23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is in regards to Alliance CAS, a debt collection agency that was retained by our now former management group whom was terminated for their questionable " professional '' actions. 

Alliance CAS maintains that they have attempted to contact me, their primary case is that it was via email, which twice in one day had to be corrected that they had the wrong email address. ( On a recorded line ). No effort was made in part by this company to contact me and resolve my debt in any formidable way. Not by email, direct phone contact ( they call every few months allegedly and do so from a blocked number. As if any reasonable person answers unknown numbers these days with the amount of robocalls regarding auto-warranty renewals, and they never leave a message ), and not by direct mail either. Their consolidation statement proves that fact. 

Now with that said, no written contact to the debtor is a violation of the FDCPA. All the while of maintaining " no contact, '' this company has been piling on " administrative/oversight '' fees to the absurd amount of {$250.00} a month, quickly tripling the amount of legitimate debt in question in 2 years time. 

This is not the first attempt I have made to resolve this debt either. I contacted this company in an effort to resolve this issue on 2 prior occasions. On one attempt they offered me a structured payment plan that to engage in required a deposit that didn't apply towards the balance but rather increased the balance by {$600.00} just to start a payment plan. On my second attempt, the management company and Alliance CAS took turns passing me back and forth from each other because neither company had a record of who held my debt. 

Frustrated, I now find myself in a hole way deeper than what the legitimate debt is actually for. If you find yourself with a debt in question with Alliance CAS, pay it now or be prepared to contact a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had automatic bill pay and payments were accepted for the ( 60 ) day grace period but then after the grace period ended, the payments were no longer being accepted. I never received any correspondence alerting me about these changes. Once I saw the money was still credited to my account I realized what was happening. Upon further investigation I found out the account was sold to XXXX. I immediately contacted XXXX and made the ( 2 ) payments required to get the account back to current. XXXX was also going to defer the ( 2 ) payments so I would be caught up and also they told me they would waive the late fees because of the automatic payment confusion. However, they are still reporting rolling ( 30 ) day lates. I have attached a copy of the XXXX XXXX XXXX payment history for reference. This inaccurate reporting of lates is seriously harming my credit score and these line items need to updated to report NO late payments and report a current status. I have contacted the bureaus and XXXX to remove these lates however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am contacting you regarding significant inaccuracies in my XXXX consumer report, which are negatively impacting my financial standing and infringing upon my personal privacy rights. I, XXXX XXXX XXXX, am independently raising this dispute without any third-party involvement. 

My current and complete residential address is XXXX XXXX XXXX, XXXX XXXX, NC XXXX, differing from other reported addresses. Additionally, I want to point out the inclusion of irrelevant employer information in the consumer report, which is not relevant to my creditworthiness and deviates from standard credit reporting practices.

The inaccuracies primarily concern my former names, address and employer details, and I request prompt action to update or remove these errors from my credit file.

The following inaccurate former names should be removed : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The following inaccurate addresses should be removed : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Please delete the following employer names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed are documents verifying my accurate personal details and the initial dispute via mail with the credit bureaus for your reference and prompt action. The reported inaccuracies violate my rights under both the Privacy Act ( 5 U.S.C. 552a ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which mandate accurate and up-to-date reporting of consumer information. I anticipate a timely response and resolution to this matter in compliance with the regulations outlined in the Privacy Act and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the Wells Fargo tradeline on my credit files with XXXX, XXXX  and XXXX as the account is old and was closed in XXXX, and included in Chapter XXXX BK in XXXX of XXXX. XXXX appropriately deleted the tradeline in XXXX. XXXX is reporting the account as " open '' and updated the status with the date of my dispute which flags my credit file as having a current delinquency and claims this was the information they were sent by Wells Fargo. XXXX reports this account as " closed '' but like XXXX, updates my credit file tradeline status with the date of my dispute which keeps resetting the timeframe for this account to be removed from my credit file. 

This is an old account, Wells Fargo claims they are legally allowed to report it from the date of the Chapter XXXX BK which was in XXXX. If this is the case then the tradeline needs to be updated to reflect the last activity on the account is the date of the BK discharge which was almost 5 years ago, and they should not be adding a new BK status on the tradeline which then reports as though it is a new derogatory record. 

Please delete this tradeline for inaccuracy in reporting, it should have been removed in XXXX due to the 7 year negative reporting clause. Additionally, it was discovered that activity was seen on this account in XXXX, 3 years after it was included in BK - Wells Fargo claimed that was an " adjustment '' on their side. However, I was never notified and only discovered it when I requested documents during my attempts at disputing this tradeline in XXXX. It has been well publicized that Wells Fargo has committed fraud with numerous current and former customers ' accounts. I was part of the class action lawsuit, and I would like this tradeline removed and I would like an explanation for why this account had activity on it 6 years after it had been closed ( XXXX ) and 3 years after it had been included in BK ( XXXX ). 

Thank you, XXXX XXXX
Product: Debt collection

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act Collections- Debt Recovery Solutions {$480.00} opened XXXX, Collections- XXXX XXXX XXXX XXXX said I owed them {$8900.00} open XXXX They are not the Original Owners 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.

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 any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, XXXX, written permission to furnish these accounts.
Product: Payday loan, title loan, or personal loan

I asked the company verbally as well as in writing via CFPB to STOP ACH withdrawals from my checking account. They also harass by calling  6-7 ti mes per day from out of state numbers and not identifying themselves on the voicemails. I return the call the reps are extremely rude and hung up on me.
Product: Credit reporting or other personal consumer reports

There is a collection agency by the name of XXXX XXXX XXXX who is reporting a debt to my credit reporting stating you as the original creditor. I don't remember ever having an account with CITIBANK N.A with the balance reporting. My information was compromised in a data breach so please submit documentation of the agreement between your company and myself. Please send the correspondence sent to me notifying me that I had an account that was being sold to XXXX XXXX XXXX. Also, include the price that the debt collector purchased the debt. If you are unable to provide the requested information, please have the collection agency remove this account immediately. Failure to comply and/or provide validation is a violation of the FDCPA and FCRA.
Product: Debt collection

XX/XX/2021 certified mail sent to an address that never belonged to me. 
XX/XX/2021 court document along with a credit card statement also taped onto the front door of the same address that never belonged to me. The owner of the address contacted me and sent me photos of the documents that was taped on the front door! The company is Midland credit management. They have my correct address and Ive never been contacted at my home regards to this issue. Ive called midland credit several times and can not get any information about this account until Im giving them my personal information on which Im refusing.
Product: Credit reporting or other personal consumer reports

Experian still showing an account CLOSED in XXXX. Account should be closed. XXXX is now XXXX and yet the account ins't closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, remediation and research associate within the XXXX XXXX has failed to conduct an investigation to complaint. IN fact his response states he " reviewed the documentation submitted and the decision of XXXX remains unchanged. '' Now, what wa sincluded in the documentation submitted was a copy of the MPN ( p. XXXX and p. XXXX ) clearly stating that I am not required to make payments durig periods of forbearances and deferments. The XXXX XXXX response that XXXX XXXX references clearly acknowledges the periods of deferment and forbearance spanning from XX/XX/XXXX thru XX/XX/XXXX. 

Here is what XXXX has now done in-total : Breach of contractural agreement and violation of my right of notice 1 ) Not required to make payments during deferments AND/OR forbearances ( see p. XXXX ) 2 ) Statements were to be sent during periods of forbearance and deferment ( a ) XXXX XXXX. they did not provide billing statements for XX/XX/XXXX nor XX/XX/XXXX because the account ( s ) were specifically deferred ( see p. XXXX ) ( b ) Per XXXX XXXX was to provide statements when payments were deferred ( see p. XXXX ) ( c ) Screenshot of XXXX XXXX corroborates statement given referenced in 2 ( a ) clearly indicating statements were NOT generated for XX/XX/XXXX, XX/XX/XXXX ( see p. XXXX ) ( d ) Screenshot also indicates next statement generated was on XXXX XX/XX/XXXX with due-date inside of XXXX  days ack. as minimum in XXXX XX/XX/XXXX letter AUTHORED BY XXXX XXXX on XXXX XXXX Therefore, the history as reported by XXXX on XXXX and XXXX for periods ranging from XX/XX/XXXX thru present are invalid/unverifiable ; XXXX XXXX is fully aware of these issues as he has allegedly reviewed the documenation I've provided to-date. That is, XXXX XXXX is knowingly and willfully providing false statements to the CFPB to protect XXXX from any consequences of enforcement action that may arise out of the issues I have and continue to present to the CFPB. 

It is not without noting that a XXXX responded to my complaint to that office regarding the matter plainly stating The XXXX is not allowed to get involved in the investigations of other government agencies. It is quite possible therefore that XXXX XXXX is intenionally being vague in his responses to the CFPB knowing full-well that XXXX is under investigation. It would be far easier for XXXX to do the correct thing, rather than the interim thing of XXXX. 

At the end of the day, XXXX will continue to supply this erroneous info to the XXXX, and provide false statements to the CFPB even when the documentation clearly refutes the assertions of XXXX. 

So, I will ask XXXX XXXX in this forum : since XXXX of the loan groups has been charged off and allegedly sent to an outside collection agency ( according to the XXXX XXXX  please provide me with the contact information, to include address, phone number, fax number, registered agent, and a copy of the credential that shows the colection agency handlig the CO accont is licensed to business in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to use the XXXX site to obtain my reports and none of the companies will allow me to obtain such report online. Called the number to address the problem only to find out they are indicating my first name is not what I know it to be. Tried to address this problem only to find out I can not talk to a live person to get it resolved. Finally called XXXX  and got to talk to a live person named XXXX, on XX/XX/2020 approximately XXXX hours ; he said he could put on a freeze for XXXX  only, said please do this. However, this whole situation is cause for alarm for both my husband and me. My husband has already filed reports with FTC, XXXX, and local police for data and information that is fraudulent on his reports.
Product: Debt collection

I have been receiving phone calls at work on my cell phone and somehow they call my parents home phone too. It is an automated machine that leaves messages that they are from the mediation department and that I need to " call them immediately to receive the proper documentations ''. They have threatened to garnish my wages and they supposedly verified my wages with someone at my job. They have refused to provide me with written documentation of whatever it is they are trying to collect on. I 've asked them numerous times to not contact me at any number they have of mine. My parents are furious at the phone calls they receive at home. They call me from different phone numbers as well. They call and hang up once I ask for their company name. They can not provide me with any details but insist that I pay them for something I do not owe! They are very rude and obnoxious. I have mentioned to them numerous times that I have filed for BK and they laugh and tell me I 'm full of XXXX! They refuse to disclose any pertinent information yet they insist on me paying them an amount so that they can send me the documents they have. I do n't know what they are talking about and I need them to stop harassing me at work, on my cell phone and most of all my parents home! They work with mediation department and they will be sending papers over to begin wage garnishments and it would be more than XXXX % of my checks! They mention payday loans from a company I have never dealt with before and that company is another debt collection agency! Yet they tell me its a cash advance. They continuously run my credit report without my consent as I get alerts when my credit report is ran. They also mentioned that a police officer would should up to arrest me if I did n't accept the paperwork being file. " Would you be willing to risk it all and be humiliated at your job? '' I want them out of my life! They mentioned if I have received any certified mail and I responded to them that if I did they would have return receipts. They have a physical address but those I do business with have my mailing address. I never received any documents from these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Showing on credit report as charge off in 2023 but has me going forward. A collection company is calling about the debt. I do not owe the debt and would like a debt verification letter from both companies. Cease and desist as well from contacting me or my family members via phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company not licensed to collect in the state of Illinois. This is a violation. They also never presented a contract showing I owed them any money. 

I noticed my credit report had a collection account on it. I immediately sent the company a letter. They in turn sent me a letter dated XX/XX/2019 regarding my request for reinvestigation. Issue is, I never requested anything be reinvestigated. I have never done business with Rent Recovery Solutions, LLC. What they did was send me a bill from another company and 2 pages of a rental agreement bearing the name of a rental complex. That agreement does not show Rent Recovery Solutions, LLC to be the company due payment, yet they sent that with an expectation of payment to them.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$74.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$230.00} XXXX XXXX XXXX  XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$74.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is titled XXXX XXXX XXXX. XXXX XXXX has deleted the information from my credit report. However, after disputing the information with XXXX and Equifax, they are not taking it off. The company is providing information that the date is correct so I disputed it directly with the company, and or a collection agency providing them proof that the account in question was already paid before it was placed on my credit report with no resolution I have been disputing this account every XXXX weeks since XX/XX/XXXX the account was paid XX/XX/XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXXXXXX XXXX Account : # XXXX, 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.
Product: Credit card

Citibank decided to close my account without any notification or explanation. I have a credit limit with them for {$4000.00}. My balance is only {$3500.00}. I have made all my payments on time. When I asked why they closed my account without my permission they said they have the right to do that. I asked them to reopen my account because I did not permit them to close it and they wanted to run my credit to reopen my account. I told them no, they could not run my credit because I already had an open account with them. So because I refused to allow them to run my credit, they refused to reopen my account.

The only response I received was that I continue to make my payment on the card. See Attached
Product: Credit reporting or other personal consumer reports

pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as XXXX is to be expunged from the report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report.
Product: Payday loan, title loan, or personal loan

Opened a complaint last month. Company said it was resolved but it wasn't. I have a line of credit with two promo rates. One is fixed for five years, the other promo rate lapsed at the end of last month. I took an additional draw to use to pay down the lapsing rate ( which would be higher than the fixed rate ). The company applied the payment to the lower interest rate ( so they could collect more interest income ). I specifically asked for them to apply it to the higher rate. Initially they said they couldn't so i filed the complaint. After the CFPB complaint the compliance officer said they had applied it to the appropriate note however upon checking, they did not.This has become a pattern of consumer abuse. Luckily I work in the financial sector and am savvy enough to realize their deceptive practices however I fear for other consumers that have less experience in this industry. This treatment is nothing short of predatory
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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 XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.