23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have requested contract and credit application bearing my signature and given authorization from me to publish obtain my credit profile. Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such, in fact therefore exists. 

Ive received a copy of my credit report, and you are claiming I have an account with you, or I owe you something. Im a victim of Identity theft and I have never entered any business arrangement, and I have never signed any contract to conduct any kind of business with you. Also, because you are a 3rd party collector, you have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information about me, you must get my authorization to access my credit report for any reason. You didnt do that at first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports. Heres the law in case you have never read it before. 

( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with re

spect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication.

( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person.

Now, I am also exercising my right under the FDCPA to dispute the alleged account and demand validation from you. Ill break it down very easily for you. But know this, should you fail to provide each and every thing I request from you, and dont worry, the list will be short, sweet and to the point, you will be required to cease all collection activity immediately. Notify me in writing that you indeed are ceasing and deleting all information you have furnished to any and every one of my credit reports from every single credit repository to which youve submitted this unverified and un-validated information. This is a request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature not a fraudulent application submitted on my behalf, Especially Naming CREDIT COLLECTION SERVICE as an entity entitled to enforce a commercial claim You do not conduct commerce ) against me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian about several accounts including Ally Financial XXXX, MoneyLion XXXX, and XXXX XXXX XXXX XXXX. 

I submitted a dispute for the following report accounts above. Ally has listed my reporting as late for XXXX when there are no late payments for this account this year. I spoke with an associate for XXXX who said they would remove the account because of a mistake on their end and this is still being reported. I also asked that the XXXX XXXX XXXX be fully investigated and that the documents be sent to me with the original contract from this company. If they could not provide that XXXX XXXX XXXX needed to be deleted off of my account. Experian has failed to due an accurate investigation and is still allowing these companies to report inaccurate information on my credit report. According to the FCRA Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within XXXX  days. However, a consumer reporting agency may continue to report information it has verified as accurate. 

My next step is filing a complaint with the attorney general 's office of Texas. This continues to be an issue and it's against the law what Experian is doing.
Product: Student loan

101  : Between XXXX - XXXX, 2020 ; my Credit Score, just as sure as the Government declared, the National replacement for general forbearance, the acceptance, I had no choice, about to say ; yes or no ; I talked to the Ed Finanancial Service, ; okay, I an explanation for why the, Immediate 200point drop of my Credit Score, wouldn't ( would not ) be evermore now, as sane ; or rule explainable, not ; I mean it was the only thing, i wasn't paying off- and surely surely, all my Credit notations say " good payer, ' '' so 1 ) they partially ruined, the credit but stated, there is no way they did ; so that resolved untap the world of the other Self-fettered, commentary that by XXXX  itself, yeah you know you're Score is messed- up involuntarily : so just ask for moneyback, for the XXXX  ; services ; and in. Service. 

And, now just to make sure, that this Ed Financial report doesn't go without a purpose ; for years now I have been XXXX  XXXX, XXXX XXXX and associated with XXXX XXXX and fundraiser-er and XXXX worker of 12 years as a XXXX  XXXX XXXX XXXX ; and now, then 12 Years as XXXX XXXX XXXX XXXX, and now exactly, another 12 Year supposed span from which I started the XXXX, Certification and have kept up with the XXXX ; and Professional Development, and also much ; the XXXX  partnership with the XXXX XXXX XXXX, forth which, there is not anyone yet declaring my XXXX XXXX have any sore of Applied, Acceptance by the XXXX prepay, Ed Financial without XXXX XXXX, vs. the Ed Financial notations of each and every moment ; that for years ; would suggest " GOVERNMENT PLEASE PAY OFF HER LOANS SHE ALREADY PAID OFF XXXX HER OWN!! '' Come on. I would also, like a Total refund, of which should have been immediately, refunded, for Advantage resonations ; thank you ; and anytime. Contact me, for, more info : ( and I respond, with XXXX XXXX XXXX, work and write on viewpionts and personal blogs and for Donations, do coupons. )
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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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

I set up the paper bill from BOFA 's app, but never receive any paper bill from bank of america. because of no receiving paper statement, I miss one payment in XX/XX/2020. Bofa 's app has a bug, even you have set up the bill statement to be mail, you will not receive any bill statement. I contacted Bofa, and they told me they have no error, and never investigate their application. by the way, bofa cancel my credit card even if my credit card has {$0.00} balance in this difficult pandemic time.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, consumer reporting agencies like XXXX and XXXX must treat consumers fairly and respect their privacy rights. As a consumer, I have the right to keep my private information from being shared without my consent. The Act also states that financial institutions have a duty to protect the privacy of their customers ' information. I have not given my consent to these agencies or the financial institution to share my information, so any consent they claim to have is now revoked. The Act also requires that consumers be informed of their right to keep their information private, but I was not informed of this right. Certain items of information are also prohibited from being included in a consumer report without authorization. In conclusion, I am asserting my rights as a consumer to protect my privacy and ensure that my information is not shared without my explicit consent. It is important for all parties involved to follow the regulations outlined in the Fair Credit Reporting Act. 

This account has been reported again without my consent, which is a violation of the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ), it is prohibited to provide any inaccurate information about a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, 15 U.S. Code 1681e states that every consumer reporting agency must have reasonable procedures in place to prevent violations of section 1681c and to limit the provision of consumer reports to the purposes listed under section 1681b. Unfortunately, XXXX and XXXX are not adhering to these reasonable procedures. Furthermore, as per 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. Therefore, I am choosing to exercise this right and opt out of your reporting services.
Product: Checking or savings account

I have an bussiness account with PayPal service for years I am recently subject for several measures taking against me as a XXXX from somebody I am recently subject for several measures taking against me as a XXXX from somebody XXXX in this company! 

They hold my money ( {$5800.00} US $ ) deposited to my account by my several Clients in the last 7-10 days to cover my service as a XXXX They Blocked sending my money to my bank until i gave them confidential information about my practice ( XXXX XXXX XXXX XXXX XXXX ), in especially they have my clients name, age, address... .etc, which put me in trouble disclosing my service as drug addiction treating doctor in addition they want my photo submitted to them All my practice is covered by HEPPA to protect our clients privacy and my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the addresses and jobs, and names that show on my credit report. 

I was only give one name which is XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, NC XXXX My place of employment is XXXX I have sent in proof multiple times with no update or response.
Product: Mortgage

In or about XXXX 2015 I had lost my job and was unable to make my Mortgage payments, that were roughly $ XXXXFor ten months I wasn't able to pay so I applied for a home retention loan and was approved by ( Housing and Urban Development ) .As I mentioned earlier I fell behind 10 payments.H.U.D agreed to bring my mortgage current which should've been no more than {$18000.00} since the loan was interest free.Lakeview Mortgage Company some how came up with the conclusion that I had to pay over {$62000.00} to satisfy a Partial Loan Claim.I need to know how this number ( {$62000.00} ) was come to.I never signed any documents with that amount.
Product: Bank account or service

I signed up for a XXXX checking account in XXXX XXXX with a promotion for XXXX XXXX XXXX miles after meeting the following requirements : 1 bill payment for 2 consecutive months and {$2000.00} in debit card purchases in 2 months. I met the requirements in XXXX XXXX and confirmed with a Citi representative that I have met the requirements and would receive the miles in my XXXX XXXX account no later than XXXX XXXX, XXXX. Per the terms of the bonus offer, Citi has up to 90 days from the statement end date that the requirement was met to deposit the miles. As of XXXX XXXX, XXXX I have not received the miles and have not been able to get an answer from Citi as to when the miles would be posted. I have contacted XXXX XXXX and confirmed that they have not received any miles from Citi. Citi has not fulfilled their end of the bonus agreement and I would like the miles deposited to my XXXX XXXX account ASAP.
Product: Credit reporting or other personal consumer reports

PLEASE, THESE FRAUDULENT HARD INQUIRIES ARE ALL UNAUTHORIZE. PLEASE TAKE ACTION IMMEDIATELY
Product: Credit card or prepaid card

On XX/XX/21 I activated my Citi doublecash card and added it to my XXXX XXXX. I then was not able to verify the card and was told to call Citi. I waited a few days ( now its XXXX ) and I was told they are not able to verify my identity by any means except paper pin code. Now I have a fraud alert on my card and cant use it til I get this letter in the mail. The reps on the phones are the worst and dont offer any assistance except to say " Wait for the letter in the mail ''
Product: Debt collection

This is 3rd call I received a call from a company called USCB Corporation XXXX. The first two times were hang ups but this the woman didn't say anything until I said " hello '' a 3rd time. When she finally started talking, she asked for my name. When I gave her my name she started saying " this attempt to collect a debt '' then proceeded to say it was for an online course. I told her I didn't take an online course. She says, " Yes you did, it was an online course, I said " with whom '', she says " " XXXX XXXX '' I said " I don't know what you are talking about, I didn't sign up for an online course ''. She then says " I can send you the bill, if you just give me your date of birth '' ... 
Me : " just send me the bill and I will call back to dispute it '' Her : " I'll send you the bill once you give me your date of birth '' Me : " If you have my address, why don't you send me the bill? '' Her : " JUST GIVE ME YOUR DATE OF BIRTH AND I CAN VERIFY YOUR INFORMATION AND SEND IT TO YOU '' getting loud with me. 
Me : " I'm not giving you information you should already have if this really my debt '' Her : *Hangs UpXXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I XXXX XXXX entered into a consumer credit transactions with CarMax Auto Superstores , Inc on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but CarMax Auto Superstores , Inc made me purchase insurance separately.
Product: Credit reporting or other personal consumer reports

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report. 

Pursuant to XXXX U.S.C XXXX, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in XXXX CFR Part XXXX ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the CRRG.

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

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

XXXX XXXX {$1300.00} I DO NOT AND DID NOT CONSENT TO YOU TO PLACE THIS ON MY CONSUMER REPORT THIS NOTICE IS TO CEASE AND DESIST ALL ILLEGAL ACTIVITIES WHICH INCLUDES REPORTING CONSTITUTEs COLLECTION ACTIVITIES
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>
Product: Credit reporting or other personal consumer reports

XX/XX/year> I received emails from my XXXX account saying I had new inquiries so I checked it and I had 7 new and I have no idea what they are. I dont need a new truck. I called the ones that answered and they said it was done online with my social and other sensitive information.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX PA,XXXX XXXX Account # XXXX No contract or no signature
Product: Mortgage

I paid loan in full on XXXX XXXX, XXXX. Caliber Home Loans, XXXX XXXX XXXX, XXXX XXXX, Ok.sent me on XXXX XXXX, XXXX what was suppose to be the necessary releases to get lien released and get a clear title. I submitted request to Tennessee DMV with necessary documentation provided by Caliber Home Loans. DMV returned paperwork to me showing that a lien from XXXX XXXX XXXX XXXX XXXX XXXX , Ga. XXXX was shown as lienholder. I called Caliber and was instructed to contact the release dept. via e-mail. They would not give me a phone number. A copy of e-mail correspondence is attached. My primary complaint is that I was promised on XXXX XXXX, XXXX that Power of Attorney to get lien released would be mailed that day. I can not sell or trade motorhome with the release of lien.
Product: Debt collection

XXXX and XXXX shows my account as being under dispute which means Credit Acceptance has received a notice of dispute from me the consumer/natural person. Pursuant 15 USC 1666a Regulation of credit reports, a creditor is not allowed to directly or indirectly threaten to report to any person adversely. Credit Acceptance list me as 30/60/90/120 days late on numerous accounts during disputes. Ignoring federal law.. 

Pursuant to 15 USC 1605 Determination of finance charge, the finance charge is the sum of all charges. Meaning Credit Acceptance was already paid for the vehicle so there should be no late payments or reporting of late payments. 

Also I was never notified of 15 USC 1635 Right of rescission as to certain transactions that violation terminates alleged contract..
Product: Credit card or prepaid card

I have been on hold to with Shop Your Way Sears ( aka Citi ) to suspend my payments due to Corona related income reduction for about 3 hours. Someone finally picked up and told me that if I place my card on forbearance my account will be closed. I asked how long the forbearance would be for and she told me I could not be given that information unless I was willing to close my account and that it would not be reopened ever. She then put me on hold again with dead air appearing to make it look as though I'd been disconnected. Finally, she returned to tell me I was being put on hold again awaiting talking with an account manager. My experience with this makes it clear that this credit card company is resentful in providing forbearance as the subtext of the conversation is actually a threat of forbidding future credit and making it so onerous it would be seemingly impossible to get done without and extensive time investment. I do not think it is the intention of the Care Act to treat people as bad credit risks and or make it impossible to later procure credit and require enormous effort to exercise the benefits it offers. This credit card company needs to immediately institute and easily accessible online application, complete with all details of how long the forbearance will be and how the paused payments will be handled once the forbearance is over. While writing this I finally was given a person to speak with who then told me at this point I could have my account shut down with no information on what that would mean and how it would impact me or my credit or I could call back at some future date and wait on hold again for many hours to see if their management had made decisions and made actual forbearance options available. Clearly, this company does not want to play, or comply with the spirit of the Care Act and is willing to make it impossible for people to benefit by it.