23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have mailed a notarized Affidavit of Truth to both XXXX XXXX ( see attached ) and The US Department of Education ( see attached ) making it known that no contract exists between me and the corporations DBA XXXX XXXX XXXX and U.S. Department of Education. The affidavit has remained unrebutted. Unrebutted affidavits stand as truth in commerce. Experian, XXXX, and XXXX have been falsely reporting an alleged debt that does not exist and is not owed o my credit report which has negatively impacted my credit worthiness and reputation. 

In a letter dated XX/XX/year> XXXX XXXX addressed the request as per as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ), however they failed to provide proof of the original contract with wet ink signature. The document ( see attached ) displays a contract from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a typed signature and date. I am questioning the legitimacy of the contract and still have requested the following items from XXXX XXXX : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.

* Bond number of the licensed debt collector *Furnish the original contract that shows wet ink signature *Furnish the original contract or security agreement showing repayment of alleged debt I requested not to be contacted by email or phone call as well and was still contacted by them via telephone. 

In a separate letter dated XX/XX/year> I was sent a letter from XXXX XXXX stating the alleged account was 90 days or more past due and an outline of consequences of delinquency during on ramp period.

In another letter dated XX/XX/year> from XXXX XXXX, they stated that their records indicate that the last scheduled payment has not been received and the account is now 11 or more days past due.

Since my initial letter on XX/XX/year>, I have yet to receive any of the information I demanded from XXXX XXXX. 

On XX/XX/year> I certified mailed a final warning to XXXX XXXX stating that if the unverified accounts were not removed, I would resort to taking legal action as per my rights.

As a result of all information provided, I demand that all account information and personal information associated with XXXX XXXX be removed and deleted and that they cease reporting to credit bureaus
Product: Debt collection

I received a call today on XX/XX/XXXX from a fictitious number leaving a very vague message from a representative at the extension XXXX. On the same day a friend sent a screenshot of the voicemail to text, that the same representative called and left. Today on XX/XX/XXXX was the first time I have heard from this company. I XXXX  the number and found it belongs to XXXX XXXX XXXX, XXXX. Below is a transcription of the voicemail that was left by the representative. 

Hi Good morning Ms. XXXX, this is XXXX. I am reaching out to you XXXX in regards to the notification that my office has sent out to your mailing address. Its in reference to the paperwork that we have here concerning yourself. We still as of today have yet to get any sort of response from you and prior to making any sort of recommendations, Im really hoping for an opportunity to go over the full details of this with you directly. If this is something that you would like your input considered on before anything is decided, Ill be here today until about XXXX O clock Eastern time. My direct number here is ( XXXX ) XXXX XXXX extension is XXXX. Thank you When I returned the call, the representative was very aggressive and stated that this was regarding a debt that was referred to them in XX/XX/XXXX. She was still very vague, and I questioned how she got the contact for my friend and why she would contact a third party regarding this supposed debt. I also asked why so much time had passed before I was contacted regarding this supposed debt, why I had not received any written notice about the supposed debt, and that usually after 30-60 days of no response from the debtor the debt is attached to the credit history she claimed that it was sent via email. 

I also stated that this is not normal behavior for a collection company and formal written validation of debt is required on the debt collectors part per the Fair Debt Collections Act. The representative became irate and told me that was false and not how collections accounts were handled and that I committed a crime by violating my contract with the original debt. This company has broken many parts of the law and are using illegal tactics to intimidate me regarding a supposed debt they have yet to send a validation for. Below are some clear violations made by this company. 

1. This company violated section 805 of the Fair Debt Collections Practices Act which is public law, by contacting a third party regarding my contact information and debt.

2. This company violated section 806 of the Fair Debt Collections Practices Act by using deceptive and misleading tactics in connection with the debt. They also attempted to disgrace me by saying I was committing a crime in relation to the debt, which is also a violation in this section of the Fair Debt Collections Practices Act.

3. This company violated the Fair Debt Collections Practices Act by not sending a written proof of debt showing information about the original debt, original contract, amount owed, proof of debt etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a copy of my updated and correct credit report since several things have changed and I need to confirm the corrections were made. XXXX has denied my request.
Product: Mortgage

On XX/XX/XXXX I was notified that effective XX/XX/XXXX the servicing rights to my mortgage would be transferred to XXXX XXXX. Upon receiving the letter I called Chase Bank ( XXXX ) and requested my mortgage document so I could see exactly what disclosures I signed In the loan documents I was provided on XX/XX/XXXX via email from Chase, it did not include any authorization for the bank to sell the servicing rights of the mortgage. I will state that it appears the documents I was provided is not all inclusive of what I actually signed I am requesting a copy of my full mortgage file with any documents that I signed during the closing process. 

Regardless of whether I signed a disclosure outlining that Chase Bank may sell the servicing rights, my primary concern is with the fact that the sale of the rights discontinues my ability to participate in the 1 % Mortgage Cash Back program. Given the remaining term on my mortgage, this is around a {$3000.00} loss to me over the life of the loan. At the time, this was a significant selling point when comparing mortgage products from different financial institutions, as a result of this benefit I opted to obtain a mortgage with Chase Bank. 

It appears this promotion was deceptive and misleading as it was never disclosed nor discussed during the loan process that since Chase Bank has the ability to sell your mortgage at any time, that the promotion may be only available to the customer for a limited period of time. In addition, itd be interesting to know how many loans that operate under this promotion have been sold since its been discontinued as this could have been as strategic yet deceptive and potentially unlawful practice decision made by senior management in the bank to drive loan growth. For example, any bank could offer a benefit such as this which would drive additional loan growth but then having the ability to sell those loans and eliminate any further liability from the promotion. 

Due to rising rates and the cost of refinancing, it would be extremely costly to take my business elsewhere so as a result of this deceptive promotion I am now at a financial disadvantage.
Product: Debt collection

I do not recall knowledge of this account. Then I get notification that the account was sold to XXXX XXXX XXXX XXXX. I am aware of the law and financial institutions are not allowed to share personal information of customers/consumers to non affiliated party without notifying the customer. I believe this is fraud and identity theft. I sent Upgrade a notice over 30 days ago and they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing the complaint against XXXX, XXXX and TRANSUNION because they have ignored my request for a reinvestigation since XX/XX/2021. I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : 10 GEORGIA XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

THE ACCOUNT IS CALLED XXXX XXXX  XXXX XXXX WAS OPENED ON XX/XX/XXXX OF A BALANCE OF {$440.00}. I CALLED MORE THAN 5 TIMES STATING IT WASN'T ME AND IT WAS REPORTED ON MY CREDIT REPORT. 

ALSO, A COMPANY NAMED ONE MAIN WAS OPENED WITHOUT MY KNOWLEDGE ON XX/XX/XXXX. THE BALANCE WAS {$4200.00}. THAT WASN'T ME AS WELL. I CALLED THEM TO STATE THAT INFORMATION AND NOTHING WAS DONE.
Product: Credit reporting or other personal consumer reports

Equifax seems to do less independent investigations and simply relies on the collection agency to verify the debt which sort of defeats the point of filing a dispute.

I have disputed the debt 6 times since XX/XX/XXXX2024 for XX/XX/XXXX (collections) accountXX/XX/XXXXThe collections agency sent a cease and desist letterXX/XX/XXXX2024 stating the following:

that the account referenced below is closed in our oce. In addi
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/XXXX, I paid {$470.00} & XXXX, respectively from my PayPal account for an XXXX. On XX/XX/XXXX, PayPal deducted an additional, unauthorized {$130.00} from my account based on a claim from XXXX that I am disputing and was disputing at the time PayPal deducted the {$130.00} from my account. I disputed the payment with PayPal, and their decision favored XXXX. They immediately closed the case. Neither PayPal nor XXXX has provided me with anything justifying the charge! It is an arbitrary amount with no basis. 

Furthermore, PayPal made XXXX an automatic payment recipient WITHOUT my approval based on the very first XXXX reservation I made in XXXX. That payment was supposed to be a one-time payment authorization. It was never implied or approved to make all future payments were automatically authorized. Had they not unilaterally made a decision to make a payee an automatic payee, I would have been able to stop the payment. Instead, they took money out of my account without my EXPRESS approval. My contract with XXXX was for the initial {$950.00}. There is nothing that I have signed to authorize the additional {$130.00} taken from my account! PayPal has made no effort to fairly resolve this issue, and has left me with no ability to respond to the decision they made to deduct {$130.00} from my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have no idea who LVNV FUNDING LLC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. LVNV FUNDING LLC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested information from LVNV FUNDING LLC via certified mail and they did not respond to my request and no information was provided. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized LVNV FUNDING LLC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ LVNV FUNDING LLC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to LVNV FUNDING LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to dispute the validity of a debt allegedly owed to XXXX XXXX XXXX ( creditor ). The creditor 's information is as follows : Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX *Account Information* Account Number : XXXX I dispute this debt for the following reasons : XXXX. Lack of verification : The creditor has failed to provide sufficient documentation verifying the debt. 
XXXX. Inaccurate information : The debt amount/account status is incorrect. 

Pursuant to 15 USC 1692c of the Fair Debt Collection Practices Act ( FDCPA ), I request : XXXX. Immediate cessation of collection activities. 
XXXX. Validation of the debt, including original contract/agreement. 
XXXX. Verification of account balance. 

Please investigate this matter and ensure the creditor complies with federal regulations. 

Sincerely, XXXX XXXX SSN : XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX, XXXXXXXX XXXX  XXXX XXXX  multiple times to dispute these incorrect accounts. I have also disputed them via the 3 credit bureaus multiple times most recently in XX/XX/2023 with no response. These items are detrimental to me providing for my family and my financial well being. I have also asked for my name to be corrected there are several names listed and none of them correct which if they would get back to me they would know these are incorrect accounts just based on the incorrect name alone. Per 15 usc code 1681 they are violating my writes as a consumer.
Product: Credit reporting or other personal consumer reports

I had requested the original documents and also my original complaint was not honored. I explained that some of the accounts were affected by COVID-19 which they were debt forgiveness laws in place for such an event. Also they were accounts and inquiries I did not consent to. I looked for a car and I was told it would only be a soft inquiry pull but it was shopped around without my authorization. And all I received was a reply through your company that was obviously an AI generally scripted letter that explained nothing. They continue to operate in the same breaking us code 15-681 stating all consumers have a right to an accurate credit report. Please fix this as I know that the acting credit bureaus are only a 3rd party that does not actually exist. By right, the company has a reputation of being fierce against minority groups. Staining credit reports ultimately resulting in negative profiling and outcomes. Please prove this is not factual to US citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are still here and I am writing to dispute these accounts. I did not owe these debt and it does not belong to me. I never established these accounts. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a bill from XXXX XXXX for an unauthorized charge to renew the XXXX XXXX. I immediately contacted them. They assured me that I would be refunded the full amount of the charge. I then closed the account on XX/XX/21. I then get a notice from Transunion that I have a delinquint account. XXXX XXXX for {$10.00}. I contact them and they informed me it was an interest charge on that item that I never purchased. They said they emailed me the bill which I never received. My credit score was XXXX. I worked very hard to get it there. Transunion dropped my score 75 points for this????? # 1 Don't you think I would have paid a {$10.00} bill? # 2 How can they drop my score 75 points over this? I filed a dispute with Transunion over this on XX/XX/21. I don't have any results of the dispute and my credit score is XXXX!!! This is so unfair!
Product: Debt collection

IQ Data never sent me any notice in the mail to validate the collection and they constantly call and harass me.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. It is damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

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: Mortgage

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.