23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filed a complaint about this account from XXXX XXXX on XX/XX/2024 and the account was removed or deleted but was recently put back on my credit report by another collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding the incorrect items on my credit report It has been well over 30 days, and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive ask Experian to validate the debt and/or an affidavit of truth yet to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 the Department of Education consolidated my student loans to reflect one ( 1 ) Education loan. This was due to them having multiple loans open under one loan umbrella. During this time there were several late payments that occurred from the Dept of Ed not being transparent with payment methods and dates, i.e. I took a leave of absence from college before returning the next semester. 

However, when these loans were consolidated they were supposed to close out all negative aspects of the previous loans. On XXXX and XXXX this indeed was done. On Experian, they continue to populate the closed debt reports as of late payments. I tried numerous times and also spoke to employees of this credit agency to rectify the issue. They refuse to abide by the law and perform their required duty.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received documentation that my request to remove my cosigner was denied for " insufficient income for amount of credit requested ''. For a number of reasons I believe this determination is unjust and inappropriate for my current financial situation and the current guidelines in place by XXXX XXXX to remove a cosigner. No where in the application does it state that I must have a certain dollar amount of income yearly to be approved for the cosigner to be removed, even with that being said I make a very decent amount of income for my age and debt- very easily making monthly payments. According the cosigner release form the guidelines to be met are of the following : I must complete the entire application, which I did. I must meet the age requirement of 18, which I have. Provide graduation completion documentation, which I did. Be a US Citizen, which I am and forever will be. Provide proof of income, I provided my recent pay stub along with my W2- with a very reasonable income. Be current on my service loans and with in the past 12 months, which I have been in repayment for over a year now and have never missed a payment. The next is demonstrated a satisfactory payment history for the last 12 months. And finally no student loans in hardship or forbearance, which I have never had. They did state they would run a credit report the support the fact that I will be able to assume full responsibility for repayment of loans and to make sure there are no signs of bankruptcy, open foreclosure, student loan default or delinquencies. So at meeting all these guidelines and applying, I had no concerns of having my application not being accepted. Then when I received the form on XX/XX/XXXX stating my income was unsatisfactory, I strongly disagreed. On XX/XX/XXXX I requested a form from XXXX  to dig further into why I may have not been accepted. The same time I had called and spoke to XXXX XXXX about it and the representative told me that I had no grounds to dispute the subject. I am currently awaiting a response from XXXX  on the grounds that they used my old income to calculate the report versus the W2 I had submitted. I have a decent credit score and steady income, currently I have no assistance from the cosigner on my loans and am making payments in full.
Product: Mortgage

I am being pushed to accept a mortgage on my home I never agreed to pay. 
The lender produced a Trustee 's Deed where the grantor transferred the property to the grantee, and claimed this obligated me to pay the mortgage. 

In Colorado, a trustee 's deed must be accompanied by a promissory note and must be in writing. 
It must clearly state the exact amount the borrower has to repay. The borrower has to sign the document. Without the borrower 's signature, it's not legally binding. The lender can sign the document, but it's not mandatory. 

I never signed, or even saw a promissory note. 

I was never contacted by the company that holds the mortgage, nor notified in any documents that there was an unpaid mortgage in regard to this property. The money owed was never mentioned in any communications during the course of the property transfer - until after a Quitclaim Deed was filed in my name. 

This can't be binding, or legal.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments Below are the accounts in question : XXXX XXXXXXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX. 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the
Product: Debt collection

I HAVE SENT CREDIT BUREAU ASSOCIATES 3 REGISTERED LETTERS IN REGARDS TO AN UNKNOWN ACCOUT ( XXXX ) THEY HAVE PLACED ON MY CREDIT. TO DATE IT HAS BEEN 7 MONTHS AND THEY HAVE NOT RESPONDED TO ME BUT THEY STILL REPORT THE DEBT. I HAVE A POLICE REPORT ON FILE WITH THE XXXX POLICE DEPARTMENT.
Product: Student loan

Good Morning, So here is my issue I 'm more concerned with how to fix the problem with private loans as I have no issues with the one small loan I have as a XXXX federal fixed rate loan. I graduated in XXXX XXXX and it 's like I 'm paying a second mortgage back ( over $ 40K ) after consolidating years ago on several fixed rated loans through XXXX XXXX, now known as Navient. I wanted one bill instead of several so I made that mistake, I will never consolidate again!! Learned my lesson. I have reached out to Navient multiple times and they keep saying the same option and only option I have. Their forbearance option is a joke!!!! Why would I want to raise my interest as it sits for 4 months unpaid and pay them {$50.00} more dollars to set that plan up!!! Navient is not willing to work with me on anything to get a lower monthly paying and it 's almost up to {$300.00} a month as the interest on this loan as has risen 3 times in the past 3 to 4 months. My husband and I both work FT and very hard but this bill has given us nothing but grief and if it sends me/us into collections and screws up my personal credit we will never be able to move forward in any way, new house, new car if needed, any medical expenses we are trying to pay off etc. We have a house to pay for, cars, medical bills, daycare expenses etc. and two young ones to make sure they are taking care of at Drs. appt., when needed etc. This is making it very difficult for us to keep up with other bills, their daycare expenses, paying our mortgage on time and putting food on the table among other unexpected bills that can occur through the months. I know there are many people, students in this predicament and I feel this needs to be addressed immediately and taken very seriously. I ca n't even transfer this loan to a personal or to another lender if I want to as it 's too much money to pay off anywhere else and I ca n't get a personal loan in this amount, it 's not allowed. The interest rate on this loan has risen at least 3 times in the past several months and if the bill goes up to {$300.00} as it 's already XXXX, I will have no choice but to not pay it as food on the table for our boys and being able to keep our house and have heat from oil deliveries needed is more important. I do n't want this to affect our credit as we hope to move within the next year or two. However, if we lose our home etc. because of them it would be a tragedy and I would be very furious. This is unfair!!!!!!!! PRIVATE LOANS MUST BE ADDRESSED!!!!!! I ca n't stress this enough. SOMETHING MUST BE DONE BEFORE THEY DESTROY MY LIFE AND SO MANY OTHERS!! 

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

I had a loan with westlake financial services. When I refinanced with XXXX XXXX XXXX they closed out the account on XX/XX/18 and now XXXX   is reporting a late payment in XX/XX/2018
Product: Student loan

The issue I am having with Navient, is that on several occasions they have continually not processed information correctly, most recently my forbearance that was to be from XXXX XXXX through XXXX XXXX. I have called them several times to get the forbearance processed correctly and keep getting the run around. Currently it says I am past due with them, but I should not have a payment due until XX/XX/XXXX. I contacted them XXXX/XXXX/XXXX and was granted the 3 month forbearance. Subsequent contact was by email XXXX/XXXX/XXXX with no response, and phone calls on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XX/XX/XXXX. Every time I spoke to a representative they blamed the previous for not doing their job correctly and swear they fixed it with end result still being that the account is not accurate.
Product: Student loan

Like many young college students, I fell for the temptation of federal loan programs and the allure of instant assistance with education expenses. I was always told as a child that education was the best investment and I wanted the best education I could get. I really didn't appreciate consequences at the time. Over the years, I have made every effort to work with first XXXX XXXX and now Navient to repay these loans as responsibly as possible. In the past 13 years, since Navient has had my account, I have paid {$36000.00} on an original principal of {$73000.00}, yet somehow my current balance is {$73000.00}. I have literally given them almost half of the loan amount and ended up only moving my total debt by less than {$300.00}. That is INSANE! And criminal. I have called so many times over the years, been on hold, argued, cried. I've felt deeply depressed and hopeless. Every time I ask for help getting this loan paid ( advice on payment plans, adjustments to my payment arrangement et ) I end up with another, more hopeless arrangement with Navient. At this rate, I will literally die before this loan is paid which makes me think " what's the point ''? I am so discouraged. I am not wealthy and I don't qualify for hardship loans, but I am furious that having paid so much, I have gotten so very little in return.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I tried several times to have my loan with Santander resolved after they unfairly repo my vehicle on XX/XX/XXXX, fortunately, recent my Attorney general from the state of California announced that a settlement has been reached and Santander has agreed to remove all negative information from my credit report and completely paid off any amount of money that was owed to them, I tried to speak to someone at Santander but they have not answer nor return my call.

Please see the below as a reference https : //oag.ca.gov/news/press-releases/attorney-general-becerra-announces-over-550-million-settlement-against-nation % E2 % 80 % 99s https : //oag.ca.gov/system/files/attachments/press-docs/PPL % 20v % 20SCUSA % 20Complaint.pdf https : //santandermultistateagsettlement.com/Home/portalid/0 California Attorney General XXXX XXXX today, along with a coalition of 33 other attorneys general , announced a multistate settlement with Santander Consumer USA Inc. ( Santander ) that includes over {$550.00} XXXX in nationwide relief for consumers ; California consumers will receive over {$99.00} XXXX of that amount. 

As part of the settlement, Santander will provide over {$99.00} XXXX in relief to thousands of California consumers who Santander approved for its abusive high-cost loans. Consumers with the lowest quality loans who had defaulted as of XX/XX/XXXX, and have not had their cars repossessed, will be allowed to keep their car and have any deficiency balance on the loan ( up to a total value of {$45.00} XXXX in deficiency waivers nationwide ) waived. Santander will also waive the deficiency balances for certain defaulted consumers across the country, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buyback.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a lot of unauthorized inquiries showed up on my report. I have tried to dispute them on the phone with equifax and XXXX since XX/XX/XXXX. I put a freeze on all Credit reports but no changes were made in my favor. I filed an ftc report XX/XX/XXXX. All inquiries that need to be removed immediately from equifax and/or XXXX are as follows : 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: Bank account or service

I received an email asking me to contact the bank at its XXXX number on XX/XX/2016 It says to have restricted my accounts and if I do n't call within XXXX business days, they will close all my accounts. I called immediately and waited at least XXXX minutes. But no one from Capital One came on to talk to me. I finally gave up. I am afraid that if they close my accounts, all my scheduled payments will be declined and I will suffer a major financial distress. Please help.
Product: Debt collection

I sent midland credit management a 609 debt verification letter in XX/XX/XXXX of this year 2024. Theyre claiming on my credit report that I owe them {$44.00}. Their response to my letter was a warrant for satisfaction for judgement on XX/XX/year> I received no debt verification or assignment of debt. They refused to provide any documentation on the assignment of debt.
Product: Student loan

Not only does this complaint involve dealing with my lender, it also involves the repaying of my loan. In XX/XX/XXXX I called to see if I could get my payments reduced because I would not be able to make XX/XX/XXXX payment. I was told my loan payment must be past due before anything could be done, which I think is absolutely ridiculous. So I waited to call again after my XX/XX/XXXX was past due to see what could be done, after having to talk to XXXX different people and such a huge hassle I was told they could do nothing and I was not qualified for help, and at this point it was mid-late XX/XX/XXXX. I ask if there was anything they could do to get help and I was told that I needed to wait another 30 days to see if other options opened up after I missed another payment, which again I think that is absolutely ridiculous. I was also told that my account would not be marked late on my credit reports until 60 days past due and as long as I got into a program before then I would avoid any negative marks on my credit report. So I again called in mid XX/XX/XXXX about 10 times over two weeks and had to wait 45 to over an hour on hold, and never ended up talking to any one because of the long wait time. One of the times someone answered, and all I heard was back ground noise then I was hung up on, which is one of the most unprofessional things I have ever experienced with Sallie Mae. I finally got a hold of someone the end of XX/XX/XXXX and was still not 60 days past due yet because the lady told me I was XXXX days late, and was finally qualified for lower payments and lower interest. However, I just saw today that my credit reports have been file with negative reports of XXXX days late, so I was blatantly lied to about the reporting, and this could all have been avoided if they would have helped me In XX/XX/XXXX or XX/XX/XXXX
Product: Student loan

After graduation I was making very little income and was wanted to pay {$490.00} a month between private and federal loans. When I called in XXXX to Navient they suggested I go into forbearance so I didn't have to pay that much. Went through forbearance for a while and to my surprise there were better options. I ended up getting income driven plan which still exceeded 30 % of my take home pay. They could not lower my private loan because they said they could not. In XXXX I ended up refinance with XXXX and am happy so far with them. 
Reading the navient student loan lawsuits I wanted to get my story out there that it indeed happened to me too.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/2021 : After becoming a victim of identity theft, I called up Equifax to report a fraud alert. After the fraud alert was set up, I purchased the EQUIFAX XXXX credit monitoring software for {$10.00} a month and logged off for the night. Everything appeared to be working XXXX/XXXX/2021 : The next morning, I tried to log in to my account but was told that my login information was not acceptable which is false. I attempted to reset my password online but I keep receiving the message " We are temporarily unable to complete this request. Please try again later ''. I attempted to call the hotline several times, but am stopped from talking to a XXXX XXXX XXXX because my personal information to verify my data is " not correct ''. False. 

Following up with this, I sent them an email XXXX XXXX, but have not received any response from the company. For a credit monitoring company that is supposed to protect me from identity theft, they are very lax with their approach. 

I can not use the credit monitoring software that I paid for and can not talk to anybody from Equifax to verify that fraudster ( XXXX ) are attempting to open up more credit cards in my name. I am absolutely mortified. Additionally, I am paying for software that I can not use. Should have never used this company but I purchased the monitoring software out of desperation without any research.
Product: Checking or savings account

On XX/XX/2019, I made a check out to my sister for {$7000.00}. She deposited into her bank but somehow the check did not clear into her bank but into someone elses account and different bank. I have been fighting this with the bank ever since and no one has done anything to assist me or tell me where my money went.
Product: Debt collection

I received a notice of justice court citation. The citation states that I was sued by Calvary SPV l , LLC, ASSIGNEE OF XXXX XXXX on XX/XX/2019. I am being sued for {$2200.00}. There are no actions taken by me at this time.
Product: Mortgage

1 ) Two payments were sent via XXXX XXXX XXXX online XXXX to Loancare for {$520.00} around the first of XXXX and first of XXXX. XXXX XXXX tells us they havent received the payments from Loancare. Loancare says they have no record of receiving these payments. XXXX says the funds were debited. XXXX provided a copy of a deposited check from XXXX, deposited to a XXXX XXXX account. 
XXXX XXXX went ahead and made an additional payment to XXXX XXXX for {$1000.00} in late XXXX to ensure the account stayed current. At this point wed just like a refund of the payments sent to Loancare. 
2 ) A negative remark was added to our credit reports XX/XX/22 showing the XXXX payment was missed and the account was closed more than 90 days past due. 
a. Wed like our payment history accurately reflected on our credit reports.
Product: Credit reporting or other personal consumer reports

Errors in my credit report list late payments inconsistent with my history. Please adjust accordingly.