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

XXXX5 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In spring 2013, I began contacting XXXX to learn more about the pros/cons of requesting a forbearance. When I decided it was right for me, I requested to put the forbearance in place. At the time, I had auto pay setup also to ensure that my payments were not late. XXXX either switched auto-pay systems or upgraded, I do not recall. I do recall inquiring about it with a customer service rep that informed me that my details would transfer over, no need to worry. Months later, I recall receiving mailings and calls offering student loan payment assistance. However, every time I called XXXX, the customer service rep would tell me that my balance was XXXX. I received another round of calls/mailings offering assistance, called XXXX " balance XXXX ''. Several times, I did this. I suspected that the calls/mailings were some type of identity theft issue, like the kind XXXX XXXX and XXXX XXXX XXXX previously contacted me about in relation to my cards with those respective companies. By the time we got to the point where I was told the customer service reps were 'looking at the wrong screen ', damage to my credit had already been reported ; however, XXXX sent me an approval letter for my forbearance request covering the exact timeframe they reported adverse payment details to the credit bureaus. <P/>I was so exhausted dealing with XXXX, and in disbelief that they would not correct/reverse the erroneous report { to the credit bureaus }, I did not know what to do. I did not know who to contact for help, how to get help, or if anything could be done. Until I looked into the CFPB last year. I thought too much time had passed to fix it, although it bothers me that this is the only blemish on my credit. All other XXXX accounts, of various types, over 20+ years no late payments! Please help me fix this error. Over XXXX XXXX, I was clearing out a box of documents to shred and came across the forbearance approval letter from XXXX. Once again, I am hoping to correct this error to ensure that my credit score is updated to accurately reflect my character and to demonstrate the seriousness and responsibility I apply to paying all of my obligations on time and in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX, XXXX AND XXXX XXXX. 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.P LEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MYCREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Mortgage

Years ago ( 2006 ) I had a XXXX and XXXX mortgage with Stearns lending. Later my loan was transferred to several different companies ( because of the market crash and Stearns going under/companies experience buyouts etc. ) I eventually got a loan modification with XXXX. I am now with XXXX  and have continually paid my mortgage on time. I am currently in the process of refinancing and when they pulled the title a lien from Stearns lending shows up on the title. The lien was not removed during the loan modification which was through the XXXX  XXXX XXXX program. I have reached out to every company I can ( all except XXXX because they are no longer around ). I can not get anyone to help me remove the lien. The main company who should remove the lien is Stearns lending XXXX or XXXX if they were still around ). Stearns lending told me they would look into it, but now I have heard nothing. This is a mess and is likely going to make it so that I can't refinance the house and will never be able to until the lien is removed. I do not owe the money on the lien because it was absorbed with the loan modification, but everyone wants to point fingers and tell me I need to contact this company or that company. I just want XXXX to do the right things and remove the lien. I tried to contact XXXX XXXX XXXX but basically the program is no more ( its now HOPE or HARP I believe ) so they also said they could not help me to sort it out. I just need someone to please help me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$7500.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$7800.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$11000.00} ), XXXX  XXXX Bankruptcy ( Date Filed/Reported : XX/XX/XXXX, Reference # : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$4000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with Oklahoma Motor Credit Company, I got behind on it and had to work with their attorney to get the balance paid off before they repo the vehicle. Which I did, in XX/XX/2015. I received a balance in full letter and account closed. Now, I'm trying to purchase a house and when I had my credit pulled, this company is showing a XXXX balance and a monthly payment of XXXX plus it's a charge off account with current delinquencies. I attempted to contact them and they refuse to speak with me, stating that they doesn't have to talk to me regarding this account and hung up on me.
Product: Credit reporting or other personal consumer reports

Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. There is inaccuracies in my name, XXXX, and fradulent addresses and phone numbers on all my account. have reached out to all three credit furnishers and non of them have respoded or provided proof of the request for removal of all the aforementioned accounts, name, addresses, phone numbers, employers and inquires soft and hard sustained by these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had numerous breach of credit reports an personal information being shared unlawfully.
Product: Debt collection

Company has refused to comply with validation of debt requests. Experian states they dontr have to obtain physical proof based on there on protocol in violation and non compliant with Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) demand sent XXXX and XXXX. These non-validated debts are still being reported errenously on my credit report.
Product: Vehicle loan or lease

This month, on XX/XX/XXXX, my loan payment of {$450.00}, which was due on XX/XX/XXXX, was mailed to Navy Federal Credit Union by my bank XXXX. Navy Federal Credit Union said that they did not receive it until XX/XX/XXXX. I normally order payments from my bank to be sent 10 days before the money is due.
This problem has occurred twice before within the last year, and I believe that Navy Federal Credit Union is delaying the processing of incoming checks rather than marking them paid on the same day that they are received. I would like an investigation of their bill processing practices, since I think that 9 or 10 days should be sufficient time for checks to be mailed and processed in. 
I asked to speak to an upper level manager of XXXX XXXX XXXX, but the supervisor with whom I spoke refused to transfer me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX  XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX To Whom It Might Concern, Were contacting you AGAIN regarding the merger of our files and reports. We are still noticing that our names, accounts and personal information is still illegally merged and combined on each others reports. We have sent you letters requesting to dispute. We have called you on the phone and requested to dispute. We have mailed you letters in the mail requesting to dispute! We have mailed you copies of our Drivers License. We have mailed you copies of our Social Security Cards. We have included copies of our past and present credit reports to show the discrepancies. We have filed countless complaints on the CFPB website. However, you continue to ignore and disregard our requests, disputes and complaints. 

We previously disputed these incorrectly reporting personal information to each of you and it was never deleted, corrected, verified or investigated. It remains or it was deleted and added back without further verification taking place. We sent letters and complaints on XX/XX/XXXX CFPB telephone complaint, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website, XX/XX/XXXX us mail, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website, XX/XX/XXXX CFPB website and again today, XX/XX/XXXX CFPB website. We requested that you remove ALL incorrectly reporting information and send us new, updated, completed copies of our credit report. That has not happened to date! 

As of todays date, XX/XX/XXXX we have decided to proceed with legal action. We have contacted our attorney and requested that he file a monetary Tort complaint against you effective immediately for intentionally reporting inaccurate, incorrect, misleading, false information on my credit report. You have not sent any of the requested information. You have not sent us any investigation results. You have not sent us any letters or proof of validation. You have not sent us any signed contracts. At this point, we are overwhelmed, exhausted and simply mortified of your behavior. Laziness and inability to follow through on your job. 

The information that is reporting is inaccurate. You are continuing to intentionally report false, inaccurate, incriminating information which is a violation of FCRA. You have failed to respond to our requests within the original allotted 30 day timeframe. The added 15 day timeframe. The final 24 hour deadline. You have NOT verified any information listed regarding anything we have previously submitted to you. There are several discrepancies and we demanded that it was all deleted immediately. Attached, please find copies of the court case numbers, court dates and names of all parties involved in the lawsuit!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I sent the attached Certified Letter to Equifax. Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Equifax is required by Federal law upon request through PHYSICAL VERIFICATION of the original signed contract any and ALL accounts on my credit report or they must be deleted.

I did not receive any PHYSICAL VERIFICATION proof of any of the accounts on the attached document and the accounts are still on my credit report, which means my request was completely ignored. This can not be completed by using XXXX XXXX is NOT PHYSICAL VERIFIABLE signed contract by me.

These accounts must be removed per FEDERAL LAW FCRA Section 609 ( a ) ( 1 ) ( A ).

I am again requesting PHYSICAL VERIFIABLE proof or the accounts must be removed immediately and NOT verified by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Mortgage

My wife and I have submitted these five different consumer complaint number list below XXXX, XXXX I have received three response letters from my servicer regarding my claims with almost the identical responses in each letter. 

The responses in the three letter are stating the same false claim ; " As your loan is backed by XXXX XXXX ( XXXX ), the modification guideline does not permit any future escrow disbursements to be included in the modification amount. " I have attached a document calling out XXXX XXXX XXXX XXXX XXXX ( XXXX & XXXX ) that clearly show that my servicer 's statements/claims are completely false. 

If CFPB has no-one capable of reviewing false claims make by a servicer and simply taking the word and position of a dis-honest servicing company then I am forced to pursue a class action lawsuit against the CFPB and my loan servicing company.
Product: Money transfer, virtual currency, or money service

I sent money to Coinbase from my bank account which records show was transferred on XX/XX/2018 to purchase digital currency. 
The Company say 's it takes about 3 days after clearance to make digital currency available. After several days my account shows that funds would not be available for 30 days. I contacted Coinbase by email and after a few attempts was told they would investigate the matter. Problem not solved. I was requested to upload for the second time photo identification and drivers license identification which I did successfully as in the first instance. 
After a couple of days my account shows that the funds would not be available for 70 days. Up until now as you will see by the email exchange that no explanation was given as to why this has happened. 
After several more email exchanges with no explanation of when my funds would be made available I sent an email requesting that my account be closed and my funds returned. After 3 days I received no response so on XX/XX/2018 I made a phone call and and spoke with an agent explaining the problem. He went through the email exchanges and acknowleged the problem but could not offer any reason for my funds being tied up so long and requested that I submit another identification verification by uploading my photograph and drivers licensce for a third time. I informed him I would not do this again and let him know this was a courtesy call as a follow up to my last email that I wanted to close my account and the the funds returned. I was informed he could do nothing more for me. I let him know I would make a formal complaint to the proper agencies and he gave me the address to Coinbase Legal Dept. 
I am simply seeking to have my money returned. It is totally unfair for them to confiscate my funds for this long.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, I never had any late payments, I'm not sure why it's shows that I'm being late The consumer reporting agencies need to report all information with complete accuracy. 
this account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year> I'm now requesting to investigate and provide verifiable proof with records showing that I had late payments. 
If the information can not be verified I demand these payments to be updated to paid on time immediately. 

Account name is XXXX XXXX # XXXX Thank you
Product: Debt collection

Received phone call from XXXX. They informed me that someone was trying to locate me. Would not tell me who and told me they were with Judicial location services ( which does not exsist ) and gave me a case number " XXXX '' and a XXXX to call and get taken care of. When I called the number it was a generic voice prompt. The person who got on the line said they were with pinnacle proceedings. I told him thank you I was trying to figure out who called me. His response was " we dont call people XXXX ''. And hung up. I never identified myself in the phone call. I found out that 5 mins after I got called my mother-in-law also got a call saying someone was trying to locate me and they wanted my place of employment.