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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  {$640.00} XXXX XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

whenever I try to open account It is denied stating " You have applied a number of times and we can not verify the information you have provided at this time '' customer care said I need to wait 30 days before applying. 
I tried, it get denied all the time. 
all my information is correct. 
but they keep denying it.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

XXXX XXXX XXXX / XXXX XXXX XXXX put in a hard inquiry on my credit report without authorization on XX/XX/2018. These guys were my apartment provider FOUR YEARS AGO. I never made any request for any additional work, they simply re-ran my credit for no reason, resulting in my score being less than what it should be when I am trying to buy a new car and refinance my mortgage. I have disputed this with Equifax, but they came back saying XXXX XXXX XXXX / XXXX stood behind their inquiry and refused to remove it. I am requesting the CFPB to come in and find out why they are running my credit with no authorization for no reason.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agencies, 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 a personal credit card account opened at XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX under the account number XXXX, personal credit card account opened at XXXX opened on XX/XX/XXXX under the account number XXXX, Personal Credit card account opened at XXXX XXXX opened on XX/XX/XXXX under account number XXXX, Personal Credit card account opened at XXXX XXXX opened on XX/XX/XXXX under account number XXXX, personal loan account opened at XXXX  XXXX XXXX opened XXXX XX/XX/XXXX under the account number XXXX, Home equity loan account opened at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, Educational account opened at XXXX XXXX XXXX opened on XX/XX/XXXX opened under account number XXXX. These hard inquiries XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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 inquiries are the result of identity theft and fraud.
Product: Mortgage

We have our home financed through PennyMac Financial Services, with our first payment on XX/XX/XXXX. Since then, we have always been on time with our payments. I also track out payments with an Amortization Schedule. It is through that tracking that I discovered starting with our XX/XX/XXXX payment, the interest started to be calculated incorrectly. Our fixed interest rate is 3.499 %. Before that payment, interest was calculated correctly. However, starting with that payment and since, our interest is consistently being calculated as 3.4995 % despite no changes in the terms of our mortgage. I sent multiple messages to PennyMac through their online system and have not received any responses.
Product: Debt collection

XXXX XXXX XXXX has filed false claims against me alleging that I owe the company credit card debt. They brought legal action to the circuit court of Illinois, and I willfully answered and tried to reason with the Mandarich Law Firm they hired to illegally collect the alleged debt. I've sent countless responses to try and rectify the issue and seek remedy, but they persisted on unlawfully and did not comply with any written demands regarding the billing error and debt validation I expressed. They ultimately won a default judgement in error due to my absence because of medical reasons. Now, XXXX XXXX XXXX has Mandarich Law Firm illegally GARNISHING my wages unlawfully. This is Theft and Fraud due to the false and misleading representation of the alleged debt. The alleged debt is a billing error that was never rectified, and I did not have any full disclosure on the accounting and details of the contract that was entered between XXXX XXXX XXXX and myself. I was never sent a true bill invoice lawfully demanding money, only statements and threatening letters regarding extortion. And now my wages are being garnished by 15 %! I wish to settle this matter at once.
Product: Student loan

In XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX XXXX requesting information to see if I qualify for Income Driven Loan Repament of my student loan. I provided them with my information and they told me I was approved. Several emails were exchanged including documents regarding the repayment. I asked if I needed to contact XXXX and they said no, they would contact them. Additional emails were exchanged regarding repayment amounts, etc. On XX/XX/XXXX, I called XXXX to update my back account information. They said they have not heard from XXXX XXXX XXXX  XXXX or any such company on my behalf regarding my student loan. The operator at XXXX suggested I contact your company as it sounds like a fraudulent company. I ceased making my student loan payments to XXXX as they required and made monthly payment of {$190.00} to XXXX XXXX XXXX  XXXX. My student loan was not delinquent when this started as I was not having trouble paying it back. Please let me know what additional information you need from me as in emails I can forward, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested documentation from Fair Collections and Outsourcing regarding a debt that they are alleging that I owe and have placed on my credit. After careful examination of the documentation that they provided and the information that they are actually reporting to all 3 credit bureaus. I have found that they are reporting false and inaccurate information. The open date on the account is incorrect. They have listed the open date for the account as XXXX XXXX, 2012 yet they just added this to my credit report a few months ago. It is my understanding that no entity has the right to retain, report, transfer, sell utilize or else wise any outdated, untrue, inaccurate, physically unverifiable, fraudulent, misreported and or any non compliant allegations. I have documentation of all 3 reports with this inaccurate date being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Applied online, given error code NH, told to call, called, repeatedly hung up on by company TransUnion : Applied online, given error code NH, called, repeatedly hung up on by company XXXX : Applied online, given error code NH, called, repeatedly hung up on by company
Product: Debt collection

On XX/XX/year> to sent a validation letter to Transworld Systems ( debt collector ) asking them to validate the collection and debt. My address in record was also incorrect. I had not received communication from them or the original alleged debtor. Communication from the original debtor had also gone without a response. 

