23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 items in my document 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$140.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/year>XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX date opened XXXX Acct. XXXX, XXXX XXXX XXXX date opened XXXX Acct. XXXX, XXXX XXXX date opened XXXX Acct. XXXXXXXX XXXX XXXX date opened XXXX, Acct. XXXX. Inquiries : XXXX, XXXX XXXX, XXXXXXXX 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 
These 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. 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 # ( private case number ) 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: Student loan

XXXX XXXX XXXX notified me on XX/XX/XXXX that the interest rate on my consolidated loan in XX/XX/XXXX was going up from 5.5 % to 5.625 %. My balance is approximately {$210000.00} so it is a significant change. The letter stated no reason for why the interest rate was going up as it was supposed to be a fixed rate consolidated loan, not a floating rate. When I called, the customer service department stated that at the time of the consolidation of the loan in XX/XX/XXXX, the interest rate on one of the loans that was consolidated was published incorrectly back in XX/XX/XXXX and as a result the rate overall was now incorrect. There was no explanation on why the mistake from XX/XX/XXXX was only discovered in XX/XX/XXXX or why it was not discovered back during consolidation in XX/XX/XXXX. 

I fear that I am being ripped off here and I asked them to put the explanation in writing. I was told by the customer service person that they would request their manager to be able to put this reason in writing. I do not know if they will actually do this but I 'm hopeful. I 'm not sure which published interest rate they are talking about and why this mistake could only have been discovered now.
Product: Credit reporting or other personal consumer reports

I requested information on this debt and to possibly settle it because It was never verified and it is hurting my credit. However, they informed me that they longer have this account but are still reporting this account.
Product: Debt collection

NAVIENT SOLUTIONS LLC attempting to communicate with me without my consent about an alleged debt. I do not know NAVIENT SOLUTIONS LLC nor do I owe them anything. NAVIENT SOLUTIONS LLC are violating my federal protected rights and asking me to fill out discharge form when I dont owe them anything. Furthermore, I never gave NAVIENT SOLUTIONS LLC my consent to furnish an account in their records with my private information. This alleged debt theyre trying to accuse me of is not mine nor will I pay for it. NAVIENT SOLUTIONS LLC stated they will continue to violate me and keep causing severe damages against my consumer report. NAVIENT SOLUTIONS LLC believe they loan me, a consumer, something but that isnt the case. I do not know NAVIENT SOLUTIONS LLC. I am attaching a debt validation letter, Cease and desist, Affidavit of Truth w/ Exhibits, an invoice for the damages NAVIENT SOLUTIONS LLC caused, and an Identity Theft Report. I do not wish to do business with NAVIENT SOLUTIONS LLC nor allow my reputation to be ruined any further. Pursuant to 15 USC 1692k I am seeking monetary relief for the damages.
Product: Credit card

I noticed today Monday the XXXX aftering logging into my Bank Of America XXXX Credit Card that I had a payment pending even though I made a one time payment last week which brought my balance down to XXXX. 

I'm not sure how a Bank is legally allowed to take money that is clearly not owed to them ( XXXX balance ). 

I did a chat with a representative who basically said yes thats how it works its because it was already scheduled we still can take the money out even though you don't owe us any money. 

I was told that I would have to wait till the payment posted and then I COULD request on my own for the credit to get back to me. I was told after this happen it would be sent electronically but again no time frime and I have to call on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report to see accounts that were fraudulent, and are reporting to my credit report as if they are mines. I reached out to XXXX, they placed a fraud alert on my report and stated that they would get them removed haven't seen any improvement, XXXX has inquiries and accounts that aren't mines as stated on my identity theft report like XXXX, XXXX XXXX, and XXXX XXXX, and 3 hard inquiries that I didn't inquire about. Experian has the same info reporting to their bureau as well.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fess I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fess due to lagged posting of charges and credits .This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending you this CFPB complaint as a follow-up to the one I already filed asking that the fraudulent accounts and information you report on my credit file be immediately deleted. I've heard that you are legally obligated to delete any accounts and information that were created as a result of my identity being stolen under the Fair Credit Reporting Act section 605b. On XX/XX/XXXX, I sent a dispute letter together with comprehensive attachments of my personal identification documents and the ID THEFT Report I had just received from the FTC. As soon as you can, please delete the following things from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Investigate the disputed items and remove them as quickly as you can, in accordance with XXXX law. If you couldn't find a valid reason to keep reporting the disputed items, remove them from my credit file right away.
Product: Debt collection

XXXX Acct # XXXX I have no knowledge of this debt, dates or services rendered. I looked at my credit report and I noticed this agency on my report. I have written two verification letters ( receipt of notice ) attached. Company ignored my request and continued to report this alleged debt on my report.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts 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 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 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 These 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. 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 XXXX 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

Nationstar Mortgage Loss Drafts Department which refuses to release insurance claim proceeds. 
All checks received from XXXX insurance have been endorsed and sent to Nationstar Mortgage. As requested, all documentation required and listed in the Nationstar Loss Drafts Department package has been provided on timely manner and required inspection took place twice at our property. The second inspection was on XXXX XXXX, 2016 and repair has been approved for release all funds. The website says the funds have been released in 6 days. However Nationstar mortgage makes all possible way do not pay the money.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to Human Trafficking dept bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four day business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX {$6100.00}. XXXX  XXXX XXXX XXXX {$1100.00}. XXXX XXXX - XXXX XXXX.
Product: Mortgage

Case # : XXXX I received the attached letter from Wells Fargo. Obviously it has something to do with the CFPB settlement. I have called the number that is on the letter and all I get is the run around. No one knows where the letter came from when I do speak to someone.
Product: Debt collection

I didnt even have an Idea that i had this debt. I dont even recognize this debt. I would like to know what this is about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would Like to file complain against XXXX and Experian which are credit report company. I called them to dispute hard inquires on my credit reprot and they want me to call each company on my report. I did call some of them and some companies will send letter to dispute and some will not. My name is XXXX XXXX Email address is XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX, XXXX, L - IncorrectPersonal XXXX XXXX - IncorrectPersonal
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a payment arrangement with GM Financial to pay off the remaining balance of my XXXX lease. I paid the balance off in full XX/XX/2021. GM Financial negatively reported 30 days late for XX/XX/2021 and 60 days late of XX/XX/2021. These payments were on time. GM Financial said that there was inaccurate reporting and a discrepancy on my account. I had to send in bank statements showing proof ; even though their records indicated that I was indeed correct. As a result of the negative reports, I had another account close because my score was reduced significantly. I have worked very hard to pay off debts and repair my credit. This has impacted my ability to find and establish housing. This was not my error and it needs to be corrected and rescored. I would like the closed account to be reopened as that was contributed to this inaccurate reporting on GM Financials ' system.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA my rights have been violated. The accounts below are a violation of 15USC 1681b .I never gave consent or permission This is identity theft/fraudulent per the 15 USC 1681C-1 AND 15 USC 1681C-2 this information is to be deleted and blocked. 
XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX These are also violations of 15 USC 1681s-2a1a and 15 USC 1681eb . These are classified by the IRS as " income '' and income isn't to be reported on a consumer credit report and this violates 15 USC 1681 ( 2 ) ( a ) \ ( 1 ) stating to exclude any transactions or " experiences '' between the consumer and the person making the report from the consumer report. 

There is also a billing error on my self lender account. The late payments for XXXX and XX/XX/2023 are a violation of 15 USC 1666b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MA XXXX XXXX Employer : XXXXXXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

Venmo opened a personal payment account for my daughter who is XXXX years old, in violation with Venmo 's own legal terms. My daughter is using this Venmo account to make payments for substances she is not legally allowed to purchase, namely vaping devices. Venmo failed to implement appropriate controls to confirm that my daughter, upon opening this account, was in compliance with the legal terms posted on Venmo 's website which state " To create a personal account, you must be a resident of the United States or one of its territories, be at least XXXX years old or the age of majority in your state of residence and use a cellular/wireless telephone number that you own. '' I have contacted Venmo via email to request that my daughters account be closed.
Product: Debt collection

Contact info Name CKS PRIME INVESTMENTS Address XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX I paid off my account on XX/XX/2024, and requested the collection account be taken off my report multiple times and they refuse. I was advised after I settled the account it would be removed. They provided me with false information. Now they refuse to remove the derogatory information from my credit report.
Product: Debt collection

For Months I have been trying to reach out to XXXX, who is reporting negative information on my credit report. I have written letters asking for debt validation ( not verification ). I specifically asked for original contracts with my signature, as I have never had any accounts or have done any business with them. I also reached out to XXXX XXXX bank who XXXX says is the original creditor and they wrote a letter saying that they do not have any information regarding any account with them ( letter attached ). 

XXXX has NOT validated the debt that they are reporting on my credit report, however, they continue to report negative information. Also, they have sold the debt to Resurgent, which is illegal because they NEVER validated the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries below should be removed from credit report. did not authorize. 

Account name XXXX XXXX XXXX Date of requestXX/XX/XXXX + Options Show more Account name XXXX XXXX XXXX XXXX Date of requestXX/XX/XXXX + Options Show more Account name XXXX XXXX XXXX XXXX  Date of requestXX/XX/XXXX + Options Show more Account name XXXX XXXX Date of request XXXX XXXX Options Show more Account name XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX Date of request XXXX XXXX Options Show more Account name XXXX Date of requesXXXX XXXX + Options Show more Account name XXXX Date of request XXXX XXXX Options Show more Account name XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX  Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX  Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XXXX + Options Show more Account name XXXX Date of request XXXX + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX XXXX XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX Date of request XX/XX/2017 + Options Show more Account name XXXX Date of request XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports and was made aware that Discover Bank is sharing information with consumer reporting agencies that should be excluded from my report and is in violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XX/XX/2009, it's over 10 years ago, and information about bankruptcy still in my credit report.
Product: Credit reporting or other personal consumer reports

After having fraudulent information removed from my Lexsis Nexis report every time I attempt to get my report the company keep refusing to give me the report claiming they can not verify my identity when I send them my social security card and ID.