23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Direct Recovery Services has contacted not only me, but the owner of my home. A recorded message states that XXXX XXXX, and " the client they are representing is going to move forward with their complaint but I still have time to rescind the process ... '' the recording goes on with a number to call, XXXX. The recording never states who is calling, what it 's regarding, if they are trying to collect a debt or not..I did some research and found that Direct Recovery Services also has an address and phone number in NY ; Direct Recovery Services , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX. There are also two websites, www.directrecoveryservices.com and www.directrecoveryservices.org. Both sites are made with a " XXXX '' account which anyone can create if they want a URL. I am very suspicious of this bottom feeder collection agency ... And furthermore, I do not owe a debt. If you review the websites, you can see that this is not a legitimate organization. They have even copied the logos of the XXXX, XXXX and CFPB, to appear accredited and legitimate. ( You 'll find this on the directrecovery.com site ; the .org site says " member XXXX '' If they were part of the XXXX I would have easily found them on this site, but did not. I also checked XXXX, they are not listed. I am quite certain they are not accredited by the CFPB either.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a complaint with all three credit bureau and the information has not yet been corrected the loan balance s reporting incorrect please see attached statement balance highlighted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines . The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 


See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian XXXX XXXX
Product: Credit reporting or other personal consumer reports

During an Arbitration process XXXX and Equifax violated Federal Law by disclosing my private records without my prior written consent to XXXX XXXX XXXX of XXXX XXXX located @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is a violation of the privacy act of XXXX. Any authority that XXXX and Equifax thought they had is now removed and all companies should be penalized accordingly for violating Federal Law
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized hard inquiry that occurred without my permission on XX/XX/2022. I would need to know if this is a fraudulent issue. 

The inquiry was pulled from Bank of America - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All accounts with XXXX should be deleted. I have attached the XXXX forms fro all my XXXX accounts.

By law accounts given XXXX can not be reported on a credit report negatively.

Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCredit Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$10000.00} written off.

Status UpdatedXX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX   Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$7600.00} written off.

Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$3500.00} written off.

Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX  Account NumberXXXX  Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$26000.00} written off.

Status Updated XX/XX/XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. {$4900.00} written off.

Status Updated 1XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT ALL NESSASARY DOCUMENTS XXXX REMOVED ALL THESS INACCURATE ITEMS OFF REPORT XXXX  AND TRANSUNION STILL SHOWING THESSE ITEMS
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with " XXXX XXXX '' and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

Company : XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX To Whom It May Concern : Subject : Unauthorized Sharing of Information and UCC Violation in regards to two finding on my credit report for the amounts of {$1400.00} ( XXXX XXXX XXXX ) and {$1100.00} ( XXXX XXXX XXXX XXXX XXXX ) This letter serves as formal notice regarding the unauthorized disclosure and handling of my personal information. Sharing my information with consumer reporting agencies without my explicit consent constitutes an infringement on my rights under the Privacy Act of 1974, Section 3-202. 

I have never conducted business with nor entered into any contractual agreement with LVNV FUNDING LLC. Consequently, any claim against me by this entity is without merit. Furthermore, transferring a security or obligation does not confer rights to the transferee that supersede those of the original creditor. Under Uniform Commercial Code ( UCC ) Section 3-203, the rights of enforcement are limited to the transferor and do not extend to third parties unless certain legal conditions are met : Instrument Transfer : According to UCC 3-203 ( a ), an instrument is considered transferred only when it is delivered by a party other than its issuer for enforcement purposes.

Transferee Rights : Per UCC 3-203 ( b ), the transferee acquires only the rights held by the transferor and can not attain holder-in-due-course status if fraud or illegality is involved. 

Endorsement Requirements : UCC 3-203 ( c ) specifies that a transferee must have a specifically enforceable right to the transferor 's endorsement, and negotiation is incomplete without such endorsement. 

Partial Transfers : UCC 3-203 ( d ) states that a transferee of less than the entire instrument has no enforceable rights under the UCC and holds only partial assignment rights. 

Based on the aforementioned statutes, LVNV FUNDING LLC has no legal standing to pursue or report any obligations tied to my name. I demand the immediate removal of any information related to this matter from my credit file and confirmation of this action in writing within 15 days. 

Failure to comply with this request will compel me to file complaints with the Federal Trade Commission ( FTC ) and other relevant authorities. Additionally, I reserve the right to pursue legal action for any damages arising from the unauthorized use of my information. 

Thank you for your prompt attention to this matter. 

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

please remove these inquiries from my credit report ASAP XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX - XX/XX/2023 These Inquiries are not authorized
Product: Credit card or prepaid card

Synchrony has been calling me a minimum of 4 times a day 7 days a week. Including the XX/XX/XXXX and every Sunday
Product: Credit reporting, credit repair services, or other personal consumer reports

My payments were not late, and are being reported as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Bank account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions
Product: Credit card or prepaid card

I have always paid on time and never missed a payment. This is causing me a lot of XXXX XXXX XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Checking or savings account

I opened a checking account with BMO in early XXXX. The bank shared my account # with me which I used to repeatedly try to enroll in their online banking product. 

Upon opening the account I made an initial deposit of USD XXXX through my XXXX Checkings Account ending in XXXX. Since then I have been unable to log in to my bank account. I was unsuccesful in enrolling in online banking using the checking account # & my Social Security Number. I contacted the bank and inquired about this and how to resolve it, but after speaking with the customer rep for more than XXXX mins, I was unable to do so.
Product: Credit card

I have XXXX credit card accounts with Capitol One Bank for my company XXXX XXXX. I have paid XXXX of my account balances in full for the account ending in XXXX and the account ending in XXXX. Capitol One has official documentation related to my business and yet they have restricted access to both accounts without proper notice.
Product: Credit card or prepaid card

I was defrauded, extorted and held for XXXX  by a rouge moving company. 

I have attempted to resolve with Bank of America for fraudulent chargers since XXXX / XX/XX/2022. BOA has NOT responded, as I have tirelessly asked for explanations for documents and clarifications for what they need from me. 

They have not responded to calls, emails, texts, etc. A previous case worker kept saying she would email me and call me back and she has not responded. I have asked countless times to have the case worker in the fraud / dispute department working on my case to contact me to clarify what they need so I can give to them and don't get responses. 

I did NOT hire this company, they showed up demanding large sums of money more than Double what I agreed to. 

I have an email from the federal government stating that the rouge moving companies in question have committed multiple violations and misconduct in their investigation, yet my own bank which I have had for 20+ years is not even responded to me as I attempt to resolve fraud charges.
Product: Checking or savings account

1. The XXXX XXXX XXXX closed my account without notifying me the decision. And they did this exactly on the day after I emailed them checking about my account opening bonus status.

2. I have completed both requirements for getting the bonus but they simply avoided it by closing my account.

3. They won't reopen my account via phone and didn't give any explanation for why the bonus was forfeited.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX I JUST FOUND OUT WE WERE EXPECTING OUR XXXX XXXX, THE FATHER WAS KILLED. I DEVELOPED XXXX AND FROM BEING ISOLATED I FELL INTO A XXXX XXXX. THE XXXX XXXX ACCOUNT HAD GOT OVER DRAFT FROM ME DOING MY CHILDREN 'S FATHER FUNERAL, BUT I JUST REOPENED THE ACCOUNT AND IT STILL SHOWS ON REPORT. THE XXXXXXXX XXXX WAS NEVER USED, BECAUSE MY TV WASN'T UP TO DATE SO IT WOULD CONNECT AND AFTER I RETURNED EQUIPMENT. THE XXXX BALANCE IS FROM ME NOT BEING ABLE TO SEND OLD DAMANAGED DEVICES BACK, BECAUSE I HAVE BEEN IN THE MIDDLE OF MOVING AND JUST LOST MY NEPHEW, SO I'VE BEEN A LITTLE SLUGISH LATELY AND I STILL HAVE THE DEVICES I NEED TO GET SIM CARDS OUT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the " Fair Credit Reporting Act '', the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and have violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 states that I have a right to privacy.

15 USC 1681b ( a ) 694 ( a ) ( 2 ) states that a reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( c ) ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse information other than records of convictions of crimes not debt which anti-dates any reports by more than 7 years.

15 USC 1681s ( 2 ) ( a ) ( 1 ) states that a person may not furnish any information relating to a consumer to a consumer reporting agency if the person knows or had reason to believe that the information is inaccurate. ( Attached credit items have been reported incorrectly. Please delete these accounts properly. Thank you )
Product: Credit reporting, credit repair services, or other personal consumer reports

These two companies were filed on a bankruptcy and not removed frm my credit report : 1. Judgement case -- case # XXXX Filed -- XX/XX/XXXX Amount -- XX/XX/XXXX XXXX -- XXXX XXXX XXXX-XXXX  -- XXXX XXXX XXXX Court -- XXXX XXXX Court, XXXX XXXX 2. Judgement case -- case # XXXX Filed -- XX/XX/XXXX Amount -- XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX   Court -- XXXX county court ( XXXX ) XXXX XXXX Both cases were filed with a bankruptcy and granted at : Bankruptcy Chapter XXXX DISC case # XXXX Filed -- XX/XX/XXXXXXXX -- XX/XX/XXXX ATTY -- XXXX XXXX XXXX XXXX -- ( XXXX ) XXXX  Court-Federal District Court CASE # XXXX and CASE # XXXX are still on my credit report and need to be removed so I may purchase housing.
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 USC 1681. 
XXXX XXXXXXXX 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. 15U.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

My account with the XXXX XXXX XXXX and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 MONTHS REPORTING LATE 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 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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: Credit reporting or other personal consumer reports

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have  provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
Product: Debt collection

in reference number complaint with your agency COMPLAINT # XXXX XXXX XXXX and trying to still collect monies NOT owed. XXXX XXXX has already been paid in full on XXXX. XXXX XXXX keeps trying to extort monies from me and will not contact Equifax to inform credit bureau that debt has been paid since XX/XX/XXXX, XXXX continues to keep trying to trash my credit report by refusing to list the debt paid in full. Equifax is no better. they are conspiring with XXXXXXXX XXXXy to keep trashing my credit report right along with these XXXX XXXX fake collection agency. this matter has been reported to federal trade agency as extortion and fraud. Please demand this XXXXXXXX XXXX  update its info o n my credit report asap. Requesting info on XXXX XXXX  collections to start civil litigation against this collection agency asap. As far as Equifax I have contact higher credit authorities because your agency did not one XXXX thing to enforce your laws against unfair credit laws act.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

XXXX XXXX XXXX - XX/XX/2016 - This Credit File does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed discrepancies on my consumer report and they were not removed as they should have been.
Product: Credit reporting or other personal consumer reports

I went to XXXX website to ask them if they would remove the penalty for a late charge since I paid my balance in full. They said that they would but its yet to be reflected on my credit report. Several times Ive opened a dispute with TransUnion but no one ever reached out to ask me for proof nor was I given clear instructions on how to submit proof to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX inappropriately obtained my credit information from one of the three credit reporting agencies despite being on all three 's no-contact/opt-out listing for almost two years now. Attempted to resolve the issue with the company directly, then through the XXXX XXXX XXXX, but I continue to receive unsolicited offers of credit from XXXX XXXX XXXX in direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not my account I'm just seeing it on my credit report