23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

During my divorce proceedings 5 years ago, my ex fraudulently filed her personal taxes, claiming sole custody of our children for dates when she was still living under my roof, and not reporting her private home cleaning business income, at the same time reporting a greatly exaggerated income for myself. Resultantly, the IRS rejected my filing and demanded that I pay additional fees and fines. My XXXX XXXX didn't inform me, so I didn't find out until nearly 8 months later, at which time I called to report the issues to the IRS. They didn't care and demanded immediate payment which I refused for the causes stated above. The following year, the IRS abandoned their claim, but a collection agency named " Central Portfolio Control '' purchased the " debt '', and have been trying to recover it for 3 years now. I responded to their initial emails with the explanation previously given, and the attempts stopped for a while. They have recently begun calling my cell phone from multiple fake numbers and call centers, even after I explained that the debt was not valid ( twice verbally and once via email ). Now they have begun calling my family members on their private cellular and home phones, pretending to be account managers and requesting my cell phone number or other personal contact information. This is a blatant violation, and is harassing and dishonest in nature- it needs to be stopped, and those responsible need to be fined or charged for their dishonest and illegal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my Equifax credit report are all fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX XXXX, XX/XX/XXXX, {$2000.00}, XXXX XXXX   XXXX, XX/XX/XXXX, {$1500.00}, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. I never applied for or had any account with XXXX XXXX XXXX or XXXX XXXX   XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that DRS ( Debt Recovery Solution ) had posted a derogatory mark on my credit for collections on a loan for {$3700.00}. I reviewed the account information and I have never heard of DRS or the initial company, XXXX XXXX XXXX The account is in my maiden name which changed in 2019 and my previous employer had a data breach that released my social security number and I believe this account was fraudulently opened in my name. I tried to dispute this report with XXXX and XXXX. XXXX approved the dispute but XXXX did not.
Product: Credit reporting or other personal consumer reports

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

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

Company continues to report this account which is not mine on my credit report.
Product: Mortgage

Bayview Loan Servicing a Debt Collector sent more than XXXX dunning letters and demands regarding an alleged debt that does not exist. Bayview is a debt collector that does not have prior consent to communicate with me. Bayview has also used several names and different account numbers regarding the same alleged illegal debt. Bayview must obtain verification from the original Creditor, 1692g ( a ), original loan level documents, additionally provide its own validation in compliance with the FDCPA. Verification must be sworn to under oath or affirmation as required. Bayview has been given ten days to comply. If failure to do so, Bayview 's alleged debt will be permanently barred and all expenses, costs, damages and fees will be billed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit card

Citi credit card named " My Best Buy ''. I have been a customer with a meticulous payment history for over 10 years contacted me to try to collect a payment they felt was past due. I provided the electronic payment information from my bank to them to prove they had been paid weeks ago. They refuse to acknowledge payment and have tacked on interest and late fees. I have made countless efforts to resolve and have asked for a Supervisor to call me, to no avail. I contacted my bank and they confirmed that Citi was indeed paid and have also sent proof to them. Still, they will not acknowledge it. I have spent several days and countless hours trying to get them to do the right thing and they refuse to fix the problem, or to allow me to speak with a Supervisor.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX ) was never late! I have had exceptional payment history with XXXX XXXX and 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 reported in ( XXXX days ) to be removed. 


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 XXXX  days before the payment due date.

( XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX  XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX 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! 


Delete the late payments from my consumer reports
Product: Debt collection

I spoke with XXXX at NorthStar Location Services. I requested on XXXX XXXX via recorded phone call that all debt file documentation be sent to me for verification. he confirmed it would take one week. 

Two weeks had passed. I then sent a follow up email to the email listed below and received no response. I sent another today and still have received no response. 

I feel as if they are misleading me and possibly trying to avoid me by violating my consumer rights. Please advise as to how I can resolve this. Thank you kindly. 


NORTHSTAR LOCATION SERVICES , LLC XXXX XXXX XXXX, XXXX, NY XXXX XXXX - facsimile XXXXXXXXXXXX Check Us Out! XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

I did not receive a letter or any other communication before receiving a notice to my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX, FL, XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX account name XXXX XXXX XXXX and XXXX account number XXXX I need this company to Reinvestigate this account or block it from my credit report please. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.TRANSUNION continues to deliberately violate my rights as a living human being and a consumer as well as violate the guidelines of the FCRA. 
XXXX. I have right to 100 % accurate information to be reported on my credit report. XXXX. 
Transunion data furnisher XXXX has corrected and removed all INAACURATE Bankruptcy AND PUBLIC RECORDS DATA FROM ITS REPORT. 
XXXX. TRANSUNION ALSO USES OTHER UNDISCLOSED DATA FURNSIHER TO OBTAIN DATA AND DOES NOT DISCLOSE PROPERLY TO THE CONSUMER AS REQUIRED. 

XXXX. TransUnion did not establish reasonable procedures to ensure the maximum possible accuracy of information provided about consumers under 15 U.S.C.

Section 1681e ( b ) ; 6. TransUnion failed to Clearly and accurately disclose all information in the consumers file at the time of [ a ] request under Section 1681g ( a ), and 7. TransUnion failed to provide a statement of consumer rights with each such disclosure under Section 1681g ( c ). 

Considerable harm has been done to my credit causing adverse action from creditors resulting in denial of credit, missed opportunities resulting in punitive damages, and adding to an overall suppression of livelihood and quality of life Therefore, at this time I am requesting all derogatory information listed below be removed from credit report and pay me {$1000.00} for each of these violations within 15 days of submitting this complaint. 

Below are the reporting items XXXX. Bankruptcy XXXX XXXX # XXXX XXXX. Bankruptcy XXXX XXXX Reference # XXXX 3.Bankruptcy XXXX XXXXXXXX Reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea where these credit inquires come from, I have written the 3 major credit bureaus twice to dispute these inquires, I did not give anyone from these companies permission to run my credit, I don't know how they obtained my personal information but i don't know any of these companies. I have asked XXXX, XXXX, and Transunion twice to remove these inquires because I have no idea where they came from
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX have violated my rights . 

-15 U.S.C 1681 section 602 A. States that I have a right to privacy.

- 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I checked my report and was not able to dispute this information online. 
XX/XX/XXXX called number provided to dispute these inquires and was directed to file with the FTC. Upon following the direction given I was redirected to CFPB. 

I did not give these entities permission or consent of any kind to obtain my personal and private information. Nor did I request information from these entities. Nor do I have an open or closed account with these entities. 

I dont recognize the following entities and am requesting these entities be removed : XXXX XXXX XXXX LOCATION : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX LOCATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Thank you
Product: Credit reporting or other personal consumer reports

Dear EXETER FINANCE LLC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act.

It has unequivocally come to my attention that EXETER FINANCE LLC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for EXETER FINANCE LLC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that EXETER FINANCE LLC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that EXETER FINANCE LLC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my credit reports it shows a differnt number of accounts one says 27 other 28 and other 26. All are closed due to banckruptcy due to wifes XXXX XXXX issues and medical bills. My credit file says they are delinquint and they are not they are all closed and should not be on my creidt report as still outstanding. Also i have paid my mortgage and vehicles on time never late on only one of the three credit reports show it.
Product: Debt collection

I am a victim of identity theft and data breach, including the equifax data breach. 

Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$XXXX} Please remove the accounts in according to FDCPA, FCRA and UCC rules and regulations for fraudulent accounts and identity theft activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX   XXXX     I was to go to  XXXX , Florida and purchase a car that my son had found me at the dealership he was currently working at. The company is   XXXX   XXXX   XXXX   XXXX   XXXX  . I was on my way from  XXXX ,  MS to  purchase a vehicle when my son advised he was not getting commission on the vehicle that I was purchasing. He said I could still come purchase it and he would stay through the sale however, he was leaving the company after that. I still had planned on going and he called back and advised that the dealership advised they did n't want my business and  XXXX  could pack his desk and leave. My son  XXXX  then called me and told me to turn around they did not want my business and I asked to speak to  XXXX  the finance person and he refused to speak with me. I have a witness in my car hearing the conversation. I then called back and wanted to make sure they had nothing on my credit.   I then come home and checked and sure enough on   XXXX   XXXX   XXXX     they checked my credit without my consent or signature. There are several hard inquiries on there now from   XXXX   XXXX   XXXX    . I then contacted the    XXXX   XXXX   XXXX    after they did n't want to speak with me on the phone, and no one returned my call.      XXXX   had tried two atte mpts to resolve the issue, they did n't respond and I received an email on   XXXX   XXXX   XXXX   advising no response and this negative information will be reported fo r three  years for  XXXX   XXXX   XXXX   XXXX   XXXX  of  XXXX , Florida.   I just purchased a car at the current company my son is a salesman at and seen there is still the ones from   XXXX   XXXX   XXXX    .       THIS IS THE EMAIL THEY SENT ME : COULD N'T UPLOAD ... ....      XXXX  Logo   XXXX   XXXX   XXXX      XXXX   XXXX   Re :  Complaint #  XXXX  -  XXXX   XXXX   XXXX   XXXX   XXXX  In the absence of any response from the company to this complaint despite ou r two re quests to them, we are closing our file on this complaint.     This unanswered complaint will become part of the information we report to the public on this company for the nex t three year s. Should any government agency request our files on this company, your complaint will be included.     If you have settled this complaint directly with the company, would you please let us know that, as well as any other comments you might have. Your help in doing this is important to ensure that our report to the public on this company is accurate.     Thank you for using  XXXX   XXXX   XXXX .        XXXX   XXXX   XXXX   XXXX   XXXX
Product: Debt collection

This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Product: Credit card

XXXX Called Synchrony Bank and spoke with XXXX and provided routing number and account number to get my balance paid ( {$9600.00} ) since it didn't work when I tried to pay off the balance on the website. Received a confirmation number of the transaction. 

XXXX Called Synchrony Bank and spoke with XXXX to follow up on the payment since it didn't go through again. 
Called my credit union to validate the account number and routing number to get the balance paid off at Synchrony Bank. They stated that the account number was submitted incorrectly when trying to make the payment and that's why it didn't go through. Created a checking account for me to use bill pay to make the payment. 

XXXX Received XXXX separate letters from Synchrony Bank stating that " You made dishonored payments on other accounts with Synchrony Bank '' and closed all XXXX accounts. They were with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America continues to report delinquencies after receiving proofs of its previous errors and even reports new delinquencies in XX/XX/XXXX after the account closed following the sale of the property in XX/XX/XXXX. 
Bank of America previously changed my mailing address without my knowledge or consent and recently provided misinformation to its attorneys regarding communication that was never received during its extortion between XXXX and XXXX ( see attached payment history and memorandum in reference to changing my mailing address.
Product: Student loan

Sallie Mae and Navient failed to inform me of changes to the ownership and servicer of my XXXX federal student loans ( and apparently deactivated my automatic payments thereon ), thereby preventing me from continuing to make timely monthly payments on those loans, despite my repeated efforts to do so. Please see the attached letter for more information.
Product: Vehicle loan or lease

In XX/XX/XXXX, I purchased a vehicle from XXXX of XXXX. I agreed to pay {$390.00} per month for 72 months on a loan of {$16000.00} with an interest rate of 18 %. My car was stolen XX/XX/XXXX and I continued making payments every month. In XX/XX/XXXX, I was given a pay off amount of {$11000.00}. My insurance mailed a check to them on XX/XX/XXXX in the amount of {$12000.00}. Santander removed the payments I made to them from XX/XX/XXXX up until XX/XX/XXXX for some reason. There website showed I was behind {$1900.00} and there website was showing accrued interest. I called them on XX/XX/XXXX and they stated that I was behind over 90 days on my car, which was false. Then after I argued with the lady she apologized for being incorrect and couldn't provide me a reason as to why my payments were removed. XX/XX/XXXX I checked their website and now it showed that I had a balance of {$600.00} and there reasoning was because the funds are currently being ''reallocated '' and that I should see my account reflect the insurance payment. Which STILL makes no sense. They are showing a transaction for {$10000.00} and another one for {$1900.00} on XX/XX/XXXX which is the insurance payment. These people received my check weeks ago and did not put it in the system until I called. I also noticed that my month payments that I made for the same amount each month have different and really high interest rates. Under my transaction history on their website, the payments that I made are not matching the payments my bank ( XXXX XXXX XXXX ) is showing.