23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Checking or savings account

Force information. fraudulent. Account is not belong to me. I did not make these accounts fraudulent..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In my employment record, I worked for XXXX XXXX XXXX from XXXX to XXXX and this information is missing. Please help with adding this information as it is needed for my employment verification. 

Best, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. 

You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and XXXX XXXX XXXX ) by failing to provide transparency and accountability in your collection practices. 

The fraud accounts are as follow XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is the third time i am trying to get a response as to who called me ... they represented themselves as XXXX, mediatator for them. XXXX said they sold this debt to XXXX XXXX. Then under XXXX request I ask for this to be investigated. They said you did not provide a phone number. so this case was closed. So here is entire first complaint with phone number so this can be investigated. : : : : : :received a call from a friend today stating that XXXX XXXX her to tell me i would be receiving a lawsuit paperwork and they needed to contact me to deliver. They also called both my sons from a blocked number with same information. then a lady called me and said I was being sued and they needed to tell me to be home monday ( they had my address XXXX to receive the papers. She gave me a number to call. No company name. I called XXXX and was told to give them a number -- XXXX which i did, they had my full name and social and said they were a mediatation company and that XXXX were sueing me over a debt I owed. They said they sent a letter in XXXX last year. I said I never got a letter.. I said I had a credit card in XXXX, but it was a time barred debt. They said I had made a payment in XXXX and they had 10 years to sue me for the debt and I said they did not and they hung up on me and that they were a mediatation firm. It is my understanding that I was living in california at the time and it was a 3 year time limit on consumer debt. I live in alabama now and it is 4 years. From what I see it is time barred. I also went back in some old files and found that I had responded to Portfolio rec assoc about a XXXX # XXXX acct they were trying to collect from a letter XXXX XXXX and sent them a certified letter which they did not respond to.sent XXXX of XXXX in which they alleged that I made a payment in XXXX, which I did not and looked at my old bank records going back to XXXX XXXX. Please help. I feel that they are scamming me on a time barred debt that was sold and was a zombie debt. thanks. 

please call the phone number and find out who called me. as also per first complaint I attached a copy of correspondence sent to XXXX years ago asking for verification of debt which protfolio never responded to this. 
I understand that the debt goes on forever, but they misrepresented themselves as not portfolio assoc / but as a company that represented XXXX as a mitigation firm and would be sending lawsuit papers on monday. They called relatives and a friend.this is illegal as they can not reage a debt and try and collect in this manner. They never sent any papers. I want XXXX dollars because this is illegal. I want you to find out whose number that I called which stated all those things to me. They refused to give me any information just to expect papers that monday. the XXXX is again XXXX and was told to give them a number -- XXXX .... Please handle this appropriately as this is third time for same complaint ... 

XXXX XXXX
Product: Credit card

On XX/XX/year> I was charged a past due fee of {$28.00} dollars
Product: Credit reporting or other personal consumer reports

XXXX will not update the balance after its been paid and their accounts reflect that. First of all if it's a charge off and you send it to a collection company it should be updated to {$0.00} and paid because you don't own it nomore. Second when somebody decides to pay it update the balance ASAP to {$0.00} and paid. So if XXXX can't update all 4 accounts to paid with a {$0.00} balance they need to delete it because it's inaccurate reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX Subject : XXXX Request for Removal of Late Payment I am writing to you regarding my CREDIT CARD account number AMEXXXXX XXXXXXXX XXXX Date opend XXXX XXXX and closed date XXXX XXXX  2019. I want to express my sincere gratitude for the services I have received from and for the continued support in managing my loan. 
Recently, I noticed that my credit report shows a late payment on XXXX. I fully acknowledge this mistake and take complete responsibility for it. However, I would like to provide some additional context that I believe is important for considering my request to remove this late payment from my credit report. 
During the period in question, I experienced an unexpected event. This exceptionally difficult situation temporarily affected my ability to manage my finances properly. Since then, I have taken significant steps to ensure that all my payments are made on time, and I have maintained an impeccable payment history. 
My payment history before and after this incident reflects my commitment and diligence in meeting my financial obligations. Attached to this letter are copies of payment receipts that demonstrate my on-time payment history. 
Given my effort to maintain a good account standing and my desire to improve my credit situation, I kindly request that you consider removing the record of this late payment from my credit report. Your understanding and cooperation in this matter would be greatly appreciated. 
Thank you for your time and attention to this request, and I look forward to a favorable response. If you need any further information or additional documentation, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I recieved a call on XXXX XXXX from a company called fbcs  about a bill from XXXX hospital from about XX/XX/XXXX I know i paid this but given the age of debt i now longer have access to insurance claim or fsa records to support my claim this is the third collection agency I have been sent to XXXX XXXX complaint # XXXX and XXXX XXXX XXXX XXXX i have not been sent anything in the mail to will not send me a way to dispute I found it strange that they gave me a address that I had not lived at since XXXX when at the date of service in XXXX I lived at another address
Product: Mortgage

