mortgage myself, and I only became aware of this when my credit was pulled and my mortgage company told me I had THREE mortgage collections with XXXX XXXX  and a recently closed mortgage with multiple late payments. By searching public records, I found out that XXXX sold one of these debts to XXXX XXXX  XXXX XXXX in XXXX of XXXX. On the Assignment of Mortgage that is public record, it still lists the borrower as ( former wife ), married to ( me ). I never had any association with this property, and I was never obligated on any of these mortgages.
Product: Credit reporting

I am reviewing my credit report for errors. It says I have a late payment on a student loan and it is incorrect. The report says 60 days later in XXXX. I dispute this information. I request that it is removed. 

Account Number - XXXX XXXX Account Name - WELLS FARGO EDUCATIO AES/WLLSFRGO Account Condition - Closed Closed Payment - Paid Paid Account Balance {$0.00} {$0.00} Balance Date - XXXX XXXX High Balance - {$5500.00} {$5500.00}
Product: Debt collection

I have asked this company to stop contacting me and they continue to call me everyday, several times a day and today they called me at XXXX pm.
Product: Debt or credit management

Credit karma said u was pre approved and or had excellent approval odds multiple times also that searching thru their qpp wouldn't add hit on my credit report which clearly is untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Tel : ( XXXX ) XXXX Email : XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, DE XXXX Our Account Number : XXXX XXXX Account # : XXXX Original Creditor : XXXX XXXX XXXX Amount as Listed on Credit Report : {$2600.00} Dated : XX/XX/XXXX To Whom it May Concern : RE : Deceiving or Misleading you while trying to collect a debt. 

On or about XX/XX/XXXX, I opened a chase credit card account with a credit limit of {$4500.00}. XXXX closed my account without notification or any reasons why it was closed. The account went into default there after. On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX, a Agency hired by XXXX XXXX XXXX made contact with me regarding the account in a settlement to delete. I immediately agreed to a settlement to delete all information from all 3 major credit bureaus for {$900.00}. XXXX XXXX was hired my XXXX XXXX XXXX to collect the debt. After the settlement was made XXXX XXXX and XXXX XXXX XXXX refused to remove the debt from my credit file as promised. Instead they have lowered the amount and place a notification on my credit stating : Paid in settlement. {$3500.00} written off. 

Debt collectors are prohibited from deceiving or misleading you while trying to collect a debt. Debt collectors are generally prohibited under federal law from using any false, deceptive, or misleading misrepresentation in collecting a debt. 

I was deceived by XXXX XXXX and XXXX XXXX XXXX to collect the debt. I am requesting that XXXX XXXX XXXX either remove the account completely from all 3 major credit bureaus or refund the {$900.00} that they lied to collect. 

I have filed several disputes to XXXX XXXX XXXX and they refused to respond to my request. 
I have attached copies of the payment receipt and copy of the settlement agreement. 

Respectfully Submitted, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XX/XX/XXXX -- {$110.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$110.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$660.00} XXXX XXXX XX/XX/XXXX -- {$3800.00} XXXX XXXX XX/XX/XXXX -- {$3800.00} XXXX XXXX XX/XX/XXXX -- {$3800.00} XXXX XXXX XX/XX/XXXX -- {$11000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$740.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$580.00} XXXX XXXX XX/XX/XXXX -- {$99.00} XXXX XXXX XX/XX/XXXX -- {$99.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$480.00} XXXX XXXX XX/XX/XXXX -- {$580.00} XXXX XXXX XX/XX/XXXX -- {$840.00} XXXX XXXX XX/XX/XXXX -- {$840.00} XXXX XXXX XXXX XX/XX/XXXX -- {$260.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX