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

My natural inalienable XXXX given rights are being violated pursuant 15usc1681c-2 by all three credit reporting agencies. ( XXXX, XXXX, and Transunion ) Each agency which has no authority granted by Congress to report any of my information being a private Man, further more without my express written consent. 

But on the XXXX day of XXXX in the year XXXX  all agencies received by certified USPS an FTC identity theft report along with a written order to block and remove those accounts and information in accordance with FEDERAL LAW pursuant 15usc1681c-2. ( Please see attachments ) ( My request did not meet the criteria to decline or rescind, according to 1681c-2. ) It has now been 6 days from the date of each agency signing for my order, and I am with the understanding after 4 days of receipt without verification of mentioned accounts they are to be removed. After several conversations with each agency, I was informed by them all that they have started an investigation and dispute process according to their " Agencies Regulations. '' The deceitful language being used implies that their inhouse corporate regulations supersede and outweigh the ruling authority of the FCRA. 

1. I did not give express written consent to start a dispute. They did not receive dispute letters. 

2. Never gave express written consent for the initial reporting of anything being reported, factual or not! 

2. If it is my responsibility and no one else to protect my faculties, that including fair credit reporting, makes it is also my duty to expose those who take an unfair advantage of my rights as Man. 

Although Exhibit B is titled Transunion be not mislead, each individual agency received their own personalized FTC Report and Cover letter.
Product: Credit reporting or other personal consumer reports

I am writing to express my strong dissatisfaction with the unauthorized accounts appearing on my credit report, which I believe are the result of identity theft. These accounts are causing significant disruption to my financial standing, and I insist on their immediate removal. I have taken the necessary steps to address this issue promptly, including reporting the identity theft to relevant authorities and disputing these fraudulent accounts with the creditors. However, the lack of cooperation and information from both the creditors and your bureau is unacceptable. Given the seriousness of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove these questionable accounts from my credit report. I require prompt confirmation of the removal and a detailed explanation of the measures taken to prevent such incidents in the future. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I hav multiple commercial realestate loan With my Bank XXXX Comerica Bank ) close to XXXX XXXX now I paid all the loans off I noticed that 2 swap loans out of 4 the realestate that the assets ( Building ) was sold over 4 years ago yet the Bank never stop taking the payment every month via XXXX for Principal and interests they never credit me back or closed the 2 Swaps loans I dont understand where all the payment went close to $ XXXX in payment I dont understand why the refuse to address this matter with a specialist at the Bank so I can have a clear understanding how all my payments were applied I need your help the Bank now is putting a lot of daily pressure to get me to close the 2 remaining swaps loans please call me or email me ASAP
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian on XX/XX/year> about a XXXXXXXX XXXX charge off that appears on my credit report. I specifically requested that Experian verify this account by requesting original signed contract to show accuracy of ownership of said account as I do not recognize it. However, I received notification today XX/XX/year>, that the dispute has been verified as accurate without any proof of the verification process nor the original contract to validate ownership. I do not see how an account is thoroughly investigated in a matter of XXXX  days.
Product: Credit card

Did not provide a response Delinquent Account Lender XXXX/XXXX/16 HSBC BANK XXXX XXXX XXXX XXXX, NY XXXX XXXX A lender reported that you did not pay them on time, and the account is now 30, 60, or 90 ( or more ) days late Reporting Detail Account Number XXXX Amount Delinquent {$0.00} Account Balance {$0.00} Payment Status Unknown Contact Method Other Got it XXXX / XXXX is posting an account delinquent which is being reported as 30,60,90 days past due. This should n't even be on my history. Also I called them and they keep giving me the run around and can not find this account.
Product: Debt collection

I do not know anything about this collection and I have tried to dispute it online but get no response. After looking up a specific law " 15 usc 1692c ( c ) '' I believe this should be removed from my credit report as they have not responded to requests.
Product: Mortgage

I have been trying to complete a deed in lieu of foreclosure on my property of nearly three years. I filed Bankruptcy in XXXX of XXXX ( XXXX in XXXX XXXX ). At the time my mortgage was with XXXX XXXX XXXX. Not long after my discharge XXXX sold my mortgage to XXXX XXXX XXXX Bank, who then sold it to Caliber Home Loans in XXXX of XXXX. Even though I had tried multiple to times to turn the home over, I immediately contacted Caliber to try again as soon as I received word that they were the new holders of the mortgage. I did this even though I was no longer financially responsible for the note due to my discharge from bankruptcy. Not only did each company along the way continue to call me in an effort to collect the debt ( against the law ), I have had the worst time trying to simply move on with my life by completing a deed in lieu. Once I contacted Caliber and completed the paperwork for the first time, they sent someone out to the property to inspect / appraise it. At the time they were unable to do anything because they stated there were people living in the property ( squatters ). They told me I needed to have them evicted. The building became vacant between XXXX XXXX and XXXX XXXX and I have still been trying to complete a deed in lieu. My attorney has had multiple contacts with Caliber to no avail. The have stated they did n't have all of the information they needed, so we sent them more. Then they said I had a sewer lien, so I contacted the city on a Friday. The city said there was no lien, but one would be placed the following Monday. Caliber at that point agreed to pay the approximately {$450.00} lien in exchange for a reduced relocation fee. I gladly agreed and waited for my paperwork, which never came. After more agonizing time goes by I received a call from my account manager who advised me now that there was a $ XXXX lien on the property. Why this never showed up before, I do n't know. I was advised the loan was taken out in XXXX, which was difficult seeing I did n't buy the house until XXXX. I dug in and contacted the title company that performed my closing. The attorney for the seller apparently never filed the discharge for that lien, though the loan had been paid. After about two months, I finally received a copy of the discharge and forwarded it to my attorney who then forwarded it to Caliber. This was on XXXX XXXX, XXXX. To date, neither my attorney, nor myself have heard from Caliber regarding my deed in lieu. My patience is wearing thin. It has been 2 1/2 years since I filed bankruptcy and I still have a house hanging over my head. I truly want nothing more than to move on with my life. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) $ ( 6,600 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ( XXXX ) XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) ( XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ( XXXX ) XXXX  ( Original Creditor : XXXX XXXX ) ( XXXX ) XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have reported that I have used 20.29 % when it is 0.0 % of my credit limit and that is not true and i have them and they refuse to correct the information and the make my rating a risk factor. It is very important that my information is reported correctly.
Product: Debt collection

Pro Collect reported a negative item on my Credit file. An apartment complex. the account is old and re-aged. Pro Collect continue to add to the amount. I sent for validation of the account and never got a response from Pro Collect. They continue to report this erroneous account on my credit
Product: Credit reporting

On XXXX XXXX 2016 I checked my TransUnion credit report on XXXX and had a total of XXXX hard inquiries removed from my credit report. The inquiries that were removed are as follows : 1. XXXX XXXX : XX/XX/XXXX 2. XXXX : XX/XX/XXXX 3. XXXX XXXX : XX/XX/XXXX 4. XXXX : XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XXXX : XX/XX/XXXX 7. XXXX XXXX XXXX : XX/XX/XXXX 8. XXXX XXXX XXXX : XX/XX/XXXX 9. XXXX XXXX XXXX : XX/XX/XXXX 10. XXXX XXXX XXXX : XX/XX/XXXX 11. XXXX XXXX XXXX XXXX : XX/XX/XXXX 12. XXXX : XX/XX/XXXX 13. XXXX XXXX XXXX : XX/XX/XXXX 14. XXXX : XX/XX/XXXX 15. XXXX XXXX XXXX of XXXX : XX/XX/XXXX 16. XXXX XXXX XXXX : XX/XX/XXXX 17. XXXX XXXX : XX/XX/XXXX 18. XXXX : XX/XX/XXXX 19. XXXX XXXX : XX/XX/XXXX I checked my account on XX/XX/XXXX and all the hard inquiries were placed back to my account without sending me a reinsertion letter as required by FCRA Section 611. I have been calling TransUnion ever since and received no help. No one will transfer me, no one will connect me to an American representative or the fraud department. Multiple agents have been rude and unprofessional, some have told me that they know what happened but it 's basically to bad and I should simply file a complaint because they will not fix it.
Product: Credit reporting or other personal consumer reports

Upon looking on my credit report I've seen some inconsistencies 1 for Navy federal credit union on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and one  for XXXX XXXX  on XX/XX/XXXX yeah I just found some inconsistencies with these inquiries right here and I was just gon na try to get them removed properly
Product: Credit card

Ive been with pay pal since XXXX  Ive never been close to my credit limit much less over my credit limit. I had some charges that I didnt recognize and they reissued my credit line when they did they lowered my limit from XXXX to XXXX it made me go over my credit limit and with interest and fees I cant get it down. Ive never been late or missed a payment in all of these years. I never pay minimum payment and I have not charged anything on pay pal In almost a year but they have me over the limit they are charging outrageous fees and I feel like that is wrong to bring my limit down to where I am now over my limit when I have never been close to my limit. I want it fixed to a fair and manageable amount.
Product: Student loan

There are XXXX loans at issue. Both were taken out in XXXX  XXXX while I was at XXXX XXXX. The loans were initially serviced by Great Lakes but were then transferred to Nelnet. 

After receiving the funds, but before any academic assignments were due, I was struck by a car while walking in a crosswalk. I suffered a concussion ( among other injuries, which arent relevant ) which prevented me from being able to complete assignments. I tried, but could not focus long enough without the concussion becoming a factor. Ultimately the school dropped me for no -participation and I was deemed ineligible for the loans I was received. 

In XX/XX/XXXX, Nelnet sent me a thirty day demand letter. I was unable to pay the loans in full, and on XX/XX/XXXX, Nelnet stated that my loans were in the process of being transferred to XXXX. 

XXXX has no record of the loans in their system. I spoke to an agent at the XXXX XXXX XXXX and they said they have not received anything from Nelnet regarding these loans. According to XXXX customer service, my loans are in good standing. But according to XXXX financial aid department, who have forwarded XXXX emails, Nelnet claims the loans are still in default. Based on the speed with which XXXX XXXX XXXX  responds to me with messages from Nelnet, Nelnet is prompt at replying. But they have not provided an explanation why the loans have not been transferred.
Product: Credit reporting or other personal consumer reports

Unauthorized inquires reporting to XXXX NAVY FCU, Inquiry date : XXXX XXXX, XXXX  NAVY FCU, Inquiry date : XX/XX/year>XXXX XXXX
Product: Mortgage

We refinanced in XX/XX/XXXX and Plaza was the new bank. The first payment, due XX/XX/XXXX,
was in the amount of {$5000.00}. This amount- including taxes and insurance and based on an interest rate influenced our decision to refinance with Plaza. My XX/XX/XXXX statement, which is attached, notes the same amount. However, when I went online to make the XX/XX/XXXX payment, the amount due was shown as {$100.00} more. When I called Plaza, I was told that it was because of a shortage in the escrow account. They claimed to not know when the taxes were due and how much.
This is not acceptable to me and reeks of predatory lending practice by enticing a customer into a loan and then changing the terms ( bait and switch ) and it is illegal. A mere five months ago, Plaza obtained a title report showing the taxes on my house- school and town. The tax page of that report is attached as well and shows the town tax of {$6800.00} paid for XX/XX/XXXX ( the school tax is divided into two payments of {$6300.00} each, due in XXXX and XXXX ). In XX/XX/XXXX, I had received the attached notice from my town stating that Plaza had not paid my taxes. I had to call twice because the first rep blamed it on the title company. At closing, the title company had collected ( and paid ) my school tax due in XX/XX/XXXX. Because the three tax payment amount are similar, your rep was easily confused. Taxes in New York are higher than other parts of the country. I hope Plaza paid the interest that my town imposed, as I should not be responsible. If a lender insists on paying taxes and insurance and escrowing for same, they should have the decency to note the due dates and avoid penalties. Still- Plaza knew this amount was due and calculated its payment and escrow from the title report. The tax amount has not increased! It had actually decreased by approximately {$6.00} even with the penalty- to {$6800.00} from the title report amount. Therefore, I am puzzled as to why Plaza would feel it appropriate to increase my payment amount. I have sent them a letter and called to follow up ( 20 minutes on the phone ) to no avail.
Product: Credit card or prepaid card

I was alerted that someone used my card fraudulently for services that were not even related to my name or anyone I know. I reported them and Care Credit has not been handling this seriously. They never removed the amount and have been reporting this to the credit agency ever since. I have used Care Credit for over 15 years and have always paid off my balances, I have worked hard to get my credit score higher and don't want to risk that. I feel strongly they are ignoring my pleas for help and not taking the situation seriously. I am on full XXXX and financially need to have good credit as I move through my life. Thank you
Product: Credit card or prepaid card

I opened a prosper account, was approved and sent a card. When I signed up I was told the annual fee would be waived for the first year with automatic payment and I linked my bank account info as well when I appplied. The first time I tried to use my card for XXXX my card was declined and restricted. I contacted customer service and was advised my account was restricted and they would send to internal team to review on XX/XX/XXXX, I call again XX/XX/XXXX and am told again still being reviewed. Here it is 11 days later and my account is still restricted and not able to be used and still being reviewed. On top of that I was charged a XXXX annual fee, even though I haven't ever been able to use the card. I explain this and am told the automatic payment was not set up right and they could set up and see if they could request a refund for annual fee. I ask for a XXXX, I'm told XXXX busy and asked to wait. I wait XXXX minutes and get a supervisor not a XXXX, I spoke with a Supervisor named XXXX who tells me same as previous and I ask for a XXXX and she says the managers just went off shift, XXXX that. I ask to hold for a XXXX and she stops speaking expecting me to hang up and I don't. Then I ask for corporate address and she tells me to hold, I'm on hold for XXXX minutes then she hangs up on me. This is poor service. How can you bill me when I was suppose to have no annual fee for the first year then on top of it haven't ever been able to use the card!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX No investigation by the credit bureaus was done as I filed a complaint against them for this issue and they keep ignoring or pulling stall tactics and parroting what the data furnisher is responding back with the automatic response system E-Oscar the bureaus failed me multiple times and here is the proof once again they are NOT investigating anything, I never received any information on how they did the independent investigation in their own words on this compliant filed on XX/XX/2022 XXXX they said and you can go read it that this was verified as accurate the date last active is wrong on both bureaus and this is a violation of re-aging and neither one is correct who is correct? Experian or XXXX and a violation for changing the balance by law this is not allowed and now must be removed immediately attached 2 prior consumer reports proving the violations and inaccuracy and a snippet of them saying this was verified as accurate, please tell me how this is even close to being accurate and was verified.
Product: Credit reporting or other personal consumer reports

In early XX/XX/XXXX I received a derogatory mark on my credit report from a XXXX XXXX account that was opened in XXXX. I have never in my life had any accounts with XXXX XXXX in my name. They claim it was for a cable bill. I have never had any accounts with them. When I give them my social security to check the accounts nothing comes up yet when I disputed with experian they still came to the conclusion that I am responsible. How is this possible? XXXX agreed that it was most likely a clerical error and they apologized for the mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is a list of hard Inquiries that I have no knowlege of : 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
Product: Money transfer, virtual currency, or money service

Hello, I would like to file a complaint and protest the banks chime decision on my complaint. On XX/XX/XXXX, I made a holding deposit when submitting an application, but on XX/XX/XXXX, I canceled the submission and the money for the application returned to my account, but the holding deposit did not return. When contacting a representative of the apartments, I was told that the transaction had already been canceled, and it didn't even go into their account, but remained in the bank, and if I don't get my money back, then I need to contact the bank. On XX/XX/XXXX, I created a dispute with the bank and the deposit amount was returned to my account. But today I received a letter from the bank, with the information that my dispute would be rejected and the funds would be debited from my account. Please look into the situation and give it an assessment.
Product: Credit reporting or other personal consumer reports

I have been dealing with unauthorized use of my personal information, which has resulted in fraudulent inquiries on my credit report from unknown companies.

These are the unauthorized inaccurate and fraudulent information 's on my credit report : XXXXXXXX XXXX ( Bank ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/ I reached out to start negotiations to settle charge off, on XX/XX/ I received a response and was offered a payment plan I accepted. Took a couple days to set up and was imminently charged via my XXXX for the first installment of the payment of 3. I reached out to the person that was emailing me to get a copy of the documents signed for my records. On XX/XX/ I received and email saying I chose the wrong settlement however I was given 2 options, and they stated that I should of paid more attention to the documents as they dont have copies of what was signed. 

I dont feel this is the complete truth due to the fact that they wanted me to take a different amount, and dont want to honor the contract signed for 3 installments to settle chargeoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccuracies on my report and I received a notice back that the errors were not corrected on my report. I have no current contract with  XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  or  XXXX   XXXX   XXXX . I am being damaged financially due to this false information in my report. These accounts have been removed from other bureaus due to being false and unverified but Equifax continues to harm my ability to participate in commerce.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Wells Fargo XXXX XXXX Credit Bureau dispute resoluti XXXX XXXX, IA XXXX Subject : Debt Verification Request Due to XXXX XXXX Breach To Whom It May Concern '' I am writing to formally request verification of the debt referenced in your recent communication Account Number : XXXX I believe I am a victim of the XXXX XXXXXXXX XXXX XXXX breach, and this debt may have resulted from identity theft or fraudulent activity stemming from that breach.

As a victim of the breach, my personal information, including Social Security number, was compromised. I request that you provide the following information to verify this debt : XXXX. The original creditors name and contact information. 
XXXX. The specific amount of the debt and a breakdown of charges. 
XXXX. A detailed record of how this debt was incurred. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt, and I ask that you provide the necessary documentation before any further action is taken. 
If this debt is indeed a result of fraud, I will also be reporting the incident to the appropriate authorities and will seek resolution through fraud protection channels. 
Please respond to this request at your earliest convenience. You can contact me at email address- XXXX Sincerely, XXXX XXXX