23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We hold a mortgage with Ocwen since XX/XX/XXXX. Our insurance payment is part of our escrow and was due on XX/XX/XXXX. The payment was not made to our Homeowners Insurance company by the due date. I have received a notice from my Insurance company informing me of the missed payment. While on hold to speak to someone at Ocwen for over XXXX minutes, I set up an online account and looked at the history. On the website for Ocwen, it shows a payment made to the insurance company but they did not pay them even though it shows paid through XX/XX/XXXX. Once I finally got an agent on the phone, she could see our escrow account, see that my insurance company was set up and correct, and that the payment just was n't made. The insurance agent at Ocwen tells me that the way my loan was set up it was set up to pay the escrow for taxes only and not insurance - even though they had all the insurance information! This is unacceptable for a mortgage company who handles escrow accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened XX/XX/2019 with Capitol One Bank. The address attached to the account was in XXXX, Texas. I never lived in XXXX, Texas. I never opened an account with Capitol One. 
My sister recently placed me on her accounts as an authorized user and neither of us ever lived in Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX XXXX  # XXXX -CREDIT COLLECTION SERV # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX continue to report an alleged debt that is inaccurate. 

Medical debt that does not exceed {$1000.00} can not be reported. 

The reporting agencies must maintain 100 % accuracy and this account does not meet those standards. 

Date Opened : XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection Medical Subject has not satisfied debt. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX CERTIFED SVC ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX XXXX
Product: Debt collection

Midland credit bought a debt. They are telling me I was served XX/XX/XXXX. They served my exhusband. I was never notified about the collection until they started gernishing my paycheck in XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and account status. I believe it was reporting in error. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$9600.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$3500.00}.
Product: Student loan

XXXX XXXX XXXX / Navient I would like the following amounts Be removed from all 3 credit agencies immediately. I am in the process of buying a home and this is stopping me from obtaining credit. The original loan dates are XXXX XXXX 2011 in the amount of XXXX / XXXX XXXX 2011 in the amount of XXXX in which according to the SOL in Ohio is 6 years. I would like for this to be removed from my credit reports as soon as possible.
Product: Money transfer, virtual currency, or money service

I filed a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices which violate the Consumer financial protection act ( CFPA ) Cash App failed to take timely and effective measures to prevent address fraud on their platform leaving my account vulnerable and unprotected. Their dispute process is unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E.these actions have cause financial loss on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several store cards and one general credit card with Comenity Bank ( now Bread XXXX ). I have paid them all on time and some in full or down substantially over the last few months. Comenity has not reported any of my on time payments nor the correct balances since XX/XX/2022. All of this would be impactful to my credit score as I am looking to buy a house relatively soon. I would like them to accurately reflect my payment history and balances. I called to get a balance letter for one of my accounts and they told me ( as they have others ) they have had system issues. I can understand a one month issue maybe two but now we are heading into XXXX which would make this the 4th or 5th month with inaccurate reporting. It is unacceptable and they need to do better.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial are reporting wrong information on all my credit reports, in the month of XXXX XXXX they report a late payment of 30 days and then on XX/XX/XXXX they report a 90 days of late payment. HOW CAN THIS BE POSSIBLE??? 
See attachments I DEMAND RIGHT NOW ASAP THAT THIS ACCOUNT TO BE REMOVE FROM MY CREDIT REPORT DUE TO FALSE AND MISLEADING INFORMATION. 

Also Ally Financial sold this account to XXXX XXXX  XXXX with all my personal and confidential information like SSN, NAMES, BIRTHDAY, ADRESS etc etc. 
The FCRA prohibit all of this, check The FCRA sections 604, 609, 611, 613. 

Since the year XXXX I am requesting copys of the receipts that shows for how much Ally Financial sold this account to XXXX XXXX XXXX with all my confidential information. 
Till this day Ally Financial are not cooperating with my person and have not send the requested receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely concerned about XXXX's massive failure to safeguard my personal information. In addition, the entire system of credit reporting and security in this country needs to be overhauled. It is ridiculous that I have to pay a $XXXX fee to freeze and unfreeze each one of my credit reports. What's more, these credit bureaus don't even consider me a customer. They should charge the potential lenders the fee, not me. If you made this simple change to the laws, then this would cut down on 99% of the identity theft. Currently, it doesn't cost the thieves anything to make unlimited attempts to steal my identity. But if they were forced to pay $XXXX to attempt to access a credit report, it would cut down that activity significantly.
Product: Credit reporting or other personal consumer reports

BEEN SEEING THESE FRAUDULENT HARD INQUIRIES EVERYTIME I WAKE UP. 
PLEASE SEE AND CHECK POSSIBLE ACTIONS TO MAKE THESE PERMANENTLY REMOVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Amount {$750.00} Date opened XX/XX/2020 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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: Student loan

In XXXX of XXXX received a scholarship award from my XXXX  school the XXXX XXXX XXXX XXXX in the amount of {$25000.00} to be disbursed in three parts ( {$8300.00} ) over the period of three years. My XXXX  school paid the first two parts with no problem in XXXX of XXXX and XXXX. However, my XXXX  school then wrote a check for the third and final disbursement of {$8300.00} on XX/XX/XXXX and it has yet to be credited to my account after almost a year. MOHELA cashed the check, but never credited the money toward my loans. I have been on the phone with MOHELA for XXXX hours in order to resolve this issue and nothing has been done. After speaking with a supervisor from MOHELA the issue appeared to be based on the fact that my XXXX  school ( XXXX XXXX XXXX XXXX XXXX ) did not put my account number on the check. I rectified this issue almost right away ( in XXXX of XXXX ) by faxing over a document to MOHELA which contained the correct account number. I have also contacted my XXXX  school numerous times and they have been of no help. They stated since the check has been cashed, there is nothing they can do. I have scheduled times to speak with a supervisor over at MOHELA and while they have escalated the issue nothing happened. Furthermore, as of XXXX of XXXX MOHELA is no longer my loan service provider and now XXXX has taken over. So now why I attempt to call MOHELA, they will not help me any further since I no longer have an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this inquiry, please remove. 

XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : I want the CFPB to publish this description on consumerfinance.gov
Product: Credit reporting, credit repair services, or other personal consumer reports

Unjust Enrichment through Mass Cross-national Corporate Espionage Embezzlement of Private Financial Data using False Alarm channeled through a Federal Office. 

I now see no indication that there was an OPM data breach. What I now detect are false flags implemented to grift American Citizens into handing over financial data, including social security numbers, and credit rating control to a foreign actor. 

They used then Representative XXXX XXXX XXXX 's office to influence the public to do this. 
He sent a letter to that effect on XX/XX/2015. On that day I raised consternations about the OPM data breach events and XXXX XXXX 's suggestions back to the representative 's office. I detected XXXX to be a 'person of interest ' or organization of interest related to that hack. Ever since this occurred, I have personally been de-addressed, de-represented, and de-matriculated from the financial system, this includes not being provided a replacement social security card, and not having my claims to Congress treated by any member therein,. 

XXXX XXXX is now a senator, and XXXX turns out to be Experian, XXXX, one of the three major credit reporting agencies. It is a company headquartered in XXXX, not Texas, and led by persons who are not American Citizens. XXXX is not a part of the United States of America, and citizens of XXXX are not American Citizens. There status as a credit rating agency for American Citizens is a breach of Sovereignty and an absolute violation of the Declaration of Independence and other organic laws of the Union. Experian XXXX of XXXX masquerading as XXXX of Texas obviously exploited the reports of OPM data breaches ( whether they occurred or not ) to influence a member of Congress ( XXXX XXXX ) to then influence his constitutions to enrich Experians corporate database so that Experian could operate as a credit rating agency empowered over Citizens of the United States of America. This is racketeering, influence peddling, corporate espionage, and a hand-off of financial power from citizens of the United States of America to foreign nationals on an individual basis. 

See attachment. 
This complaint also filed as FTC Complaint Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Equifax XXXX XXXX XXXX XXXX XXXX XXXX I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.

The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! 

The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 

Below is a summary of the data in which I am challenging : Personal Information for Equifax NAME : XXXX XXXX XXXX XXXX Can you please delete any names in your system that don't match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX XXXX XXXX XXXX Yours Truly, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
Product: Credit reporting

On my credit report both trans union and XXXX both have XXXX of the same thing on my report ..they are hard inquires for the same car some are done on the same day..I bought a car in XXXX XXXX ..there are XXXX hits for that XXXX car?? Should n't there only be XXXX? Also I bought another car XXXX XXXX there are multiple hits for that same purchase done in the same week.. Please advise me on what I can do if I can do anything?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold a property at XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX on XX/XX/2018 to XXXX XXXX and wife XXXX XXXX. XXXX XXXX XXXX provided a payoff for {$53000.00}. The CD, Title and Deed were signed by me to complete the sale. 

Now as of XX/XX/XXXX I have a new trade line on my credit from PHH Mortgage  showing the account is 180+ days past due. 

This property was sold nearly a year ago. I need this removed from my credit at once. Attached is the CD from the sale along with a verification from XXXX showing a zero balance owed.
Product: Student loan

I have never applied for or taken a private student loan. 
Navient has 11 of my FFEL student loans. They are claiming they are private loans. They refuses all my requests for repayment options, forbearance, and deferments. I've shown them several times these are federal loans that appear in the NSLDS. They refuse to listen. 

I need help with Navient.
Product: Debt collection

LETTER1. 
DELIVERED ON XX/XX/2021 AT XXXX. 
USPS TRACKING NUMBER XXXX. 

HERE IS A COPY OF LETTER 1. 

XX/XX/2021 Patenaude & Felix , APC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX ISSUED AS XXXX XXXX, FILE NUMBER XXXX Dear Patenaude & Felix , APC, I am responding to your contact about collecting a debt. You contacted me by mail on XX/XX/2021 and identified the debt as XXXX ISSUED AS XXXX XXXX, FILE NUMBER XXXX. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX LETTER2 DELIVERED ON XX/XX/2021 at XXXX XXXX USPS TRACKING NUMBER XXXX. 

HERE IS A COPY OF LETTER 2. 

XX/XX/2021 PATENAUDE & FELIX , APC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX ISSUED AS XXXX XXXX, FILE NUMBER XXXX DEAR PATENAUDE & FELIX , APC, A LETTER WAS SENT TO YOUR COMPANY TO VALIDATE THE DEBT, BUT THERE HAS BEEN NO RESPONSE FOR OVER 30 DAYS. 

ENCLOSED IN THIS LETTER IS A COPY OF THE TRACKING SHOWING THE VALIDATION LETTER WAS DELIVERED ON XX/XX/2021 AT XXXX, AND A COPY OF THE FIRST LETTER SENT REQUESTING TO VALIDATE THE DEBT. 

THE DEBT IS UNVERIFIABLE BECAUSE YOUR COMPANY DID NOT RESPOND WITHIN 30 DAYS. 

PLEASE CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. 

I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY. 

THANK YOU. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I NEVER RECEIVED A VALIDATION OF THE DEBT UNTIL NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft 
XXXX XXXX es
Open XX/XX/18
Amount unknown
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX  Account Number XXXX
Product: Credit reporting or other personal consumer reports

This company self financial popped up on my XXXX on yesterday I looked it up it look like a scam this is not my account I never heard of this company
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 : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account Name XXXX XXXX XXXX XXXX XXXX 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. 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 or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX