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

A few months ago I applied for credit and was denied for " too many inquiries '' I have tried multiple time to dispute these inquiries and ask that they be verified because I did not apply for credit on these dates.  XXXX ,  XXXX , and Experian continue to send me letters saying they have reviewed the information and that they are factual. After the last unauthorized inquiry was placed on my credit file a fraud alert placed on my account. This should prevent any further issues. Please see that the unauthorized inquiries with the dates provided that I have listed please be removed. Per my investigation none of these companies received my written permission to obtain my credit.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   EXPERIAN   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Debt collection

My name is XXXX XXXX, I want to start by informing you that Im a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never in life given this company any consent to be in ANY type of possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is in FACT a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce me into making some sort of payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I am a victim oXXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

as per guidance from the consumer financial protection bureau ( cfpb ) the doucument needed a letter from advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) i kindly request that block this information from my credit report within 4 business days pursuant to section 605c of fair creditreporting act. 
please delete following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/XXXX Nationstar Mortgage LLC wote to me advising that I was approved to enter into a Trial Period Plan for a Streamline Modification. I completed the trial payment plan which consisted of trial payments of {$1200.00} due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I signed the loan modification agreement before a notary public and mailed it. On or about XX/XX/XXXX I went to the Nationstar Mortgage website to make a payment consistent with the loan modification agreement but was unable to do so. I contacted NationStar Mortgage and was advised that the loan modification agreement was still being processed which was why I could n't make a payment. On or about XX/XX/XXXX, I logged on to the Nationstar Mortgage website to attempt to make a payment consistent with the modification agreement. The website stated that my loan modification was denied. I spoke to XXXX XXXX. She informed me the modification was denied because the Notary Public crossed out the co-borrower 's name. On XX/XX/XXXX I received a letter from Nationstar Mortgage stating it sent me a letter providing me with the decision on my modification review but omitted that the decision was based on the eligibility requirements of XXXX Investors. I never received any letter informing me of the modification denial. On XX/XX/XXXX, I appealed the modification denial as outlined in the XX/XX/XXXX Nationstar Mortgage correspondence.
Product: Debt collection

To Whom It XXXX Concern : I am writing this letter to dispute the following accounts : Fill in accounts you want to be disputed, be sure to add the account numbers with each account. 
LIGHTSTREAM XXXX XX/XX/year> {$7300.00} This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My husband has died and I am filing bankruptcy because of all his bills and other bills. 
Under the guidance of my bankruptcy lawyer i was told to just continue along with the mortgage payments and keep them all paid! As I have done! The finance company NEVER sent billings about 7mo after he died, i just kept paying them on the account number i had on the billings, even after billings stopped! I never received ANY mailings from them WHAT SO EVER! In the mean time I have signed the bankruptcy papers but NOT gone to court yet. Then I take it upon my self in good faith to call the finance co to see where the account stands, only to be told the account is now behind 3 months! And because I am not authorized with out being the Executor on the account they cant talk to me! So now not only do I have XXXX payments missing on their end now it will cost me {$260.00} to file for executor. They told me they cant even talk to my lawyer! And XXXX XXXX XXXX day after TRYING to get somewhere with them I RECEIVE ( XXXX ) mailings form them ALL saying the account is in default and NOW THEY want their money OR I WILL be OUT! I WANT to find out where my PAYMENTS went to! My bank verified the checks HAVE been cashed each month on the finance company 's end!!!! I have paid for yEARS to this ACCOUNT number,, but they HAVE another number I should of paid to! BUT NO NOTICES of this change ever came!! I am out my XXXX payments of over {$800.00} PLUS now court cost AND lawyer referral charges to try to get help, plus a stop payment on my next payment i WILL NOT send because they LOST the last XXXX!! And NOW I KNOW they WILL hit me with late and penalty charges and who knows what else! I live on a {$810.00} per month SS check! I find what they ARE doing IS HARASSMENT plan and simple! they have forwarded this loan unto a collection division!
Product: Student loan

This is the second time in two weeks that I am reporting Sallie Mae for their actions and complete disregard of my rights as a consumer to make decisions for my finances as needed. After multiple rounds of misinformation by Sallie Mae staff, at all levels, and a failed attempt at a loan modification with them ( mind you my XXXX payments, for which I owe a lot more than Sallie Mae, are {$12.00} ) they proceeded to add my account on " disaster forbearance '' without my permission under the pretense of " courtesy '' when we all know they are just trying to make sure that my account do not go past due because I nor my cosigner ( a XXXX patient ) can make {$440.00} payments every month. Please someone do something. My next stop will be Senator XXXX 's Office.
Product: Credit card

Throughout, I've made sure payments on this account are prompt, avoiding any overdue status. I'm puzzled by reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With fair Credit Reporting act, XXXX XXXX XXXX XXXX  has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1691 Section 604 A Section2 : also states a consumer reporting agency Can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Mortgage

I have a loan through caliber home loans and have XXXX as a payment reduction plan. 
I have made several attempts to contact caliber due to the fact that they are not paying the funds properly. Caliber pays the payment forward instead of reducing the principal of the loan. This has been going on for several years now. I call them and caliber will comply for a month or two and then go back to the same problem again and again. So I called XXXX to resolve this and have an audit performed as to insure my funds are being applied in the proper manor. Just as with me caliber keeps rotating staff so as to make it impossible to speak to a complaint person and refused to comply with XXXX to provide the nessasary documentation to allow this process to be completed. I called caliber at least 6 times and XXXX has sent repeated letters via email and even had a conference to insure that it was OK to provide this information to a secondary company for security reason. Now I 'm at the end and this is why I contact you. I have nowhere else to turn. I 'm trapped between XXXX large companies that keep placing walls that I can not get through. Caliber will not comply with XXXX even after all the attempted contacts were made and both companies have full documentation of all attempts, calls and emails that have been sent or made.
Product: Debt collection

I have attempted several times by mail, email and phone to get collection agency to validate the debt they are saying that I owe. They have failed to provide requested information, prove that the debt is mine, they have the right to collect a debt or remove the collection from my credit reports. I have sent in proof as well that the debt could not possibly belong to me and received no response or removal. 

I disagree with the account listed below which still appears on my credit report. I would like this item immediately re-investigated. I reported that this was not my account due to someone stealing my identity. Your company has yet to provide me with any agreement that I signed or anything that contains my wet signature. The investigation information you provided back was a generic cardholder agreement without any details that were requested. 

The inaccuracies are highly injurious to my credit score TRANSWORLD SYSTEMS INC/XXXX XXXX ( account number XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up.

Due to your company 's neglect in verifying someone's identity, it is hurting my ability to obtain credit. TRANSWORLD SYSTEM INC failed to investigate this account properly after I repeatedly asked/disputed information to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the account if you can not provide the agreement with my WET signature and DEFINITIVE proof that I am responsible for this account.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX # XXXX XXXX XXXX has violatet 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX  violated my federally protected consumer rights and used my identity and fraudulently opened this account and reported this derogatory account to all credit reporting agencies. They've violated my rights pursuant to FDCPA section 807 by false and misleading reporting ; 15 USC 1692D ( 4 ) just for parking the debt on my credit report trying to get me to pay it. I do not have any contract with my signature on it with this company. I've never done any business with XXXX XXXX, nor have I ever given them any of my information, so this is also a violation of my rights pursuant to 15 USC 1681A ( Q ) ( 3 ). I also never gave this company consent to report this alleged owed debt to my credit report, so this is another violation of my rights pursuant to 15 USC 1692c ( b ). I've also disputed this account with the credit reporting agencies, and it was found to be accurate by XXXX XXXX. I've requested proof of validation and XXXX XXXX provided information of another consumer who is not myself. I advised XXXX XXXX XXXX, and all credit reporting agencies of the matter and I have not received a response. I have also reported XXXX XXXX to the Federal Trade Commission office and the United States Postal Service Criminal Investigations Department for using the United Postal service to commit Racketeering and organized crime towards me. Because this debt does not belong to me, nor am I obligated to pay it pursuant to 18 USC 8 and considering that I've been violated of my rights numerous of times, I demand that you immediately delete and block this collection account from my credit report INDEFINITELY! I have also reached out to my local attorney general and will be seeking damages in amount of {$1000.00} per violation under the Fair Credit Reporting Act in addition to pain and suffering from this heinous crime.
Product: Credit reporting or other personal consumer reports

The three credit reporting agencies are having names on my credit reports that is not for me and address that I do not leave in. I have requested that it must be removed and nothing has been done. 
My name is XXXX XXXX. No other names should be in my credit report. 
my Adress is XXXX XXXX XXXX XXXX XXXX ny XXXX no other address should be in there.
Product: Checking or savings account

I have huntington bank, it is XXXX XXXX  on XX/XX/2019, their website can not be reached through any search engine!! I am very upset, I called, and they have NO CLUE, as ususal.
Product: Credit reporting or other personal consumer reports

Violation of 15 USC code 1681b ( 2 ) by Failing to Keep Creditor Information Private.
Product: Credit reporting or other personal consumer reports

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.
Product: Debt collection

National credit Adjust won't removed off of my name an account that its not mine I have try to reach this company since last year and they would not removed this information off of my name and credit report.
Product: Checking or savings account

I opened a dispute with Wells Fargo bank XX/XX/XXXX for unauthorized transactions on my debit card which was lost, the dispute agent said I would be receiving a final credit 2 business days after the items posted to account, its been over 3 months now and no credit and I have the transcripts, correspondence emails of the bank confirming the call and the credits were promised to me by the agent but they refuse to apply it to my account to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a fraudulent inquiry was made on my behalf from XXXX XXXXXXXX the same incidents occurred on XX/XX/XXXXXXXX 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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re investigation of disputed information on my credit repot, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian has neither corrected nor removed dispute items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 n accordance with the Fair Credit Reporting act 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

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

15 USC 1681 section 602 A I have a right to privacy 15 USC 1681 Section 604 A Section 2 Consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B A creditor may not treat a payment on a credit card account under a open end consumers credit plan as late for any purpose 1637 ( b ) ( 10 ) of this titlea written notice ( other than notice on a payment stub or other payment medium supplied by thecreditorif thecreditorso stipulates with the disclosure required undersection 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables thecreditorto identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) se
ts forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.