23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I recently opened a savings account and shortly thereafter attempted to go online and open a checking account with US Bank. I received a written notice that they were unable to establish a new checking account on line and that it was declined, so therefore I went into one of the branches and the lady there at the desk opened a checking account for me. 

A few weeks later I soon learned that US Bank had completed a hard inquiry on my credit report. 

I NEVER GAVE THEM AUTHORIZATION TO DO A CREDIT CHECK, NOR WAS I INFORMED THAT THEY WOULD BE DOING A CREDIT CHECK. 

IF I HAD BEEN INFORMED OF THIS I WOULD HAVE NEVER OPENED EITHER ACCOUNT. 

NO ONE HAD THE RIGHT TO PULL A CREDIT REPORT WITH OUT YOUR KNOWDLEGE OR YOUR CONSENT. 

I GAVE NO CONSENT AND HAD NO KNOWLEDGLE OF THIS
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall____ ( i ) promptly delete that item of information from the file of the consumer, or modify that the item of information, as appropriate, based on the information from the results on the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT IMMEDIATELY : 1. XXXX XXXX XXXX 2.XXXX  3.XXXX 4.XXXX  5.XXXX  XXXX 6.DPT ED/ XXXX 7.XXXX  XXXX  8. XXXX  9. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive contacted various places, XXXX XXXX XXXX XXXX XXXX  and various of other phone calls. 

Due to receiving emails on XX/XX/XXXX of a data breach, and that my information has been compromised, and previously to current potentially a victim of identity theft. One as a consumer would use the 15 U.S.C. 1681, which is a right to privacy. Due to a lot of these creditors and companies selling to other companies doing unlawful things by getting my information is a violation, and seeing that I have not given out my information they should have consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX {$5400.00} XXXX XXXX {$1900.00} XXXX XXXX {$860.00} XXXX XXXX DEPTEDXXXX XXXX $ XXXX XXXX XXXX XXXX  XXXX {$4200.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX {$16000.00} XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX {$98.00} XXXX XXXX  XXXX {$260.00} XXXX XXXX XXXX {$1700.00} XXXX  XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$54.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX {$250.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Someone used my information XX/XX/2023 to apply for a MACY'S/CITIBANK credit card in my name. I did not give anyone permission to apply for any credit. I did not give anyone permission to use me as a cosigner. My credit score was so low ( XXXX ). I knew I would have never been able to get a credit card. Let alone a MACY 'S credit card.
Product: Debt collection

They called at  XXXX  on  XXXX   XXXX ,  2017 . Looking for my wife. I told they she was not here. I asked what they wanted and they told me it was personal matter. I ask ed ifI was bing recorded and I was told I was. I informed they that in MD they had to tell people that according to MD law. I asked for an address to mil a compliant to. The lady started screaming at me. I then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX should not be reporting to Equifax ; XXXX and XXXX the two accounts for XXXX and XXXX. These accounts were previously deleted from my credit report because they were reporting in error. Equifax ; XXXX and XXXX have recently started reporting these accounts again. This false reporting of these accounts is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX XXXX XXXX to fix this however, I have not been successful.
Product: Student loan

I called aidvantage last week to request a refund of payments made during the Covid relief period from XX/XX/XXXX to XX/XX/XXXX due to the president announcing student loan forgiveness for my income bracket and pell XXXX status. I also asked that my loan be put back into the offered Covid forbearance until XX/XX/XXXX. I have not received a refund of payments made and my loan balance is still at the same as it was before asking for the refund of payments. The only thing that occurred was that my loan was put into forbearance.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding a Flagship Credit Acceptance account ( Auto Loan ) listed as charged off with a remaining balance of {$7500.00}, original balance {$19000.00}, and a written-off amount of {$14000.00}, across XXXX, XXXX, and TransUnion. 
THE VIOLATIONS : 1. FCRA 602 & 623 Inaccurate and Re-aged Reporting The account shows a charge-off in XXXX, yet it is still being updated and reported as past due in XXXX. 
This is a blatant re-aging violation, artificially damaging my credit profile and extending the derogatory period illegally. 
2. FCRA 611 ( a ) ( 1 ) ( A ) Failure to Verify the Debt Flagship Credit Acceptance has not provided : The original signed contract ( wet signature ) Complete payment history Legal validation or ownership Under the Fair Credit Reporting Act, failure to verify must result in permanent deletion.

