23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

First, XXXX XXXX XXXX has admitted to supplying a false address on my credit report and as Experian can tell, was allowed to change the address after verifying the address for months as the XXXX Virginia. I am also including the last statement from XXXX XXXX XXXX that has the account balance as {$0.00} and XXXX XXXX XXXX has itself said that they filled a XXXX forcing me to pay taxes on this account as miscellaneous income. In the case XXXX XXXX, a judge stated that if any company filled a XXXX that they have given up all rights to collect any money on the account since filing a XXXX is not required until the debt is written off so it is the company 's choice when to file. Next, I just noticed that XXXX XXXX XXXX is on my Experian credit report, this account is not only fradulent but XXXX XXXX XXXX gave up all rights to collect on this debt in a settlement that I am attaching with this complaint signed by myself, my representative, and their representative. Lastly, I have no paperwork to send with my complaint that XXXX XXXX is a fradulent account, but I will attach a picture of the only jewelry I have, my wedding ring, and you can ask them if that is the jewelry they are talking about, I guarantee you that it is not since I bought it from XXXX. XXXX XXXX XXXX, XXXX, and XXXX XXXX are all result of fradulent and illegal activities. I AM SAYING THE ENTIRE ACCOUNTS OF THOSE XXXX BANKS LISTED ARE A RESULT OF FRAUD AND I AM SAYING EVERYTHING THEY ARE REPORTING IS WRONG. I put that in all caps since Experian has a hard time figuring out that I am saying all XXXX accounts are completely fradulent and wrong. I know you received my certified letter and I lent what I said, 30 days after you received that letter that I will name Experian in my lawsuit if these XXXX accounts are not removed. Experian is required by law to block fradulent and illegally reported information and Experian has refused to block this information. I am serious and once the paperwork is filed, I will not settle out of court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft due to a Data Breach. The fraudulent accounts have been identified in a dispute placed with the three major Creit Reporting Agencies via mail sent on XX/XX/2019. The Items I have identified and highlighted from credit reports do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681 : once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Mortgage

On my loan Closing Disclosure on my house that I closed on XXXX/XXXX/XXXX. The tax credits provided by the XXXX were based off of XXXX 's tax numbers. However, my lender used XXXX 's tax numbers to seed my escrow and as the base for my house payment. It is now XXXX, and I have an escrow shortage of over {$6000.00}, and my house payment is going up by $ XXXX. The title company has explained that this is the practice of XXXX, but I am at a loss at to how it is ethical, or at the very least not disclosed to the buyer. My payment at closing was $ XXXX. Now I am being asked to pay back the shortage, and keep the account caught up to the tune of $ XXXX. 

Line XXXX of the closing document ( attached below ) in section XXXX or L clearly states the taxes for XXXX/XXXX/XXXX to XXXX/XXXX/XXXX were XXXX for tract XXXX, and then {$240.00} for tract XXXX Add those numbers and you get : XXXX Divide that by XXXX, as that accounts roughly for the first 7 months, and you get : XXXX. Our escrow was seeded based on a much lower number $ XXXX month. That is the issue. Along with our payment not being based off the higher tax amount. By my calculation, my escrow should have been seeded with {$1200.00} XXXX XXXX XXXX {$13000.00}, and not the {$11000.00} that is itemized on line XXXX in section G of the closing document. Thats a shortage of {$2700.00} roughly and then if you add the extra {$250.00} a month the our payment should have had added to it over the past 13 months, you get {$3200.00} Adding those together is just over {$6000.00} which is right where we find ourselves short.
Product: Money transfer, virtual currency, or money service

" Bank America is blocking you from enabling external applications. The Consumer Financial Protection Bureau makes sure Banks, and other financial companies treat tou fearly. You can alert Bank of Amarica that you need access to your financial data by filing a complaint with the CFBP ''. XXXX
Product: Debt collection

I had a derogatory remark removed from XXXX and XXXX   almost two months ago and I contacted experian and they said they showed no derogatory remarks but since I ha free membership it would not show to me till this month. Well they updated my credit score and it still shows on my fico score. I want it off. If the others show it's been off for almost two months then I want it off experian. I'm tired of them playing with people 's credit scores
Product: Debt collection

I have made repeated phone calls to Huntington, to set up a payment plan and to find out the amounts owed on the debt. In XX/XX/XXXXmy balance on my credit report said {$890.00}, I was told I had to pay an initial {$200.00} in order to set up a payment plan to which I would pay at least {$50.00} each month by the XXXX of every month. I have since paid at least {$50.00} if not more a month. I have pulled my credit report and watched the dollar amount I owe decrease every time. I called 2 months to attempt to settle the debt because according to the credit reports I pulled it was under {$200.00} left on the credit. The gentleman I spoke to then was argumentative, could not explain how or why the credit report was reporting a lesser amount then what Huntington is saying I owe. I asked for a copy of my proof of payment they have and he agreed to send it, but I never received it. In attempt to make my final payment and get the negative debt off of my credit report completely I sent a pay to delete letter to Huntington on XX/XX/XXXX stating that I would pay the balance of {$32.00} to erase the debt. On my credit reports that is what the balance shows. I received a letter stating my balance is {$700.00}. I have explained that no letters have been sent stating a balance other than the letter that was just sent XX/XX/XXXX. Since they have continuously reported to the credit bureaus every single month if it was some sort of mistake it should have been caught a long time ago. It is a drastic amount from the {$32.00} balance this month that they have reported the balance to the credit bureau versus the {$700.00} they are now stating that I owe. I spoke to 2 people onXX/XX/XXXX from Huntington, 1 could not give me any answer and to why it is 2 balances and Huntington has incorrectly reported, I asked for a manager she told me it could possibly be because they do not report to the credit bureau every month. When I stated according the reports I have pulled, it updates every month she placed me on hold. After waiting several minutes she came back and informed me that yes they do report every month but still could not give an explanation for why this balance is coming up incorrectly every month. I refuse to pay an amount other than what is on my credit report.
Product: Vehicle loan or lease

The company wrongfully repossessed my vehicle causing missed work, false credit reporting which caused high interest rate on my next vehicle purchase. Excessive fees were charged. Loss wages. Harassment from collectors. Between the years of XXXX I believe not 100 % sure of the dates.
Product: Debt collection

During XX/XX/2018, I sent a letter to Aargon Agency. In the letter I asked for the company to please provide me with evidence of the authorization of this matter, the authorization of law for them to collect this information, proof of the alleged debt, including SPECIFICALLY the alleged contract or other instrument bearing my signature. I also request that they please identify the original creditor, provide a complete account history including charges added for collection activity, provide that their agency is a licensed debt collector and can operate to do business in my state and also for their license number and registered agent. As of today, I have not received a response from the agency. 

During XX/XX/2018, I once again sent another letter requesting these information from the above-mentioned companies, no response received. I have sent multiple letters to each credit bureau to have these accounts removed from my credit report, but they refuse stating the debt has been verified, but they provide no proof as to how the debt was verified despite me sending letters that the debts have not been verified.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00}
Product: Mortgage

Previously filed a complaint and the mortgage company states we just reached out and that is not true, I have documents I will load to show we have been reaching out since XXXX
Product: Mortgage

I applied for a HELOC loan with bank of America Back in XXXX of XXXX. My application was accepted, and we were in the underwriting process. Bank of America found that there was a Lien still on my home and stated that they could not proceed unless the lien was released. Bank of America had done the loan modification for me back in XXXX as they were the holder of the note for my mortgage. Bank of America had sold the servicing to another company, and since then I had refinanced from the FHA loan to a Conventional loan. All notes were paid when I refinanced. I reached out to ISN for a copy of the lien release from the modification and they provided it. Bank of America 's underwriting department for the HELOC was still showing a Lein on my house however for the exact amount as the release. When I reached out to the county to get the paperwork that was filed, I was able to retrieve both the original and duplicated lien that they had filed. I am now unable to do anything with my house because of the duplicated lien. ISN has maintained that they do not have such recording of the duplicate, and that Bank of America needs to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax letters to verify XXXX accounts and also correct the way the are reporting the accounts since XXXX of XXXX. I have yet to receive actual verification and the accounts are reporting inaccurately. 
The Account status are reporting as open- collections are NOT open accounts, The payment status is inaccurate- they are both reporting 120 days late - this is inaccurate on a collection account the past due amount should be XXXX the XXXX year history and the last payment are incomplete and inaccurate on both accounts equifax has said the accounts " verified '' but I have yet to see anything to verify all this inaccurate information Ive included all letters and the copies of my credit reports showing that EQUIFAX IS REPORTING THESE INACCURATELY NOT THE FURNISHERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to purchase a vehicle on XX/XX/2018 and come to find out there are numerous inquires from the last YEAR I did NOT recognize. I contacted customer service to help and it was stated that there was a breech and inquires were removed and then put back. I HAVE NOT received ANY notice of this and wanted the last YEAR removed. I was told she couldn't help me. I am a single mother trying to make it on my own and I need to get my credit together after a nasty divorce. I have recently found out MORE inquiries were added. Please remove the inquiries from 2018 other than XXXX XXXX AND XXXX XXXX as those were the ONLY XXXX I gave permission to do so. This is XXXX XXXX mistake and Why was I not notified????
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not my account as stated in the multiple letters they has sent to numerous addresses to avoid me disputing the account within the time provided by the FDCPA. This account was placed on my credit report knowing it could not be verified as the account was disputed in 2020 by XXXXXXXX XXXX and was removed because the company could not provide legal verification of the debt as per the FCRA. XXXX and Equifax removed and deleted the account and all information last. The company now has in violation of the FDCPA placed the account on my credit and refused to provide the initial letter prior to the debt being placed on my credit per the XXXX. Debt should be removed immediately especially if the creditor states the account is in dispute as i would have done if I received notification under the FDCPA. Creditor has only provided statement and not legal documents bearing my signature I am the person responsible for this debt. If XXXX and Equifax doesn't delete this unverified and fraudulent immediately, I will have to file damages under federal and state law as this is damaging my credit rating.
Product: Credit reporting or other personal consumer reports

Please look at the attached documents as I have noticed some inaccurate accounts on my credit report.
Product: Debt collection

Im unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. 

XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, Okay so I opened up my very first account with XXXX XXXX, I applied for the secured credit card with the minimum XXXX $ deposit I deposited XXXX $ & the 3 months later I was able to get another secured card from XXXX  XXXX & I deposited XXXX $ for that one. In just a about a year my credit was great & was building up also because I got my first car which was financed it was a XXXX XXXX XXXX XXXX $ which I never made any late payments on neither did I ever make any late payments on my credit cards either. Then right before I was booking a trip to the XXXX XXXX since i had not seen my family in about 7 years i spontaneously got both my cards canceled & when I called the bank to ask why they canceled my accounts they didnt give me a reason & told me I still had to pay my remaining balances which were only 30-40 % out of my limit but I even asked if I payed it off which in total was like 7 or 800 $ if they would reopen my accounts & they told me no & that I am welcome to re apply for another card.. so honestly being that I was leaving in a week to see my family I didnt even want to care about that anymore & I thought I would be able to handle it when I got back but I ended up staying there for about 6months & that ruined my credit which I why I am in the situation that I am in now & id really love a miracle.
Product: Debt collection

