23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This alleged debt that XXXX XXXX XXXX is claiming that I owe is showing up on my credit report as charged-off by UPGRADE INC the original creditor allegedly. I looked up under that and XXXX XXXX XXXX is posting a collection for the same amount for UPGRADE INC, Which make this reporting inaccurate and false and deceptive because UPGRADE INC, charged-off this debt and took a right off. Meaning they basically canceled the debt. UPGRADE IINC, also filed a claim a claim with their insurance company to offset the alleged loss. After that UPGRADE INC, then sale the alleged debt to abandoned paperwork to XXXX XXXX XXXX and now they are trying to implicate that the account turned over to an innocent purchaser for value which is a violation of 15 u.s.c 1692e ( 12 ). The amount of {$2600.00} is in the positive form instead of in negative form which is false representation of an amount an a violation of 15 u.s.c 1692e ( 2 ) ( a ). Because of these actions the liability no longer exists an XXXX XXXX XXXX or UPGRADE INC, can no longer report this alleged collection or charge-off to the Bureaus causing me a financial injury and defamation of character Security finance I Never signed a contract with you for you to have and share my information which is also identity theft, nor did I give UPGRADE INC , permission to sell my information to you I am demanding to remove these items off my credit report or cease and Desist all communications with this alleged debt from any reporting agency Bureau or any other collection company, also of all medium. 
XXXX XXXX XXXX  is in violation of 15 U.S.Code 1692d ( 1 ) for posting this inaccurate information on my consumer report harming my reputation In violation of 15 U.S.Code 1692b ( 2 ) for stating I the consumer owe a debt IN VIOLATION OF 15 U.S.Code 1681b ( 2 ) never gave XXXX XXXX XXXX WRITTEN CONSENT TO FUNISH INFORMATION INVOLVING A COLLECTION A COLLECTION OF ACCOUNTS
Product: Debt collection

I settled an old credit card account. We agreed on a payoff amount on certain date. I have the letter stating the agreement. The amount was paid, taken from my checking account on the date agreed upon. 3 months later I am getting calls from other collection agencies trying to get the balance of this same account. I have called the collection agency that I worked with initially and they were supposed to send me letter stating this was paid in settlement agreement. They will not send the document and it is still showing on my credit report as balance owed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this dispute against FedLoan due to the incorrect information that is being reported by XXXX and XXXX. They are both reporting that my account has a CURRENT STATUS of 120 days past due and is LATE. These 2 FEDLOAN accounts have a {$0.00} balance and they were Transferred/Sold in XX/2016, they should not show a CURRENT STATUS of being 120 days past due that should only reflect on my payment history section not as the CURRENT STATUS of my account. I have disputed this information constantly with XXXX and XXXX and I have received dispute results stating that FEDLOAN verified that the information is reporting correctly. I have attached copies of my FICO CREDIT REPORTS showing that my accounts are reporting inaccurately and this is affecting the accuracy of my credit scores. I am requesting that FEDLOAN send notice to XXXX and XXXX  to update and report my information correctly with a {$0.00} balance and stating that the STATUS should be TRANSFERRED/SOLD since XX/2016.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Formal Complaint Against [ Merchant Credit Guide ] To Whom It May Concern, I am writing to file a formal complaint against [ Merchant Credit Guide ] for their unlawful and unethical debt collection practices, which have violated several provisions of the Consumer Financial Protection Bureau ( CFPB ) regulations and the Fair Credit Reporting Act ( FCRA ). Despite numerous attempts to resolve this matter amicably, [ Merchant Credit Guide ] has persistently ignored my rights as a consumer and engaged in deceitful and misleading behavior. 
First and foremost, [ Merchant Credit Guide ] has failed to provide proper validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-S 2 ( 7 ) ( A ). I have repeatedly requested validation of the alleged debt, including any purchase agreement or forward flow agreement, but have received no satisfactory response. Without such documentation, I am unable to verify the legitimacy of the debt being pursued. 
Moreover, [ Merchant Credit Guide ] has engaged in false, misleading, and deceptive practices, as outlined in 15 USC 1681-S 2 ( 7 ) ( A ). Their actions have not only damaged my financial standing but have also caused significant defamation of my character. Despite my repeated requests for clarification and dispute of the debt, [ Merchant Credit Guide ] has failed to provide me with the opportunity to challenge the validity of the alleged debt, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Furthermore, I would like to emphasize that I do not have any contractual agreement with [ Merchant Credit Guide ] that would justify their pursuit of this debt. As such, their continued efforts to collect without providing proper validation information are both unlawful and unwarranted. Additionally, [ Merchant Credit Guide ] has unlawfully furnished information about this disputed account to consumer reporting agencies without providing the necessary disclosures, further violating federal law. 
Considering the above violations, I urge the Consumer Financial Protection Bureau to thoroughly investigate [ Merchant Credit Guide ] 's actions and take appropriate enforcement action. I request that [ Merchant Credit Guide ] be held accountable for their unlawful debt collection practices and that all negative information related to this disputed debt be promptly removed from my credit report. 
Thank you for your attention to this matter. I trust that the CFPB will take swift and decisive action to ensure that consumers are protected from abusive debt collection practices. 

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

ACCORDING TO 15 USC 1681XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Experian XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX 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: Credit reporting or other personal consumer reports

I greatly value the relationship I have with the following creditors and have consistently made on-time payments for such a long time. This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I purchased & owned a timeshare. Payments were made & I still have not received my deeded weeks ( 5 weeks ). with XXXX XXXXXXXX XXXX XXXX XXXX. I received a collection notification from Aspen National Collections from XXXX XXXX, Collections Manager with XXXX XXXX XXXX  XXXX XXXX. I received a collection notification from Aspen National Collections from XXXX XXXX, Collections with additional fee for {$430.00} ( Association Interest : {$86.00} ; Late Fees : {$25.00} ; Collection Fees {$280.00} & Interest ( 5.5 % ) - {$36.00} more than the bill of & XXXX ( XXXX Maintenance Fee- {$820.00} & Taxes {$190.00} ). 

Paid XXXX, XXXX, XXXX fees were paid but I never received my deeded week. Highway robbery!!!! 

The documents showed XXXX & not XXXX!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016, it shows on my credit report that I was late for the month of XXXX and XXXX. I believe this is incorrect because I have had this account in forbearance until the settlement has cleared. I also contacted XXXX in XXXX about this matter and my account on my credit report. nothing has been resolved. This is my second attempt on settling this matter to remove my late payments on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

account Chicago car reported false information t my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts 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 XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a deposit at a branch location of Citizens bank to make my payment within the Grace period of my payment due date. I then made my payment online. When I went online to my credit monitoring service I saw that I was hit with a 30 day late for the account at citizens bank which wasnt late. I care a lot about my credit and am furious. 

Citizens bank made zero attempt to contact me and let me know of the issue, even though my contact information in my profile was correct, nor do they ever send paper statements. Last time I had this issue with them it was not posted to my credit report because they found the error was on their end, but this time they did report it to the bureaus and I am fed up with this misinformation on my credit.
Product: Debt collection

I have had several medical events from XXXX. XXXX , CMRE received medical debts from my provider XXXX  XXXX XXXX XXXX Many bills were in error and I had to dispute. The accuracies and verifications were never submitted nor did the hospital originally follow up or give me time to address debt balances left from insurance or payment plans. As it was during pandemic and my own illness prior and during time. I had to have a bill deleted, however in the meantime it had already dragged my credit down several points. I didn't know it was on the reports until i received monitoring due to breach of our information from a laptop from employer of my job. 

XXXX  XXXX XXXX underwent a merge of systems with XXXX XXXX XXXX. In the process, billing departments were and continue to be separate. I had 3 surgeries and other procedures. So I had onslaught of medical bills, and during the pandemic. I have asked the credit bureaus and collection agencies to delete the paid collections and a newest one was put on my credit and I told the lady I had to check the accuracy of my portion of bill. I paid it immediately within a 1 day of reported on credit. I have a concern when medical providers sell debts off quick and end up with scrupulous collection agents that hound and harass. The bureaus report when you attempt to address and dispute and sometimes restart debts. It is a vicious cycle for consumers who have had health challenges, employment and a fallout such as this health crisis we are in. I want the past medical collections deleted, due to the numerous issues. I have one in dispute with my provider and a collection agency that hasn't yet put on my credit, had I not been aware and starting to research these type of errors, then it would have resulted in more credit damage! 

Date ranges XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account doesn't belong to me. I have a court order Declaring me a victim of identity theft. As well as a document from the District Attorneys office. I've contacted Equifax and OneMain financial but yet Equifax continues to report even though they were provided a court order. The account that is incorrectly reporting is OneMain Account # XXXX the balance is reporting as {$5300.00}.
Product: Debt collection

DEAR CFPB : This matter is in regards of a debt collector that uses several phone numbers to contact me. I explain the debt collector that i need the fallowing information : 1 ) verification of the debt. 2 ) tp provide me with names and adresses of the original creditor. 3 ) tp provide me with days, dates, bills, from the original creditor. 4 ) provide me with the policy number on my insurance card. Further more i explain and i spoke with the debt collector male who refused to give me his name. And I told Him : 1 ) DO NOT CALL ME ANY MORE. Its against State and Feral laws. DO NOT CALL. 2 ) DO NOT HARRAS ME ANY MORE.3 )  DO NOT THRETENING ME ANY MORE. Date collector wrote me a letter XX/XX/2018. Date i wrote the collector answering Him : XX/XX/2018. Thank you. Very Truly yours ...
Product: Debt collection

Was served with a law suit on a debt that I had tried to resolve with no success due to the company not answering phone calls. I never received any documentation of this until they showed up at my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent letters off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third parties. 

These are clear violations of my federally protected consumer rights.
Product: Checking or savings account

Micro deposits were made into an account at XXXX  XXXX XXXX from Ever Bank, which was not authorized. This same method was used on a family member and then a larger amount of money was transferred from the XXXX XXXX XXXXXXXX account into an unknown and unauthorized Ever Bank account. They have had a difficult time recovering this from Ever Bank. 

Luckily we were able to stop any transactions going out of the XXXX XXXX XXXX account by seeing the micro transactions in time, but short of vigilant monitoring, is there a way to prevent linking accounts using these micro deposits?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies are NOT licensed in the state of Tennessee to collect debts of any kind nor report them on credit reports. I have proof listed below to confirm this information. Per the XXXXXXXX XXXX XXXX  website these companies DO NOT hold a valid license in the State of TENNESSEE. 
They are violating my rights as a consumer by reporting inaccurate information on my credit report. I did not furnish written consent of any kind to these agencies to report any debts. I have no knowledge of these accounts, any of the debt. 

The accounts and their account numbers are listed as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX ) Acct XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and there are accounts that are false and do not belong to me. I have no knowledge of these accounts.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 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 : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I got a phone call that the money I had just received from insurance company {$3400.00} ( due to some damage to my car ) was being flagged as suspicious and needed immediate action. The person who called me acting as a Wells Fargo representative knew my first name and told me that I needed to transfer the money to them because it needed to go under investigation. I truly believed him and since I knew the money I received was from an insurance company I had nothing to hide so I complied. The person told me to go into my mobile app and to type in confirmation number multiple times. As soon as I did that he hung up and I noticed my money was gone, I immediately told my wife about it and she told me it was a fraud. Within minutes we called Wells Fargo and reported everything. When we went back to check my mobile app I noticed that the XXXX transactions were made out to me with a totally different phone number but also had a different name enrolled under the description. The bank told us it would take at least 5 business days to get an investigation. But the letter we got back stating that there was no fraud has a date of XX/XX/year>. When I called to see what else can be done or if we can get documentation, the bank told me I should of gotten a letter in the mail but that was it and I never received any other mail or statements with proof that the bank used to determine it was not fraud. A couple days later my wife and my mother in law got automated messages from our bank stating that there was some scam and fraud going due to some compromised information, Yet they failed to realized that what had happened to me was also a fraud.
Product: Payday loan, title loan, or personal loan

I submitted to do an application with Heights Finance at XXXX XXXX XXXX XXXX, WI. I submitted an application the beginning of XX/XX/2021. I submitted a credit application over the phone with the employee, had a hard inquiry done. After I submitted all my information and was told I would hear back soon, I got a phone call stating that because my husband is currently an active military member I was unable to have access to any loans. I disputed this as I am the spouse and applied just in my name, with my own income and capacity to be lent to. I was told that did not matter, if any member of my household is XXXX XXXX I would be unable to do a loan. I called back in XXXX seeking a loan because my husband was home from the XXXX and was no longer XXXX XXXX, but XXXX XXXX. I was told again we would be denied because he is in the XXXX XXXX XXXX  they are prohibited from lending to any military member. I disputed this then got a call later from them stating I could risk having my credit pulled but if it showed XXXX XXXX then I would be denied. I was 100 % denied in XXXX and prescreened in XXXX for being a military family. I work in lending at the largest loan lender in the US. I am aware of XXXX and laws and regulations. I was NOT denied due to my credit standings, budget, etc. 
In XXXX it was simply XXXX XXXX spouse, and in XXXX I never went through with an inquiry because I was prescreened that I would be denied if he was still active. They first tried to deny because he is XXXX XXXX. But I disputed. They had no real knowledge of any military terms but only they were told by their District Manager that any military member is automatically declined. I got the opinion Heights Finance does not train their employees well in lending laws. 
To the best of my knowledge this is not OK to deny simply because of XXXX XXXX status. Please investigate to prevent others from being denied opportunities they should be entitled to. I do not understand how a company can flat out deny a military family member access to credit.