23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023, an agent representing Advanced Capital Solutions released information about my debt to a third party via telephone. The agent contacted the third party, my father, at a phone number not associated to my account. He asked who was calling and what it was in regards to. The agent informed the third party that they represented Advanced Capital Solutions and were a debt recovery agency. They further advised the third party that they were trying to reach me in regards to several XXXXXXXX XXXX that I owed to them in debt. This third party was unaware of my debt, much less that it was several XXXX XXXX  and explained to Advanced Capital Solutions that his phone number has no connection to me. He further explained we live at separate addresses, do not share any finances, he confirmed the phone number the agent gave him was my only contact number, and advised the agent that he would pass along a message for me to contact them. 
After the third party advised me of all the information that Advanced Capital Solutions disclosed to him, I placed a call to the phone number the agent gave him ( XXXX ). A gentleman answered the phone and identified himself as representing Advanced Capital Solutions. I gave my name and explained that my information had been released to a third party without my permission. I also advised that I would like to discuss my debt as well as address the release of information. The gentleman stuttered, asked me to hold, and then placed me on hold. When he returned to the line, he stated he had to connect me with a supervisor and transferred the call. The line I was transferred to had a generic message. It did not identify a specific person and indicated to leave a voicemail with my name, phone number, and best time to be reached. I left my name, phone number, best time to be reached, as well as a detailed message. I explained that one of their agents released my personal financial information to an unaffiliated third party without my permission. I explained what information was released, stated that they should remove the third partys contact number from their database, explained that I believed the release of information without solicitation or my consent was illegal and asked for someone to please call me back to discuss. I have not received a response from anyone with their company. I have read the governments guidelines on collection agencies responsibilities in regards to protecting consumer data and release of information to third parties. I believe Advanced Capital Solutions has violated the governments regulations by releasing my information to an unaffiliated third party without my concent. They have also failed to contact me to address this violation.
Product: Credit reporting 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 XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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

Lender overcharged escrow in modification balloon payment and finally admitted to it but did not change amount due on balloon balance
Product: Credit reporting or other personal consumer reports

I am personally submitting this complaint regarding late payment entries on my credit record. Upon review, I discovered these late payment notations, which I dispute. I sent correspondence about this issue over 30 days ago but have received no response, nor has adequate validation been provided as required by law. I request your intervention to resolve this matter promptly.
Product: Credit card or prepaid card

On XX/XX/2021, Citi authorized XXXX transactions on my account to a store named XXXX by XXXX XXXX. 

The first transaction totaling {$14000.00} happened at XXXX and the second transaction of {$4400.00} happened at XXXX. 

I filed two disputes the next morning and at that time, Citi closed that account and opened a new one with a new credit card associated to it. I reached out to Citi 's help center and they asked if I called in to allow for charges of that amount the day of, which I did not. I've contacted Citi numerous times on the status of the dispute and all they have told me was that they are trying to contact the merchant. 

The merchant is no longer in business and seems to not have been for some time so I'm not sure why " reaching out to the merchant '' is taking so long. If the fraud team did any research into the merchant, they would realize that they don't exist anymore. 

I would also like to mention that on that same night, Citi authorized a payment by phone of {$2400.00} which I did not make, which later bounced. 

I am not able to get any real/concrete information from Citi 's fraud team surrounding their " investigation '' and all they tell me is that if they need more information, they will reach out to me. 

These transactions totaling {$19000.00} are still on my newly opened account with no end in sight.
Product: Mortgage

penny mac called today XXXX stated wll do partial claim couipled wth recovery modificaton at 3.50 % hgher that would make matters worth we have 6109 n stnd alone partial claim credits available.then XXXX stated in a good mood today will offer standalone if struggling borrower pays XXXX? this sounds very disingenious then he refused to put in wriiing and placed borrower under duress to decide.so wrong .all this runs contrary to what XXXX XXXX XXXX XXXX have stated XXXX XXXX XXXX XXXX in his letter XX/XX/XXXX their would be a partial claim, i do not trust penny mac conduct is aggregious
Product: Credit card or prepaid card

I recently opened up a Capital One secured credit card to start rebuilding my credit. Slowly, after a couple of months, my credit went up enough to get a second card, which was unsecured Capital One Quicksilver. I had payments automatically debited from my checking account each month. In XX/XX/XXXX if XX/XX/XXXX, I wondered why my payment hadnt went through and I called and they told me that my automatic withdrawal checking account had been closed and that terminated my card. Not only did they terminate that card, they also terminated my other Capital One card as well. It wasnt even associated with this issue. The main problem in all of this is that my checking account was not/ and still is not closed. It remains active and has up until now. My Bank told me that they will give me a letter stating that my account was active and no payment was ever initiated via Capital One but Capital one was uninterested in hearing this and they told me there was nothing they could do but they were cancelling my cards all together. That was what I had intended on using to pay for XXXX so it really messed me up. This is unfair as it also hurt my credit score when they closed these accounts. Please help.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 Here I attach, along with the dispute, my fraud report that I just sent to experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Debt collection

My parents were called yesterday evening. I have not lived there in over twenty years.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had done an investigation on my credit report which caused me XXXX XXXX to me due to me finding inaccurate, unverifiable, questionable, predatory and fraudulent even. 

