23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX DOB XX/XX/XXXX SS XXXX The following SS # is not mine XXXX please delete it! 
The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, KY XXXX I am currently XXXX  XXXX. Please remove the following employers : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian and XXXX multiple times concerning XXXX XXXX. 
Experian stated they investigated claim but never initiated a dispute after stating they were investigating XXXX XXXX. XXXX XXXX admitted that I XXXX XXXX and my wife XXXX XXXX paid of account. XXXX XXXX is reporting false fraudulent information to XXXX XXXX and Experian and the to credit bureaus are allowing it because XXXX XXXX is a paying customer. This will be my last and final warning to Experian and Transunion concerning XXXX XXXX or I will be filing suit for violation of FCRa 609 611 612 616 as well as defamation. 
Ive given you time to investigate properly as stated in FCra now Im demanding a deletion. 
XXXX has deleted this account because they actually did a thorough investigation. Please see attached and no response we are lookinh into it no more stall tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my credit reports there is a few inaccuracies regarding my payment history on my account ... These three bureaus are not up to date with payment history and have inaccurate reporting in their system.. 

For account XXXX XXXX/XXXX this account has been current for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

For account XXXX XXXX this account show to missed payments in XX/XX/XXXX/XX/XX/XXXX which are inaccurate..
Product: Credit reporting or other personal consumer reports

These difficult queries do not belong to me, they have not been authorized by me and must be deleted. Also these queries that appear here. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX was sent several documents including their copy of the 1099a for the total unpaid balance on or around XX/XX/21. Even after that payment I was sent an email confirming they received the tender of payment and documents and proceeded to try to induce me into a fraud by asking for a check. They went on to say that they would continue to take the payements out of my linked checking account until they received the payoff payment amount as promised. I responded to their email and I have yet to receive a response back. Under duress, I wrote XXXX XXXX a check, Paid to the Order of the United States Treasury. It wa n't until then that XXXX XXXX sent me an email stating that the balance was paid in full. Soon after my consumer report was updated with an ontime payment, and the following month the report stated that the balance was paid in full. I just recently checked my credit report and XXXX has furnished a negative remark on my consumer report in the form of a late payment without my consent. Additionally, no one from this company has reached out to me personally before accessing my personal consumer report which is identity theft. XXXX XXXX is committing fraud by trying to force me to pay off the loan in federal reserve notes when federal law states that federal reserve notes is simply a promise to pay. Therefore it is my right to tender commercial paper as payment, and credit their institution as well as it is my right to provide them with a receipt to show goods have been received. Both of which was done in XXXX
Product: Mortgage

I WENT IN PERSON TO RESOLVE THE PROBLEM ON CASE # XXXX Print complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2018 PRODUCT Mortgage ISSUE Trouble during payment process I SPOKE TO XXXX XXXX XXXX ASSOCIATE XXXX AND ASK FOR A MEETING WITH CEO WHY CAPITAL ONE REFUSE TO SET UP A MEETING WITH THE DIVINE KING! I LIKE TO LOOK AT THE PERSON IN HIS EYES AND SEE IF WILL LIE TO THE DIVINE KING.. LIKE I TOLD XXXX. I'M NOT GOING ON THE WELFARE SYSTEM EVER AGAIN BECAUSE OF MY NET-WORTH OF {$39.00} ZILLION HOLDINGS WITH CAPITAL ONE XXXX XXXX AND XXXX XXXX  WHO HOLDS THE DIVINE ASSETS ON RECORD WITH OUR US TREASURY AND FEDERAL RESERVE BANK OUR GRANTOR. I WAS DENIED MY RIGHTS TO FILL OUT A POLICE REPORT WITH LOCAL PRIVATE DC XXXX POLICE DEPARTMENT WHY? DO THE BANKS OWN OUR JUDGES AND LAW ENFORCEMENT OFFICIALS? WHY WAS I REFUSE TO SCHEDULE A MEETING CONCERNS ON THE FUTURE OF AMERICA FINANCIAL SYSTEMS AND MY FATHER IS WATCHING EVERYTHING 3EYE VISION! SO WHY WAS I REFUSE A MEETING THE GIVEN {$3.00} DOLLARS FOR TRAIN MONEY WHEN THE TRAIN COST {$3.00} LUCKY THE HOMELESSNESS WILL FALL ON THE WHOLE CAPITAL ONE FRANCHISE FOR DEFRAUDING THE LIVING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX of 2020 I began the process of refinancing my home loan from Wells Fargo. During this process my loan originator noted that there was a {$1000.00} discrepency between what Wells Fargo had reported to the credit agencies and the amount they gave when asked for a payoff demand. I called Wells Fargo to report this discrepency and an investigation was opened. It has been over 45 days and they have not responded to my request. I just spoke to a supervisor today and was informed that several people had looked at my account but they have not figured out why the discrepency exist. I asked why no one from Wells Fargo has contacted me regarding this matter and she said she did not know.
Product: Credit card or prepaid card

My phone number has been receiving an average of 6 calls every day, sometimes more, from Synchrony Bank ( XXXX ), on behalf of T. J. Maxx, for a few weeks. I do not have an account with TJ Maxx. Apparently, my phone number is associated with someone's delinquent account. I contacted them directly and have now spoken with 5 separate people. One of their representatives said he would not remove my phone number from the person 's account because he couldn't update someone's contact information without her permission. He admitted he had no other way of contacting the person, and said he understood continuing to call my phone would not resolve any account issues, so his refusal to delete my information is nonsense. Every other person promised that they applied a fix that would immediately ensure I would not receive any further calls ; however, I have since received 5 more calls. I do not know the person whose account they're harassing me about and their continuing to call me will yield them no benefit. It is only frustrating and disruptive to my day.
Product: Debt collection

I am writing in regards to the debt you claim I owe, which is definitely an error. I request that you provide me with a validation of the debt, as required by the Fair Debt Collection Practices Act. 

NCA ( Original Creditor : XXXX XXXX XXXX XXXX XXXX DBA XXXX ) XXXX
Product: Mortgage

Mr. Cooper acquired my mortgage from another lender a few months ago. The mortgage is almost paid off, but it was set up with our taxes and insurance in escrow. 

They have not paid either one. I paid the insurance out of pocket this morning to ensure that my insurance won't be cancelled. Mr cooper claims to have made both payments but the county tax collector and my insurance carrier disagree. 

When my insurance company spoke to a representative from Mr Cooper, they asked if they could make a partial payment and extend the due date. They have a fiduciary responsibility to make those payments on time, but they have not done so. 

Also, our tax collector offers a discount for taxes paid early. Mr Cooper has missed the early payment deadline, so our taxes will now be higher than they would have been if Mr Cooper had paid the taxes on time.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate late payment reporting on my credit report. After thoroughly reviewing my records, I have confirmed that these accounts were paid on time. The erroneous reporting has negatively impacted my FICO score, and I demand an immediate correction. 

Under 15 U.S.C. 1666b, I am entitled to a fair and accurate investigation of this matter. I expect a prompt review and correction of these accounts to reflect their actual payment status.
Product: Debt collection

Data IQ has been calling me non-stop, after I 've told them I can not pay them at this time. When I told them I could n't pay today, they said " well, I 'm sorry for what is going to happen to you next ''. They have implied threats to me, and are now calling me at work. I never received any notice that this account was being sent to collections in the first place, and now they are charging me interest!
Product: Credit reporting or other personal consumer reports

XXXX XXXX is currently reporting late payments to the credit reporting agencies. In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

This complaint is against the company  " Commonwealth Financial ''.      Currently, they are reporting that I owe them a total of {$760.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report. I did not know this was even on my credit until I checked my report recently and I discovered that they were reporting this.     Are n't collection companies supposed to send me a notice of a right to dispute a debt before they place it on my credit?     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     To facilitate the CFPB 's investigation, this is the account number from my report : "  XXXX  '' My report indicates that the account has an " open date '' of  XXXX   2017.
Product: Credit reporting or other personal consumer reports

The account opening date is XXXX. The balance is {$19000.00}. This a fraudulent account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate address information on my credit report. The addresses listed do not accurately reflect my residential history, and I request that the incorrect information be updated accordingly. 

Personal Information : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX 
XXXX, XXXX Previous Addresses : XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX Apt XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PR XXXX Issue : The addresses listed on my credit report contain inaccuracies, including addresses where I have never resided or addresses with incorrect formatting. These inaccuracies could potentially affect my creditworthiness and the accuracy of my credit report. 

Requested Action : I request to conduct a thorough investigation into the inaccurate address information listed on my credit report and make the necessary corrections to ensure that only accurate and verified addresses are reported. 

Furthermore, I request that any addresses that do not belong to me or are incorrectly formatted be removed from my credit report promptly.
Product: Credit reporting or other personal consumer reports

15 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 Equifax 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. Equifax 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 entities involved.
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. 

Account name : XXXXXXXX Account number : 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 XXXX  years.

15U.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. 

These inaccuracies are stopping me from getting a house for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Studio City, CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA.

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Delete this information immediately!
Product: Credit reporting or other personal consumer reports

15 USC 1681 602 states I have the right to privacy 15 USC 1681 section 6048 sections it also states a consumer reporting agency can not furnish an account without written instructions from the consumer.

15 USC1692c ( A ) Without the proper consent of the consumer giving directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with their collection with of any debt. There is a need to ensure that Consumer reporting agencies exercise their grave responsibility with fairness impartiality and respect for the consumers right to privacy according with the written instructions of the consumer to whom it relates to this is a clear violation of my privacy. Therefore Immediately I want the following accounts delete it off my consumer reports. XXXX XXXX XXXX # XXXX XXXX # XXXX & XXXX # XXXX.
Product: Payday loan, title loan, or personal loan

In XX/XX/2021, I used Affirm, in conjunction with XXXX XXXX XXXX, to finance {$1000.00} at 0 % interest for 12 months. I have an autopayment setup for {$88.00} that occurs on the XXXX of every month. Affirm says they did not receive the payment on XX/XX/2021. I have sent them the image from my bank portal showing the XX/XX/XXXX payment. My bank wrote a letter showing 6 months of payments, including the XX/XX/XXXX payment, on bank letterhead. I can not get a representative from Affirm to speak with me about the issue, nor do I get timely responses to any email, text, or phone call. I do, however, receive regular threats about my credit score and impacts to future loans. I have been denied a loan solely because of this delay. Now the account is showing that XXXX XXXX payment was also not paid, even though they show that payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

i have had a student loan for years. I was kicked out of the school because they changed the program hours and I could n't do day hours. I have tried to get the money back but have not been successful. Now the school is closed and I am at a loss. My husband is in the military and Im trying to claim SCRA. Im so tired of this loan. Please help me!!!!
The loan was original amount was XXXX. I now owe XXXX due to late fees and what not.
My loan was through XXXX XXXX Now its with navient. My account number is XXXX. Any help with this would be great.