23daVinci/CFPB_Complaints huggingface dataset:
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 consumers rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account with out 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

In XX/XX/2019 I began receiving calls from Midland on Sundays after hours regarding a debt. I asked them to only contact me via mail. In XX/XX/2019, I received a bill from them offering a settlement for a debt to which I followed up with a dispute and validation request only to then receive a new bill with Midland acting " confused '' as if they were unaware of what I am disputing and also refusing to investigate until I provide documentation demonstrating errors. While speaking to a representative over them phone about information on their website, the representative became aggressive and demanding that I make a payment before hanging up. The representative informed me that if I did not make a payment with him, he would not be able to help me and that I could not call back in and get a new deal because he would not be there. I informed him that I would not make a payment until I received proper validation that this was in fact my account. In XX/XX/2019, I received another bill with false statements alleging that I agreed to a payment agreement. I followed up with a letter to the company stating that I in fact did not make any agreement with them neither did I make any claims to the account and requested to have this allegation removed and once again requested proper validation of the account and not another bill printout as the FTC states that itemized bills are not a valid form of validation. 

After several request for validation and investigation methods to both the credit bureaus and Midland, I have yet to receive proper validation. Instead I continue to receive bills and aggressive sales representatives pressuring me to pay a debt that they refuse to properly validate. I have disputed the accuracy and validity of this debt. Section 623 ( b ) ( 1 ) ( A ) of the FCRA makes it unlawful for creditors not to conduct a reasonable investigation of disputed information upon receiving notice of my dispute.
Product: Payday loan, title loan, or personal loan

Visited Ashley XXXX XX/XX/23. Purchased a power lift recliner ( XXXX ) online inside the store ( chair unavailable in store ). Recliner delivered XX/XX/23. One hour after delivery, noticed the arms of the chair wasnt secured to the seat of the recliner, leaving a huge gap between the base and back of recliner ( a dangerous safety hazard for my elderly mother ). Contacted XXXX the delivery guy, stated would get with warehouse manager, if an associate could come by. On XX/XX/23, contacted the protection plan, informed of defect and a ticket was created. On XX/XX/23, XXXX came to home, attempted to close the huge gap, stated chair assembled correctly and agreed defect in the recliner. On XX/XX/23, associates attempted to deliver and 2nd recliner, assembled chair outside of home and XXXX chair had the same defect as original. Both defected recliners were loaded onto truck # XXXX @ XXXX. An hour after the unsuccessful delivery and return of the original defected recliner, I received a call from XXXX who wanted to make another appointment for a 3rd delivery. I informed the associate the recliner ( XXXX ) has a manufacturer defect and I did not wish for another delivery of the recliner. I also informed her the store had no recliners in house that would meet my needs and I would like a full refund of the defected recliner. XXXX apologized for the issue and stated she would put in a ticket for a refund and it may take 30 days for the refund to be credited back to my account. Several hours later, I received a text to reshedule a delivery. On XX/XX/23, I received another text and a call to reschedule a delivery. I informed that associate, I would not be purchasing a recliner and was awaiting my refund, the associate apologized and stated she would note this and I should no longer recieve any text. On XX/XX/23, I received another text to reschedule a delivery. I made 2 phone calls to customer service and spoke with XXXX and XXXX and requested that the text cease and inquired about my refund. I was informed by both associates that XXXX does not do " refunds '' and I needed to reschedule a delivery. I informed both associates again that I was no longer in possession of the recliner, the recliner was defective and a huge safety risk because of the defect that could cause a severe injury to my elderly mother. Unfortunately both associates continued to give me the same script. XXXX states it has a 30 day return policy on defective purchases made online and in store. This recliner was ordered online inside the store by XXXX.Please note the recliner was XXXX, 5 year protection plan XXXX, delivery XXXX and taxes XXXX, total cost {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent each credit reporting agency ( Experian, XXXX, and XXXX ) a letter ( per their request ) requesting my consumer report, consumer file and investigative file. AS of XX/XX/2021, I have not received any of the 3 documents I have requested.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX  ( XXXX ), KeyBank, and XXXX XXXX for multiple violations of federal and state consumer protection laws in connection with fraudulent debt collection, securitization violations, and continued reporting of charged-off debts that are legally uncollectible.

1. Attempting to Collect on Debts That Were Securitized & Discharged The debts in question were charged off, transferred into a trust, and securitized, meaning XXXX, KeyBank, and XXXX XXXX  no longer have any legal ownership or standing to collect. 
Per UCC Article 9 & federal securitization laws, once a debt has been transferred into a trust for securitization, the original creditor no longer has any right to collect or report it unless it repurchases the debt ( which did not occur ).

Despite this, the banks have continued to attempt collections and to report these accounts as outstanding, in violation of 15 U.S.C. 1692e ( False or Misleading Representations ) under the FDCPA. 
2. Failure to Validate Debt Under FDCPA & FCRA The Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) require that a debt be validated upon request.

These banks have failed to provide a proper chain of title or verification of the alleged debts in compliance with 15 U.S.C. 1692g ( Debt Validation Requirements ).

Without a lawful assignment or proof of ownership, these debts must be permanently removed.

3. Continued Reporting of Charged-Off & Securitized Accounts as Delinquent Under 15 U.S.C. 1681s-2 ( Furnisher Responsibilities ), a creditor may not furnish inaccurate or unverifiable information.

These banks continue to report these debts as past due despite them being fully charged off and sold.

This constitutes reckless and willful misreporting under 15 U.S.C. 1681n, making them liable for damages.

4. Violation of the Truth in Lending Act ( TILA ) & Fair Credit Billing Act ( FCBA ) By continuing to misrepresent the status of these accounts, these entities have engaged in deceptive lending practices under 15 U.S.C. 1601 et seq. ( TILA ).

These banks have also violated 12 C.F.R. 1026 ( Regulation Z ), which mandates clear and accurate account disclosures.

5. Unlawful Attempt to Collect on Discharged & Time-Barred Debts Under state and federal laws, charged-off debts that are time-barred can not be collected on, sold, or reported as active delinquencies. 
The FTC and CFPB have fined banks for this practice, yet XXXX, KeyBank, and XXXX XXXX  continue to engage in it. 
This is a clear violation of the FDCPA, FCRA, and various state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}, which are UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XXXX XXXX, 2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Debt collection

I contact the company that representing this collection account I try to negotiate a offer to pay this account all at 50 % and they refuse they are saying that is showing for collections account and its only showing three collections account on my credit report this is affecting my credit and Ive been trying to get this taken care of for several years and theyre charging me a daily feed it only showing three collections account and theyre stating that is a total of seven its not seven showing on my credit report is only showing three I am trying to pay this accounts off
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 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 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 or other personal consumer reports

Transunion, XXXX, and XXXX refused to accurately investigate or remove inaccurate accounts from my credit report as follows : XXXX XXXX with account number XXXX XXXX XXXX  with account number XXXX XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX  with account number XXXXXXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX with account number XXXX All of the above accounts are reporting inaccurate information and contain different information in all 3 bureaus, which violates 15 USC 1692e.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Platinum Holdings Group is pretending to be a law firm named XXXX XXXX XXXX. They are calling and threatening to sue and/or garnish wages. They are calling and harrassing myself and my family. On XX/XX/2019, I received a phone call from an unknown number. Someone claiming to be XXXX XXXX at the mediation office of XXXX XXXX XXXX needed me to call them due to a breech of contract. I also receive texts and phone calls from family because these individuals called family members as well. I call them back and they tell me I owe {$730.00} for a payday loan with XXXX XXXX or they are going to serve me court papers and garnish wages. I tell him I have already paid it and he stated that the company I paid is not in the chain of command and it would have to be paid again. He tells me XXXX XXXX XXXX is suing me on behalf of Platinum Holdings group and I need to resolve the debt. I hang up and call XXXX XXXX, they tell me they dont know who this company is and they did not sell the debt to them. I call back and a lady answers stating that Platinum Holdings owns the debt and I have to pay it again. She gives me a phone number for Platinum Holdings Group. I call the number and the guy tells me he doesn't care if I have paid the debt or if I have proof, XXXX XXXX XXXX are suing me for the debt. I call XXXX XXXX XXXX back and am told that for {$700.00} I will not be sued. The original loan was {$300.00}. They ask how much I can afford to pay right away so I said {$350.00} on XX/XX/19 and another {$350.00} XX/XX/19. I ask the guy, XXXX, how do I know if this is going to be resolved because I paid it last year and now im having to pay again he said he would send me a payment agreement email, they couldn't send via mail. Later that night I read the email and it looks suspicious. So I check the California Secretary of state site to see if XXXX XXXX XXXX is an actual company and it doesnt exist. I XXXX   them and find nothing. I search for the address on the letter and its a virtual address, not real. I call them on XX/XX/19, and ask who the attorneys are that own XXXX XXXX  XXXX. XXXX asks why I am needing this info. I then tell him I need to cancel my payment. He transfers me to " XXXX XXXX '' who threatens me and yells at me and tells me they verified my employment and are going to garnish my wages. 

This company contacted me about this last year using the same tactics. This is harrassment and I will be reporting them to the state attorney general for unauthorized practice of law.
Product: Debt collection

I am filing this complaint because SYNCHRONY BANK does not meet any of the requested documentation required to satisfy validation of debt. How does this computer printout prove that this debt belongs to me? They still have not complied with the XXXX. They only forwarded a portion of the documentation requested and required by the XXXX. It shows nothing but my name, address, and transaction history with dollar amounts. But I do not see my signature here or any of the other items requested from this bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX 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 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

I have notified Experian back in XXXX of 2016 and even sent them a certified letter, which they received and signed for through the USPS, notifying them that the inquires that were listed on my credit file with their company was never authorized by myself, and that I wanted them removed immediately, if they were unable to justify that I gave these companies permission to pull my credit report with a document baring my signature. Experian has failed to provided me such valid proof baring my signature that I authorized these companies to pull my credit report, and Experian has also broken the FDCRA federal laws for reporting such fraud information on my credit profile. I have allowed them nearly three month to rectify this situation and they have refused to correct it. I have also notified each agency/company listed on the letter that I sent them and the companies have also failed to send me the information that I requested. This information is false and was not authorized by me and it 's affecting my credit rating and I want all of the inquires removed from my credit file associated with my social security number immediately!!!! I am trusting that your government organization will enforce the laws that protect us consumers!!!!
Product: Debt collection

XX/XX/2012, the person at this number called my job. Call center at my job answered. The person told the operator that they were talking to me and got disconnected. The operator placed this person on hold and call me. He stated the person on the phone stated they were talking to me and got disconnected. The person side their name was XXXX. He placed me on hold the get more information. He returned to the line and stated the person was rude. I told the operator to transfer this person to me. I accepted the call the person stated, I knew you knew I was. I stated I did not. Person asked if my name was XXXX XXXX and said yes. The person if stay the address which he or she repeated and no because was not my address. They proceed to say you know I am and why am calling and I stated I do not. After this person got very rude at which I told them I dont know who they and please do called my job again. And they did, I would call the police report for harassment and hung up the phone. About five minutes later my husband called asking me if I know someone named XXXX and that he needed to contact me and have me give them a call. He stated that person read off several other people phone numbers that had which was my mother-in-law, my daughter, and a relative. 

I googled the number and is listed to XXXX XXXX XXXX. I have not applied for anything from this company. About two months my identity was stolen. I discovered this when I received an email from XXXX XXXX stating two computers had been shipped. I filed a police report and have been in the process of making sure I am reviewing my credit reports and notifying my credit card company and bank. So I dont know if this is someone using my information.
Product: Credit reporting 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. 

XXXX XXXX, Acct. # XXXX XXXX Acct. # XXXX, has violated my rights. 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furbish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following information, other then records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 in inaccurate.
Product: Credit reporting or other personal consumer reports

The account is not mine, the information provided by the creditor doesn't match my Identification Card. 

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

I wrote to the creditors listed below, demanding an investigation into issues I believed were erroneous and falsely reported. To far, I have not got an answer. I feel this is not just a stall tactic on their part to allow an additional XXXX days to comply with my original request, but also a blatant breach of 15 U.S. Code 1681i - Procedure in case of disputed correctness.

Your credit reporting agency has been reporting erroneous and incomplete account information on my credit report. I am concerned that the aforementioned erroneous accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit information they provide and may be held accountable under 15 U.S.C. 1692g debt validation.