The item on my report is the following : Account name : XXXX XXXX XXXX ( c/o : XXXX XXXX XXXX, N/A ) Account Type : COLLECTIONS Amount due : {$610.00} Date placed on my report : XXXX Your agency did not make sure it was reporting as 100 % correct. 

In ordinance with the Fair Credit Reporting Act, everything has to me 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account ( s ) are in violation not reporting 100 % accurate.
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint and request assistance regarding a debt that has been reported by LVNV Funding LLC on my credit report. I am unsure of the validity of this debt and have attempted to resolve the matter directly with the debt collector without success. 

Here are the details of the debt in question : LVNV Funding LLC Account Number : XXXX Amount reported : {$2300.00} I have previously requested validation of this debt from the debt collector on [ Insert Date ], but I have not received sufficient evidence to confirm its legitimacy. I am concerned that this debt may be inaccurately reported, and it is causing harm to my creditworthiness.

Under the Fair Debt Collection Practices Act ( FDCPA ), I request that this debt be validated. I kindly ask the CFPB to investigate this matter and assist in ensuring the debt collector complies with applicable laws. If the debt can not be validated, I request that it be removed from my credit report immediately. 

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

I was contacted by a company named ClearOne Advantage to consolidate my credit card debt. They apparently got my contact information from me browsing the internet to find help. I was able to make my monthly payments on my credit cards, but just barely. I wasn't making any headway. ClearOne Advantage sent me a text about their services. When I contacted them, they said they could get rid of my debt in approximately 5 years. Unfortunately, I agreed to do their program. I started it on XX/XX/2021. They told me to stop paying on my credit cards and student loans, take off my contact information and add their phone number to my accounts. They said they would contact them to let them know I was in the program so they would not " hassle '' me for payments. I stopped paying my monthly payments. I did continue to get collection phone calls from my creditors, and I would be upset about the collection calls. So I called ClearOne Advantage to see what was going on. They just continued to tell me not to make payments to my creditors because the program would not work if I did. After 3 months, ClearOne Advantage said they settled with one of my creditors, XXXX XXXX. A person from ClearOne Advantage, who I could barely understand called to explain the settlement. I did not trust the settlement, so I called XXXX XXXX. They said they had not settled any agreement with anyone and I still had the same balance due. Although with a lot more interest and late fees because I had a delinquent account. When I called ClearOne Advantage back, they said I owed {$4600.00} for their services! I told them XXXX XXXX stated to me they had not settled with any program, so I was not going to pay the fee. I did not trust this company, so I canceled my enrollment. 

Due to enrolling in a program with ClearOne Advantage my credit score is absolutely terrible now, I have had many accounts closed due to a low credit score and I am still in the same boat as far as credit card debt. They charge an exorbitant amount of fees and absolutely destroy your credit. They should not be in business.
Product: Credit reporting or other personal consumer reports

It has come to my attention several companies made a hard inquiries to XXXX, XXXX XXXX and XXXX without my permission or authorization and I would like the hard inquiries removed. I contacted each bureau and they said I need to file a report and get a FTC number to remove. 



There were several hard inquires made by XXXX by Capital One, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX To whom it may concern : I received a copy of my credit report and I am disputing some items that need to be DELETED. I have highlighted and number theses disputed items below. The reasons why theses items need to be disputed are statement below. 

Items # XXXX XXXX  XXXX CREDITOR XXXX XXXX  XXXX XXXX A ACCOUNT NUMBER # XXXX XXXX -XXXX XXXX  ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX XXXX XXXX ORIGINAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NUMBER # XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXXL XXXX XXXX A ACCOUNT NUMBER # XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX According to the provision of the Fair Credit Act 611 ( a ) [ 15 USC 1681j ( a ) ] selection 602 ( A ) states I have the right to privacy. Therefore I Demand the Harassment stop and I be respected until these disputed items must be reinvestigation or deleted from my credit record within 30 days. During the investigation period, theses items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activities. 15 U.S.C 1681 Section 604 ( A ) Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions. I am also requesting the Names, Addresses and Telephone Numbers of individuals you contacted during the investigation.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer by any consumerreporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. All items must be Deleted.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 U.S.C. 1681j ( a ) ( 6 ) ]. I am requesting updated copy of my credit report which can be sent to the address listed below. According to provision 612 [ 15 U.S.C. 1681j ], there should be no charged for this report. 

If you have any questions or need additional information, please contacted me at the address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Student loan

I enrolled in XXXX classes in XXXX of XXXX. I completed the course XXXX XXXX. When you are are enrolled at least half time your student loan status us supposed to be in a deferment status. When I started class my payments were not due.after months of receiving late notices I contacted the lender.They said they were n't aware I was a student, that my school was n't is n't the system.they sent the documentation that needed to be filled out and signed by my instructor. I had it all completely filled out as instructed, signed, and returned. I was denied the student deferment and my account is still in a late status. I do not see how this is at a fair. I 'm already paying triple the amount for an XXXX XXXX through this lender and ca n't afford the loan as it is. I was very young when I signed for this loan, not knowing my options. I 'm XXXX now paying for the misguided XXXX old that signed a loan thinking I would make such a great living and pay this loan off in no time! The least they can do is work with you when you are furthering your education.
Product: Credit card or prepaid card

JPMCB ... My ex business partners opened this card in my name fraudulently to get funding for XXXX XXXX XXXX. They defaulted on our agreement which makes it fraudulent. I took them to court and they defaulted on the court order! I talked to the creditor and all 3 credit agencies to remove it from my credit reports but they all said it wasn't fraud and it stayed on my reports even with evidence of my court case against them? My ex business partners ruined my credit and this was 1 of 4 credit cards that they opened in my name fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I recently reviewed my credit report and discovered the following addresses listed. These addresses are inaccurate. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains inaccuracies concerning late payments, which I recently discovered. These mistakes do not reflect my consistent payment history. Kindly correct this and update my account.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I did not give authorization for my credit to be pulled by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I am not a credit repair agency
Product: Credit reporting or other personal consumer reports

My info was used to check my credit and open accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted countless times to correct misinformation on my credit files with XXXX, XXXX  and Transunion. I have used all their apps, websites and have mailed certified mail with no response. In some situations the information is so incorrect I am unable to complete a dispute because I can not verify my identity with their programs. My name, date of birth, social security number, previous addresses, employers and derogatory accounts are all incorrect with too many errors to reiterate. They have cut me off from further disputes and NOT investigated my claims. I know there is absolutely zero evidence of many derogatory marks. It is effecting my credit ratings, interest rates and approvals. I have over 22 inquiries on one report because I can not open accounts because of this ; so I must try many companies to get minor limit, high interest accounts and I can not overcome the damage they refuse to address. I have been working for almost two years on this I have gained little ground.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DTEDXXXX XXXX {$3500.00} DTEDXXXX XXXX {$5900.00} DTEDXXXX XXXX {$4500.00} XXXX XXXX {$9000.00} XXXX XXXX {$8400.00} XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX {$650.00} XXXX  XXXX {$17000.00} XXXX XXXX {$17000.00} XXXX {$8400.00} DEPT ED XXXX XXXX {$8500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Heights Finance renewed a joint loan with me and my husband, upon approval we were told we had to consolidate a debt I had at the time with XXXX and they issued funds to us minus the amount I owed XXXX. They said they would be printing an issuing a check to XXXX  billing directly and that we didnt have to deal with anything else. The loan with heights was opened XX/XX/XXXX in the loan documents it shows amount paid directly to us and amount paid to XXXX. I have submitted disputes for XXXX  which hve been returned as denied. Heights finance has misreported the balance due to the credit bureaus and has still been reporting negatively even after we agreed to payments with a debt collector. The debt is now almost paid off totally but heights misreported the balance XX/XX/XXXX and reported as charged off showing as charged off even when payment agreements were made and started in XX/XX/XXXX. There was a lapse in employment but payments have been resumed and debt is almost fully paid off showing current balance of {$300.00} with the court docket. But my credit reports span from $ a little over {$900.00} and {$1500.00} and XXXX and XXXX will not accept new disputes with document proof since I disputed the debts previously. 

XXXX never received the check thats disclosed on loan documents and it has also negatively affected my credit reports.
Product: Credit reporting or other personal consumer reports

Inquires report as theft as well as not with my permission. Dont recognize this inquiries.
Product: Payday loan, title loan, personal loan, or advance loan

they requested my online banking and login information. sent money to my account.. then had me send it back in order to receive a loan.
Product: Mortgage

In an email I formally requested that PMI be removed and partially paid back as it should have been romoved quite some time ago. The mortgage is less than half the original home value and I've never refinanced. Suntrust became Truist and I've had many issues as they keep recalculating my payment and re-evaluating the escrow every few months. Not only have they denied my PMI removal request once again I am told that the newest escrow calculation show a XXXX $ shortage for the year and somehow that calculates to over XXXX $ increase in the monthly payment. The math isn't mathing.
Product: Credit reporting or other personal consumer reports

The following inquiries were not authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no knowledge of these inquiries. Someone has stolen my identity Accounts Affected by the Crime Fraudulent Auto Loan or Lease Company or Organization : There are multiple inquiries on my credit report XX/XX/XXXX XX/XX/XXXX {$0.00} Date fraud began : Date that I discovered it : Total fraudulent amount : Fraudulent Information on Credit Reports Credit Inquiries XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX