23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX, AND XXXX are inaccurately reporting the account ( XXXX XXXX XXXX XXXX ) as a debt when it is income. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate and it must be removed! 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 
Not only is this account reported as a charge off ( income ). In the Comment section of the XXXX consumer report, this account is listed as " medical '', ONLY on this XXXX consumer report and not the other two. The reported income is not related to anything Medical and therefore is inaccurate. 
XXXX XXXX XXXX account MUST be removed from my consumer report! 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, & Experian are not maintaining reasonable procedures. 
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, Experian, & XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 

I have attached a screenshot from Publication 4681 ( XXXX  ) from the IRS, as well as, the associated XXXX XXXX XXXX account that is inaccurately reported on my consumer reports
Product: Credit reporting or other personal consumer reports

Ive reviewed my credit report and have noticed that my credit report is not reporting 100 % accurately. Pursuant to XXXX XXXX XXXX ( b ), accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the info concerning the individual about whom the report relates. There are a few items that are reporting inaccurately on my credit report and need to be deleted since they are violating XXXX XXXX XXXX ( b ) by keeping my credit report from reporting 100 % accurately. According to XXXX XXXX XXXX ( A ) ( XXXX ), " If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 
XXXX XXXX XXXX Balance : {$910.00} Inquiries Included in Dispute SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Bayview Servicing LLC holds my XXXX mortgage ( ex-XXXX loan ) I am currently in chapter XXXX Bankruptcy, because I became behind on payments. My XXXX mortgage XXXX Bank sent me a letter stating the total amount was foregiven ( $ XXXX ) via the XXXX XXXX settlement, But Bayview is refusing to apply my XXXX primary loan ( $ XXXX ) to that DOJ settlement. As I read the settlement my XXXX mortgage should be included as it was a XXXX XXXX XXXX originated, And I still live in the House. my previous XXXX XXXX XXXX loan number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to the credit bureaus via mail time and time again requesting this false information be removed from my credit report as they are not able to be validated under the appropriate guidelines. I sent a certified letter on XX/XX/2019 requesting validation of the debt directly from Hunter Warfield to be provided and 30 days to respond to the validation request. I Received a letter from Hunter Warfield dated XX/XX/2019, where they acknowledged the receipt of my dispute a request for verification. They advised that they had not duty to comply with verification demands. I never requested verification, I requested validation including original signed contracts proving my contractual obligation to Hunter Warfield and/or a complete statement of account as required by law to be considered full and completed validation.
Product: Debt collection

On XX/XX/XXXX, I received an alert on my credit report of a collection from Midwest Recovery Systems and an alert of an additional address that is out of state ( also added by this collection agency ). The collection was opened 2 months ago and the original creditor is said to be XXXX XXXX XXXX with the amount owed being {$610.00}. I immediately called Midwest Recovery Systems and in speaking with an associate, I was told that the account with XXXX XXXX XXXX was opened XX/XX/XXXX with a payment being made to/from some bank account that I had never owned. There are several things wrong with this situation : First, Midwest reports a collection to my account for a payday loan without any prior notification. Second, an address that I have never lived at ( in another state ) is being reported to XXXX  by this company. Third, payday loans are illegal in the state of Georgia and I have never resided anywhere else! Fourth, the I have never banked at the institution named by the associate I spoke with on the phone. Since I am currently involved bankruptcy and have had identity theft issues in the past, I was told my only recourse would be to file a police report ( for fraud/identity theft ) and then fax it to them ( XXXX  ) so that they could investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # has violated my rights 15 U.S.C 1681 section 602A. states i have a right to privacy.

15 U.S.C 1681 section 604A section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a formal report against HSBC Bank because HSBC Bank has performed a wrongful derogatory remark against my credit reporting file without ever giving me a billing statement. There is a long and quite intensive correspondence to go along with this. 

In the month of XX/XX/XXXX HSBC promised to remove this derogatory mark from my credit report. After having gone through our entire case in extensive detail they said that there was a submission to both XXXX and all the other credit reporting bureaus to remove this derogatory mark. HSBC stated that this would only take 30 days to occur. Now it is two months later, and the derogatory mark was never removed from my credit report. HSBC has agreed to remove this as they have also removed the late payment fees from my credit reporting balance. I am submitting this complaint to request that HSBC take the most speedy actions to remove this derogatory mark. As it has been over two months in request, I can no longer wait forever for no performance to push for this action to be taken in my favor.

If HSBC does not take action to remove this within the next 15 days or follow up with me within the next 15 days, I will be suing the company with a court summons. I was told and informed that yet again they will want to take up another 30 days to extend and prolong the process for an investigation. This is unacceptable and illegal. This lack of action that HSBC has not taken to perform on their promise has left me in both economic stagflation as well as stopped me from being approved for other economic benefits that would work for companies that I am in the ownership of. 

This is ridiculous and malignant. {$17.00} to keep an account open should never have cost me so much in economic grief. This one-act cost me XXXX points on my credit reports. There will be dramatic legal action taken if this is not fixed.
Product: Student loan

Mohela and Federal Student Aid are deceptive and are significantly impacting my ability to plan for my future financially.
Product: Mortgage

Ocwen Loan Servicing, its crooked lawyer XXXX XXXX intentionally failed to respond to my request for loss mitigation options to avoid fraudulent trustee sale. XXXX XXXX assisted troubled Ocwen with financial white collar crimes so that troubled pretender lender loan servicer could embezzle my property temporarily increasing its revenue. Since XXXX XXXX avoided my request for loss mitigation options and assisted troubled fraudulent Ocwen with white collar financial crimes slandering my title all over again recording another fraudulent notice of trustee sale I am left with no choice other then to litigate my matter in chapter XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

REFUSED TO COMPLY WITH FCRA 609 and 611 I have received letters from XXXX, TransUnion and XXXX stating indirectly that they will not give the information that I requested under FCRA 609 and 611 TransUnion has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests where received on XX/XX/2021, and XX/XX/2021. 

In addition, XXXX has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests were received on XX/XX/2021, and XX/XX/2021. 

Lastly, XXXX has received multiple requests for Method of Verification under FCRA 611 ( a ) ( 7 ) and has not complied. Refuses to supply any documentation about their investigations and how they verified the information. Making all their reporting legally unverified information. These requests were received on XX/XX/2021, XX/XX/2021, and XX/XX/2021, and XX/XX/2021 XXXX
Product: Mortgage

This is a continual problem with mail fraud and false claims of receipt and/or sending of mail and notices. In the past I have been abused by this bank claiming they mailed me a notice which we never received so they could falsely bill my account for late charges! - This time not posting promptly my payment to avoid crediting. 

I mailed a check # XXXX to US Bank on XX/XX/2020 in the amount of {$630.00}. As of today, XX/XX/2020 I have yet to be credited of this payment to my principal. There has been a ongoing pattern of deceit and communication fraud. 
They have done this repeatedly to me on previous occasions by claiming they notified me about changes that were never received. 
Now, on the other hand, 10 days later my check has not been credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked XXXX XXXX and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

Received a promotion for 50 % off annual Google XXXX XXXX subscription XXXX $ years from XXXX $ annual subscription. Bought new security camera - XXXX  battery order XXXX. Clicked email with promotion from XX/XX/XXXX. XX/XX/XXXX it billed me full price. No support agents wish to take responsibility for their promotion nor have any details or information regarding it. I am submitting all in hopes of transparency and forcing of Google not to treat customers as disposable and not to honor offers sent by them in timely fashion afforded to consumer. Please protect consumer by legitimizing all the evidence submitted against XXXX XXXX Google
Product: Credit card or prepaid card

I was charged an annual fee on XX/XX/XXXX closing statement. According to credit card agreement I should have received a statement in XXXX with a massage ANNUAL FEE. To avoid paying it states PAYOFF BALANCE I didn't have a balance, And to send a written notice of termination with in 30 day. Once the FEE is charged it will not be refunded. So they will not remove it since XXXX they add late fees, plus returned payment fees because I did not authorize them with my bank. LAST STATEMENT I RECEIVED them them was in XX/XX/2021 ( That is when I paid off the balance, that statement didn't a massage ANNUAL FEE ). I should have received a statement 30 days prior to ANNUAL FEE being charged witch I didn't. I was never given a chance to terminate the account pre credit card agreement. Once this issue is addressed I need my credit reports adjusted accordingly removing all late payments witch they reported
Product: Credit reporting

XXXX major credit cards were accessed over the past year, XXXX were checking accounts, XXXX did not notify me and I do not routinely check activity as I have a specific purpose for that XXXX card. My checking account needed to change along with several bill payment methods. Theft of my identity was being used over XXXX miles away.
Product: Debt collection

I have verbally stated over the phone on our and their recorded lines not to call me at work and only call the cell number. They still call at work and my boss is n't happy. They call my cell multiple times a day. I work a full time and support my husband who is on XXXX XXXX times a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022 & XXXX Date of Inquiry XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX DEPT OF EDUCATION/XXXX  XXXX Balance : {$10000.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$9300.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$1100.00} DEPT OF EDUCATION/XXXX  XXXX Balance : {$3000.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$1900.00} XXXX XXXX Original creditor : XXXX XXXX  XXXX Balance : {$930.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Mortgage

On XX/XX/XXXX a tree fell on our house. The insurance company put the house as a lost and sent the check to Ocwen Loan Servicing on XX/XX/XXXX. Ocwen sent us froms to fill out and we did that and waited for them to start sending us the money to start fixing our house. But then they wanted something else to fill out. this went on until I called and told them I was going to send in a complaint to CFPB thats when they sent me my first check. And after 50 % of the wok was done they sent me the second XXXX. Now it has been over XXXX months that XXXX % work has been done and they are giving me the run around again telling me they need more paperwork that has already been send to them.On XX/XX/XXXX I was told that my last check was bring sent out with in the next XXXX to XXXX days. Today is XX/XX/XXXX I just got off the phone and now they are saying it 's still under review. It has been a year and XXXX months we have been waiting to get own home fixed. Just need to know what we need to do now.
Product: Money transfer, virtual currency, or money service

Celsius Network LLC paused all customer funds withdrawn on XX/XX/XXXX. The company stated multiple times they should never do that and even did this before filing for bankruptcy before XX/XX/XXXX, so customer funds would be forced to be stuck in bankruptcy holding. This is a blatant false advertisement, and they would not even allow custody accounts to withdraw funds even though the money is not earning any yield. I have approximately XXXX XXXX stuck in custody, and I have a loan with Celsius for XXXX XXXX that I can not pay and withdraw funds from. My collateral is attached, yet they ask publicly via email to wire them more money without any promise to give collateral back on XX/XX/XXXX. This seems like an extortion of funds, and they are praying in fear for their customer to send them more funds. You can not even use your custody account to pay for your loan. If I have to give a failed company more money to pay off a loan, we may never access the funds ever again. This is a failure of legitimate business practices. There is a lot of fraud and abuse of customer funds that Celsius Networks owes its honest clients. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX PM Dear XXXX XXXX This is to confirm that we have received an interest payment on your loan. 


Payment Date : XX/XX/XXXX XXXX PM Interest Amount Paid : XXXX XXXX XXXX XXXX XXXX in USD : {$11.00} Discount : {$0.00} Currency : XXXX Loan Number : XXXX Loan Amount : XXXX XXXX XXXX : 1.00 % Total Interest Outstanding : {$100.00} Next Interest Payment : {$11.00} Origination Date : XX/XX/XXXX XXXX AM Maturity Date : XX/XX/XXXX XXXX AM Current Collateral Balance : XXXX XXXX XXXX XX/XX/XXXX XXXX Transfer XXXX XXXX XXXX Yes XXXX XX/XX/XXXX XXXX Transfer XXXX XXXX XXXX Yes
Product: Checking or savings account

Stop sending me tons of paperwork to my mom address I dont bank with yall and never will. I wont fill out identity theft that means I have to go to the police and I dont want to deal with the police I got too much stress going on Stop sending me mail all my accounts are paid off in full you send me total of XXXX paperwork in total!!!! 


Stop it
Product: Debt collection

Multiple calls daily every day for at least the past XXXX weeks.
Product: Mortgage

I was in the process of refinancing my mortgage in the month of XXXX, the company that I was refinancing with requested a payoff from XXXX XXXX XXXX. On XX/XX/XXXX Lakeview initiated a tax payment out of escrow for me. They provided a payoff on the XXXX of XXXX and we calculated this payoff for the closing including per diem. I dont know why they would send us a payoff with figures that werent accurate after they initiated a tax payment. With that payoff, we wired out what the amount would be with coverage for per diem. They rejected that two times from us saying the amount was short even though it was exactly what was requested on the payoff statement. 

Now i'm being reported delinquent for the month of XXXX even though I tried multiple times to payoff my loan with the exact instructions provided by XXXX XXXX XXXX. I shouldn't be reported delinquent.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of several charged-off accounts from my credit report per the provisions outlined in the Fair Credit Reporting Act ( FCRA ). The inclusion of these accounts on my credit report not only inaccurately reflects my financial standing but also constitutes a defamation of my character. 

Under the FCRA, it is mandated that accurate and fair reporting of consumer credit information is maintained by credit reporting agencies. However, the charged-off accounts listed below fail to meet these standards and require urgent attention : Account Name : XXXX XXXX  Account Number : [ Account Number ] Recent Balance : {$1000.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 

Account Name : XXXX  XXXX Account Number : [ Account Number ] Recent Balance : {$3700.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX  Account Number : [ Account Number ] Recent Balance : {$750.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$750.00} written off. {$460.00} past due as of XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Number : [ Account Number ] Recent Balance : {$4600.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$4600.00} written off. {$4600.00} past due as of XX/XX/XXXX. 

Furthermore, I assert that I have never received a 1099-C Form about any of the debts. These companies have utilized the alleged debts as tax write-offs without my knowledge or consent, further exacerbating the inaccuracies on my credit report. 

As per FCRA regulations, charged-off accounts should reflect a {$0.00} balance and be removed from my credit report accordingly. I demand that immediate action be taken to rectify this situation and restore the accuracy of my credit report. 

Failure to comply with this request within the mandated timeframe will result in further legal action being pursued to enforce my rights under the FCRA. I trust that you will handle this matter with the urgency and attention it requires. 

Thank you for your prompt attention to this matter.