23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

SEE ATTACHMENT. I AM A VICTIM OF IDENTITY THEFT. LITTON LOAN SERVICING, LP IS CURRENTLY REGISTERED AS ACTIVE WITH THE CALIFORNIA XXXX OF STATE/FILE NUMBER XXXX. LITTON LOAN RECEIVED VIA A TRANSFER OF A XXXX XXXX XXXX XXXX XXXX ACCOUNT IN WHICH I DID NOT AGREE TO NOR DID I RECEIVE THE BENEFIT OF THE XXXX ACCOUNT THAT WAS CREATED IN MY NAME AND LIKENESS. REQUIRE LITTON LOAN SERVICING, LP TO PRODUCE THE LOAN APPLICATION/DOCUMENTS/FILE AS IT RELATES TO THE LOAN NUMBER ( SEE ATTACHMENT ) THAT REFLECTS THE INTEREST RATE AT XXXX AND DOCUMENTS OF A CONVENTIONAL LOAN. PROVIDE THE CONVENTIONAL LOAN # AND APPLICATION ; PROVIDE PROOF OF LOAN PAY OFF AND REVEAL THE LENDER IT PAID OFF INVOLVING PURPORTED XXXX BANK, XXXX LOAN IN XX/XX/XXXX. SUBMIT AN ACCOUNTING AS LITTON HAS RECEIVED MONTHLY PAYMENTS OF {$1900.00} AND PLUS. SEND RESPONSE VIA UNITED STATES POSTAL XXXX XXXX XXXX
Product: Credit card

My former fiance is using my address to establish residence using a Rooms To Go Credit card. I have legal documentation stating that this individual has no legal right to my property. I have asked 3 times to have my address removed from an account that does not belong to me. His legal address is on the court documents contained in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

WE ARE VICTIMS OF ID THEFT AND FRAUD. WIFE FILED FOR XXXX IN ORDER FO THE XXXX COURT TO INVESTIGATE THE FRAUD. XXXX REFUSED TO INVESTIGATE THE FRAUD, THE CLOSING ATTORNEY WHO STAGED A FRAUD CLOSING IS IN FEDERAL PRISON DUE TO DEFRAUDING CLIENTS AND MORE. 

IT STARTED WITH XXXX XXXX XXXX XXXX WHO CHANGED THEIR NAME TO XXXX AND NOW XXXX. NEVER RECEIVED A LOAN FROM XX/XX/XXXX. WE RECEIVED DOCUMENTS FROM THE ATTORNEY AS IF WE DID. WE BEGAN PAYING XXXX XXXX XXXX XXXX  IN XX/XX/XXXX. 

WE WERE NOTIFIED OF THE ID THEFT AND ID FRAUD FROM A FEDERAL AGENCY., THE TRUSTEE ASSIGNED TO MY WIFE ABANDONED ALL OF THE RESIDENTIAL AND COMMERCIAL PROPERTY BECAUSE HE AND THE JUDGE BOTH WERE AWARE OF THE FRAUD ON EACH PROPERTY TAKEN OUR BY OTHERS. 

THE TRUSTEE BASICALLY STOLED EVERYTHING. RATIONALE WAS HE WAS LIQUIDATING TO COVER OUTSTANDING DEBTS. WE DID NOT WVEN HAVE OUTSTANDING DEBTS AS HE DOCUMENTED. 

XXXX IS STATING ON THE CREDIT BUREAU WE ARE PAST DUE 180 DAYS, THIS IS NOT TRUE. 


REQUESTTING ALL PAYMENT HISTORY AND DOCUMENTS FROM XXXX FOR REFERNCED ADDRESS XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THE CLOSING ATTORNEY AND SELLERS WHO HAVE BEEN REPORTED TO THE FEDERAL AUTHORITIES TOOK OUT 3 TO 4 LOANS ON THE SAME DAY FROM XXXX XXXX XXXX XXXX  IN XX/XX/XXXX, ATTACHING THE NUMEROUS 1098 '' S. THE AMOUNT OF THE HOME IS EVEN INCORRECT. THE COST IF THE HOME WAS XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection violates the law Under the FDCPA law 15 USC1692 - debt collectors can not state that such consumer owes debt Also violates 15 USC 1692 ( E ) 11 by giving false, deceptive misleading representation or means in connection with collecting any debt. The report states I " owed '' a positive balance. So after assuming a debt they also sent me a wrong statement you can not pay off a positive balance and it was never disclosed to me it was a attempt to collect a debt.

also violates 15 USC1692 ( e ) 11 Name -The Bureaus amount : {$1500.00} date : XX/XX/XXXX 2.XXXX  Amount : {$600.00} date : XX/XX/XXXX 3.XXXX XXXX XXXX  amount : {$220.00} date : XX/XX/XXXX 4XXXX XXXX XXXX amount : {$200.00} date : XX/XX/XXXX 5.XXXX XXXX  amount :XX/XX/XXXX& {$100.00} date : XX/XX/XXXX & XX/XX/XXXX6.XXXX XXXX  every account
Product: Mortgage

My recent loan application with Better.com was denied after being pre-qualified and two weeks of processing. 

I was pre-approved on XX/XX/XXXX by mortgage lender Better.com. I went into contract on the purchase of a home on XX/XX/XXXX. My application was denied on the XX/XX/XXXX. 

Better stated they were denying my application due to a singular 30-day late payment on my credit report. I appealed their decision and provided proof the 30-day late payment was an oversight and not indicative of a trend. My credit score is ~XXXX. 

I'm complaining because 1 ) Better should never have pre-qualified me in the first place for a jumbo mortgage because they knew full well what was on my credit report as early as XXXX XXXX. 2 ) During the rate lock process Better went so far as to compete for my business by removing all points and origination fees after I told them I was going to proceed with another lender. Better wasted my time and put my purchase transaction at risk. The process is already stressful enough and they acted carelessly. 3 ) I don't believe they evaluated my application fairly. I suspect they denied my application for profitability reasons as they are pre-IPO. They used a minor infraction on my credit report as an excuse to deny a loan they weren't going to make any money on. 

Note : even after explaining the late 30 day payment was only a 34 day late payment of {$9.00}. I was able to demonstrate to Better that I have continually paid my credit card off in full. They were not satisfied with this explanation. They claimed they were following investor guidelines.
Product: Debt collection

On XX/XX/2019 I received a call from one of XXXX XXXX/ RD ACs associates ( XXXX XXXX ) before XXXX ( the Fair Debt Collection Practices Act specifically states that debt collectors can only call between XXXX and XXXX ). She left a message stating that this was an attempt to collect a debt by a debt collector. Later that day, I made 3 attempts to call XXXX XXXX/ RD AC back, but each call went to voice mail. I left messages disputing the debt they claim I owed, and asking for them to give me an address that I could forward my documentation to. I never was given this information. On XX/XX/2019 I made another attempt to return XXXX XXXX/ RD ACs call and Ms. XXXX answered. Before any information about a debt XXXX XXXX  or RD AC claims I owed was divulged, Ms. XXXX asked me to verify my date of birth, address, and the last 4 digits of my social security number. Since I have never met Ms. XXXX, and the sensitive personal information that she was requesting I verify can be used by anyone to steal someones identity, I immediately felt uncomfortable. I explained to Ms. XXXX that I was uncomfortable with divulging my sensitive personal information to any entity or individual that I did not know. Ms. XXXX then intentionally attempted to mislead me by stating that by federal law, she could not discuss any information with me before verifying my sensitive personal information ( no such law exists ). She then hung up the phone. I called back and Ms. XXXX answered. I asked her to forward any information that she had to the mailing address on file and then we could proceed. She reiterated that she could not proceed in any way unless I verify my sensitive personal information first. I refused to do so and ended the call. Due to XXXX XXXX/RD ACs negligence to provide me with a forwarding address, I had to find one for them : XXXX XXXX XXXX XXXX, Tennessee XXXX. I mailed XXXX XXXX/RD AC a debt validation request on XX/XX/2019. Within five days of its first communication, a debt collector is required to send a written debt validation notice. Today is XX/XX/2019, over 3 weeks since XXXX XXXX/ RD ACs initial contact and I am yet to receive any form of debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and they are adversely affecting my livelihood. 


Inquires : XXXX XXXX XXXX : XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, and XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I am writing to dispute certain items on my credit report that I believe have been reported unlawfully and XXXX be in violation of federal law, specifically XXXX XXXX XXXX. 
Upon reviewing my credit report, I have identified the collection. These items appear to be associated with attempts to collect or punish me for non-repayment of credit in a manner that XXXX be considered extortionate. 

Under XXXX XXXX XXXX, it is unlawful for any entity to knowingly participate in the use of extortionate means to collect or attempt to collect any extension of credit, or to punish any person for the nonrepayment thereof. I believe that the reporting of these items on my credit report XXXX constitute a violation of this law.
Product: Debt collection

The company account resolution services failed to validate the debt I asked for validation not verification
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention that the XXXX account opened on XX/XX/2021, which reflects {$1600.00}, is fraudulent and negatively impacting my credit report. Despite my previous attempts to dispute and resolve this matter by calling, no action has been taken. Upon discovering the fraudulent activity, I took immediate steps and reported my stolen identity, placing a fraud alert on my account on XX/XX/2021. 

The negative reporting of this account is causing significant hindrance for me and my child in securing an apartment, and we are now facing the possibility of homelessness. Adding to my distress, I am currently XXXX XXXX XXXX. In light of the circumstances, I urgently request that this negative account be removed from my credit report without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian via mail in regards to some errors of unverified information on my credit report and I asked them to verify the accounts because by law they are not suppose to report things they can't verify. I have tried to get this information from them for months now and they keep sending me back papers documenting " accounts remains '' without any type of proof or explanation. I have been a victim of identity theft and the other credit bureaus have removed these accounts but Experian continues to report incorrect information. They are even reporting duplicate accounts just to get money Experian is committing fraud acts and its ruining my life.The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( duplicate account against the law ) XXXX  XXXX XXXX XXXX  XXXX XXXX ( duplicate account against the law XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to a XX/XX/year> visit to XXXX XXXX, an auto sealership, seeking financing for a vehicle. I completed an application for the vehicle with the understanding my credit file was to be pulled XXXX time for review, only to find out my personal information was shared with XXXX other financial institutions without my permissible authorization, that has equated to XXXX different inquiries reflected on my credit. My personal information was forwarded to the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX ( Case XXXX ) My file keeps showing over time FCRA violations : Late XXXXayments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) Prince & Parker Associates ( {$1600.00} ) has unlawfully and illegally reporting derogatory information on my credit report without proper authorization, nor have I provided them with any other form of identification that would permit them to legally report this information. Prince & Parker Associates ( {$1600.00} ), accessed my credit report without my authorization and without any legitimate or permissible purpose. At no point did I initiate or consent to any financial relationship with Prince & Parker Associates. Despite being provided with sufficient evidence, Prince & Parker Associates failed to remove the fraudulent account from my credit file as required under FCRA. This unlawful access to my credit report, coupled with Prince & Parker Associates failure to take corrective action, has caused significant harm to my financial standing, character, and ability to obtain credit. The derogatory marks stemming from this identity theft have severely impacted my credit score, creating unnecessary hardship.

I am seeking the CFPB 's intervention to investigate Prince & Parker Associates for impermissible access to my credit report in violation of FCRA ; ensure that Prince & Parker Associates immediately remove the fraudulent mark from my credit report and hold Prince & Parker Associates accountable for failing to act in accordance with FCRA. I trust the CFPB will take swift and decisive action to rectify this matter. If Prince & Parker Associates fails to comply with my request to resolve this issue, I will have no choice but to explore additional legal options to protect my rights and financial well-being.
Product: Checking or savings account

My HSBC USA account does not allow me to do bank to bank transfer online. I called HSBC custom support multiple times but still not be able resolve the issue.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent account # has violated my rights 15 USC 1681 section 602 States I have the right to privacy.

I dispute the following Hard Inquiry in my credit report under the Fair credit reporting Act ( FCRA ) section 611 ( 18 U.S.C.1028i ), unverified inquiries must be Remove.Please investigate and Remove any unverifiable inquiry. 
XXXX XXXX ; Inquiry date XX/XX/XXXXXXXX XXXX XXXX ( MISCELLANEOUS ) INQUIRY date XX/XX/XXXX XXXX ( Finance ) Inquiry date XX/XX/XXXXXXXX XXXX XXXX ( Bank ) Inquiry Date XX/XX/XXXX XXXX XXXX ( Miscellaneous ) Inquiry Date XX/XX/XXXX XXXX ( Miscellaneous ) Inquiry Date XX/XX/XXXX XXXX ( Bank ) Inquiry Date XX/XX/XXXX XXXX XXXX  XXXX ( bank ) Inquiry Date XX/XX/XXXXXXXX XXXX XXXX ( Bank ) Inquiry Date XX/XX/XXXXXXXX XXXX XXXX ( Miscellaneous ) Inquiry Date XX/XX/XXXX XXXX ( Finance ) Inquiry Date XX/XX/XXXXXXXX XXXX XXXX ( Bank ) Inquiry Date XX/XX/XXXX XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX. XXXX  XXXX XXXX  XXXX, XXXX XXXX Last 4 of SSN : XXXX RE : Account Number XXXX To whom it may concern, I am contacting you because I have found some information that is in-accurate on my credit report. You are reporting a late payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on the account XXXX XXXX  Account Number XXXX This is not true, I was not late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I request that you verify the information and update the payment history on this account as PAID, NEVER LATE with all 3 credit bureau. I was on the Coronavirus-Related Mortgage Assistance Plan and I have been making my payments on time.

After doing so please provide me with an updated credit report reflecting the changes.

Best Regards, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/26, I received 5 letter 's from JP Morgan Chase, NA, advising that they were going to close 7 of my accounts. When I asked why, I was told that they didn't have to give an explanation because of a clause in the account application that allows the bank to do that. A search for reasons and similar situations on the internet and through personal contacts revealed various reasons for an account closure, but other than the facts of account inactivity, one turned out to be a XXXX XXXX XXXX credit card that had never been used, and 2 that are just old accounts that contain funds, but had no recent transactions. Of the remaining 4 accounts, ( 2 checking / 2 savings ) all are active. There are no red flags that I can see. There haven't been any strange or sudden deposits, withdrawals, or over drafts. Two of the accounts are over XXXX XXXX XXXX, while the other 2 are only about XXXX years. I think that it's important that I be given a reason why they took this action. Without an explanation I'm unable to tell if they are working with accurate information. And without knowing if inaccurate information is being circulated how can I go about getting it corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it again. there are accounts that need validation in order to be verified. 
My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I've always made timely payments on this account, ensuring they are never overdue. However, I'm unsure about the reasons behind reports of late payment remarks on my accounts. Based on 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried to get a job and they ran a back ground check and it had incorrect information as far as criminal charges.
Product: Credit card

I had applied for a capital one credit card in XX/XX/year> and They ran my credit and I was approved with a XXXX XXXX dollar credit limit. Upon using this credit card I never went over my balanced and I always paid my on my card never being late always on time, and in XXXX the last payment that made, I had paid the entire balance, and without any notice of why they just closed my account, and when I asked why, their answer to me, was they have the right. I did not understand this at all, because than they told me I was approved for a secured credit card, but that made no sense to me what so ever especially when I already had been approved for a credit card with a XXXX XXXX dollar limit.
Product: Mortgage

Today, I spent a great deal of time trying to investigate HELOCS for the purpose of funding home improvement projects and paying off some high interest debt. 

After an online search, I was connected with XXXX XXXX, a broker with Amerisave. 

From the get go, I indicated that I wanted a HELOC as I already had a 3.5 % fixed mortgage rate that they would not be able to compete with. 

XXXX XXXX XXXX then pulled my credit and put together a full refinance package at 6.5 % and wasted a lot of my time. He told me the credit score he pulled was much lower than the one I had pulled TODAY and that the only way he could get me the money was to do a full refinance. He didn't bother to disclose this before I was discovered the loan disclosure documentation. He talked " around '' pointed questions that I asked about interest rate and loan specs. I then learned that the company was fined millions by you in XXXX for bait and switch tactics. I believe that the bait and switch is exactly what was attempted today by XXXX XXXX XXXX I believe he knew exactly what he was doing as evidenced by the benefits to him notated in the fees and commissions columns of the proposed loan documentation. 

XXXX XXXX XXXX deflected questions I had about interest rates and loan terms being offered by the company and pushed to pull my credit citiing that he wouldn't know what they could do until he could pull credit. I understand not being able to give exact numbers but other reputable companies will offer hypotheticals to client 's in good faith before proceeding with credit pulls. I felt very scammed by the whole process today and in hind sight feel that this is likely just the company//broker 's aggressive tactics to deceive. Most of today 's communication with XXXX XXXX XXXX  occurred via text message although he implored me to call him suggesting that it would be easier and faster for me? Perhaps, he did not want such underhanded tactics to be documented?
Product: Debt collection

This debt was turned over a couple years ago to a debt collection agency. I agreed that I owed a portion of the debt, but disputed the remainder of the debt. The portion that I owed, I paid to that collection agency. I filed a formal dispute on the remainder of the debt, and within 30 days I was contacted saying they were closing their file. 

Approximately 7 months ago, I was contacted by another debt collection agency for the same debt. I disputed the debt with them, explained the previous situation, and they encouraged me to contact XXXX directly to resolve the issue. I contacted XXXX directly and they refused to do anything to clear the debt. At both times I was contacted, the alleged debt included an equipment cost for equipment that they alleged we didn't return. When I contacted XXXX, they acknowledged that we had returned all equipment. 

On XX/XX/2018, I received a letter from XXXX XXXX XXXX XXXX, another debt collection agency for this same alleged debt. This letter also mentions an equipment cost, I'm assuming for the equipment that XXXX already acknowledged that I returned. I am disputing this debt with XXXX XXXX directly, but this continuous contact for a debt I've already disputed twice is, in my opinion, beginning to border on harassment. I have taken all the necessary steps I needed to take to resolve this issue, and XXXX seems to just transfer the debt to another agency to try to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

im an identity theft victim. 
accounts that are not mine XXXX XXXX XXXX XX/XX/XXXX chapter XXXX bankruptcy XXXX XXXX XXXX XX/XX/XXXX inquiry XXXX XXXX XX/XX/XXXX not mine XXXX XXXX XX/XX/XXXX not mine XXXX XX/XX/XXXX not mine XXXX XXXX XXXX XXXXXX/XX/XXXX not mine XXXX XXXX XX/XX/XXXX not mine XXXX XX/XX/XXXX not mine XXXX XX/XX/XXXX not mine all these accounts are due to fraud
Product: Student loan

I recently accessed my credit report, I am panicking. My XXXXedit score has dipped drastically. I checked my credit report and it shows my student loans listed twice! One for AidVantage and one for XXXX. I was told my loan was transferred but it is showing up for both. 
How can I fix this? I can not even get approved for a car loan now. 
Please help
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute inaccurate credit reporting related to my XXXX XXXX XXXX account, Account Number XXXX. The account was last updated by TransUnion on XX/XX/year> and by XXXX on XX/XX/year>. 

I have taken the following actions to resolve this matter directly with the credit reporting agencies and the creditor : I have sent multiple requests for debt validation and account verification, but no sufficient documentation has been provided by XXXX XXXX to confirm the accuracy of the reporting. 
I have disputed this information with TransUnion and XXXX, but the inaccurate information remains on my credit report. 

The balance and status of this account are being reported inconsistently by both TransUnion and XXXX, despite my efforts to correct this information. 
The reporting addresses for the credit bureaus involved are as follows : TransUnion : XXXX XXXX XXXX, XXXX, GA XXXX XXXX : XXXX XXXX XXXX, ( Credit File ), XXXX XXXX, TN XXXX This inaccurate reporting is negatively impacting my credit score, and I am requesting the CFPBs assistance in resolving this issue and ensuring that XXXX XXXX and the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ). I am requesting that this account be removed from my credit file due to the failure of the companies involved to provide accurate and verifiable information. 

Thank you for your attention to this matter.