23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

private XXXX XXXX. 

Co-signed with XXXX XXXX ( spouse ). 

XXXX Origination Date. 

Last, and only full payment made : XX/XX/XXXX Item is still reporting to all XXXX bureaus when the item is too old to report. 

Fall Off should have happened.
Product: Credit reporting or other personal consumer reports

Filing a Complaint Against LVNV Funding LLC ( For illegally collecting on a charged-off debt! ) LVNV Funding LLC - FDCPA Violations LVNV Funding LLC is illegally collecting on a charged-off debt without proof of ownership, vio

lating FDCPA 807 ( 8 ). Violations Committed by LVNV Funding LLC : Failure to provide proof of debt ownership ( FDCPA 809 ) Illegal attempts to collect an unverified debt ( FDCPA 807 ( 8 ) ) I am demanding immediate cessation of all collection a
ctivities and account removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account for XXXX  XXXX XXXX # XXXX is on my credit report and it is incorrectly reported. After 2 investigations with the credit bureau 's the accuracy hasnt been corrected. The following is incorrect on the reporting...

1. ) It is rated every month as C/O. It should only have been marked C/O on the first month after the first 120 day late.

2. ) The following dates are incorrect on several reports, the Date of Last Activity, the Date Reported, the Date Opened, Closed Date.
Product: Debt collection

My identity was stolen to open a XXXX account in Louisiana. When I spoke to the collection agency, they pretty much ignored the information I provided.
Product: Mortgage

I was denied a loan modification. You kept saying you didnt have all the documents when they were emailed. All your responses are encrypted and I cant open them to read. Calling doesnt help I ask for documents to be sent via postal service and Im still waiting. I faxed everything to you for the loan modification application only to be told you needed new documentation not asked for before. All communication encrypted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on my Credit Report XXXX XXXX XXXX  Auto Loan Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} I am a victim of identity theft and I never opened this account. 

XXXX XXXX Credit Card Account # : XXXX Opened : XX/XX/XXXX Balance : {$240.00} This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX  Unsecured loan Account # : XXXX Opened : XX/XX/XXXX Balance : {$1800.00} This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX Credit Card Account # : XXXX Opened : XX/XX/XXXX Balance : {$420.00} This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Collection account from XXXX Account # : XXXX Balance : {$310.00} Original Creditor : XXXX XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Collection account from XXXX Account # : XXXX Balance : {$960.00} Original Creditor : XXXX XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Furthermore, I would like to dispute the following unauthorized inquiries : Inquiry from XXXX Date : XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

[ Other Inquiries- list them similarly as above ] [ Explain the discrepancies and request their removal. ] I kindly request that you conduct a thorough reinvestigation into these matters and provide a written response. 

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

XXXX has numerous credit cards on my credit report that do not belong to me, Home DepotXXXX XXXX XXXX XXXX XXXX XXXX XXXX bank account and other XXXX  credit card accounts.That I have no acknowledgement and I did not give any authorization to my info. 
XXXX XXXX XXXX repo they won't remove, XXXX addresses that belong to me. 
And obvious inquiries back to back
Product: Checking or savings account

HSBC current account was created in XXXX. The amount I deposited is with HSBC. I can't make bank to bank transfers or make bill payments because there is serious bug in their website that affects only my account and not other customers maybe. 

HSBC has put me in a vicious circle - The expect me to chat online through internet banking. When they fail they ask to me to call the helpline. When they fail, they send me back to the online chat. The vicious circle goes on and only wastes my time. 

HSBC has admitted that its a complex issue and they have kept me waiting for 2 months in the hope of getting a response from IT team. 

I am emailing them daily by they only give assurances if 3 days and then they default on their commitment every time. 

SEVERAL COMPLAINTS AND NUMEROUS PHONE CALLS HAVE BEEN MADE with several man-hours wasted in the process. 

Complaint 1. XXXX is the complaint registered in XXXX XXXX. 

Complaint 2. <case XXXX is pending with manager XXXX XXXX Complaint 3 : XXXX Complaint 4 : Higher level complaint number on XXXX XXXX, 2021 - XXXX Routing Number : XXXX Swift Code : XXXX XXXX ( CHIPS ) XXXX Account number to transfer funds into at HSBC HSBC 's address ; HSBC Bank USA , N.A. XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX.
Product: Credit reporting or other personal consumer reports

I was advised by a transunion and XXXX representative to fill out this report because of unauthorized inquiries in my report. Please remove all of these fraudulent unauthorized inquiries on my report. 

Please remove all of the unauthorized inquiries on my report. Thank you for your help. This is hurting my credit and reporting false information to future creditors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I paid XXXX XXXX {$5000.00} so that my account would be at a XXXX balance. But they are still saying I owe them money. They took my money and wont give me credit for it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : XXXX Account Number:XXXXXXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Bankruptcy Account Number:XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I noticed in my consumer report there is a charge off reporting to my credit report by the three major credit reporting agencies. The charge off is reporting and its illegal according to the IRS cancelled debt rules. IRS cancelled debt is income. I attached a screenshot of the IRS cancelled debt general rules.

Section 1681 of the Fair Credit Reporting Act ( FCRA ) actually pertains to the responsibilities of consumer reporting agencies regarding the accuracy of consumer reports. Under this law, it is illegal for consumer reporting agencies to include charge-offs, on a consumer 's credit report. Charge-offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consumer report. The document attached is a screenshot of the IRS cancelled debt general rules. Any attempt to report charge-offs on a consumer report in violation of the FCRA 's guidelines outlined in section USC 1681 is considered illegal. Compliance with the FCRA is crucial to protecting consumers ' rights and ensuring the accuracy of their credit information.

I hereby assert that the three major consumer reporting agencies have violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically regarding charge-offs, and collections. This action has resulted in significant financial harm and emotional distress. As such, I intend to seek litigation against these consumer reporting agencies to pursue damages and ensure accountability for their actions.

I am formally requesting that the three consumer reporting agencies promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding charge-offs, and collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681 theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 


ACCOUNTS : XXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is indicated that I paid my student late when that is not true.
Product: Debt collection

I received a notification from my credit report that Receivables Performance added a debt to my XXXX credit report. They did not include any information about the debt owed ( account number, original creditor, amount owed ). Receivables performance was unable to provide me with any information including my signature on a contract and to verify the debt is actually owed by me and I am demanding immediate removal from my credit report. Also, Receivable Performance never sent any collection correspondence by mail that would have allowed me to dispute in a timely manner to rectify the discrepancy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact experian regarding incorrect name variations that are not 100 % accurate and are in violation of CRA and HIPPA. They are showing name variations with a XXXX as a middle and that is not mine.
Product: Credit reporting or other personal consumer reports

Im reaching out once again because my report continues to contain errors that are actively hurting my score. These inaccuracies are affecting my ability to secure loans, housing, and other financial opportunities. I am incredibly frustrated that this has not been resolved yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECK MY CREDIT SCORE AND SAW SO MANY INQUIRES THAT I DONT KNOW AND DIDN'T AUTHORIES IT. I TRY CALLING THE COMPANY FROM WHERE THE INQUIRE WAS COMING FROM THEY TOLD ME THAT THEY DONT KNOW HOW IT END UP ON MY CREDIT CAUSE. THAT THEY CAN'T REMOVE IT BECAUSE THEY DON'T HAVE ANY INFORMATION OF MINE. THAT I HAVE TO CONTACT THE CFPB THEY  MIGHT HELP. DATES FROM XX/XX/XXXX THROUGH XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX  ACCOUNT NUMBER 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: Mortgage

I signed insurance funds to Flagstar mortgage in the amount of XXXX the HAF program also gave XXXX on my behalf to pay mortgage off according to payoff statement provided by Flagstar. Flagstar has on processed the half payment and not my Insurance payment advising they now want an additional XXXX and now still have me behind 2 payments. They sit interest as well as attorney fees ( the latter should have definitely been included in the payoff and the interest is ridiculous as the payoff amount has only changed a few XXXX dollars since XXXX but somehow I am XXXX short. They advised me they are awaiting attorney fees which they should already have. How can they offer me a payoff and then process the funds in a way that does not allow me to pay it off. They keep charging me interest even though they are responsible for the extended time it has taken by not supplying me with the payoff statement in a timely manner and then once check was sent to HAF they could not find and none of this is being taken into consideration. If you look at the payoff letters they have sent me more than once the funds they have are more than enough to payoff my house. There should be no more attorney fees. The foreclosure case was closed and I have been dealing with Flagstar directly for over a month now. I would like my home to be paid off and in a timely matter. I also requested a copy of the letter from the state telling Flagstar how to apply the funds. I have requested this three times in writing and I have yet to receive. If anything due to the many errors Flagstar has made ny account should be paid off immediately. They refused to apply the intestacy laws published by the cfpb to allow me to assume my mortgage and now refuse to pay off ny loan even though they provided the documentation to HAF and my myself informing us that this was enough to cover the complete mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the CFPB on XX/XX/XXXX regarding a duplicate hard inquiry on my credit report from Capital One Auto Finance on XX/XX/XXXX. See attached Complaint # XXXX. Capital One Auto Finance responded with the attached letter dated XX/XX/XXXX, providing in part : " If the dealer provides us with a letter, on dealer letterhead, stating the corresponding application was submitted in error, we will submit a request for the inquiry to be removed. '' On XX/XX/XXXX, the dealer, XXXX XXXX, faxed the requested letter to Capital One Auto Finance at the fax number provided and included a copy of the company 's XX/XX/XXXX letter. The company then sent me a letter dated XX/XX/XXXX, requesting " additional information, '' all of which is contained in the original complaint and supporting documents, the company 's XX/XX/XXXX response letter and/or the dealer 's XX/XX/XXXX letter. 

Please re-open the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 ) days late on XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted  the bureau to remove this however, I have not been successful.
Product: Mortgage

I was sent to foreclosure prematurely. My mortgage company denied my loan modification ( mid XXXX ) and also a repayment forbearance. When I questioned why the forbearance was denied I was advised by the manager ( XXXX ) that it was due to my income. XXXX reviewed the income information with me and found that the underwriters did not include both of my jobs when making their determination. She instructed that I immediately file an appeal. I filed the appeal ( XX/XX/XXXX ) and it was denied ( XX/XX/XXXX ) and at that point I was sent to foreclosure. I again spoke with the same manager who advised that I reach out to the consumer advocacy dept to file a complaint in an effort for the issue to be looked into thoroughly. I filed a complaint ( XX/XX/XXXX ) and received a letter ( XXXX ) from US Bank apologizing for the error and advised that they were going to reopen my file. When they sent the letter they did not retract the foreclosure, they refused my attempt at making a payment and on XX/XX/XXXX they denied me due to my account standing in as of XXXX, however had they thoroughly reviewed my initial appeal and not denied it, i would not have been sent to foreclosure and I would have been continuing to make payments during this 4 month process.
Product: Debt collection

i have received a call from a company by the name of XXXX . They initially called from XXXX on XX/XX/XXXX at XXXX. I called back to try and find out what the company was and why they were calling as i do not have any business with any companies called XXXX nor does this company sound familiar in any way. on XX/XX/XXXX told them i could not disclose my identity to them because i do not feel comfortable not knowing who they are calling on behalf of. They refused to disclose who they were calling on behalf of which they must do. I do not have to compromise my identity or ANY of my personal information to any company without knowing who the creditor is. I received a call from them again today from XXXX a rep answered the phone and again tried to trick me into identifying myself. I refused again and explained that i did not feel comfortable disclosing my identity until i knew who they were calling on behalf of which is outlined in FDCPA guidelines. The rep then transferred me to a supervisor, who was for lack of better word " XXXX '' and rude. She as a supervisor should know that before a client identifies themselves thy have the right to know the creditor. I explained to her that if she did not tell me who the creditor was i could not identify myself because there are far too many scams going on and i am not familiar with the business. She still refused and i then told her that i would make a complaint for the FDCPA violation she then hung the phone up on me because i refused to identify myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

AD ASTRA RECOVERY SERVICES contacted me and said I had a loan with XXXX XXXX. I told them I did n't and to send me verifiable proof that I had a account I knew they would n't be able to because this was Identity Theft. They said they could n't provide any information on the account. I spoke with fraud dept, called repeatedly, sent affidavant and proof of theft by authorities. After all that trouble they reported collection accounts to all three bureaus. They refuse to delete the untrue information I have disputed with bureaus but they still remain on reports. This company deliberately harmed me by reporting untrue information damaging my credit.They need to fix it .Identity Theft is bad enough without ASTRA trying to damage my credit for something I had no control over.