23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Let this serve as the last communication and my intent to file with the FTC if this complaint is closed without someone who can go back to the original complaint and see that you mixed up my social " AS YOU STATED IT IN PREVIOUS COMPLAINT '' see the attached screenshot of your response! You clearly responded with another social that was not mine and you refuse to delete this item as mandated by law. Your noncompliance with federal law is unacceptable. I have maintained detail records of my communications with you on this matter ; for the purpose of file a complaint with the FTC should you continue in your non-compliance. For the umpteen time the following information is being erroneously included on my credit report, as I have advised you on now six separate occasions over the last two years. You have failed to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) and now im to the point that I am tired of dealing with your company. So I tried to keep it professional with your company and allowed you to do the right thing.
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. 
Account name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account name : 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 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, credit repair services, or other personal consumer reports

I am a legal resident of Delaware and after doing some investigation on the company attempting to collect a debt. I discovered that LVNV Funding LLC. is not legally Licensed to collect debts in the state of Delaware.
Product: Mortgage

Unbeknownst to me my mortgage was transferred to another company. It is called Select Portfolio Servicing Inc . I was on auto pay with the prior mortgage company so I never opened the statement envelopes. I had always paid ahead and on time. I realized when my XXXX payment did not clear and I called that I had been transferred. 
I tried to go in to call SPS for an account number to get set up online. The 3rd party letter did not transfer from the prior mortgage company to the new. XXXX did that online. When I tried to make a payment it would not accept my bank. I have many autos coming out of this bank but this company would not accept it. I called and was told to make a payment over the phone they charge {$15.00}. That is rediculous. I am a first time customer. They wanted me to go through the bank and wire it. This cost {$35.00} and I feel a ridiculous response. So I contacted the XXXX  and SPS responded with some off the wall none relevant response. 
Because I am behind now and afraid they will take my house away, I opened an account with a new bank and attempted to go in today to make a payment. Even with this new bank I will be charged {$15.00}. 
Everything in the world is online now. I refuse to pay {$15.00} dollars a month to make a payment online. I refuse to set up auto pay until I have a better understanding of this company and feel confident enough in it. I unfortuantely had been through a horrible experience with XXXX XXXX  XXXX  so my confidence in them is very low. 
I call to try to pay over the phone and was told they would wave only this month but from now on it will be charged {$15.00} amonth. I NEVER agreed to this in any prior mortgage and they should not be allowed to add this fee without my consent. And now after this last phone call, being told I am delinquent with a terrible tone, and she hung up on me I feel this company is taking advantage of costumers. They should not be charging {$15.00} a month just because I want to press the button to send payment. I understand {$15.00} does not seem like a lot but right now I am sure you, as well as the entire world knows {$15.00} is A LOT right now. That is a gallon of milk and bread for my kids.
Product: Mortgage

on XX/XX/XXXXOCWEN FOTCED PLACED INSURANCE WITH XXXX AND XXXX XXXX XXXX XXXX WITH INFERIOR HAZARD COVERAGE ONLY, HAD A CLAIM WHICH WAS NOT COVERED AND TOOK A LOSS AND WAS NEVER RE-FUNDED, ON XX/XX/XXXX WE FILED CHAPTER XXXX CASE XXXX ADDING ALL 3 PARTIES TO OUR DEBTORS LIST AND NOW OWN US {$320000.00} IN DAMAGES PER TRUSTEE ON XX/XX/XXXX. XXXX XXXX XXXX OWES FOR POLICY XXXX XXXX, FOR LIMITS OF LIABILTY. 

THERE HAS BE SEVERAL CLASS ACTIONS OVER THE YEARS AND NEVER GOT ANYTHING.
Product: Credit reporting or other personal consumer reports

According to 15 U.S Code 1681s-2 ( A ) ( 1 ) which states a person shall not furnish any information relating to a consumer to any consumer reporting agency. Which shows by this law my information between creditor and I should be private and the information that was shared to and attain by this credit reporting company is a breach of confidentiality and which was done in a illegal manner. The information that they have and sharing publicly is without my consent and should not be made public. I do not want my information be shared by public company so I want every negative report be removed immediately because its ruining my public image. If not removed I will have to take legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax does not follow federal, state or local law in my state of Pennsylvania. 
It says I have 5 hard inquiries on my equifax report when I wrote, emailed and called customer service that deals with this. They didn't do proper investigation because it is pretty easy. I had a credit freeze on my report for year 's and that stops all inquirerys to happen. So how could that do any investigation when my file was froze. That isprettty easy to pull all 5 hard pulls when it was froze.?
Product: Debt collection

We am continually receiving calls from XXXX, Total Card, to collect a debt belonging to XXXX XXXX. 

My land line phone number, XXXX, used to be assigned to XXXX XXXX 's father, XXXX XXXX. I was assigned this phone number in XX/XX/2017 by XXXX XXXX. We get a call at least once per month from Total Card requesting to speak with XXXX XXXX. I have told Total Card numerous times that XXXX XXXX is no longer at this number and not to call. 

My XXXX sister resides with my husband and me, and she gets very important calls regarding her medical issues from her medical providers. Having to answer calls from Total Card causes calls from my sister 's medical providers to go unanswered because she or my husband and I answer all calls in the event the call is for my sister from one of her medical providers. 

We would like to have Total Card contacted and have our land line phone number, XXXX, permanently removed from their database as the debt being collected does not belong to anyone in our household and the phone number no longer belongs to XXXX XXXX 's father, XXXX XXXX, as it has been reassigned to XXXX XXXX to me. 

Thank you, XXXX XXXX XXXX XXXX NH
Product: Money transfer, virtual currency, or money service

We hired XXXX XXXX and XXXX XXXX XXXX Debt Collection to handle collection efforts for an outstanding account. In XX/XX/XXXX, XXXX informed me that he was receiving money and that he would be sending checks to our company within the coming weeks. Weeks went by and we received nothing. I followed up by e-mail and phone calls on numerous occasions. Many went unanswered. When XXXX did answer, he told me that the company was closed, they moved offices, there was a problem at the bank, etc. I spoke with the attorney for the case on XX/XX/XXXX and learned that Allied National received {$3400.00} to date. Allied National did not send any funds to us. When I spoke to XXXX again, he told me there was an issue at the bank and that he would get back to me within a couple hours. 10 days have passed and I have not heard anything else. I called and e-mailed XXXX XXXX on a daily basis. The attorney has been unable to reach them as well.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am seeking help about an issue about some account on my credit report that does not belong to me and I never made transaction with. I have already report this to FTC and should now being investigated. I am also asking your help to reach out to the credit bureau Experian to block this account from my report as per FCRas block information section.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account # XXXX Dear To Whom It May Concern, I send out dispute letters to XXXX, Equifax, and XXXX twice to address the accuracy of the credit report. And they keep stating everything is accurate, but its not. I also attached where it is not accurate. 
I am writing to report an issue with my credit report, which I believe is inaccurate. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I am entitled to an accurate credit report. However, the information provided in my report is not correct. 

I request an investigation and correction of the inaccuracies as soon as possible. 

Thank you for your attention to this matter. 

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

I submitted this dispute on XX/XX/XXXX of 2022 with the XXXX XXXX XXXX  and despite having a valid reason to remove this from my credit as minimal things like this have affected my life and chances of being able to do things needed to be done to move forward in my life at my age. I tried everything and the company refused to remove this from my report, so this was my last resort even though I did not want to take it this far and Im hopeful your organization will be able to get this settled so I can put an end to this constant worry and issue that shouldve been resolved a long time ago, I appreciate your kindness and helping this regard and please reach out if any more information is needed
Product: Credit reporting or other personal consumer reports

I have sent notarized letters to the credit agencies requesting verification of the accounts on the letters including a copy of my original agreement, an itemized breakdown of charges and proof or charge off notification that i never received since XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you again because I filed a complaint about Equifax on XX/XX/20 XXXX letting you know that Equifax continues to report fraud opened accounts on my credit report. The accounts for XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX   XXXX XXXX XXXX. All these accounts are FRAUD accounts and need to be deleted and BLOCKED from my Report. They responded saying that my information does not match their records but I have the same information that they just sent me a credit report to. I am asking again that these accounts be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently saw a copy of my credit report i see there are over 15 inquiries that i did not authorize furthwer more i reached out to these companies and they said they do not have any application with my name or social. Furthermorei have a security freeze on my account so these un authorized inquries would stop, here are the inquiries i have also attached a copy of my report
Product: Checking or savings account

I and thousands of other people are being affected by capital one 's negligence in handling of deposits. We always receive our deposits by Wednesday and it is now Friday, still no deposit. Our work has confirmed the payment and the pay stub is there for the deposit. Capital One would not and could not confirm when we would receive our money. This is terrible, we live pay check to pay check.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX  Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent a debt validation letter to the XXXX XXXX on XX/XX/2020 via certified postal letter # XXXX. I have attached that letter in which I asked for the following, The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide your license to collect in my state and your registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 

I was the sent a 50 page account of text and incoming/outgoing phone calls Made on the account. That said the last payment was made on XXXX XXXX. There was no contract between myself and the original creditor, no application For the account bearing my signature, no copy of the agreement between the original creditor authorizing XXXX XXXX  to collect on their behalf. The form they sent with their License to collect in states did not have Florida listed. I live in Florida. No prof that the statue of limitations to collect had not expired in my state. After contacting XXXX  the account was deleted from my credit report but is still active on XXXX  and Equifax. How can the debt be validated without this information? This violates my rights under the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. As per my recent credit report, there are multiple inquiries that I did not authorize. Below is the detailed list of these hard 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Furthermore, I have filed an identity theft report which is attached to this letter.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, per the Fair Credit Reporting Act section 611.

Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed by the credit provider in XX/XX/XXXX and has reported activity on my XXXX Credit report from that time through XXXX XXXX when I filed Bankruptcy. They are also reporting a late payment in XXXX XXXX when the XXXX was filed. The account had already been closed.
Product: Debt collection

The debt is incorrect and is over 10 years old it is over the statute of limitations. They are trying to sue me and garnish my wages. This debt was from Michigan over 10 years ago and the amount is over doubled the amount originally. And they have not provided proof of the original amount and date
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. 

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. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Student loan

The Department of Education decided -- without payee authorization -- to put loans in forbearance for all those who were " affected by the CA wildfires. '' However, they did this by providing a list of zip codes to the loan servicer without actually verifying whether or not I was actually impacted by the wildfires. I was not impacted by the wildfires and I did not want my loan put into forbearance. Because it was put into forbearance without advance notice to me and without my authorization, I now incur an additional month of interest, an additional month of payment, and I must serve an additional month in federal service to qualify for PSLF. 

This same thing happened to almost every military borrower in the XXXX XXXX metro region, and I am certain that many were unaware of the change. This causes an undue, unauthorized hardship.
Product: Credit reporting or other personal consumer reports

XXXXDEPT OF ED XXXX XXXX XXXX XXXX, MO XXXX XXXX Violated the PRIVACY ACT OF 1974 AND THE FAMILY EDUCATION PROTECTION ACT by providing my non public personal information to XXXX TRANSUNION AND XXXX and I'm sure multiple others that I have not tracked down yet. They stated that they would not provide any of my personal transaction history with any non affiliates or third-party companies. All of the credit agencies are non affiliates of XXXX/Dept of education.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, equifax, and XXXX has taken more than 30 day for my dispute a violation of the cra sent police report
Product: Credit reporting or other personal consumer reports

Based on, 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.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

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

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

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

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE. 
Resolution : Delete this these accounts unless you want to be held accountable for {$1000.00} per account