23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My son ( XXXX ) fianc ( XXXX XXXX XXXX  ) and my self lived in a two bed room town house that we were renting. The bathroom leaked and we had a flood that went through the ceiling to the first floor the flood was serious and XXXX  from the bathroom went through the ceiling as well. Instead of them fixing the problem they just brought fans in and cut the ceiling out. That night we had to sleep at a family members house. They told us the next day that they fixed the problem so we came back but had a family friend who does work in that field expect the house due to my fianc being XXXX XXXX XXXX and my son having bad XXXX. He checked the house out and stated the house has a lot of mold due to the problem not being fixed they just patched it up. I spoke with the office and he told them the concerns and health hazards that could occur. My fiancs doctor told her it wasnt safe for her to stay in the house due to Mold. Again we slept at a family members house for them to try to fix the problem we came back and they just were making excuses of why it wasnt fixed. I gave them a two week notice due to it being a health hazard for my XXXX fianc and son and they stated they were in agreement and recently we got that place on our credit
Product: Credit reporting

I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following inquiries are fraudulent and does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/ PayPal Credit contacted me by letter alleging that I own a debt {$65.00}. I telephone called PayPal and was advised that I didn't have an account. I responded Pursuant to the Fair Debt Collection Practices Act, Demanding Information ; Verify the amount of debt, send a copy of written verification of debt with name creditor, Stop all collection efforts until I receive a copy of this written verification of debt. 

Received a letter dated XX/XX/XXXXalleging I owe {$24.00} for transaction dated XX/XX/XXXX XXXX, ( Account XXXX XXXX XXXX XXXX ) On XX/XX/, I received a bill from PayPal for {$100.00} which I do not own. 

Thanks for your attention regarding this matter. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX reporting under account # XXXX is a up to date current closed account that was paid in full that wasn't a charge-off. It has come to my attention that in 2017 for the months of XXXX, XXXX, XXXX and XXXX they have marked across all XXXX bureaus XXXX, XXXX and Transunion 30 day, 60 day, 90 day and 30 day late payments respectively when this is inaccurate and incorrect. I have made all payments on these accounts on time and have never been late once. I am in the process of going for an apartment and due to these late payments they have severely impacted my credit where I can not qualify for an apartment because my credit is shot due to this. I need this account updated with the right correct payment history as current and up to date on payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent a letter to XXXX letting them know that my school loan was a violation of 34 CFR Part 99, FAMILY EDUCATIONAL RIGHTS & PRIVACY. XXXX has violated my Right to Privacy which they have looked over and continued to report on my credit profile a debt. I told them in XXXX that this debt was discharged. I filed a 1099-C to cancel out the debt, which the IRS accepted on XX/XX/2024. They have yet to update my credit report as amount in full. 

I would also like the CFPB to know that I have done my due diligence and was made aware that when I applied for this school loan, I signed a promissory note. Now on that promissory note, it contained my signature, which gave that note value. The note was processed as a security to be deposited to the treasury for complete payment of the loan. XXXX XXXX XXXX processed that security and was paid from my account. Also, they would trade this security on the secondary market over XXXX times, making trillions off my signature. XXXX is now asking for the amount of XXXX as they are now doubling back to get more money from me, when they were already paid once I signed my signature. Now as an investor I was not compensated my 70 % according to XXXX XXXX for trading my security on the market as a security now where is my money owed to me. XXXX sends me a statement every month which is a book entry security which is evidence of a bond. Now XXXX wants unlawful money paid to them in Federal Reserve Notes. I can not pay you in FRN 's because that would not settle the debt. However again the debt was paid already by my signature.

If this loan is not settled for the full amount, I will notify the SECURITIES EXCHANGE as a whistleblower, of how you have stolen my Securities and have not compensated me for them. I will also have to notify the IRS that you have filed a 1099 on me every year. I have filed a 1099-C and the loan is a certificate of indebtness, it can not be reported on your credit because the debt was cancelled. Please update my credit profile to the loan was paid in full and delete all negative marks associated with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  which is the same company as Homeloanserv which was paid off in XXXX of XXXX have lost my patience with this company placing negative information on my XXXX account and XXXX is allowing it.Every other week they are sending fraudulent information that I am delinquent on an account that was paid off on XXXXXXXX XXXX accepted a check from the title company on both loans they had opened in my name and one of the loans was a XXXX XXXX.Why are you all allowing both of these entities to place fraudulent information on my credit reports? I provided proof to you all the loans was paid in full. The title company has provided information, so my question is do I need to hire an attorney and file a lawsuit against someone in order to get this negative information off my credit report? Its sad when innocent consumers are battling against these predatory companies.Everytime I apply for a place to live that false information is hindering my ability to move forward with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Consumer Solutions has violated my rights to privacy. 
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 : Bankruptcy XXXX XXXX Account Number : XXXX has violated my rights. 
Account Name : Bankruptcy XXXX XXXX Account Number : XXXX has violated my rights. 
Account Name : Bankruptcy XXXX XXXX Account Number : XXXX has violated my rights. 
Account Name : XXXX Account Number : XXXX has violated my rights. 
Account Name : XXXX XXXX XXXX. Account Number : XXXX has violated my rights. 
Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. 
Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. 
Account Name : XXXXXXXX XXXX Account Number : 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 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 1681 Section ( 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

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm 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
Product: Credit reporting or other personal consumer reports

Someone used my name, birthday, and social security number to open up an account on the credit Karma website. This exposed all my financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE ADRESSES THAT NEED TO BE CORRECTED I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

I asked all companies to immediately delete the account. According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and 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, ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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. 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. 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 and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I sent a dispute for an account that did not belong to me, on XX/XX/2023, and they didn't respond as the law says. It has been more than XXXX days since I asked Equifax to delete this account from my credit report and they didn't delete the account from my credit report.
Product: Debt collection

I was a victim of identity theft and noticed a collection from MEDICAL DATA SYSTEMS INC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MEDICAL DATA SYSTEMS INC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have been a member with USAA for 7 years and I opened a credit card ending in XXXX with USAA bank . I am unable to get an accurate credit report because USAA removed it from my credit file. I am now on my 2nd on time payment and I was informed by XXXX, XXXX, and XXXX that USAA has not sending them information. My credit score is not correct for these reasons. PLEASE REPORT MY CREDIT CARD AND PAYMENTS IMMEDIATELY OR I WILL STOP MAKING PAYMENTS.
Product: Mortgage

I sold my house in XX/XX/XXXX, on or about XX/XX/XXXX I request a payoff from rocket mortgage. They sent a payoff in the amount of XXXX, which was good until XXXX XXXX. The closing attorney sent the check on XX/XX/XXXX, with XXXX tracking. XXXX tracking said the check arrived and signed for on XX/XX/XXXX. Rocket mortgage continue to impacted my credited score in the following month to the point where I sent them XXXX on advice of my realtor. Also about this time I talked to the my closing attorney about the payoff, they stated both mortgage has not be paid off. On XX/XX/XXXX, I received a email from rocket mortgage stated that I missed the last XXXX months payment and that every miss payment is a step closer to foreclosure. I call Rocket mortgage that same day, I asked why they have not closed my account. The worker told me that the payoff was XXXX dollars short and that they shredded the check. I asked them how was it XXXX dollars short? The worker stated that they paid the taxes and the escrow did not have the money for that. They paid the taxes on XX/XX/XXXX and then that change the payoff amount. The Tax office does not have any record of them sending the check for the taxes. Then Rocket Mortgage stated they would need another payoff in the amount of XXXX. Which the closing attorney is going to send out today XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report today XX/XX/19 because I was denied from getting a credit card at my bank and I noticed that there are several inquiries on my credit report that do not belong to me and need to be removed. I have no idea who made these inquiries in my name or how they got a hold of my personal information but I have never allowed anyone to make these inquiries in my name. I did not benefit anything from this and I have already filed a police report regarding this suspicious activity on my credit report.
Product: Debt collection

Upon carefully examining a copy of my personal credit report, I have uncovered a number of discrepancies. While I understand that errors can occur, these particular inaccuracies could seriously jeopardize my prospects of becoming a homeowner. I have researched the dispute process and I am aware that you are required to complete your investigation within a thirty-day timeframe. I kindly request that you take the necessary time and care to eliminate the inaccurate information from my credit report. Given the current economic challenges we face, I can not afford to have incorrect data negatively impacting my credit score. I will anticipate receiving an updated copy of my credit report reflecting these corrections within thirty ( 30 ) days. The following is the error that I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts from my credit profile ASAP.
Product: Mortgage

I was approved for a mortgage modification by Owen in XXXX of XXXX. I paid required payment of {$XXXX} to Ocwen and verified it was received on XX/XX/19, with due date of XX/XX/19. 
On XX/XX/19 I received written confirmation by XXXX, relationship manager with Ocwen that modification would be upheld by PHH when {$XXXX} was received. 
OnXX/XX/XXXXXX/XX/19 my loan with Ocwen was transferred to PHH Mortgage. I was informed by PHH that they did not have access to my financial records or notes on the account until XX/XX/19 due to the transfer of service provider. 
I was required to pay one additional payment to complete the trail payment for completion of permanent modification. Total number of payments under trial payment period was 3. Two of the payments were made XX/XX/19 and the third payment of {$XXXX} was mailed on XXXX  by my personal checking account sent to PHH at their XXXX mailing address. After 14 days, I contacted PHH and was told the payment was not received by them. I placed a stop payment on my personal account and resent a cashiers check of {$XXXX} through XXXX XXXX XXXX XXXX XXXX and mailed using USPS Priority Mail with tracking number included. I confirmed with USPS that my payment was received on XX/XX/19 at XXXX XXXX  in XXXX post office and was picked up by an authorized mail courier. PHH denies ever received or crediting my payment sent via priority mail. 
After phone conversations with a PHH manager on XX/XX/19 was made and manager agreed to take a phone payment using my personal checking account. OnXX/XX/19 payment was withdrawn in the amount of {$XXXX}. 
On XX/XX/19 I received the original payment of {$XXXX} back to me in the mail along with letter saying it was not sufficient to bring account current. 
My home is now in forclosure but no date of sale has yet been assigned. My due diligence was made in every way to make the agreed payments but have not received any assistance by PHH. 
I was informed by my credit union where cashiers check was purchased that they can not refund the missing {$XXXX} until after a 90 day claim waiting time. 
It appears to me that PHH wishes to foreclose on my property rather than fix the issue of missing payments attempted to be made by me. I offered to pay over the phone for entire amount due or even do a wire transfer to them. Both of these options were denied by PHH. I was informed only a check mailed to the XXXX USPS would be accepted and I have until the last day of XXXX to make that payment. I have confirmed with a supervising customer representative at the USPS XXXX that the zip code I mailed to is specific to PHH and a courier signs for all pick ups from that location. The USPS supervisor also explained they have many, many complaints of payments not being credited or received by PHH/XXXX XXXX  processing center. 
I can not take the chance of attempting to mail another payment since past history shows there is a significant issue in mail delivery to PHH.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was in a chapterXXXX bankruptcy the liens was released and the vehicles were salvaged. I request that the dept be discharged also i have a court order from the XXXX asking for forbearance untill XXXX.