23daVinci/CFPB_Complaints huggingface dataset:
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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 XXXX  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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, XXXX, and XXXX for their refusal to correct inaccuracies on my credit reports. As a victim of identity theft following several data breaches, including XXXX, I have been severely impacted by these issues. 

Despite submitting proof of my correct name, the bureaus continue to list my name incorrectly as " XXXX XXXX '' and even " XXXX XXXX '' on several fraudulent accounts. I have repeatedly requested they remove these inaccurate names, yet the bureaus persist in showing them as also known as names on my reports. Additionally, several fraudulent accounts opened under these incorrect names remain on my reports, damaging my credit
Product: Credit reporting or other personal consumer reports

I paid off a credit card from XXXX XXXX XXXX XXXX after they filed for Garnishment of my bank account. I paid in Full and it is still showing past due and amount owed, which is showing up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an accident rendered my car a total loss. I was in the 4th year of a chapter XXXX bankruptcy at that time. In XX/XX/XXXX payment of the total loss ( roughly {$8100.00} ) was remitted to Prestige, the lien holder. When I called to verify the payoff in XXXX, they denied having it. Under my chapter XXXX plan, the amount owed ( roughly {$6000.00} XXXX was less than the payment remitted to them. Shortly thereafter, Prestige initiated a GAP claim without my knowledge for the amount of the loan which would have been due outside the bankruptcy. They provided all information requested to that company. When I became aware, I questioned them about it and in XXXX they allegedly canceled the GAP claim. I don't know if this is true, but they would have been paid again if not. If it was legal to proceed in this manner, why did they not receive compensation and leave me alone? In XXXX, they requested to be removed from the bankruptcy provisions and to be allowed to accept the payoff. It was granted, months after accepting/holding payment for the loss. To date, they are reporting the account as open with a balance of {$11000.00} with a payment made in XX/XX/XXXX. This is all false. How are they able to circumvent the chapter XXXX, file a claim using my personal data, keep the money and still claim the original amount while reporting on my credit bureau reports?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXXl is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Mortgage

Hi. I have a existing loan with Caliber Home Loan and they have send me flyer to low my interest rate with no closing fees if I refinance with them. I started my process and was able to bring another loan to Caliber. I was promised to close by end of XX/XX/2020. My loan consultant was change, then customer service was getting worse. They were not returning phone call or email. I summited my loan as primary and I provided whatever was needed to consider this as primary. They kept on asking me one thing after another. They basically were thinking I was lying. Long story short- now it is almost 4 months. 2 weeks ago the underwriter want the appraisal changed and we went and change it. I thought that was the last thing. I called the customer service and confirm everything and he mention my loan was approved as primary and we wont have any problems. I got a call from loan consultant after 2 hours saying my loan is not approve and appraisal was not over turn. I was pretty much like someone just told me something else. Next day XXXX my loan processor called and said your loan is approved as primary and we want to schedule signing. She even mention my loan consultant made a mistake. My loan process and I work all day to set up signing in 2 days. Next day my loan consultant calls me again and said loan is not approved as primary. A day before my signing. At this time I was just super XXXX. I got on the phone with her manager and he was no help. ( I have emailed and called him several time but that guy always ignores me ). I went up to CEO and filed a complain. couple other managers got involved. We solve this situation out on Saturday after having a conference call. I was given a closing estimate and I made a decision on that. Monday I got the final discourses and they were charging me additional $ XXXX to whatever they send me couple days ago. Their respond was that it was mistake. I said AGAIN. I have wasted my 4 months with this company. This company is the worst customer service I ever being through. I regret closing my other loan with this company. I have all the proof where they have quoted me approval and pricing and how they came to me and change it. Very unprofessional and unexperienced people. Shame on Caliber to have people like working for them and giving customer so many different wrong information. I would like CFPB to look into this matter and hold Caliber Home Loan reliable. Financials institution just cant reply wrong information so many times to same customer. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for Removal of Sold Charged-off Accounts from Credit Report I am writing to address a significant concern regarding the reporting of sold charged-off accounts on consumers ' credit reports. It has come to my attention that LENDING PT has been reporting charged-off accounts on credit reports even after the debts have been sold to third-party debt buyers. This practice not only violates consumer rights but also disregards established federal laws and regulations governing credit reporting. 
Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to accurate and fair reporting of their credit information. The FCRA mandates that information reported on credit reports must be complete, accurate, and substantiated. Furthermore, Section 623 ( a ) ( 4 ) of the FCRA specifies that if a debt has been sold, the original creditor must update the account to reflect that it has been sold and is no longer their responsibility. 
The reporting of sold charged-off accounts on credit reports violates the FCRA in the following ways : Misleading and Inaccurate Reporting : Reporting charged-off accounts as if they are still owned by the original creditor is misleading and presents an inaccurate representation of the consumer 's creditworthiness. This practice violates the requirement for accurate and substantiated reporting. 
Failure to Update Account Status : Failing to update the account status to reflect that the debt has been sold and is no longer the responsibility of the original creditor violates the FCRA 's requirement for complete and up-to-date reporting. 
Additionally, it is important to note that the Fair Debt Collection Practices Act ( FDCPA ) may also be applicable in this situation. The FDCPA sets guidelines for debt collectors and prohibits unfair, deceptive, or abusive practices in the collection of debts. Reporting a debt as if it is still owned by the original creditor, when it has been sold, could be considered a deceptive practice under the FDCPA. 
In light of these legal violations, I request that LENDING PT takes immediate action to rectify this situation by : Removing all sold charged-off accounts from consumers ' credit reports : All accounts that have been sold to third-party debt buyers should be promptly removed from the credit reports of affected consumers. This removal should include any associated negative remarks or comments. 
I expect Lending to comply with these requests within 15 days of receiving this letter. Failure to do so may result in legal action seeking remedies available under the FCRA and other applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX, XXXX and TransUnion the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action..Inaccurate Addresses : XXXX XXXX XXXX XXXX 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 did not receive any paper work at all it just appeared on my credit report from cavalry portfolio services so I contacted them and they said they were trying to collect on a dept from XXXX  years ago I said I never received anything from them so they told me it was given to XXXX XXXX XXXX witch I've made multiple phone calls to with new help I finaly made XXXX last call to them and spoke to a XXXX XXXX and he's said he was going to send me information on this its been XXXX weeks haven't received anything yet I made several calls back finaly got in touch with him his response was he forgot and I said that's not very professial seeing I'm trying to resolve this he said sorry and would get right on it so as of XXXX  XX/XX/2024 I have not received anything I made a call today asked for him and the man I spoke to said he's never heard of XXXX XXXX and if this is from XXXX years ago how is this thrown on my credit report now don't make sense and now my credit is destroyed and I need help here thank you
Product: Debt collection

Convergent Outsourcing is attempting to collect on an account that I have no knowledge of and that I have already reported to the credit bureaus as not being my account. I have contacted them asking that they validate not verify the debt that they are attempting to collect from me and derogatorily reporting on my credit reports. I specifically requested signed contracts or other supporting documentation, the only thing that I keep receiving back is that the account has been verified which does not prove that I am obligated to pay them anything which is not the truth because this account does not belong to me. They have reported delinquent information to the credit bureaus since XX/XX/2016 I am asking be deleted.
Product: Credit reporting or other personal consumer reports

I have requested that XXXX and XXXX review the account from XXXX XXXX the account on my credit report was reviewed and updated from XXXX, XXXX and transunion show two different payment history on the accounts, I want these accounts removed, according to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). this account is't promoting accuracy and fairness because it's reporting wrong and conflicting information from both credit agencies, I do intent to sue if this isn't removed from my credit report.
Product: Debt collection

On or around XXXX I opened a XXXX Phone account on or around in XXXX I closed the account the contracts are only 2 yrs long then month to month after Jefferson Capital is reporting on my credit report that I opened an account in XXXX and that the account is open This negative remark is negativity impacting my credit I have communicated multiple times throughout several years with Jefferson Capital that this is not true by phone XXXX They also report an amount of {$670.00} on my credit Then in a letter report the amount {$330.00} would satisfy my debt This company does not have the ability to show any of the information they are reporting This company has created irreparable harm to my credit impacting my ability to obtain employment and housing. 
By intentionally reporting new open accounts with high balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management placed a negative debt tradeline on my credit on XX/XX/2021. This is a collection debt that was purchased by Midland Credit Management, but they keep applying it each month, as if I've agreed to pay it, or as if it's an open credit debt. From my understanding, a debt creditor is only allowed to put a negative tradeline debt collection on my credit reports once. They are reporting it as new on my credit every month and it has greatly affected my credit. Over the last 6 months they keep submitting it to the credit reporting agencies as a new negative tradeline. 

The most current negative mark from Midland Credit, is XX/XX/2021. 

I have not received any letters from Midland Credit Management. Nor have I made any agreements to make payments with them, or opened an account with them.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against LVNV Funding, XXXX and Resurgent Capital Services for reporting invalid and unlawful accounts on my credit report. These accounts are in clear violation of the XXXX XXXX XXXX, as they exceed the Texas XXXX of Limitations for debt collection. Texas law prohibits any collection activity on debts beyond XXXX years from the date of first delinquency. Despite this, LVNV Funding and Resurgent continue to list these accounts as open collections, which is both inaccurate and unlawful. 

Furthermore, it is unclear who actually owns these debtswhether it is LVNV Funding or Resurgent Capital Services. Neither party has provided any proof of legal authority to collect on these debts. I am formally requesting documentation, including all signed contracts, demonstrating their legal interest or assignment of these accounts. 

Additionally, LVNV Funding and Resurgent have a history of falsely claiming ownership or interest in debts, as demonstrated by previous court cases : - XXXX XXXX LVNV Funding, LLC ( XXXX ), where LVNV falsely claimed ownership of a debt they did not possess. 
XXXX XXXX v. LVNV Funding, LLC ( XXXX ), where similar false claims were made. 

Given this history, I am concerned that such practices XXXX be occurring in my case. Therefore, I am requesting the immediate removal of these accounts from my credit report. If this issue is not resolved promptly, I will pursue legal action under both the XXXX XXXX XXXX and the Fair Credit Reporting Act ( FCRA ), which provides additional protection for consumers against inaccurate credit reporting and provides damages of up to {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUION violates my consumer right to privacy under the FCRA,15 USC 1681 ( a ) ( 4 ), TRANSUION willfully causing me harm and mental anguish by reporting invalidated accounts information on my consumer report without my written instructions and consent as mandated under 15 USC 1681b ( a ) ( 2 ). 
TRANSUION never provided me with a notice of negative information in writing as mandated under 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 15 USC 1681s-2 ( 7 ) ( B ). My federally protected right have been violated in multiple counts, TRANSUION is intentionally, willfully and knowingly ruining my reputation and my credit. ( Please see attached filed for more details )
Product: Debt collection

This Not A Duplicate. The Requested Documentation From The Five Unanswered Questions Below Has Not Been Received.

Dear Eastern Account System, Re : Validation Of Debt ( 15 U.S. Code 1692g ) To Whom It May Concern, This is XXXX XXXX ; I'm writing to formally request a validation of debt 15 U.S. Code 1692g. Again, I hereby request copies of the following : 1. Contract 2. Payment History 3. Insurance Claim 4.Chain Of Title 5. Signed documents between Eastern Account System and myself, XXXX XXXX, confirming a balance is owed. The information requested to validate this debit has not been received from prior requests. Too brief you, the only document recieved from Eastern Account System is a XXXX bill that's not mine. Again, there's five unanswered questions that Eastern Account System failed to provide the documentation for.

Please provide documentation for the detailed list below.

1. Please provide proof of the contract with XXXX XXXX, guaranteeing to pay Eastern Account System a sum of {$490.00}.

2. Please provide proof of a detailed list of the history of payments made by XXXX XXXX to Eastern Account System, on this made on this account 3. Please provide proof that no insurance claims have been filled on this account.

4. Please provide proof that Eastern Account System has the Chain Of Title to collect on this debt.

5. Please provide proof of any signed document between Eastern Account System and myself, XXXX XXXX, to validate this collection. 

In closing, if such documentation is not provided within 30 days, I will deem this collection fraudulent and promptly request its removal from my credit file. 

Best Regards, XXXX XXXX
Product: Mortgage

Ditech continues to bill for PMI past the date of automatic termination.
Product: Credit reporting or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the balance, status of account, the date last active is inaccurate, and date last reported is not accurate. They also aren't providing me with an updated credit report. ( XXXX & XXXX ) This ground for removal they also violated my rights under 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

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. App. XXXX XXXX Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company MIDLAND CREDIT MANAGEM, XXXX, XXXX, MIDLANDCRE and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )