23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was not contacted about this dept or given a appropriate amount of time to dispute this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Professional Finance Co. has filed three collections accounts ( {$2400.00}, {$1800.00}, and {$1600.00} ) to the major credit bureaus against me. However, they have not contacted me in any way either by phone or mail. I attempted to contact them, but they have provided no verification of these alleged debts. They credit bureau filings occurred in XX/XX/2018. They have had plenty of time to provide verification of these alleged debts and continue to fail to do so.
Product: Debt collection

I received a letter title pre-legal notification from MIDLAND CREDIT MANAGEMENT, hereafter MCM, dated XX/XX/2024. The letter threatened me with possible litigation for an alleged debt for {$7700.00}. They demanded that I pay them no later than XX/XX/2024. I have never done any business with nor I have any contract or agreement with MCM. 

On XX/XX/2024 I responded by mail requesting a mutually signed novation contract or agreement which entitles MCM to collect on the alleged debt. I also informed that I have agreed not to work with any collection agency under any circumstances. 

MCM ignored my request to provide mutually signed novation contract or agreement and proceeded with collection activities by mail. I received another letter from MCM dated XX/XX/2024 which did not include the information that I requested. 

On XX/XX/2024 I responded by mail requesting a debt validation and reminded them about MCM ignoring my request for a mutually signed novation contract or agreement. 

Thank you, XXXX XXXX
Product: Debt collection

Over the past month approximately, I have received several phone calls from a restricted/unknown number. Each time I answered the person calling would say they were calling regarding a personal business matter and needed me to verify my personal information. 

Each time the call came in from a restricted number, I answered and I asked the caller to identify what company they were calling with or who was calling and when I asked this. They would not identify themselves, but said it was regarding a personal business matter and first needed to verify my personal information. Each time I informed them that I was not giving my personal information out over the phone unless they identified themselves. ( With 17 years working in the XXXX XXXX XXXX and knowing how scammers work, I was not giving my information to a caller who restricted their number and would not identify themselves. ) On XX/XX/2021, I received a notice from XXXX XXXX that my credit score had dropped 42 points -- that there were six new collection accounts placed on my credit report by Alliance Collections located at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, WI XXXX. I immediately called Alliance Collection Agency and spoke to XXXX. 

I asked XXXX why they did not contact me by phone regarding this debt ( from XXXX XXXX XXXX in the amount of {$2200.00}. ) XXXX said they had called me eight times and that I refused to give them my information. I explained to her that I do not give out my personal information to callers who do not identify themselves especially when they are calling from a restricted number. I also asked her why six separate hits were put on my credit report and she said because that is how the accounts were sent over, even though they are all from the same party, XXXX XXXX XXXX. ( Because they listed it as six debts despite all being from XXXX XXXX XXXX, it had a huge negative effect on my credit score that I have worked so hard to rebuild after my divorce. ) I explained to XXXX that they called from a restricted number and then would not identify themselves, so I was not giving out my personal information or verifying it because I was afraid of identity theft/being scammed. I told her I would've gladly cooperated with them had they identified themselves because I'm currently making bi-weekly payments to another debt collector for medical bills I have incurred this past year -- all these medical bills are due to XXXX XXXX XXXX and XXXX XXXX XXXX  and losing a large portion of my income due to Covid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX went to XXXX ride to cosign for a car loan and when my report came back there was an address ofXXXX XXXX XXXX XXXX XXXX, WI have never lived at this addtress. 
Also listed was XXXX XXXX and i never took out a loan.
Product: Credit reporting or other personal consumer reports

please see attached letter that was certified sent to all three credit reporting agencies. here are the tracking numbers for certified mailing to all credit reporting agencies, they have received all compliance and procedures letters and they state no longer 15 days for reinvestigations. I has been almost 30 days and the negative credit items was once removed and reinserted at 3 times in the last 6 mths with all 3 of the credit agencies it time for the CFPB to work for me and make these credit agencies take accountability of their actions and removed the two items with hesitation especially with no proof nor any investigation ... Here are the tracking numbers for each of the reporting XXXX ... XXXX ... XXXX ... XXXX XXXX..
Product: Mortgage

I had a Heloc with Greentree. That loan was paid off in XXXX of 2010 when I financed my home. I am the process of refinancing again and in the process found a lien on the property. There was never a release filed after the closing by Greentree. I have made many calls, as well as the closing attorney, handling my refinance, to Greentree attempting to get a release since the beginning of XXXX and still have not received a release. As I understand it that release notification was to be done within 2 months of the payoff of the loan and here it is 4.5 years later and nothing has been done and I am getting no satisfaction from Greentree. I have talked to many people at Greentree and I never get a straight answer from them. I asked for them to email or fax a copy of the release and they tell me they ca n't because it is in the documents dept and they take 30-45 days to process. So here we are past that time frame and still nothing has been done. This is the most unprofessional organization I have ever dealt with.
Product: Consumer Loan

We purchased a new car from XXXX XXXX of XXXX Florida on XXXX XXXX, 2015. The XXXX XXXX talked us in to taking a minimum loan of {$6000.00} from Chrysler Capital to get a {$500.00} discount. He assured us we could pay it off with the XXXX payment. The salesman and manager kept trying to get our SSN 's. We refused and only gave them to the finance person who confessed he was new and was unsure of all the conditions of the loan. He could not give us any information on payment amounts. The only information he would give us was the date of the XXXX payment. When I told him I wanted to pay it off as soon as possible he said we would have to wait for XXXX XXXX to contact us. A month later we received the first payment voucher. The voucher had the payoff amount listed. I tried to make a full payoff over the phone. The automated teller would only let me make a payment of {$2000.00}. I talked to a customer rep and supervisor. They said I could not payoff the loan over the phone and would have to mail it in, with a new higher estimated payoff amount. They could not show anywhere on my voucher where this was required. The Supervisor then gave me XXXX different addresses to mail the payment to. I told her I did not trust her directions and mailed the new higher payoff to the address on the voucher. XXXX and XXXX XXXX seem to have an operation of making up a process to maximize interest returns. I hope they credit my account before they decide to charge more interest.
Product: Debt collection

We moved out of XXXX  XXXX  XXXX XXXX in XX/XX/2020 - shortly thereafter, my husband started receiving phone calls from Rent Recovery Solutions stating that they were attempting to collect a debt on behalf of XXXX. However, I have spoken to the property manager several times and she repeatedly tells me that we have a zero balance and owe them nothing. We were mailed a final letter also stating that we owe them XXXX dollars and a refund check was included from the deposit we initially made. Why would we have gotten a refund if we still owed them money? That doesn't make any sense at all. The property manager has told me that she would take care of the issue of Rent Recovery Solutions contacting us, but unfortunately that has not been resolved.
Product: Debt collection

Have received multiple telephone calls, and now a negative listing on my credit report, regarding a payday loan for {$2000.00} through XXXX allegedly taken out in XX/XX/2013. I did n't take out this payday loan.
Product: Debt collection

Company continuously call me everyday, 4 times a day, trying to collect a debt that has been discharged in  bankruptcy. I have asked them to stop contacting me and referred them to my lawyer, but they continue to call!
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information. 
Please find my personal details below for your reference : 1. The inquiry was not authorized XXXX XXXX- Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX- Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX- Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Balance XXXX Date Opened XX/XX/XXXX XXXX Account XXXX : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX Account XXXX : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Balance XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still incorrect to which all XXXX credit bureaus are showing different information for the accounts listed below. 

The consumer reporting agencies which is Equifax did not modify or removed anything. The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on XXXX credit reports to which is a violation. This is impacting me from moving forward to buying a house for my family. I attach my previous credit report and my new credit report to show how Equifax violated my rights. 

XXXX Credit Bureau XXXX Equifax XXXX XXXX XXXX  Account Number : XXXX XXXX Credit Bureau : Equifax Creditor XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Credit Bureau : Equifax Creditor : XXXX XXXX Account Number XXXX XXXX XXXX Credit Bureau : Equifax Creditor : XXXX Account Number XXXX XXXX XXXX Credit Bureau : Equifax Creditor : XXXX Account Number : XXXX XXXX Credit Bureau XXXX Equifax Creditor : XXXX XXXX XXXX Account Number : XXXX XXXX Credit Bureau XXXX Equifax XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Over a year ago I signed up for an online legal documents service. For a {$15.00} per month from my paypal account I could access legal forms in their library. This could be terminated at any time with no contract term. Part way through XXXX I requested to terminate the account with the service provider. I did not notice until XXXX XXXX that the service provider had continued to charge me {$15.00} per month to my paypal. I contacted Paypal to dispute the charge but they would only allow me to dispute the most recent charge, which I did on XXXX XXXX, XXXX. Paypal contacted the service provider who apparently told Paypal they were pre-authorized to charge my account. Paypal ignored my information noting I had cancelled the service ( thus no longer pre-authorized ) and decided the charge was valid. I appealed and Paypal denied my request with no further explanation or proof of authorization. Paypal offers a purchase guarantee plus also a money back for unauthorized charges, however, they failed to act appropriately in this instance.
Product: Debt collection

Your company is reporting the below referenced account on my credit report as a collection account. The CFPB has filled sued for shame investigations. 

I have disputed this item with the credit reporting agency and had no resolution. They are reporting a " confirmed '' account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. These accounts do not belong to me. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( XXXX ) in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


Transunion Account : XXXX. XXXX XXXX XXXX account number : XXXX balance : {$190.00} XXXX. XXXX XXXX account number : XXXX balance : {$180.00} XXXX Account : XXXX. XXXX XXXX XXXX account number : # # # # # # XXXX balance : {$180.00} XXXX. XXXX XXXX XXXX account number : # # # # # # # # # # # # XXXX balance : {$190.00} Inquiries : 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
Product: Debt collection

I have filed a police report, submitted to the collection agency and XXXX, XXXX  as well as XXXX  this account still hasnt been removed Im a victim of fraud and Ive got documentation stating this. This was removed from my credit report then case right back. Ive filed through identitytheft.gov as well and had opened disputes that are now closed. 

The amount states that i owe XXXX to XXXX XXXX for XXXX XXXX for a credit card debt This isnt my debt this has caused my family so much issues in trying to purchase a house. Some person stole my identity and Im fight for my life to be normal again without these things haunting me! 

Please remove this account from my credit report! I cant take this any longer
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # s XXXX & XXXX US DEPARTMENT OF EDUCATION Have inaccurate information reporting for status payments and inconsistent with other agencies. Previously Disputed and transunion willfully neglecting to delete both US DEPARTMENT OF EDUCATION accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

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 consumer reporting agency can not furnish an account without my written consent and instructions XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have asked for this account to be validated multiple times, All i ever received wa the letter i attached below ... ..I was never sent a copy of my wet signature signed contract ... The amount due on the document Discover sent to me does not match the amount of the balance on a my credit report says how can they claim that they investigated this properly and that it is reporting 100 % accurately? I have attached a few of the letters that i have sent all 3 credit bureaus as well as the letters i directly sent discover via usps ... ..i have also attached a copy of my credit report with multiple differences reporting between the 3 bureaus and multiple violations in the reporting..this account has been re-aged, how are they reporting a credit limit on a charged off account? the high credit limits dont match, date of last payment does not match and im sure there are more that i do not know about ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Report : Original creditor : XXXX, Original creditor:XXXX, Original creditor : XXXX, Original creditor:XXXX, Original creditor:XXXX, Original creditor:XXXX, Original creditor:XXXX, Original creditor:XXXX
Product: Checking or savings account

On approx XX/XX/XXXX bank mobile froze funds in XXXX of my bank accounts. I contacted them via telephone, email, and letter with no luck over the last year now. 

They just give me the runaround they don't request information just the runaround. This a a common for them. I have XXXX others on social media who have come forth with similar stories.
Product: Vehicle loan or lease

Hello, my complaint is as follows. I was engaged with New Coast financial services in regards to a boat loan. Through the process they collected significant amounts of Financial and non public information. 

At no time in the process did they provide a notification of their policies and practices for protecting my NPI. They collected my NPI on a non secure XXXX XXXX and routed my personal information over non secure email. Nor did they disclose the 3rd parties my data has been shared with and what their policies are re : protecting consumer NPI. 

I have substantial assets in the accounts they collected information on, and I received no response in regards to my queries on their policies for protecting and or destroying my NPI and PPI. 

I am a former XXXX XXXX and have intimate familiarity with the As a broker or lender you are governed by Gramm Leach Bliley Act, or GLBA which requires financial institutions to provide clear and understandable notification of the companies policies and practices for protecting NPI. And that the notification must be made explicitly on paper or online, and must meet specific disclosure requirements. 

The company failed to provide any such notification during the application and data collection process and failed to respond to my direct questions regarding my privacy rights and their responsibility for protecting my NPI. 
I am a victim of financial fraud in the past and am deeply concerned that New Coast Financial is miss handling my NPI.

here is the contact of the individual I was working with ....

XXXX XXXX XXXX years in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Newcoast Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX direct XXXX XXXX fax XXXX XXXX