XX/XX/year> - After 30 days I sent a dispute to state that the debt did not belong to me and I was disputing the debt. I disputed with XXXX, XXXX and XXXX but the records remained. 

XX/XX/year> - TSI sent an e-mail offering a reduction in debt. Responded disputing debt, requesting for validation and proof and request to remove from credit report until resolution had arrived. 

XX/XX/year> - I contact the credit XXXX, XXXX and XXXX once again, providing evidence of communication to the TSI. Requesting for a removal of this record as it was inaccurate. Contact address of TSi with credit reporting agency and contact address provided was different. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - XXXX removed this collections, XXXX and XXXX wrote to state that they had investigated and validated the debt as correct. 

XX/XX/year> - I responded to TSI via email and sent email, once again asking TSI for proof of debt owed or removal.
Product: Mortgage

The first loan was started with Movement Mortgage in XXXX, XXXX  in XXXX of XXXX we were told that we made enough money to afford the mortgage and that we qualified for a FHA loan. We work for a XXXX XXXX and are allowed to live else were than in the city of the XXXX  base. We were ask to provide written documents that we receive free XXXX benefits, and letters from HR and immediate supervisors that they were aware of this purchase. And had to write a statement as to where we would sleep if we were not in the house and how much time we would spend in the house we had to provide a work schedule, and we had to write a statement as to why we wanted to move from XXXX  to XXXX which is the city that I grew up in and my family is still living in as well as my XXXX year old mother with XXXX. and the loan officer asked if we could help get his adult son a position with the XXXX. We were denied the loan with Movement after 4 months. the representative for the seller took our loan to XXXXXXXX XXXX were we were asked for the same documents and after 2 months we were denied by XXXX XXXX underwriter that they did not think this was going to be a good loan.The real estate officer took our loan to another lender in XXXX that closed our deal XX/XX/2019. Using the same documents. we have been in our home since XX/XX/2019 and are still working our same jobs and making house payments on time for past 2 months and our home is completely furnished and lived in.
Product: Credit reporting or other personal consumer reports

I filed a XXXX XXXX XXXX that do not suppose to be on my credit report. I contacted the Bankruptcy court and they provide me with a letter stating that they did not report my information to any credit bureau. I have contacted Lexis Nexis several times to get this item removed from my account and it still on there. Could you all please step in this matter to help me get it resolved quickly. If you need any additional please do not hesitate to contact me. My email address is XXXX. Thank You.
Product: Money transfer, virtual currency, or money service

I was told by a Bank of America branch in XXXX, NY that I could deposit a international check. 

I made the deposit on XX/XX/XXXX and by XX/XX/XXXX I was deposited on my account an amount way over the amount that the check had. 
I went to the branch and spoke with an account specialist and she contacted somebody else in the bank by phone and that person said they were going to substract the money and just deposit what I was supposed to get. To this date ( XXXX XXXX, XXXX ) I havent receive my money nor the check. All they send me was a copy of the original check I deposited. At this point I dont know if my honesty ended up with them stealing for me, I dont want their money, all I want is my money, I have principles and thats why I went to the bank because they deposited 3 times the amount I was supposed to get.
Product: Checking or savings account

Two ( 2 ) automatic generated from Wells Fargo Bank " letters '' today!

Two ( 2 ) automatic generated from Wells Fargo Bank " letters '' the other day! 
And others too! 

And yet Wells Fargo Bank still refuses NOT to steal my Social Security moneys! 
And is adamant about it! 

from XXXX XXXX XXXX XXXX Yes, Wells Fargo Bank is a thief, stealing my beloved husband XXXX XXXX XXXX 's vitally important Social Security moneys! 

Here is one of the largest and wealthiest of all banks in the world DOING THIS! 
Obscene, gross, indecent, utterly contemptible! And they now threatened XXXX XXXX 's life and health by their appalling actions and words. AN ABOMINATION!
Product: Credit reporting or other personal consumer reports

To whom it may concern, XX/XX/year> I viewed my credit and notice that multiple accounts were fraudulently opened under my name, I wrote in to the credit agencies Experian, Equifax and transunion and explained but I don't believe performed an thorough investigation. I requested for an investigation and validation. I have yet to receive corrections and removal of the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, comments are inaccurate, amounts are inaccurate, and credit/balances amounts are inaccurate. These are grounds for removal they also violated my rights under 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

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

it was different things added to my credit report I have the report and proof that they claim to take off of my equifax but they sent out a copy of the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my credit report coming about because of the wrongdoing. The items 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 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 Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance XXXX {$1800.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit card

In 2023 I reach out to inform Capital One Credit card that there was a pending divorce settlement for debt on this card. That no payment would be made until this concluded, I made two payments after and then stopped waiting for court to decide if the debt belonged to myself or ex husband. In that time capital one closed this account making it impossible to pay this loan and ruining my credit. After informing the customer service team of what was going on, NO ONE was able to help or offer suggestions to help. This further ruining my credit score where the court order clearly states this should not be under his name..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Experian reported that my account with XXXX XXXX was 30 delinquent. However this information is not accurate as the charges that XXXX XXXX has attributed to me are not related to the actual payment history. The charges are being disputed.
Product: Mortgage

Regarding ID for Complaint regarding Nationstar Mortgage XXXX ( also and now known as " Mr , Cooper ''!! Complaint Number XXXX. 
Sorry I am a XXXX year old XXXX Veteran and I could not find a way to add to the above referenced complaint!! Also I am NOT a computer Guru and don't have the money I wish I had way back when all this started with nasty old XXXX XXXX XXXX that goes all the way back to 2008 when we had the terrible 2008 Financial Collapse that I understand was caused by the Stock Market and the lenders after the repeal of the Glass-Speagal Act that allowed all these people to enter into securitization of loans and all the resulting corruption, racketeering, and fraud that has continued to this day. 
Anyway I hope you will attached the enclosed ( attached file ) I did not get attached in the initial complaint as I just got a new computer after my old one collapsed and I have had to learn XXXX XXXX!!! UG UG Thank you very much and I sure hofe that the new Director XXXX XXXX will be more fair, understanding and willing to recognize that over 20 million people like me have lost their homes needlessly and actually reach out to help people after all this. Thank you and semper fi.
Product: Mortgage

On XXXX XXXX, XXXX, U.S. Bank offered me a loan modification following a successful trial period payment. The loan modification documents are attached to this complaint. 

I signed the documents on XXXX XXXX, XXXX and promptly returned them to U.S. Bank for their signatures. They signed the documents on XXXX XXXX, XXXX. The finalized loan modification agreement is recorded on XXXX XXXX, XXXX XXXX of the XXXX XXXX county public records. 

The terms of the loan modification agreement established that my monthly payments were to be {$720.00} per month. {$470.00} for Interest and Principal and {$250.00} in Escrow payments. ( see attached ). 

On XXXX XXXX, XXXX, following the ratification of the agreement, I spoke to a U.S. Bank representative who assured me that I was now out of loss mitigation and my monthly payments would be {$720.00} as agreed. 

When I attempted to make payments on my loan, U.S. Bank refused to accept them. On XXXX XXXX, XXXX they stated that I had to pay approximately {$850.00} a month, otherwise they would not take my payments. He also claimed that they would later reimburse the excess back to me. 

U.S. Bank unilaterally breach our contract. It refused to accept my payments and now alleges that I am in default under my loan and that they will foreclose on my property. 

I have a legally binding, recorded contract with U.S. Bank. They offered and accepted the terms of the agreement. They recorded the agreement and accepted {$31000.00} from HUD to proceed with the modification. They have benefited in every way, yet refuse to accept our contractually agreed payments and are now attempting to take my home away from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 XXXX  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 XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX : {$3500.00} XXXX XXXX XX/XX/2023 XXXX BANK XX/XX/2023.
Product: Checking or savings account

I turned XXXX XX/XX/XXXX. At that time Navy Federal was suppose to remove any of my parents from.my account. They gave me my own user ID and passwordXXXX XXXX XXXX XXXX sent me a school refund. Navy Federal took my federal money for my books and housing and applied it to my moms debt due to her thinking unemployment had finally paid her back pay. I contacted them and they said they had a right to take my school funds because she was a joint owner on my account. That is not true. I never gave my mom nor did she attempt to be joint owner of my account after the age XXXX. Navy Federal wanted to right a wrong so took money from both me and my aunts accounts. This is a violation. My money has nothing to do with my account and not can Navy Federal.provide anything where I gave them.permission to make anyone joint owner of my account. I live separately from my mom and have for over a year. They took my money and it is not ok or right. And they gave someone illegal.access to my account that I did not give. Once I'm XXXX, I get to make my own decisions and navy federal violated that. Then use their mistake to take funds that were not owed to them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX # XXXX This is completely unacceptable and violation of the credit reporting laws of the many inaccurancies with this account, ,.How do I have a XXXX of XXXX dollar,,, and my monthly payment is XXXX dollar without reporting any terms with this account..Please delte immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

To my knowledge, I have not signed any documents authorizing the following companies too view my credit history therefore, these inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

XXXX XXXX Inquiry from XX/XX/XXXX. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX ... XXXX XXXX for Transunion Inquiry from XX/XX/XXXX ... Transunion XXXX XXXX Inquiry from XXXX XXXX, XXXX - Transunion XXXX XXXX Inquiry from XX/XX/XXXX - XXXX  XXXX Inquiry from XX/XX/XXXX - XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX