23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

debt was discharged when home was foreclosed on over 8 years ago
Product: Payday loan, title loan, personal loan, or advance loan

I am in the middle of a XXXX, my financial situation is difficult at best. I took the loan out to help temporarily, and they are charging me like XXXX XXXX  interest. 

More importantly, I was running a bit late, and so I got on the phone with them to discuss my options. They told me they would push my XXXX payment to XXXX first, and my XXXX payment would be due XX/XX/XXXX. They wouldn't do anything with XXXX and XXXX 's payment, meaning I would then have to double up in XXXX and XXXX. I thought everything was fine. Then they reported me as 30 days past due, even though they voluntarily pushed the due dates for both payments. They misreported my payment history on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX  XXXX XXXX  XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting or other personal consumer reports

After submitting the prior notice to the CFPB, XXXX followed Federal guidelines and removed the debt from my credit report, acknowledging my statement that the account does not meet FCRA guidelines. Equifax however, the named company for this complaint, decided Federal guidelines are beneath them, and so are the requirements set in the FCRA. Equifax believes, based on their actions, that being paid to report a debt is more important than their Legal obligation to follow Federal law. i.e. a debt is not valid just because someone states that it is : evidence Equifax stated they used was a one line communication. 

The complaint again is as follows. 
1.l am writing in reference to the lien release document dated XX/XX/XXXX, concerning loan number XXXX. 2.This document states that my loan of {$10000.00}, originated on XX/XX/XXXX, was paid in full on XX/XX/XXXX. 3. 
The lien release is notarized by XXXX XXXX, adding legal verification to its contents. 4.l am concerned that my credit report does not accurately reflect the information contained in this official document. 5.I request that XXXX XXXX XXXX XXXX review their records and ensure that my credit report accurately shows this loan as paid in full as of XX/XX/XXXX. 6. XXXX XXXX XXXX has posted a personal loan to my credit for a duration of over 4 years erroneously, it is demanded this is removed. 7. Please provide written confirmation once you have completed all necessary corrections to ensure accuracy in credit reporting. 7. The lien release is a legal binding document, XXXX XXXX XXXX XXXX is in violation of the protections afforded under the FCRA Please remember XXXX, following Federal requirements for credit reporting, found that the debt DOES NOT meet validation requirements. As no documentation vs my own supplied proves a secured personal loan was ever opened or exists lawfully to be reported. Federal law is not a suggestion.
Product: Checking or savings account

Numerous errors, been keeping track and stopped using banking online. Statements always miss the end of the month or first of month date. It always tells me what my current balance is currently that week of 3- 5days. Cashing checks provided by employer which is XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has been furnishing reports and making claims furnishing and sharing information about me without my written consent, permission or authority. These acts are depriving me of my God given right to life, privacy, right to be left alone and my right to the pursuit of happiness.
Product: Credit reporting or other personal consumer reports

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on deaf ears. It is important for you to understand that by law, you are required to take immediate action upon receipt of such requests. Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ), they may be liable for false reporting. By law these should be deleted because I have proof that they were also deleted from the other credit bureaus.
Product: Credit reporting or other personal consumer reports

cfpb, XXXX, XXXX, and Experian are not to share and must remove XXXX Account no . XXXX, soft and hard inquiries, any information of debt, any student loan information, and previous address information pertaining to XXXX XXXX XXXX " ... privileged and confidential ... '' information pursuance to 5 U.S. Code 552 - ( a ) agency shall make available to the public information as follows : ( b ) This section does not apply to matters that are ( 4 ) commercial or information obtained from a person and privileged or confidential ". It is a crime to violate 5 U.S. 552 ( b ) ( 4 ). It is required that the aforementioned credit bureaus remove the aforementioned information 5 U.S. 552 require, as follows : " Any reasonably segregable portion of a record shall be provided to any person requesting such record after deletion of the portions which are exempt under this subsection. The amount of information deleted, and the exemption under which the deletion is made, shall be indicated on the released portion of the record, unless including that indication would harm an interest protected by the exemption in this subsection under which the deletion is made. If technically feasible, the amount of the information deleted, and the exemption under which the deletion is made, shall be indicated at the place in the record where such deletion is made. ". Consumer respectfully ask that the aforementioned credit bureaus do not share the aforementioned information because it's 5 U.S. 552 violation. 

Respectively submitted, XXXX XXXX XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 I disputed an inaccuracy on my XXXX credit report that was made by PORTFOLIO RECOVERY. I requested numerous times for them to provide validation of the debt they 're reporting on my credit report and they have failed to do so. They only respond that the reported information was valid but could never show me validation. This is tarnishing my credit worthiness and I need answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN AN APARTMENT. I HAVE PROVIDED EQUIFAX WITH MY POLICE REPORT AND ID THEFT REPORT, XXXX  AND XXXX  HAS ALREADY REMOVED THE FRAUDULENT ACCOUNT. EQUIFAX HAS NOT. 

XXXX XXXX AT XXXX XXXX XXXX XXXX  OPENED : XX/XX/2015 AMT. XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX DATE OPENED XX/XX/XXXX
Product: Debt collection

This is my second attempt ( first attempt XX/XX/2018 ) at resolving this matter in a recent complaint the company responded saying they have not reported to any major credit bureaus when indeed this account is located on all three of my consumer credit reports as a debt collection. This account has not be validated nor has it been brought to my attention I have not had any correspondence with either of the companies for which this debt is supposedly coming from. Along wit the credit bureaus that are reporting information that has not been validated with a contract or a bill or my signature. Under the FCRA all debt and collections must be validated in writing and the company has done neither but put this bad debt on consumer credit file. This is my second attempt XX/XX/2018 to have this matter resolved.
Product: Credit reporting or other personal consumer reports

I spotted some billing errors on my credit report related to late payments that dont match my history. Please correct and update accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the fraud alerts and extended fraud alerts from all 3 bureaus XXXX : # XXXX  # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CONSUMER DID NOT PROVIDE ADDITIONAL INFORMATION.
Product: Credit reporting or other personal consumer reports

Entries are unauthorized and reporting as past due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Violations of 15 USC 1602 ( p ), 15 USC 1666b ( a ), 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ), 15 USC 1602 ( k )
Product: Debt collection

I contact sage stream online for a security freeze they sent me out paperwork with asking me to send my proof of address and identity and I tried no response there email address is sagestreamll.co and called XXXX XXXX XXXX please help me fime a complaint on them they never answer phone after I filed for a freeze
Product: Debt collection

Whether I answer or get a voice mail from this company, it is a woman 's recorded voice that says the company is Aldous & Associates and this is an attempt to collect a debt. I never get to talk to a live person if I actually answer this call. Whenever I call the number they leave, I am told they have no records for my phone number ( that they just left yet another message at ) and to try and answer the call immediately when I see it on my phone so that I can talk to someone. It never works. I have never gotten through to a real person through their calling me. It is just a recording. I call the number and have talked to a younger sounding man named XXXX several times and he says I need to just keep trying to answer the incoming call immediately to get through to someone to find out what it's regarding. This has literally been going on for two months now. I speak to XXXX about every week. He said maybe next time we can block my number. It is very alarming to keep receiving debt collection calls. My credit is over XXXX ( at last check ) and this company can not even tell my what they are calling me repeatedly for. I have checked my credit report a few times in the last couple of months, and all looks well. I do not see any unpaid payments, etc. 

They call me from XXXX XXXX XXXX and I'm told to call them at XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On the XX/XX/2020, I fell victim to a fraudulent Crypto Currency and XXXX XXXX  named XXXX. Money was transferred from my account to the Company a bank wire for a total amount of XXXX EUR utilizing Coenbases services.
Product: Credit card or prepaid card

On XX/XX/XXXX, I wrote Capital One Services regarding incorrect reporting of my account to all three credit bureaus. I was reported late for 4 months when that was not true. On XX/XX/XXXX, Capital One replied to my letter stating that they were unable to change their reporting of my account. On XX/XX/XXXX, Capital One Services sent me a letter of acceptance into their " Workout Program '' since I had elected to add two of my XXXX XXXX XXXX into Debt Consolidation. I had never been late on my credit cards with Capital One. On XX/XX/XXXX, I received another letter from Capital One accepting my second credit card into the " Workout program '' with no issues. On XX/XX/XXXX, I requested the assistance of XXXX XXXX XXXX  to talk with Capital One on my behalf to rectify the issues of falsely reporting me late repetitively on one of my two credit cards. On XX/XX/XXXX, XXXX XXXX XXXX responded and provided me verbiage from the email that was sent to Capital One. In the email to Capital One, it was alluded that my account was one of many that had experienced issues with my credit card reporting. On XX/XX/XXXX, XXXX received a response that was forwarded to me by XXXX XXXX of Capital One. The message stated that the issue was escalated and still being worked on. On XX/XX/XXXX, XXXX sent me an email stating that Capital One confirmed both of my accounts had been made current. With no hope I relentless tried for year to dispute this issue through the credit bureaus with no resolution. On XX/XX/XXXX, I sent an email to XXXX XXXX XXXX explaining my issue regarding one of my Capital One credit cards. I provided a dispute letter and the Work Out program contract from XX/XX/XXXX. I sent a follow up email to XXXX XXXX on XX/XX/XXXX. I received a call on XX/XX/XXXX from XXXX, Capital One representative who stated that she would look into my issue via an investigation. I spoke with XXXX again on XX/XX/XXXX who informed me that her investigation was over and that Capital One would not corrected any of the reported late payments to the credit bureaus. I questioned the reason of decision and XXXX stated that during the transition of XXXX paying my bill that it was a 10 day lapse in payment. I was confused and requested to see a breakdown of the data that she viewed. XXXX stated that I would receive the explanation in the mail. The letter dated XX/XX/XXXX admitting that I was approved for enrollment into the Workout program on XX/XX/XXXX and she listed that I was past due for the following dates ; 30 days past due in XX/XX/XXXX, 30 days past due inXX/XX/XXXX, 30 days past due in XX/XX/XXXX, 30 days past due in XX/XX/XXXX and 60 days past due in XX/XX/XXXX. XXXX stated in her letter that Capital One confirmed that they are reporting accurate information. In one of the  attachments, you will see records of payments made on the dates I was reported late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity Services Inc has 3 inquiries in my credit report when I tried to get a payday loan. It was never disclosed that I would get a hard pull prior to being approved for a payday loan. I have gotten them in the past with no impact to my credit.
Product: Mortgage

This loan was discharged in Bankruptcy from mr. Copper and we have tried on several occasions to sell the home and pay off the principal balance but the bank did not want to honor the injunction agreement and has been very difficult to deal with. The principal balance is XXXX but the payoff is $ XXXX which leaves the home underwater ( the value of the home is much less than the amount the bank wants ) as it is in need of repairs badly. We have also tried to short sell the home and again numerous times they have denied us or simply ended all communication with us without any explanation. We recently requested all the original closing documents and Mers certificate from XX/XX/2006 for our review and they have emailed us a random screenshot and a newspaper listing for the auction. We have applied for another short sale 2 weeks ago and the bank is now advising that they will not allow us to short sell the home and have given no reason why. We have tried to upload the home in their system called equator and no one will correspond with us. The bank is covering up that 1. they do not have the original documents and that Mers closed this loan which means it's bifurcated. 2. They know that they are in violation of the bankruptcy injunction and want to steamroll us into foreclosure to get rid of us.
Product: Mortgage

Ocwen is and was in clear violation of the XX/XX/XXXX settlement with the CFPB when it comes to loan modifications. When I applied for a loan modification in XX/XX/XXXX, they verbally denied my request to reduce the principal balance on the mortgage WITHOUT sending a licensed appraiser to the property to inspect it, verbally telling me that I did not qualify. I did not receive a denial letter in the mail and they would only speak to me through my estranged wife who wasnt even on the mortgage. Since the foreclosure and subsequent sheriff 's sale, I have done a little bit of research on the property in question. During my research, I have found that they had the property listed on XXXX for 452 days, which part of that time was during my Automatic Stay with my Chapter XXXX bankruptcy. The documents provided will show this and also show that the sale price of the property in question was highly inflated and they did not modify my principal balance to reflect this, hoping to reap as much money as they could out of me. 

During the last complaint I filed against Ocwen, the Ombudsmen would only provide the paperwork that they deemed necessary. They did not provide the actual applications for modification to show that I asked, on different occasions, for a reduction in principal balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information, any other adverse information, other than records of convictions of crimes which antedates the report more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX  is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.