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

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

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

XXXX XXXX XXXX  is reporting duplicate inquires that I do recognize. Duplicates not authorized at no time do I recognize these duplicate inquiries.
Product: Debt collection

I have been disputing this debt collector for about 2 years I did not authorized them to have my social security number or any information about me I have requested thro the credit bureau to see where I signed for a debt with Jefferson capital system. I did not make this debt with them and I did not authorized any 1 to give out my information. To this company therefore I do not owe this debt under the fair credit act
Product: Mortgage

I purchased my house XX/XX/XXXX. I went in telling the sales rep that I was retiring soon and that I needed to get a house would be comfortable for my wife and I both physically and financially. 
The total price was {$450000.00} with payment at {$2800.00} per month which increased with no notice to {$2800.00} per month after 5 months. The payments were a little higher than I liked but I could handle the payment and I was told that I could refinance in 6 months and that the PMI could be taken off and I could possibly get my interest rate lowered, which I found was not totally correct. Because 6 months later I tried to refinance and was not able to. What I needed was to have a 30 or 40 percent difference in loan to home value and during that they told me that the first Mortgage company ( XXXX XXXX ) had not calculated my Property tax correctly. That was after I tried refinancing with 3 or 4 mortgage companies. That is when I found out that I needed the percentage difference and found out that XXXX XXXX had not calculated the property tax right. The company I trusted said that I should actually be paying more than {$3100.00} a month if the mortgage company ( Mr Cooper/ Nation Star ) had calculated my tax correctly. Now that I am retired I cant afford over {$3200.00} plus the other bills and utilities. 
I called my XXXX rep and explained everything to him and he explained to me that I needed to file a Qualified Written Request to my current mortgage company ( Mr Cooper/ Nation Star ). 
That brings me to the next problem. I sent the Qualified Written Request to Mr Cooper by fax, email, and mailed the same letter to two different Mr Cooper address with signed return receipt, Which I received. I sent all the forms of the QWR around the XXXX or XXXX of XXXX and I received the return receipts which were signed by the Mr Cooper Rep, XXXX XXXX on XX/XX/XXXX. 
My Lawyer said they had 20 days after they signed for the letters to reply back. As of today it has been 51 days and I have not received any notification from Mr Cooper/ Nation Star.

I have all my docs that shows dates and where they went if you need to see them.

My XXXX said that I should contact you and then you would be checking on this problem and let me know what I might need to do. I dont want to lose the only house my wife and I have ever had because of too many military change of station and low income we could never qualify and now if something is not done to correct my escrow it will continue to go more negative. The current escrow is negative {$2600.00} and that is after paying me paying {$720.00} to try and balance the escrow account but I cant keep paying that because I dont have the extra money to keep it balanced. We dont want to lose our house. 
Please help me or let me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had a data breach, and I was one of the victims of this data breach. Due to the nature of this problem in which my name, license number, social security number, and address were leaked, I felt the need to freeze my credit. I was charged fees for freezing my credit and I feel that this is injust. I am asking to be reimbursed XXXX dollars in charges for freezing my credit, because this was a necessary step that needed to be done after XXXX 's security breach. I should not be charged, and neither should anyone who 's information was leaked due to XXXX 's negligence.
Product: Credit reporting or other personal consumer reports

There is a debt on my credit report that is not mine. It has nothing to do with me and the credit reporting agency stated that it is my debt. It is not. So I re disputed the case. I asked them to provide validation of the debt which they have not done and its been over 45 days since the initial request. Law states that they have to give you some form of resolution or addendum that it will be taking longer and reasons why it would be taking longer.
Product: Debt collection

Genesis credit management is based out of Washington so they shouldnt be even trying to conduct business where they are not registered to do so. Second they are a third party company that has bought my debt without my consent through XXXX XXXX at XXXX XXXX which is identity theft. Last but not lease the 3 credit bureaus have also put inaccurate information on my credit report in columns : account #, date opened, last reported, and date last active. How I kno they are incorrect is because everything is suppose to be the same across the column for all 3 credit reports, in which they are not. Also as a consumer I know that each violation on the credit report results in reimbursement of XXXX $ in which I will be demanding as well as it needs to be removed.
Product: Student loan

XXXX 2013 Nelnet took over my student loan. They split it into XXXX different loans with the same account number to charge interest rates twice. After 7 months they raised the current payment amounts by 225 % with no notification. A couple of months after that they raised the current payment again. They put me in a forebearance that I did n't ask for. They reported inaccurately to the credit bureaus and had my student loans reported XXXX times. They also re-aged this account which is illegal. When asked for validation of the debt I was given a computer printout with in accurate information.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, 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 An Educational loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, A personal credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an authorized credit card opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, An Educational loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collection opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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  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: Credit reporting, credit repair services, or other personal consumer reports

Is to remove all the inquires off of my credit. I just turned XXXX and i havent put any of these inquires on my credit and its affecting me .And I was a victim of the XXXX inquiry error/glitch that happened but they want remove the inquires on my credit report.
Product: Debt collection

A collection attorney has contacted me in the past, re : a debt that was not validated by XXXX XXXX XXXX XXXX. The bank has never sent any debt info, and all matters were resolved with the bank. MARK A KIRKKORSKY PC was notified of this by me, and notified me that I had been sued and already had a judgment against me. I contacted the county attorney who told me this was not true. XXXX office then told me that I would be sued. I sent a written letter to his office, asking for all original documents, and never received a response. When contacting on the phone, I was sent to a voicemail, and never received any return calls. Since filing a complaint about the threats in 2012, the calls have stopped with the exception of a few per year which are normally hangup calls, and when I dial the number it is his office, but multiple times per year he is still sending inquiries to my credit report. This matter was resolved nearly 5 years ago, when neither he nor the bank could produce any validation of debt, yet he continues to persist
Product: Debt collection

I am writing about a collection on my XXXX credit report. The collection comes from XXXX XXXX. Portfolio Recovery XXXX is handling the collection. I have been a victim of identity theft and someone setup account with several credit card companies acting like me and never paid them. I have report this on all my credit reports. There is a fraud alert too. The amount is showing up as {$1300.00} and as a negative collection. I need Portfolio Recovery XXXX to remove it completely from my XXXX report. I am refinancing my home and they indicated that it would have to be removed and corrected before I can move forward. I am just being honest.
Product: Mortgage

XX/XX/XXXX Selene Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX RE Original Loan # # XXXX, New Loan # XXXX Selene Finance, It has been brought to my attention that Selene Finance had held the original loan # XXXX from which was sold/transferred from XXXX Financing XXXX XXXX. Selene Finance held the loan # XXXX from XXXX. The loan was then sold/transferred back to XXXX XXXX XXXX XXXX. Under the new loan # XXXX that was created by Selene Finance the loan was transferred/sold back to Selene Finance XXXX. On XX/XX/XXXX, Selene Finance sold/transferred the loan to XXXX XXXX  XXXX 

Selene Finance had no authority to offer any loan modifications, collect any payments consisting of principle, interest, and escrow. Selene Finance also had no authority to sell/transfer the loan because the loan was not held by Selene Finance XXXX XXXX the loan was paid off. In XXXX, according to legal official records filed in the XXXX XXXX XXXX XXXX the loan was authorized and held by a Government/State entity called The Florida XXXX XXXX and XXXX official records states Satisfaction Of Mortgage Note and Loan Modification Agreement in XX/XX/XXXX. 

On XX/XX/XXXX, I spoke to XXXX, a customer service representative for Selene Finance and she stated within the documents that the loan has been paid off. I already had acknowledgement of this information.What is in question, why did Selene Finance sell/transfer the loan to XXXX XXXX  , when the loan was already paid off. 
I AM REQUESTING ALL DOCUMENTS PERTAINING TO THE LOAN, FROM BOTH LOANS # XXXX, AND NEW LOAN # XXXX I am also requesting to be reimbursed : ALL PAYMENTS INCLUDING PRINCIPLE, INTEREST AND ESCROW FOR THE YEARS XXXX, XXXX, XXXX, XXXX, XXXX, PAID TO ME WITHIN 30 DAYS OF THIS LETTER. 

On XX/XX/XXXX Selene Finance generated a letter, NOTICE OF DEFAULT AND INTENT TO ACCELERATE. According to the Florida Office of Financial Regulations, this falls under XXXX XXXX practices. Selene Finance used unethical and unfair tactics generating a false document to receive money from a loan that was already paid off. 

In closing, there will be a complaint filed with CFPB and HUD Department XXXX Housing and Urban Development about this matter. Also attached to this letter is the Legal document, Satisfaction Of Mortgage Note and Loan Modification. 