3. FDCPA 807 Misrepresentation Reporting a charged-off account as still having a past due balance is a deceptive practice.

Once charged off, no further past due amounts can legally accrue unless a new agreement was signed.

4. FDCPA 809 ( b ) Validation Failure This debt has not been validated in writing. No documents proving legal standing, itemization, or contractual agreement were produced.

IRS VIOLATION IRC 6050P / IRS Publication 4681 According to IRS Code 6050P and IRS Pub. 4681, when a cr
editor charges off {$600.00} or more and writes it off as a loss, it is typically reported to the IRS via Form 1099-C and considered canceled debt income for the borrower. 
XXXX XXXX charged off {$14000.00}, they were required to report it to the IRS and can not continue to collect or report it as past due. That is double-dippingcollecting on a debt while taking a tax write-off on it. 
**If this was reported to the IRS XXXX then the debt was legally canceled and can not be pursued further. 
**If this was not reported to the IRS , Flagship is in VIOLATION of IRS code and FCRA simultaneously. 
**Either way, XXXX can not have it both wayseither its collectible, or its been written off and closed. The current credit reporting violates federal tax law and credit law simultaneously. 
If not resolved within 15 days, I will : File complaints with the IRS Office of Whistleblower Contact the FTC, Attorney General, and private legal counsel Pursue a civil suit under the Fair Credit Reporting Act and FDCPA for damages
Product: Debt collection

The company called my sons cell phone asking for me and was told that was not my number the guy XXXX told my son that his number was the only number they had. I called XXXX and the agent I got XXXX XXXX told me that they had my number on file. I told Ms XXXX to remove my sons phone number from the account. I ask the company name she gave me Nobilis XXXX. I told her I have no idea who that company was and told her to send me something by mail and to remove my phone number. I told her not to contact me by phone only by mail. She told he they had the right to call me weekly. After I told her that was not true she got angry and told me not to call the company back and hung up on me. I wanted to make sure they had removed my phone number and my sons so I called back and go a case manage named XXXX. I told him the same thing that I had told XXXX and told him I have never heard of this company and to send me something by mail. When I refused to give him more info I had already verified my DOB he told me he would mark it as a refusal and the company would sue me for 3 times the amount owed. I hung up on him. The threat to sue me for 3 times the amount due was why I hung up.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX XXXX XXXX HL Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt 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 delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX {$2000.00}, DOE XXXX {$2400.00}, XXXX XXXX XXXX {$510.00}, DOE XXXX {$4900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX BANK HAS DECREASED MY CREDIT CARD LIMIT FROM XXXX TO XXXX STATING IT WAS FROM INFORMATION OBTAINED FROM MY EQUIFAX CREDIT REPORT. XXXXXXXX XXXX  CLAIMS THE DECREASE WAS DUE TO BALANCES INCREASING IN THE LAST 12 MONTHS ( ITS A CREDIT CARD THAT TENDS TO HAPPEN ) MISSED PAYMENTS ( NOT ACCURATE ) AND INQUIRIES ( NOT APPLICABLE AND HAS NOTHING TO DO WITH XXXXXXXX XXXX ) I HAVE SPOKE WITH EQUIFAX AND THEY HAVE INSURED ME NOTHING WAS WRONG WITH MY XXXX XXXX ACCOUNT AND ITS BEING PAID AS AGREED. ALSO MY CREDIT HAS DROPPED XXXX POINTS FROM WHATEVER INFORMATION XXXXXXXX XXXX OBTAINED FROM MY EQUIFAX REPORT THAT CLAIMS I HAVE MISSED PAYMENTS AND ALL OF THESE OTHER INACCURATE EXCUSES TO DECREASE MY CREDIT LIMIT THAT HAS NOTHING TO DO WITH XXXXXXXX XXXX. APPARENTLY XXXXXXXX XXXX CONDUCTED A SOFT PULL OF MY EQUIFAX REPORT AND IT DOES NOT SHOW UP ON MY INQUIRIES. IF XXXXXXXX XXXX  FEELS THIS STRONGLY ABOUT MY CREDIT AND THINGS THEY FOUND ON MY EQUIFAX REPORT WHY WAS I ISSUED THIS CARD IN 2021 AND AFTER 6 MONTHS OF ON TIME PAYMENTS WHY WAS I GRANTED A CREDIT LINE INCREASE AS WELL? I HAVE ALWAYS PAID XXXXXXXX XXXX ON TIME AND HAVE NO LATE PAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX CLOSED XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Account Number XXXX Original Creditor Name XXXX XXXX XXXX XXXX  {$430.00} bal. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Debt collection

The collections account stated XX/XX/2019 XX/XX/2019 XX/XX/2019 my birthdate and social security number to open a fradulent medical account with medical health accounts. 

{$770.00} {$980.00} {$160.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized hard inquiries that appear on my credit report. I did not initiate or authorize these inquiries, nor are there any corresponding accounts opened in connection with these inquiries. Therefore, I am formally requesting that these inquiries be removed from my credit report to ensure accuracy and compliance with the Fair Credit Reporting Act ( FCRA ).

**fair Credit Reporting Act ( FCRA ) Compliance** - Under Section 604 of the FCRA ( 15 U.S.C. 1681b ), hard inquiries can only be added to a consumer 's credit report with the consumers permissible purpose and explicit consent. Since I did not authorize these hard inquiries and have no associated accounts with these creditors, these inquiries are a violation of my rights under the FCRA.

\2. **FCRA Accuracy Requirements** - Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires consumer reporting agencies to ensure the accuracy and completeness of the information they report. Reporting inquiries without proper authorization or permissible purpose is not compliant with this standard, as they create an inaccurate representation of my credit activity.

3. **Impact of Unauthorized Inquiries on My Credit** - Hard inquiries on a credit report can affect a consumers credit score negatively and may lead to misrepresentation of the consumers credit profile. Since these inquiries were made without my consent, they should not be allowed to impact my credit standing.

Request for Action In light of the above, I respectfully request that TransUnion : 1. Investigate each of these hard inquiries to confirm that they were added without my authorization and without a permissible purpose.

2. Remove these unauthorized inquiries from my credit report, as they do not comply with the FCRAs requirements for accuracy and permissible purpose.

3. Provide me with a free updated copy of my credit report showing the removal of these inquiries. 
Thank you for your prompt attention to this matter. I trust that TransUnion will take the necessary steps to maintain the accuracy and integrity of my credit report as required by federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment DATE to my report which is incorrect, and I am asking this be deleted immediately. 
Name of Creditor XXXX Account Number XXXX Late Payment Date XXXX- XX/XX/2020 Name of Creditor XXXX Account Number XXXX Late Payment Date XXXX- XX/XX/2XXXX XXXX
Product: Debt collection

Collection notice dated XXXXXXXX XXXX amount {$210.00} the company name Radius Global Solutions llc
Product: Mortgage

I was using the Cares Act, I had 3 " trial payments '' due by XXXX that I completed paying on XXXX. 

I have been in CONSTANT contact with my point of contact, XXXX XXXX, every day. I have uploaded all docs to their website and Loss Mitigation email. 

Tonight, on XXXX, I was called, not by my Point of Contact, but someone else in Loss Mitigation. She asked for items I had already sent in. Again. Uploaded to their website, emailed to their employees. 

Shellpoint never did my Modification, their MERS report said I was married to the coborrower, we were never married, it didn't say that anywhere else, and I'd written the required letter, which of course they could not find. 

I was on the phone for an hour with them. She called to give me a NEW way Shellpoint was going to do my Modification, leaving the coborrower on the mortgage, tho he's been off the Deed for over a year, and I have a court order. 

After this terrible call, I went on their website to RE-UPLOAD and RE-EMAIL all the same items I'd already sent in. 

Shellpoint had added a {$15.00} LATE FEE on the Loan. Nothing was late. This is not allowed via the Federal Cares Act. And again, nothing was late. 

But then I read the top 2 columns, dated TODAY, XXXX after an hour long conversation with their Loss Mitigation Worker who called me : -Investor Loan Sale -Inv Loan Purchase Yes, they can sell your mortgage during a loan workout, but they have to tell you 15 DAYS BEFORE.

Of course, their response here will LIE.

They called me. The same day, AFTER, the loan was sold to another, unknown company, with no notice, no letters, no calls, no emails.

They snuck in a {$15.00} lying Late Fee, it was NOT late.

They snuck in a PMI payment too, that should have been removed a year ago. 

Now I'm in the middle of a Federal Modification, Shellpoint was REQUIRED to tell me, I have a court-order to remove the coborrower from the mortgage, and they sold it. 

Don't worry, like on all these other responses, they will LIE. 

But if they say they told me it was being sold 15 days ago, why did they call me tonight? And I received XXXX emails today? On a loan they most certainly did not tell me they sold, asking for more personally identifying information and proofs. 

Shellpoint is NOT FOLLOWING any MORTGAGE REGULATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX 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, 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 items 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: Debt collection

As ofXX/XX/XXXX Hyundai Finance is reporting a negative credit reporting to the OPM XXXX-XXXX Credit Report and Monitoring that payment is pass due in the amount of {$890.00}, Ref [ Case number : XXXX ]. I have not received any billing in the U.S. Mail or Email for the pass due amount and not a response to my last submission referring to the Hyundai Car Registration Payment and the Early Termination Fee ; which was not a bill. Hyundai Finance first stated that payment was made in full, no payment was due, not even the early termination fee. [ Case number : XXXX ] reference that XXXX XXXX XXXX did not make the full payment as first reported and now request that I make the payment as disputed, which was confirmed again the payment was made in full. I noted that there was a disputed within the XXXX XXXX XXXX XXXX regarding the Trade-in which I received a letter from XXXX XXXX XXXX asking that I return XXXX XXXX because finance was not approved as of XX/XX/XXXX. I received the certified return receipt notice dated XX/XX/XXXX in my mail box 15 days after the date of the letter along with several Letters regarding denied finance for the XXXX XXXX. When I did bring the XXXX XXXX to turn it in, XXXX had agreed to Finance the Auto.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a letter to TransUnion to notify them that according to the IRS Publication, charge off 's are considered income. Its illegal to report income on my credit report/file. Since then nothing has been done, nor has there been any correspondence.
Product: Credit reporting or other personal consumer reports

am writing to bring to your attention a concerning issue regarding fraudulent information on my XXXX credit report. The erroneous entry is an address listing at XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, which I have never lived at nor do I have any association with it. 
Upon discovering this incorrect information, I immediately contacted XXXX to dispute the address. XXXX advised me to XXXX Bank of America, the institution that reported this address, to request its removal. I followed their advice and contacted Bank of America on XX/XX/year>, to resolve the matter. However, despite my efforts, Bank of America was unable to assist in removing this fraudulent address from my credit report. 
This erroneous address listing is damaging my creditworthiness and could potentially impact my financial standing. I am concerned about the accuracy of my credit report and seek your intervention to rectify this issue promptly.
Product: Debt collection

I was a client of XXXX XXXX XXXX XXXX XXXX XXXX I believe this was over ten years ago, I requested a final bill and when it came I called to make sure all was paid, Now after all this time I am receiving XXXX statements from a company called XXXX XXXX XXXX XXXX not just for XXXX bill but XXXX, XXXX for {$310.00} and XXXX for {$180.00}. they have been noticed that these bills if they ever excessed have been paid, but they wont stop billing and reporting negatives on my credit report. when I requested the remove it from my credit report I was told to pay up and they would report it paid.
Product: Credit reporting

Some time ago someone at a Creditor entered my name as XXXX XXXX XXXX vice XXXX XXXX XXXX an obvious typo. Also reported an Employer as XXXX XXXX, vice XXXX XXXX. Again a typo by someone doing data entry. For years I have received credit offers to XXXX XXXX XXXX. Tried of it and would like my Equifax Report corrected. I have contacted XXXX and they have corrected via their process. Hoping this works.