23daVinci/CFPB_Complaints huggingface dataset:
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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, credit repair services, 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. 

FOR EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I obtained a loan for solar panels from Solar Mosaic via the selling agent, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. To this day the system has either not worked at all or not properly. I e continued to pay the loan while working with the installer to fix, replace, remove the system. Im XX/XX/XXXX the installer went out of business and filed bankruptcy, leaving me owing {$40000.00} with nothing to show for it. 
I reached out to Solar Mosaic on several occasions asking for loan modifications, freeze the loan, or any other assistance. Ive been told no in no uncertain terms leaving me with no option but to stop making the payments. 
I dont want to ruin my credit but I cant continue to pay for a system that doesnt work. 
The NC state attorney general has opened an investigation into the installer including fraudulent sales practices of XXXX XXXX XXXX and the loan companies that financed their panels. Im asking for relief, assistance, help of any kind to come to a peaceful resolution that doesnt ruin my own credit. I appreciate any and all help you can provide. This is a LONG story but Ill go through it with anyone who wants to listen. 
Thanks. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted Wakefield and Associates regarding my debt. I asked him what the debt was for and they stated that it was for an emergency room visit from the doctor. But they did not have the doctors name or the hospital name. They told me to contact my insurance company. I did contact my insurance company and ironically, I had a doctor visit on the same date. However, this was approved by my insurance company and was paid for. Just for good measure, I contacted the doctor just to make sure I didnt have a balance which she stated I did not. So I have no idea what the stat is for. I opened a dispute but was told that the debt was accurate. I appealed that dispute. The appeal also came back as the dispute is accurate. I have been trying to contact XXXX, but no one seems to be able to help me. I have also contacted Wakefield and associates several times. And they are no help either.
Product: Student loan

Student Consolidation Loan started with XXXX XXXX in XXXX. XXXX XXXX took approximately XXXX year to process XXXX separate student loan consolidations ( XXXX for myself, and the other for my XXXX ). When the consolidation loans were final processed, XXXX XXXX went out of business and moved everything over to American Education Services. When American Education Services ( AES ) processed the loans, they were processed as a spousal Student Loan Consolidation on XX/XX/XXXX. Upon identifying the error, I attempted to work with AES without any definitive response until XX/XX/XXXX. Every year thereafter through XX/XX/XXXX, I attempted to resolve the issue to no avail. The error has NOW been identified and acknowledged to be an error, however AES is unable to determine a solution. 
Separate from the loans being erroneously processed as a Spousal Student Loan consolidation, and perhaps more important, it was determined that the erroneously processed Spousal consolidation was done AFTER Spousal consolidation loans were allowed ( Ended XX/XX/XXXX ). 
Now that an AES supervisor has identified the error, no one with authority will call me back or even speak with me directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update the following items immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BankruptcyXXXX XXXXXXXX BankruptcyXXXX XXXX BankruptcyXXXX XXXXXXXX
Product: Debt collection

Have been calling non stop for months. 
On XX/XX/year> I received a call from my mother in law stating that someone contacted her from their office. 
I called them back to get info about the account/collection and spoke to XXXX XXXX XXXX if that'sreally his name, because I was hesitant about their validity in the matter. But they would only give me the current debt holder and how much they were charging and not the original creditor or amount. They were threatening to sue and send to court, so I enquired about a payment plan.

But he just pretty much said he could only negotiate a lump sum payment?!

I said I would get back to him when I figured out my budget ... A little later I received a text feom my brother in law stating the same thing from the XXXX XXXX. So I decided to call them back to ask them to stop harassing my family members about my account, but they didn't answer, I assume it was after hours so I left them a message about it. 
XX/XX/year> He calls again stating he is returning my phone call. So I asked him to please stop contacting other people about my account and that they should only be speaking or contacting me about it. He tells me that he is not a debt collector and he is not contacting anyone about my account. I tell him this is the phone number my family members gave me to call so clearly you are contacting them. I tell him it is against the law for you to continue to contact others about my account if I ask you not too. 
He proceeds to get ugly with me and starts yelling and cursing about how I better pay or their going to send me to court. I just said ok, ok, I'm going to report you now and I hung up on him. So here I am reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( Transunion, XXXX, and XXXX  ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is hinderance in applying for new credit, housing, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I XXXX, XXXX have no contract / agreement with Midland Credit management. They created this account with out my consent and this is identity theft. The Attached document clearly states the Original Creditor is XXXX XXXX XXXX XXXX and I didn't agree to a contract with them either. I formed an agreement with XXXX XXXX which was paid in full when I Indoresed the consumer Credit Contract which is an instrument pursuant 16 CFR 433.1. When I Indorsed the Instrument a purchase money loan was submitted and I the consumer should have received to handle this matter but I never did. Pursuant to 12 U.S.C. 24 Seventh clearly states banks can't hold Securities nor does it say anything about lending out credit anywhere In the whole code. Banks aren't allowed to lend credit and that has been ruled on many times by the Supreme Court. 

If Midland Credit Management can Produce a Valid contract between XXXX XXXX and Midland Credit Management stating I agreed to pay any alleged debt please prove your claim. If you can't prove your claim you don't have one. " When no guarantee is made, No guarantee is given. '' There is no obligation to fulfill any contract that an individual has been forced, coerced, threatened, or fraudulently made to enter/ take part in by any means. There must also be full disclosure of the obligations and effects within the contract unless the one receiving the benefit of the contract waives the right to full disclosure ( of their own free will ) Contract must have - Consideration - meeting of the minds- must not be of unsound mind - offer and acceptance
Product: Debt collection

This debt was paid off Last year with XXXX XXXX debt collection agency, I do not have any outstanding balance on this account.
Product: Credit reporting or other personal consumer reports

I feel my information has been exposed within the database breach.
Product: Debt collection

Our main complaint is over ( a ) how XXXX company handled a case for which we owed NO DEBT ; and ( b ) how Diversified Consultants Inc is constantly harassing us to pay a debt that we do not owe. 
We signed up for a phone contract, paid a deposit and within a few days we cancelled the contract over the telephone and the CSR advised me to not accept the phone upon delivery. The deposit was refunded to us as the CSR advised. Shortly after this, we received a bill of {$190.00} from XXXX. We called another CSR explained that it was a mistake and that we should disregard the bill. A month later, another inflated bill arrived and we called XXXX again. We were told the same story again by another CSR. We continued to receive at least another inflated bill. In late XXXX we called XXXX for the fifth time and yet another CSR and a project supervisor confirmed that the bill was sent in error and that we did not owe any monies. We received a confirmation email telling us that the handset was returned and that " a credit card refund for the returned device '' would take effect, and also that " the XXXX on the account '' had ended.Handset Order Reference : XXXX. Two weeks later we received a letter from a debt collector DCI informing us that we owed {$190.00}. Given that we have NEVER used this phone, nor accepted it, and that we cancelled the contract as advised by a XXXX CSR, we are being harassed for debt that we never ever owed. We have contacted both XXXX and DCI and were advised that our case was closed with XXXX XXXX and handed over to a debt collector. The fact that this even occurred after our numerous attempts to reach both XXXX and DCI is absolutely appalling. We are complaining against both XXXX and DCI for their false debt collection, poor handling of our case, and constant harassment and stress for something that we should never have had to face. We also have evidence of the credit refund from XXXX indicating that the contract was cancelled in time and never used. And we have an email confirmation from XXXX confirming that the handset has been returned. How is this even possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted tall XXXX credit bureaus to have them fix my credit score. I have XXXX good payments and I am at a XXXX! I am supposed to be in the XXXX range. XXXX is totally inaccurate! I ask that this be fixed immediately.
Product: Debt collection

CENTRALPORTF is claiming that I owe them {$3500.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX  XXXX {$300.00} US DEP ED XXXX {$23000.00} XXXX XXXX  XXXX {$1000.00} US DEP ED XXXX {$1700.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX   XXXX {$0.00} XXXX/XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$840.00} XXXX   XXXX  XXXX {$65.00} XXXX  XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

My original mortgage was with XXXX and was sold to Shellpoint. I was unemployed due to a wrongful termination from work. I was granted a forbearance by XXXX in XX/XX/XXXX. I was to start work XX/XX/XXXX but Covid-19 prevented that. With Shellpoint I asked for and was granted a Covid forbearance. Now that my forbearance is over I was told that if I paid the 6 payments I missed before the Covid forbearance then and only then can I apply for a modification or deferment of the missed payments during Covid. I can never get in touch with my representative except through email. She has been pressuring me for over {$10000.00} but never explained clarity on the situation. Now after speaking to others at Shellpoint and NEVER a supervisor even though I have asked for one, I am being told that even if I make the 6 back payments I will not be granted a deferment or modification because I was 30 days past due on my mortgage before the Covid forbearance started. I am just being told this information. I am told the only thing i can do is to sell my house before they foreclose on me. I am working now and just want to start making my payments and keep my house.
Product: Debt collection

I am writing you in response to the medical that was submitted to my credit. regarding the alleged debt referenced above. I do not acknowledge this debt and am requesting that you provide validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information : 1. The name and address of the original creditor.

2. The account number and amount of the alleged debt.

3. A copy of the signed agreement or contract that proves I am responsible for this debt.

4. A detailed payment history, including any fees or interest added.

5. Proof that you are legally authorized to collect this debt in my state.

Until I receive this information, I request that you cease all collection activities, including reporting this debt to credit bureaus. Any attempt to collect without proper validation violates my rights under the FDCPA.

If you can not provide the requested documentation, I expect you to remove any negative credit reporting and cease further collection attempts.

Please respond within 30 days of receiving this letter. All future communication regarding this matter must be in writing. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/2024 Re : Letter To Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 

Here as follows are items in error : XXXX XXXX XXXX Account number : XXXX I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions.Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX along with an online public press release, including documentation of any potential small claims action. 

* Please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter, XXXX XXXX
Product: Student loan

I have requested a full account of all of the payments I have made against this loan and Navient was not able to provide. This is a loan that was taken out in 2001 and the original loan amount was for {$7600.00}. I feel as though I was pressured into getting the loan and even though I did n't not complete the program I was still obligated to pay the full amount. I owe more now that what the original loan was for, I feel like this was predatory lending and would like some kind of resolution but Navient has not been willing to assist.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act convergent Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It 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 XXXX account under an open end consumer credit plan as late for XXXX and purpose.