Govern Yourselves Accordingly, XXXX XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Facts : I was contacted on my landline phone by a XXXX representative who informed me that XXXX was to return {$500.00} for services I purchased years ago which had been discontinued. They already had my checking account number and had me check to see if the {$500.00} was deposited. I checked, no ... XXXX, phone number XXXX stated check again ... no ... so then XXXX stated he needed to use the XXXX XXXX   server account to deposit the amount ... He pulled up a XXXX XXXX  server where I was to put my name and amount of {$500.00} to be transferred to my account. Instead of putting {$500.00}, I accidentally added an extra XXXX which I was unable to delete and was verified. {$5000.00} was placed into my account ... due to the mistake, XXXX 's superiors would not understand the mistake and place the blame on XXXX who would lose his job. XXXX, his manager, phone number XXXX informed me that I needed to withdraw $ XXXX and send to a XXXX  Agent to replenish the extra amount which I did. I withdrew {$4500.00} cash and mailed to XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, Ca XXXX by overnight XXXX XXXX. XXXX then informed me the next day, that XXXX XXXX  wrongfully put another {$4500.00} into my account ... again, I was to keep {$500.00} for my services and mail {$4000.00} to a XXXX  Agent which I did to XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, CA XXXX. 

Bottom Line, {$5000.00} was taken out as a cash advance on my Premier credit card and another {$4500.00} taken out of my line of credit without my authorization or permission. US Bank Fraud has denied since they said it was a scam. 

My accounts are with US Bank and I now have a lost of {$8500.00} minus the two {$500.00} deposits. 

I can be contacted at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, XXXX XXXX
Product: Credit card

Synchrony Bank first lowered the credit limit on my PayPal Credit account to barely above what was charged on it which dinged my credit score, then they did the same thing to JCP credit card. Then today I receive a notification that my XXXX account has been closed. The reason they provided was too many accounts with high utilization. They literally made two of my accounts become a high utilization status. I asked to speak to the department responsible for these decisions. They couldnt produce a department or a number. Ive called several times. One time I was given a number to a debt collector. Ive never missed a payment on any account I have with Synchrony. I guess Im just a sitting duck while I wait for them to continue ruining my credit. Presuming the next hit will be my Venmo Credit Card.
Product: Debt collection

Rent Recovery Solutions has been sending me collections notices for the last 2 years for a debt unpaid by a former roommate at XXXXXXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, MN. 
The first collections notice was dated XX/XX/XXXX. File no : XXXX. Balance owed : {$2600.00}. 
The second collection notice is dated XX/XX/XXXX. File no : XXXX. Balance owed : {$2600.00}. 

After the first collections attempt, I called the company and left a detailed message explaining that this debt was incurred by my former roommate, XXXX XXXX. I have emailed between myself and the leasing office and XXXX confirming this is her portion of the rent that was unpaid. I have receipts of every check I sent to the leasing office for my portion of the rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention Complaint Department XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 
XXXX, Ohio XXXX XXXX XXXX Loan # XXXX address of property : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Supporting Documentation is provided : Transunion Complaint : After disputing and providing official, accurate and complete documentation with Totals paid and Payoff amounts met as requested by XXXX XXXX. Transunion will ONLY agree to publish inaccurate information provided by XXXX XXXXXXXX. 

XXXX XXXX. Rice
Product: Credit card

I ordered a hoodie from XXXX and used Afterpay to pay. I ended up returning that hoodie to XXXX in store since I was able to get it cheaper. Upon returning it, I did get a receipt but did not hold on to it for long because I thought it would be processed. When I checked my Afterpay account, I saw that they were still collecting the money for the hoodie. I contacted XXXX and they said the refund was processed since XX/XX/XXXX and it shouldve returned to the Afterpay account. When I contacted Afterpay, they said I need XXXX digits on my return receipt even after showing them the email from XXXX but they claim that isnt enough proof.
Product: Debt collection

I am writing to formally request a copy of the Form XXXX for a debt charged off in the amount of {$1200.00}. The debt in question was discharged, and I would appreciate receiving a copy of the XXXX form for my records and for tax reporting purposes. As shown in attachments, this account in question is showing Charged off on all three credit bureaus. I have not received the XXXX but I continue to receive notifications to settle debt that has already been charged off. 



Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this formal complaint against TransUnion, XXXX, and XXXX to request the removal and blocking of fraudulent information on my credit reports due to identity theft. I have recently discovered unauthorized accounts and debts on my credit report that were opened in my name without my knowledge or consent. These fraudulent accounts are a result of identity theft, and I have already taken steps to resolve this issue. 
Details of the Fraudulent Information : Are attached in dispute letter I have taken the following actions regarding this fraudulent activity : 1. Submitted a complaint to the Federal Trade Commission ( FTC ) and completed an Identity Theft Affidavit ( FTC Affidavit Number : XXXX, XXXX, XXXX, XXXX XXXX. Contacted each credit reporting agency ( TransUnion, XXXX, and XXXX ) to notify them of the identity theft and provided the necessary documentation. 
Despite my efforts, the fraudulent information remains on my credit reports, negatively impacting my credit standing and subjecting me to potential liability for debts that I did not incur.
Product: Mortgage

I have an escrow account with Citibank to pay my taxes and insurance. The house receives one tax bill for the county and one tax bill for the city. The city tax bill was paid on time with no issues. The county tax bill has not been paid and is now 2 months late. I have inquired about this directly with Citibank no less than four times. The responses are generally, " it's under investigation '', " it has been escalated '', etc., but there has been no change and no updates. The bill was due on XX/XX/XXXX and was received by the bank in early XX/XX/XXXX.
Product: Mortgage

Was told my house was being auctioned off on XX/XX/year>. I called XXXX for help and they told me that my house has been up for sale for the past 17 days on some XXXX website. And I'm hearing that's illegal. I'm still in the home and have got no notifications saying that my house was going on sale. Last word I got from Carrington, XXXX XXXX said that she would be putting me in for another review for loss mitigation.
Product: Debt collection

XXXX keeps giving a debt I do not owe to different collection agencys and they keep putting it against my credit. I have talked to XXXX and they said they have cleared it up that was in XXXX and now they have given it to receivables performance and they have put it against my credit. I have XXXX  on voice mail and email saying they messed up and had a different amount than what receivables performance is saying.
Product: Debt collection

Around XXXX of XXXX CREDIT CONTROL reached out to me about an alleged debt that they were assigned from Current Owner : XXXX XXXX XXXX as of XXXX XXXX. Upon receiving the notice I contacted them to let them know the account isnt mine and Ive notice several inaccurate personal information such as my name, addresses, and other personal information. I informed them I am a victim of identity fraud and sent the documents they wanted to clear my name but to no avail I am still going through this ordeal
Product: Debt collection

On XX/XX/XXXX, I was notified by XXXX XXXX Customer Service my account was in collection and was sent to XXXX XXXX XXXX ( Contact # : XXXX ). This was the first time I was notified I was overdue. I have not received any notifications from either XXXX XXXX or the Collection Agency ( XXXX XXXX XXXX ). I immediately contacted the Collection Agency to figure out how this happened. 

History : On or about XX/XX/XXXX, I purchased some items from XXXX XXXX XXXXr. This line of credit was through XXXX. On or about that same year, XX/XX/XXXX, XXXX closed the XXXX XXXX XXXX website requiring XXXX XXXX XXXX XXXX XXXX to link their XXXX accounts. I linked my accounts, as required and requested by the website. Additionally, I verified it was done by trying to re-register, but it gave me an error stating my account had already been linked. In addition to my XXXX XXXX XXXX I have a XXXX XXXX  Account. The registration should have linked my overall XXXX account, but I am unable to see my XXXX XXXX XXXX account status ( website is shut down ) or unable to see a balance on my XXXX Account. 

XXXX Customer Service/Collections stated they sent email messages and mail to my home address listed. I always monitor my account information and update the address as needed. XXXX XXXX   stated their process is to send out email notifications first, followed by letters to the address on file and as a last resort calling the phone number listed. 

I was not afforded my due process to respond to a debt prior to collection. Furthermore, since the systems were not linked, I was unable to see a remaining balance due. My account has been overdue for over 400 days yet nothing reflects on my credit report. How can a consumer be charged late fees and interest on a balance he or she is unaware they owe due to a poor notification and system miscommunication/technical issues? 

Over the 400 day period, my balance went from {$170.00} balance owed to {$360.00}. The difference in balance can be attributed to late fees and interest charges. I do not dispute I owe a balance of {$170.00}. I made those purchases and do not dispute the charges. The remaining {$190.00} ( interest and late fees ) is a gross overcharge and should be reflected as a bad credit card practice when the consumer has no knowledge a balance is due. As a consumer, I should have protection and provided due process.