23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, SS # XXXX, XXXX XX/XX/XXXX. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. Code 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block 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 car Insurance account opened at XXXX Esurance An XXXX XXXX  ( CREDIT COLL ) on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX under the account number XXXX, a car Insurance account opened at XXXX Esurance An XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX under the account number XXXX, an Auto loan account opened at XXXX  XXXX ( XXXX XXXX XXXX  ) on XX/XX/XXXX under the account number XXXX, a Personal Credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan opened up at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have applied for a credit card for the amount of {$5000.00} from discover card services, I am sitting on {$6900.00} as of XXXX. I haven't missed a payment, my interest rate is 25 %. I asked them to close the account and still changing me Interest. I have stopped using the card for over a year and continue paying every month. instead of my balance going down it keeps going up.
Product: Mortgage

My husband passed away XXXX/XXXX/2014. The mortgage is in his name. We never had a reason to contact NationStar Mortgage Co. when they purchased our loan from our previous lender. Now that my husband has passed away, I have the deed placed in my name but can not assume the mortgage because I am not an authorized person to speak with the mortgage company. They have increase my mortgage and will not explain anything to me. I have been making payments since the death of my spouse. I received a letter from Nationstar stating my mortgage would increase if I did not pay the additional {$870.00} needed for escrow. I paid it, but they still increased my monthly payment. I went to probate court who explained the process to get the deed into my name, also explain there was no quick deed required for a death of ones spouse. I just need the mortgage company to explain the increase in the house payment and know what is needed to assume the mortgage and try to get a loan modification.
Product: Student loan

Yesterday I received a call from NAVIENT because I was supposedly {$90.00} dollars past due and they called be to make a payment arrangement I told them my payments were on time and I did not have to make any payment until the  XXXX  of  XXXX , they told be that my payment from  XXXX  was reversed to my bank and I told them that my bank does not accept reverals because I have the  XXXX  account and once the bank makes the paymeny it automatically deduct the money from my account, the  1st  person I spoke to was very demanding saying that I have federal loans with them and did not let me talk, the 2nd person told me he did not know that and my payment was reversed for  XXXX  $ and I have a federal loan with them. I told him that I paid  XXXX  $ on  XXXX   XXXX  and  I donot have federal loans.with them because I only have privateloans. I spent  4  hours on the phone with the  3rd representative explaining the situation that on  XXXX  they said my student had a balance for  XXXX  for {$140.00} and from  XXXX  on they were going to increase because even I am fullimte graduate student I maxed out the deferment time and by  XXXX  my loan was going to increase which they had to give me the lowest I could pay which was  XXXX  $ and they told me I could make several payment if I can not pay the full amount of {$230.00} as long I do not pass the deadline to pay.     For  XXXX  I made  XXXX  payment an sent  XXXX  $ total, for  XXXX  I did the same and sent {$230.00} before the  XXXX ,  Yesday  my account appeared as past due. I do not know what they did but now I 'm supposedly have to pay {$150.00} for  XXXX  but today I just received a delinquency letter for the amount of {$240.00}. and the letter was sent to my cosigners again when my loans are on time and with no delays.     The have a lot of people putting their fingers on the accounts, they call you and said the payment was reverse and whatever comes to their mind and they put your account on past due even if the account is on time. They should not have people with no knowledge managing these accounts and they continue messing with my credit and my cosigners credit as well.
Product: Debt collection

In XX/XX/XXXX I received notification that I owed {$2300.00} from XXXX. I knew this was fraud as I have never used XXXX in my life. I disputed it with XXXX where XXXX ultimately admitted it was a fraud and fixed the situation. However, before they fixed it they sold the debt to the debt collection company I.C. System, INC. Two years later ( XX/XX/XXXX ) and the debt collection company put a debt collection notice on my XXXX and XXXX credit report. I have tried to call this debt collector and report it as fraud and confirm information however they have not answered in multiple days despite many attempts to contact them. I have contacted the credit bureaus involved and submitted fraud reports and have contacted XXXX again and submitted another fraud report within the past few days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit report. 

XXXX  1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the following inquires as they were not made by me : 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, and the following accounts XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX as I have never applied nor giving consent for the following companies to have access to my credit report to establish account
Product: Credit reporting or other personal consumer reports

XXXX XXXX AND XXXX HAS TRANSPIRED AGAINST ME TO REPORT INACCURATE INFORMATION ON MY CONSUMER FILE TO STOP MY XXXX GIVEN RIGHTS. 

ON XX/XX/2023 XXXX POSTED A COLLECTION TO MY ACCOUNT WITHOUT MY WRITTEN CONSENT OR A VAILD BINDING CONTRACT. CONTRACT LAW HAS TO BE MUTUAL ASSENT AND CONSIDERATION ( VALUE ). 

XXXX NEVER DID A PROPER INVESTIGATION TO SEE IF THE INFORMATION THEY ARE REPORTING IS ACCURATE. 

ARTICLE 1 SECTION 10 OF THE CONSTITUTION STANDS AS TRUE AN NOT JUST A MERE WRITING. BELOW I HAVE WRITTEN A NOTICE. PLEASE READ AND REMOVE IMMEDIATELY FROM MY CONSUMER PROFILE. 

THIS IS IDENTITY THEFT AND WITHOUT A BINDING CONTRACT AND WRITTEN CONSENT YOU HAVE NO RIGHTS TO POST INACCURATE INFORMATION ON MY CONSUMER PROFILE WITHOUT A VALID AGREEMENT BETWEEN THE COMPANY ( XXXX XXXX ) AND I.
Product: Checking or savings account

I was in Louisiana visiting my mom and my Citibank debit card was locked 2 times and now they closed my account I have not deposited no checks no nothing, I have bills to pay on the XXXX or Ill be evicted from my apartment I can not afford to wait 30-60 days for a check I have bills to be paid. No branch will help. Not even a branch I opened my account, I have spoken with several fraud department supervisors who said they could remove the hold if the bank would allow it, I really just need my funds back asap.
Product: Credit reporting or other personal consumer reports

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

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

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 XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In XXXX I purchased a XXXX wheeler from that was financed with XXXX XXXX. In XXXX we were told of an extra charge on the account ( balloon payment ) which was not reflected on the contract I signed. Verbally with XXXX finance, I challenged this, sent them a copy of my contract and disputed the additional fee. I was directed not to make a payment until this was settled. After arguing this with XXXX XXXX, I was essentially told that I would be held to the balloon payment and I needed to pay the account in full. on XX/XX/XXXX I made the final payment, against my belief that it was a fraudulent charge of {$2200.00}. In XXXX I went to apply for a mortgage and noticed that XXXX XXXX had " charged off '' this account. I disputed it and they changed it to " paid in settlement {$2200.00} written off ''. I disputed this again as it is incorrect. They changed the status to " legally paid in full for less than the full balance ''. I disputed this again because Not only does this balance not reflect in my signed contract, but I actually went ahead and PAID it. I disputed this again and they changed it once again to " paid in settlement {$2200.00} written off ''. This is incorrect so I disputed it XXXX more time by calling experian directly and having a phone conversation. I just received the dispute results and it was not changed. It still reads " paid in settlement {$2200.00} written off ''. 
I was not contracted to pay a balloon payment and after battling a company to prove myself, they went silent and said I owe the balance of {$2200.00} in full. I paid them in full and it still reflects that I did not and has a negative impact on my XXXX XXXX and life.
Product: Credit reporting or other personal consumer reports

There are XXXX separate XXXX XXXX XXXX on my report which are inaccurate. I asked Transunion to remove them because they were dropped/dismissed without any debt attached to them so they don't hold the same weight as a bankruptcy that has been completed. I sent in the dispute on XX/XX/XXXX they responded back that the information was verified the next day which lets me know that the dispute was not investigated at all. 
The Bankruptcies are XXXX XXXX XXXX XXXX
Product: Debt collection

I have no knowledge of this alleged debt couldnt verify debt never did
Product: Checking or savings account

When I opened this on-line savings account it was not made clear that the limit on transferring funds out was only {$5000.00} per day with an additional limit of 4 transfers per month. This is much lower than other on-line savings accounts that typically allow {$100000.00} or more per transfer. I decided to close the account as this was unacceptable. 
1. On XX/XX/XXXX I requested that the account be closed and the funds transferred back to bank account that I initially funded it with. 
2. I called every few days for the next 2 weeks to find out when the money would be transferred. The only answer i get is that it is " Under Review ''. 
3. As of XX/XX/XXXX it is still 'under review '' I feel that this bank is holding my money XXXX by not allowing larger transfers and returning the money in a reasonable timeframe. 

as I have no confidence the account will be closed anytime soon I have now requested an increase in the transfer limit to {$100000.00} per transfer.
Product: Mortgage

On XX/XX/XXXX Veripro Solution Inc Claim they assumed 2nd Mortgage from XXXX XXXX XXXX. Document B Veripro Solution never contacted me, The note requires in notice section Document A any notice that must be given to me under this note will be given by delivering it or by mailing by certified mail addressed to me at the property address above. 1st Breach of contract. On XX/XX/XXXX Veripro solutions sold loan to XXXX trust owner XXXX and retained servicing with out notification to me 2nd breach of contract. On XX/XX/XXXX Veripro Solutions transferred Servicing to XXXX XXXX XXXX with out notification to me again 3rd breach of contract.Veripro Solutions never changed loan assignment in MERS to them selves, which made loan transparent to find. XXXX XXXX XXXX did not contact me until XXXX of XXXX Upon request i was sent false information, i can only assume came from Veripro Solutions. Document B In XX/XX/XXXX after not receiving proper information from XXXX XXXX XXXX I requested information from Veripro Solutions Dated XX/XX/XXXX. Document B Veripro Solutions Inc can not provide an assignment of Mortgage from XXXX XXXX XXXX to them. Loan had been missing for almost 4years between XXXX XXXX XXXX and Veripro Solutions . 4th Breach of contract assignment to Veripro Solutions.
Product: Credit card or prepaid card

In XXXX 2017 I purchased a service I did not get and the service I got, I was not satisfied with. I attempted to get a refund and Capital One sided the merchant saying I had to pay for the contested charge.
Product: Debt collection

When logging in, the company has an old loan amount that populates online. There are 2 accounts - 1 ) my current student loan and 2 ) and old student loan from YEARS ago when I refinanced to get away from these XXXX. XXXX XXXX sold the loan back since then I've opened at least 3 CFPB complaints for XXXX behavior and will continue to document their scam tactics. Currently, I'm making calculated overpayments on my loan, but I'm unable to see anything because their website continues to direct me to payment history of the paid off 2019 student loan - I'm unable to access the payment history for my current loan.
Product: Mortgage

I have an existing XXXX year mortgage at 5.625 % that I am trying torefinance to a XXXX year at 3.64 % with US Bank. I was told that our debt toincome ratio could be no higher than 45 % and our credit scores werefine. Our debt to income ratio is 38 % so when the loan was denied Iasked why and they refused to give me a reason. I have sent numerousemails trying to get an explanation to no avail. I just keep getting therun around, answers like we have new regulations and guidelines tofollow with no real explanation as to why my husband and I were denied.
Product: Credit reporting or other personal consumer reports

VIOLATION OF USC 1681 ( C ) ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veterans medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.

( 8 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am requesting a debt validation be done on these loans, including evidence of my agreement to the original loans, the evidence of a disclosure that Aidvantage says was provided to me when my monthly payments were changed without my consent the first time, and evidence of the disclosure when Aidvantage changed my payment terms again without my consent. If this documentation can not be provided it is clear Aidvantage has violated UDAAP and the TIL, and these loans should be closed and removed from my credit report. I would love to request this information of them directly but they do not answer phone calls nor do they respond to emails, so I am filing another complaint.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX continue to report inaccurate information on my consumer file. There are several inquiries that I did not authorize and have not been validated as belonging to me. I demand each credit bureau provide me with the documentation bearing my signature and that of the company listed that proves I have authority. Each bureau is paid to report information to help determine the credit worthiness of each consumer and by reporting incorrect information that hurt the credit profile and credit scores I am damages due to this. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXXXXXX XXXX XXXX XXXX  debt of {$530.00} was paid on XX/XX/XXXX. 

The Trojan Professional/Dr. XXXX XXXX debt of {$210.00} was paid on XX/XX/XXXX.
Product: Mortgage

Ocwen Loan Servicing is planning on selling XXXX XXXX 's property at foreclosure sale on XXXX XXXX, 2017. XXXX XXXX 's loan modification review is presently in the appeal stage. It is a violation of Regulation X, 12 C.F.R. 1024.41 ( g ) for Ocwen to advance foreclosure while the appeal remains pending.
Product: Mortgage

I started the modification process in XX/XX/XXXX with Bank of America. They have all the paperwork. I was told they received everything in XX/XX/XXXX. They have medical records from my doctor stating I would be off work until XX/XX/XXXX. FMLA paperwork included in the paperwork. I was not getting paid during this time. When I returned to work I began making payments again to Bank of America in XX/XX/XXXX the payment was returned and I was told that XXXX was my new services. I made my payment to XXXX and have been making regular payments ever since. XXXX with XXXX has informed me that Bank of America has not forwarded ant paperwork. XX/XX/XXXX is the final day to cure the default. I started the process prior to my XXXX  as I knew I would fall behind now I 'm am faced with  foreclosure because of Bank of America 's negligence. Bank of America needs to forward all paperwork to XXXX immediately. Their attorney needs to get the issue resolved instead of sending be the nonsensical paperwork saying that they did their job, they did n't!
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX
Product: Debt collection

I received a random letter in the mail from " Professional Claims Bureau '' claiming I still owed {$47.00} to XXXX XXXX XXXX XXXX from a doctors appointment back in XXXX of 2019. This is false, there was no balance owed and I have a current balance of {$0.00} which is confirmed via their online billing site ( screenshots attached ).