I am a consumer and natural person federally protected as defined by 12 CFR 1002.2 and serving XXXX XXXX XXXX XXXX and XXXX XXXX, debt collectors, with an official notice of dispute as defined by the FDCPA. Please be advised pursuant to 12 FR 1026.13, this constitutes as a notice of dispute for the amount of {$30000.00}. Please be advised I have not given XXXX XXXX XXXX XXXX any authorization to contact me, which is a violation of my Federally protected rights and a violation of 15 USC 1692. XXXX XXXX XXXX XXXX has stated We are trying to collect a debt that you owe which is also in violation of my Federally protected rights under 15 USC 1692. I also hereby include notice to cease and desist and to no trespass in the event that any party has no private right to the federal formal written titles 28 USC 3002 ( 1 ) ( A ) ( B ) ; 31 USC 3718 ; and 18 USC 8.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX {$XXXX} XXXX XXXX did not provide me a XXXX release my medical information to them, therefore by providing such information they are violating my XXXX rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DIDNT APPLY NOR GIVE ANYONE ELSE THE CONSENT TO APPLY WITH ANY OF THE COMPANIES LISTED ALL ARE DONE FRAUDULENTLY. 

1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX / XXXX XXXX. XX/XX/XXXX 9. XXXX XXXX XXXX XXXX. XX/XX/XXXX 10. XXXX XXXX XXXX XXXX. XX/XX/XXXX 11. XXXX XXXX XXXX  XX/XX/XXXX 12. XXXX XXXX XXXX. XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

So Ive been having this late payment reported on my credit for almost a year and I want to get it removed because it's saying on all the credit bureaus that it is a 30 day late payment when it was 4 days I was late That late payment was on XX/XX/22 and paid on XX/XX/22 the original balance was {$1800.00} but there was a late fee of {$41.00} which brought the total to {$1800.00} And my credit card company is discover and they cant do anything on the part is what I was told.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX on my Experian report and they would not let me reply back to the completed dispute to redispute the inaccurate information being reported to them! I could not.upload documents showing that the address for XXXX XXXX XXXX was invalid and that I have not received any response to my certified letters asking for documents bearing my signature showing that i owe XXXX XXXX XXXX {$840.00}!! Yet Experian and XXXX verified the debt! I demand XXXX XXXX XXXX be deleted from my report cause they are reporting to the credit bureau invalid physical address!!
Product: Student loan

When I consolidated my loan with Nelnet, I was told I was on the correct standard repayment plan ( phone conversation ) to receive Public Service Loan forgiveness, however I was recently informed that after making 105 payments, I was on the incorrect " standard '' repayment plan since 2010. Each time I have talked to Nelnet, I informed them I was XXXX XXXX military and intended to use PSLF however was never advised that my payments were not qualifying.
Product: Mortgage

I was havng problems and they gaveme a modification. I made the 3rd test payment on themodification and they then said never mind we were kidding your not getting a modification. I 've gone crazy trying to catch up and they have chanrged me almost {$800.00} in fees that I have no idea what they are. it seems for every 2 payments they are taking one payment in fees
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 XXXXXXXX XXXX XXXX XXXXXXXX, 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 602 A Section : It also states a consumer reporting agency can not furnish an account without without my written instructions.
Product: Credit card

I have a numerous amount of charges on my credit reports from identity theft. Please help me! I have attempted to call each company nd even sent in paperwork that the FTC website asked me to send in with my request to remove, but to no avail. Please help me in getting these accounts removed from my credit reports asap, Thank you for your help.
Product: Prepaid card

From XX/XX/XXXX to XX/XX/XXXX my Bank of America Edd card was being used with out my knowledge nor consent I have sent in numbers of police reports they are still saying I had knowledge
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. TRANSUNION has been reporting incorrect information on my credit report for XXXX   XXXX/XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to TRANSUNION regarding the XXXX XXXX/XXXX account, which was received by the TRANSUNION on XX/XX/2018. On XX/XX/2018, TRANSUNION responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I informed TRANSUNION that any automated response or XXXX   verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, TRANSUNION has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.