23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I called the XXXX County Treasurer 's office on XX/XX/XXXX because I noticed that the tax payment due on XX/XX/XXXX had not been paid. I paid the amount of {$3100.00} to avoid late fees. When I contacted Mr. Cooper, my servicer, they informed me that they had paid on XXXX, but this was not corroborated by the county. Mr. Cooper has been unable to provide evidence that payment has been made since I contacted them on XX/XX/XXXX. I have made multiple attempts to resolve this issue over the phone and through their online messaging portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX  for an unknown debt. XXXX XXXX XXXX   has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent account from my credit report. I am a victim of a data breach, and this account does not belong to me. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to have this fraudulent account removed as it is the result of identity theft. 
Fraudulent Account : XXXX XXXX XXXX  - XXXX - XX/XX/year> - {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided documentation from the court and XXXX stating that the bankruptcy ( s ) has been removed. The credit agencies states it gets their public record information from the court and XXXX. Ok if that's the case why is the bankruptcy still reporting on my credit file when I have sent proof showing that the bankruptcy ( s ) been removed from XXXX and the court does not provide the credit agencies information about bankruptcy ( s )?
Product: Credit reporting or other personal consumer reports

Unknown Inaccurate hard inquiries listed on my credit report
Product: Credit reporting or other personal consumer reports

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


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT SER : # XXXX, XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 card or prepaid card

I have been running behind on my credit card due to a loss of income. End of XXXX my credit report reflected me 60 days late which was correct. I called the collection company handling their credit cards and they set me up on payments of {$240.00} a month and much lower reduced interest. I was told if I made my payment by XXXX my credit report would not reflect any further past due than 60 days. I did pay {$250.00} on XXXX. I received an alert on XXXX I had been reported 90 days past due. I called in to complain to Walmart and they said they didn't have access to credit reporting but would put in investigation to correct. Nothing ever happened. No phone call, no correction, nothing. On XXXX I paid another {$250.00} and on XXXX I again received alert Walmart is  now reporting me 120 days past due!!!! I was told this would not happen. What is the point of being on a payment plan if I keep getting further past due?? I called in and their employees are clueless. I have spoken to my bank and told I can dispute both of my payments and get my {$500.00} back if not corrected. I will give this until XX/XX/20 or I will have to get my money back from the bank.
Product: Checking or savings account

I opened a new checking account with Wells Fargo 1-2 weeks ago online. The application was approved, I set up online access, made the initial minimum deposit, and have been using all of the features with no problems. I recently got a new phone and updated my phone number on the app to keep my information up to date. 

I received a voicemail today from Wells Fargo stating they needed to speak to me to verify important account information. They called me back one more time within the same hour, I answered, but no one was on the line. When I tried to call back, the phone line said it was closed. Shortly after, I received an email that my account was reviewed and set to be closed in a few weeks. 

I have been unable to get in contact with the Loss Prevention department thats supposedly closed on Sundays, although they called me twice within this very day. I spoke with a customer service supervisor on the phone who had no information about the reason for this email or path to resolution. 

Im more than willing to visit a branch in person to verify my identity and any information needed to keep this account open and in good standing. Wells Fargo has abruptly frozen my account without giving me an opportunity to verify the information they needed. I have outgoing ACH payments scheduled for bills and credit cards, and planned to use this as my main account to receive direct deposits. 

This has been a terrible experience and Wells Fargos business practices are highly unethical. I need a resolution for this issue ASAP, as I now seem to be out of a bank account for no good reason.
Product: Credit reporting or other personal consumer reports

I am writing to dispute account on my credit report that were made without my consent. According to section 604 OF FAIR CREDIT REPORTING to section act ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. HARD INQUIRY XXXX XXXX XX/XX/year>
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I placed an order on XXXX for a XXXX XXXX XXXX vaccum cleaner for {$950.00}. Upon checkout, I choose " Affirm '' as an option to finance my purchase as a 0 % APR interest loan over 6 months. XXXX XXXX ordering system was quick to notify me that the order did not go through ( and error occured XXXX. However, to my dismay, the loan was created on Affirm.com and stuck in a " Merchant processing '' state. I initially reached out to Affirm on XX/XX/2021 to inquiry about having the loan nullified since the order never went through on XXXX XXXX website. I was asked to get proof from XXXX that the order was cancelled or otherwise not created, which I quick provided on XX/XX/2021 by forwarding XXXX XXXX response. This seemed to get nowhere. I once again tried reaching out to Affirm on XX/XX/XXXX, once again providing them the original emails from XXXX stating no active order existed in there system and additionally proof where I had yet another conversation in which XXXX affirmed no such order was active in their system. I've yet to receive any positive response about this being handled or what needs to occur for this to be handled. I have not received a response from Affirm since our last interaction on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had no contact ( authorized or otherwise ... no accounts and no knowledge as to who these companies are ) who are making hard inqueries on my credit that are driving down my credit score. I dispute these inquiries and request that they be removed immediately.
Product: Credit reporting or other personal consumer reports

My credit report shows a collection from Transworld Systems Inc. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I request validation of the debt. Therefore, the company should have provided me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of their state license, including license number.

Transworld Systems Inc FAILED to provide several items on that list. They did NOT provide documentation that shows I agreed to pay this debt. They also did not provide the Agreement that grants them the authority to collect on this alleged debt. They also did not provide a copy of my state license, including license number. They did not send me all five items. They can not send me some of those documents without falsifying them because they do not exist. 

I have attached the one, and only document the company sent me, that does not show where I am obligated to Transworld Systems Inc in any way. I am disputing the account stated below. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debt. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to verify that this is indeed my debt. 

Account name : Transworld Systems Inc Account number : XXXX The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. I look forward to a swift and amicable resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company several times to correct the issue. They are reporting my account as closed/charged off and sold to another lender. 
The company is reporting that I owe more money than my account really does. 
The company has not been reporting accurate information since XX/XX/2020 Also has been reporting that I am late on this account. I have NEVER been late and also my account was paid up for a year.
Product: Debt collection

This is Not my debit. I did Not have XXXX coverage the date I was billed. I spoke to a representative at XXXX who said she took care of the matter last year. I had XXXX coverage and I have Proof. I lived in Nevada also. So this is Not my bill
Product: Credit reporting or other personal consumer reports

There are new hard inquiries showing on my credit profile that I did not initiate or give my consent to. Those inquiries include but are not limited to the following companies. 


XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I have my auto loan of 4 years with Gateway One Lending and Finance. My account number is XXXX. I pay through direct pay from my credit union checking account. When my account went into arrears, I was locked out of my online account for not answering representatives phone calls. I have notified the account supervisor XXXX XXXX in response to e-mails she and the credit department sends letting me know they are trying to reach me via telephone. I told Ms. XXXX I do not have access to my online account and NEVER get paper statements so I have no idea how much I owe, ever. Ms. XXXX has stated she has updated my account to allow me access but I still can not get in. She also replied they send statements to my address, which they never do. I have even updated my account until my recent move XX/XX/XXXX. 

How am I to keep up on an account I have no idea how much I owe? Ms. XXXX told me I owe {$730.00} on XX/XX/XXXX after I told her I just sent a payment of {$300.00} and have no idea how much I owe for the reasons stated. My payments are {$440.00} per month, so although she told me I owe two months, I owe less than two months and actually less than 1 after my {$300.00} payment. 

I need statements and I should not be locked out of my online account because I do not take their calls.
Product: Mortgage

To whom it may concern, On XX/XX/XXXX, my wife and I were told by our current service provider that our mortgage payment would not be due until XX/XX/XXXX. I was told this by two different representatives on two separate days. I was told this by two different representatives two separate days At the time the payment looked to be around $ XXXX/month, which was not correct. I 've recorded this conversation from XX/XX/XXXX and attached it to this email. 

Also, we have a tax exemption from XXXX county that should lower our monthly payment when applied. 

We were then told that our payment was due on XX/XX/XXXX and that they would not honor what was told to us. On XX/XX/XXXX they sent me a letter apologizing for the misinformation, but claimed that they can only honor the modification starting date. In the message you will hear the representative tell me we will be up to date on XX/XX/XXXX. Also, this was not the only rep who told us this. However, we recorded this later conversation on XX/XX/XXXX as proof. 

Im just discovering that I cant attach the audio to this email. Please provide an email address for me to attach the audio proof. Thank you! 

Rep : XXXX Ext : XXXX Please let me know if you need any additional information.
Product: Credit card

I was notified that my credit score was recently reduced because of a hard inquiry from Capital One. I did not authorize this. 5 days later I receive a new credit card from Capital One that I did not request. I called them to cancel this card, and to report the cancelation to the credit reporting agencies. They told me they needed a lot more personal information from me to cancel the card, and that they have 90 days to investigate how they came to send me an unsolicited card. They said someone must have requested it, which is not possible, and the CC was sent to my home. They told me they could not cancel the card until after an investigation. I believe that since I just paid off all my student loans, and signed a large lease in my own name, which were reported to the credit reporting agencies, that Capital One sent me an unsolicited card, I want my credit report to be corrected, and want to cancel this card.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting that the ( XXXX XXXX ) account status is collections/ charge off ; however, according to XXXX online monitoring services report, I have no late payment and no collection therefore it's an inaccuracy. This violation of 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Delete the collections/ charge-off off account ( XXXX XXXX ) from the consumer report. Please see the attached supporting documents.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a unsecured line of credit with XXXX XXXX XXXX XXXX XXXX regarding a settlement of debt on XX/XX/XXXX. I paid XXXX XXXX XXXX XXXX XXXX {$12000.00} in cash, as requested by XXXX supervisor XXXX. XXXX promised to send my payment information to the credit bureaus within XXXX business day after a cash payment to settle the account. It states in the second paragraph of my settlement letter that the credit bureaus would be notified within 60 days of the settlement of my account XXXX... 
My other three accounts for car loans reports monthly. With regards to account ending in XXXX, I understand that XXXX XXXX XXXX XXXX XXXX charged off my loan on XX/XX/XXXX with a one time release of information on this account, which lowered my credit score roughly XXXX points. I can not win back the hit to my credit score if the company continues to refuse to release my financial information to my credit score disadvantage. Below is XXXX XXXX Settlement letter to me .....
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint is being filed to request pursuant to FCRA 605B ( 15 U.S.C. & 1681c-2 ) That you XXXX, XXXX  and equifax credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fradulent, inaccurate and false information consists of several personal credit cards opened at XXXX account number XXXX and XXXX XXXX account number XXXXXXXX XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX and an auto loan from XXXX  XXXX account XXXX. These accounts have resulted in several fradulent hard inquiries and fradulent collections appearing on my consumer XXXX credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the mentioned fradulent items.I do not recognize the above mentioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections or hard inquiries appearing on my credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint number ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Specialzed loan servicing refused to modify my loan # XXXX, and placed my home on the foreclosure sale list for XX/XX/XXXX .XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX , XXXX XXXX did not validate the debt nor did SPECIALIZED LOAN SERVICING. I ALSO sent a letter to XXXX as for proof of claim. SPECIALIZED LOAN SERVICING has fail to respond to a QWR I Mailed XX/XX/2016 to XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX