23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/24 XXXX XXXX XXXX Resurgent XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX Subject : Formal Dispute and Demand for Immediate Removal of Account Violation of XXXX XXXX XXXX ( g ) and Cease and Desist Order To Whom It XXXX Concern, I am writing regarding XXXX XXXX and unlawful reporting of a debt on my credit report without providing the debt validation information I lawfully requested. On XX/XX/24 XXXX  a written request for validation of the alleged debt, as required by XXXX XXXX XXXX ( g ) ** of the Fair Debt Collection Practices Act ( FDCPA ). To date, XXXX XXXX XXXX has failed to provide any of the legally required documentation to verify the validity of the alleged debt. 

# # # Violations of 15 USC 1692 ( g ) Under **15 USC 1692 ( g ) **, I have the right to request debt validation, which must include : - The amount of the debt - Documentation showing that I am indeed liable for the debt in question. 
- My wet signature guaranteeing I agreed to pay this debt -History of payments made by me on this debt -im asking to see has any insurance claims been done on this debt -detailed list of history of payments made by me on this debt -lastly proof that you have the chain of title to collect on this debt Your failure to comply with this request not only violates the FDCPA but also demonstrates your inability to prove the validity of this debt. Despite this, you have continued to report this account to the credit reporting agencies, which is a blatant disregard of federal law and my consumer rights. 

# # # Cease and Desist Violation Furthermore, on [ date of cease and desist letter ], I sent a **Cease and Desist** letter instructing you to stop all collection activities, including reporting to the credit bureaus. By continuing to report this unverifiable debt, you are in violation of both the FDCPA and my explicit demand that you cease all communications and collection efforts. 

# # # XXXX Demands XXXX. **Cease Reporting** : Immediately cease reporting this alleged debt to all credit reporting agencies, as you have failed to provide the legally required validation. 

XXXX. **Remove the Account** : Remove this collection account from all credit bureaus ( XXXX, XXXX, and XXXX ) XXXX XXXX business days**. 

XXXX. **Cease Communication** : You are also reminded to adhere to the Cease and Desist demand. Any further communication, collection attempts, or reporting without proper validation is a violation of federal law, and I will not hesitate to pursue further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking damages for harassment and illegal reporting. 

XXXX FUNDING HAS FAILED TO COMPLY WITH THESE REQUEST I expect immediate written confirmation that this account has been removed from all credit reports and that you will comply fully with my cease and desist request.
Product: Credit reporting or other personal consumer reports

During the Equifax data breach, I have more than XXXX hard inquiry on all three credit report, that is not linked to a account, and i didn't apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act OFFICE OF THE ATTY GEN Acct # XXXX, XXXX acct # XXXX has voilated 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 with my written instructions.
Product: Debt collection

XXXX XXXX XXXX sued me on a time barred debt on XX/XX/2019. 

The following is the garnishment on my wages from a time barred debt. 

XX/XX/2019 Garnishment {$250.00} XX/XX/2019 Garnishment {$37.00}
Product: Credit reporting, credit repair services, 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 Experian to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance {$260.00}.
Product: Debt collection

I am reaching out to inform you of the negative interactions between myself and Armada Corp located in XXXX, Wa. I received a legal notice from them indicating I had a limited time to answer and to reach out to Armada. I called the office over 6 times within that time limit and they were unresponsive. When they did answer I spoke to over 5 people before I finally got hold of someone and I spoke to a supervisor that said not to respond to my legal actions they took against me that they would give me a few more days and to call back and let them know how much I could give them. I called back one day before my legal time limit was up and I called they office and they were unresponsive and all the voicemails were full so I could not even leave a message. This was very deceptive of them and they purposely led me on to run out my legal time limit for them to pursue a default judgement.
Product: Student loan

Dear CFPB, First of all I'm incredibly grateful for your existence. Consumers do need protection from predatory lending corporations and corrupt banking institution 's with inflated interest rates that are impossible to pay. 

Realistically the average college graduate does not earn the amount that Navient, XXXX XXXX and other fraudulent lenders are billing them. Even upon negotiating the monthly amount, the interest rate incurs a debt that is greater than the amount lent to the individual. I'm sure you are familiar with these institutions and their predatory lending practices. 

After discovering this for myself I applied for various forbearance, deferment, and debt forgiveness programs. Unsuccessfully, for the past 10 months I have been recieving daily computer automated calls from Navient and XXXX XXXX XXXX or more times and each time they leave a message leaving a generic name and call center number. 

Is there any way I can sue these companies for calling me so incessentaly for the emotional strain it's causing me? I'm aware that there is a automation making the calls but there's a person on the other end. 

Finally, I'd like inquire for the investigation of the demographic whom these loans are targeting, in actuarial terms the lending institutions have access to the database of statistics predicting the defaulting of the debtors on their loans. Firstly the inability of the demographic to attend colleges or universities without the loans, and they repayment structure is built on the fact that the majority of graduates or non graduates can not pay the full balance immediately or within a time frame that the loan does not accrue an inflated interest rate that values the loan higher than the actual tuition costs. 

Thank you for your time.
Product: Debt collection

On XXXX/XXXX/2016 I received by postal mail from an organization called AFNI and demand that I pay {$160.00}. The demand said vaguely that the obligation stemmed from " XXXX, formerly XXXX '' but lacked any other documentation, evidence or proof. I responded with a letter, sent certified mail, on XXXX/XXXX/2016 saying I had no knowledge of any such debt, and demanded documentary evidence. The Post Office advises my letter was delivered on XXXX/XXXX/2016. As of this date, XXXX/XXXX/2016, I have received none of the requested information, or any other communication, from AFNI. We have followed up with a second letter to AFNI, noting no response to our first.
Product: Debt collection

I have already reached out to the creditors regarding the validity of the debts associated with these accounts, but I received no response or verification. Upon scrutinizing my credit report, I have noticed that these accounts are being incorrectly reported as late payment accounts. I demand that you provide proof of the late payments on these accounts or, in the absence of such evidence, delete the negative payment status and remove the associated late date markings. I am writing to demand immediate rectification of grossly inaccurate information on my credit report pertaining to the following accounts : XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$1200.00} and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1800.00}. Failure to comply within XXXX days of receiving this letter will leave me with no other option but to pursue all available legal remedies to rectify this situation. This is not a mere request ; it is a direct and forceful demand for the immediate correction of the errors on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a email saying the this company responded to my previous complaint with an attachment but there was no attachment nor response anywhere and my complaint was closed without explanation!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I send a dispute letters to Experian and XXXX about an account named XXXX XXXX XXXX # XXXX asking to provide a contract with my signature on it that proves that Im doing business with them and they have failed to provide any documents. This two credit bureaus are violating my rights and laws as a consumer and they need to be hold accountable to the extent of the laws. Picture proof of the letters, affidavit of identity and proof of the letters been certified are going to be provided as an attachment. 

According to 15 USC 1681 Section 602 A States I have the right to privacy According to 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions According to 15 USC 1681b ( 1 ) The credit bureaus do NOT have no written permission According to 15 USC 1681s-2 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: Mortgage

My bank sold my house, when they told me there was no sale date and they had postponed the last one. They did n't notify me of the sale prior to the sale as they have in the past. I only got a notice that it had been sold.
Product: Debt collection

I keep getting numerous calls for a debt I do n't owe, I verify social secutity number and date of birth with the XXXX on their files and it 's does not match, yet they continue to call me. I have asked them to correct their records but they have failed to do so. I have received more that XXXX calls in a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX partial account XXXX that belongs to the Merchant : XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a derogatory condition, that the account is high balance of {$300.00} in XX/XX/XXXX This negative mark found on my credit report for a debt I dont owe is a violation of the FCRA & FDCPA. This account has been paid in full with a balance of {$0.00} as of XX/XX/XXXX. 

XXXX, I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX account # XXXX which is also the same account associated with their collection agency, XXXX XXXX account # XXXX, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing a derogatory condition, that the account is charged off for {$560.00} in XX/XX/XXXX under the XXXX XXXX and with XXXX XXXX that the derogatory condition is {$520.00} past due in XX/XX/XXXX. This negative mark found on my credit report for a debt I dont owe is a violation of the FCRA & FDCPA. This account has been paid in full with a balance of {$0.00} as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

What the XXXX is going on? I sent you my dispute letter on XX/XX/2021, I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. you been ignoring me huh. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors yall reportin but youre ignoring it. My information may also have gotten to the hands of the wrong person because of equifax data breach and you need to do your part to investigate and clean up these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act These accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602a states i have the right to privacy & 15 USC 1681 Section 604a section 2 also states a consumer reporting agency can not furnish a account without my written instuctions
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On or about XXXX, I contacted Owning.com and spoke wXXXX XXXX. I expressed my concern about being able to refinance my home w/no cash out prior to the end of the year. While there are no guarantees, she agreed this was a possibility. She ran my credit, pulled all my information and quoted me a rate of 2.375 %. Like any process, there were items that needed clarification in order to proceed. On XX/XX/XXXX some time before XXXX XXXXXXXX informed me this was the last day they could submit and still close prior to XX/XX/XXXX. At approximately XXXX XXXX., she notified me that they had approval and the documents needed to be signed ASAP. When I reviewed the documents the rate had gone from XXXX to 2.626 %. When I questioned her about the rate increase, I was told rates had started increasing due to the vaccine and political events. I was then informed to shop around and if I found a better rate, that they do rate match. With that information, I signed off on all the documents and went online to inquire about rates. While inquiring one lender asked why I was searching for a new lender if I already had approval. I explained I wanted a better rate and that I was told rates were creeping back up due to the vaccine. This lender proceeded to tell me that rates had in fact gone down the last couple of days and pulled rates to show me. He told me that this happens from time to time and it's called a bait and switch which is unethical. With that information I sent XXXX an email inquiring about the rate, provided her with the rates I had been provided and asked her why she was charging more when the rates had gone down. I also asked her about the bait/switch comment. Within 5 mins XXXX called me and was noticeably upset that I had questioned her integrity. With that she proceeded to tell me that she would be canceling my loan because she could not work with someone who did not trust her and that it would only get worse from here. She suggested I contact a new lender and wished me luck. I at no time asked her to cancel my loan, I was simply looking for clarification and I sent her an email that evening advising her of the same and asked her to have her manager contact me. When I did not hear back I contacted owning.com on Friday XX/XX/XXXX @ XXXX. The individual who answered went over my file and put me on hold. When someone came back on the line it was XXXX, not the individual I had been conversing with. I reiterated to her that I did not cancel my loan and that if she took offense I was sorry but if she read the email that was not the intent, I simply wanted clarification regarding the increased rate if rates had in fact gone down, they my rate should have remained the same, not increase. She said her manager would contact me and I haven't heard from either of them since.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information. My name is misspelled on my consumer report. To clear up any confusion my name is XXXX XXXX. This is the ONLY name that should be listed on my consumer report. This is the ONLY name you have written consent to report. My US Postal address is XXXX XXXX XXXX XXXX XXXX XXXX, remove any other addresses they are not mine and they are considered nonmailable by the US postal service. Remove any employers you have they are not mine.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

I have no knowledge of any of these accounts thats reported on my credit reports. 

I am a victim of human trafficking of debt bondage and would like for all the listed accounts to be blocked and deleted from all credit reporting agencies. Please delete the following accounts : ( 1 ) Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to trafficking debt final rule 1002.142 ( b ) ( 4 ) -1002.142 ( b ) ( 7 ). I am kindly requesting that you blocked this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I checked my credit report, I realized that there was an excessive amount of inquiries that had been ran without my consent. I disputed each on its a total of 12. As of last month XXXX XXXX   and Experian both said they couldnt find anything and with that being said they couldnt do anything. I wrote back again saying these were unauthorized and basically fraud. They said they closed the investigation. My thing is I think they should know that its excessive inquiries, who runs there credit like that back to back. Up to now my history has never shown excessive pulls like this. Furthermore I have a fraud alert to call me before extending or running my credit.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN FL XXXX COMPLAINT, # 1 MIDSTATE REPORTED PAYMENT OF $ 20.00,XXXX DID NOT HAPPEN, COMPLAINT # 2 MIDSTATE IS REPORTING THIS AS JOINTLY WITH MY XXXX, NOT TRUE, SHE HAD HER OWN INSURANCE. 
COMPLAINT # 3 FROM XXXX/XXXX/XXXX THRU XXXX SERVICE GHARGES WITH NO EXPLAINATION OF CHARGES. COMPLAINT # 4 WIFE ACCOUNT AND MINE ARE REPORTED AS THE SAME #.
Product: Vehicle loan or lease

Global Lending Services continues to call with collection attempts despite having a payment arrangement set. Excessively amount of calls per day.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received a inquiry that I did not authorize from XXXX on XX/XX/29. I called her TransUnion to inquire about why I would get a random hard credit pull on my report. They told me to email the company so I emailed them but they did not respond. Please investigate and remove the credit inquiry. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX 5 accounts are reporting inaccurately.

The following were transferred to the XXXX XXXX XXXX/XXXX/XXXX  and was paid, closed, never late.

XX/XX/XXXX- {$2600.00} XX/XX/XXXX- {$1300.00} XX/XX/XXXX- {$3500.00} XX/XX/XXXX- {$3300.00} XX/XX/XXXX- {$980.00} These accounts are showing to be considered negative and at the same time showing in good standing.