On XX/XX/2020 I received a notification that my credit had been run by a mortgage company, I was in the process of buying a house back in XXXX, the deal didnt happen. We are still looking for a house and we found a listing recently my wife and I were interested in seeing. We contacted our real estate agent. The real estate agent decided to call the mortgage loan XXXX XXXX XXXX from Movement Mortgage in XXXX RI and asked for a preapproval. We never spoke to the mortgage loan XXXX XXXX XXXX and requested this. We werent even sure if we were going to use this company again. The loan XXXX XXXX XXXX ran my credit without asking. I didnt even receive a phone call after. I found out through a alert on lending tree.The last time I gave permission to run my credit was in XX/XX/2020.
Product: Debt collection

LVNV FUNDING LLC XXXX {$880.00} PAST DUE ON A COLLECTION FCRA VIOLATION I HAVE DISPUTED THIS COLLECTION A NUMBER OF TIMES AND STILL COMES BACK VERIFIED
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been made in my name without my consent or authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and inquiries from my credit report. 
XXXX Accounts : XXXX. XXXX XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$270.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} Fraudulent Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED TRANSUNION ON 4 DIFFERENT OCCASIONS BY SENDING THEM CERTIFIED LETTERS TO VALIDATE AN ACCOUNT FROM XXXX XXXX AND XXXX. 

XXXX HAS NEVER RESPONDED TO ANY OF THE CERTIFIED LETTERS I SENT THEM, INSTEAD TRANSUNION KEEPS RESPONDING BY SAYING THE ACCOUNT IS VERIFIED. HOW IS IT VERIFIED WITHOUT ANY INFORMATION BEING SENT TO ME. WHAT ARE THEY VERIFYING? THIS IS AGAINST FAIR CREDIT REPORTING ACT BECAUSE YOU CAN NOT REPORT SOMETHING THAT HAS NOT BEEN VERIFIED. IN FACT, TRANSUNION HAD DELETED THE XXXX ACCOUNT WITH ACCOUNT NUMBER XXXX AND THEN PLACED IT BACK A FEW WEEKS LATER UNDER A DIFFERENT ACCOUNT NUMBER. THAT IS WRONG AND I AM GOING TO SEEK LEGAL COUNSEL IF IT IS NOT REMOVED IMMEDIATELY. 

I HAVE ALSO SENT XXXX XXXX REQUEST TO VALIDATE THE ACCOUNT ON MY CREDIT REPORT. ALL THEY DID WAS SEND ME A LETTER SAYING THIS IS MY ACCOUNT. WHERE IS SIGNED CONTRACT? TRANSUNION KEEPS VERIFYING THIS ACCOUNT WITHOUT PROVIDING ANY DOCUMENATION FROM THE CREDITOR.
Product: Debt collection

Vance & Huffman , LLC ( XXXX XXXX XXXX, XXXX VA XXXX ) is trying to collect a debt that they possibly bought from a company called XXXX , XXXX. I know nothing about this lender, debt, or collection agency/attorney. They claim they can't help and I need to report to credit agencies. They are the ones either scamming or got scammed by assuming false debt/loans. The first and only coorespondance on this matter is directly from Vance & Huffman. V & H has reported to the credit agencies, and now I have to fix this. Vance & Huffman claim that they sent over the " loan documents '' via email. These documents were never recieved. Vance & Huffman claim they have proof they were recieved which is impossible. These guys are scammers or fraudsters or else got scammed by XXXX , XXXX.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a 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. '' TransUnion is a 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 TransUnion, ( 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: Mortgage

During the Dismissal of our Bankruptcy, our Mortgage was with XXXX. They moved our loan to Sertiviced Loan Servicing.  This is when our trouble started. The company fails, over and over to answer our questions. If they write us, is just with a letter that is not applicable to our concerns. Our mortgage payments have been made on time. They have made arrangements that we are paying for without our approval. The amount owed, seems to go up instead of down. They claimed our escrow account was behind over {$3000.00}. Our escrow comes from the monthly payments. We have a 4.5 % account. We pay {$1100.00} and then when we had the problems with the escrow, they reduced the payments to {$1000.00} Does that make sense? On XX/XX/2018 the outstanding principal was {$180000.00} Now the amount owed to be able to refinance with a better, reputable company is {$200000.00} plus. No explanation given. Why a company that seems to do everything illegal to scam the consumers has not been fined, made to do something with the outstanding accounts, etc. They get away with anything, but nobody stands to help us consumers who are seniors, living on retirement as well as our young generation that keeps fighting with no solution, just like we are talking to the Wall.
Product: Mortgage

I started this loan in XXXX with a XXXX  day escrow that expired XXXX/XXXX/254. Now, they are telling me I can't even sign the papers until XX/XX/year>. I won't fund for XXXX  days after that and XXXX  days after that to get the money! I have never had that happen before. I have never had a escrow take longer than XXXX  days! 
I just got off the phone with them. NOW, because the XXXX person doesn't know what the other person talked to me about the amounts are all wrong! I am supposed to pay off all debt and get {$38000.00} in hand. Now they have to redo the paperwork and delay closing once again!
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week I stopped to buy a few food items at my XXXX XXXX in my neighborhood. I wrote a check to cover my items and included a cash back amount. 

Funds were in my account. However the cashier and her manager showed me the print out from Telecheck stating that my check was declined. 

For forty minutes I was embarrassed trying to rectify that I do not bounce checks. Everyone could see and hear me upset. 

I called my local bank but it was shortly after XXXX. I thought that someone could confirm that my funds were available. But the manager said that they could only take Telecheck XXXX confirmation and they could not override the denial. 

The manager asked me to write a second check for a lesser amount of cash back which I did. Again, Telecheck rejected the second check! The XXXX manager apologized and suggested I call Telecheck. 

Again, forty minutes is a long time to see strangers staring at you when you are trying to purchase just a few items-something from the hot bar for dinner, some coleslaw and water. It took over 15 minutes to get through a repeating, convoluted automated menu to get a live person on the phone. 

The Telecheck customer service representative denied that Telecheck was at fault and asked me to have the vendor resubmit my check. I told this person I could see the receipt and the message citing the Telecheck denial! 

A friend I had just been with for two doctor appointments was waiting this entire time in the car- I had no idea that I would be subjected to this type of treatment! 

And the company blamed the vendor! even as I saw the print out on both of the XXXX receipts! I have both of my rejected checks and one of the receipts. 

The manager explained she needed the first receipt to void out the transaction. I left embarrassed, angry and upset without my dinner and no water. Later I went to a private smaller local grocery store to get some water. 

The manager wished me good luck after she told me that she herself had suffered a false accusation by Telecheck that caused her serious problems. 

At that point I told her that I would be filing a formal complaint against Telecheck. I do not bounce checks. This denial was completely humiliating for me. Disgusting company that should not be allowed to soil peoples reputations and then lie about their behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$4500.00} XXXX {$3400.00} XXXX {$19000.00} XXXX {$3600.00} XXXX C XXXX {$2700.00} XXXX C XXXX {$310.00} XXXX XXXXXXXX {$630.00} RECEIV XXXX {$1400.00} XXXX  XXXX {$240.00}
Product: Credit reporting or other personal consumer reports

My social security number is XXXX & on my credit report it has XXXX different social security numbers attached to my account.