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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 and any 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

XXXX/XXXX Ive disputed many times in all agencies the 120+ days past due
Product: Debt collection

I am filing this complaint against Transworld Systems Inc. ( TSI ) for reporting derogatory information on my consumer reports without a permissible purpose and in violation of federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The specific issues are as follows : Transworld Systems Inc. has no lawful basis or permissible purpose for reporting on my consumer reports. I have not consented to such reporting, nor has TSI provided validation or proof of a legitimate obligation to justify this action. 

Failure to Adhere to FDCPA Communication Guidelines : TSI has failed to comply with FDCPA guidelines by continuing to communicate electronically with consumer reporting agencies, despite having no lawful basis to do so. 

Failure to Delete Inaccurate Information : TSI verified the accuracy of a derogatory account and failed to delete the inaccurate information from all consumer reporting agencies, as required by the FCRA. This demonstrates negligence in ensuring the integrity of the information being reported. 

Intentional Harassment and Abuse : TSIs actionsknowingly reporting inaccurate and unvalidated informationconstitute harassment, oppression, and abuse of my creditworthiness. This has caused undue harm to my ability to access fair and accurate credit. 

Lack of Validation and Proof of Claim : TSI can not provide a signed contract, agreement, or court order to validate the proof of claim regarding the alleged debt because such proof does not exist. Under the doctrine of estoppel, TSIs failure to provide validation invalidates their claim and any reporting associated with it.
Product: Debt collection

XXXX of this year I full my balance off at XXXX XXXX of {$1800.00} Check was date XXXX. As of today XXXX the balance is still showing on my credit report with Transunion. I have spoke with Transunion several times and each time I am told they will remove it. It still has not been removed.This is ridiculous we are going on three months now. I have proof that is had been paid and I want it off my credit report
Product: Debt collection

I filed a discrepancy several times through XXXX with the debt collector Columbia debt recovery the apartment charge me {$21000.00} which was incorrect, the rental leasing company stated that i had been renting a unit for several months after we had moved out charing illegal rent, I moved out and into house with anew lease I sent all this information along with police report that I filed for fraud. the company Columbia debt recovery hasn't done anything to take off my credit report.. I keep filling the same dispute with company and have not gotten a resolution.
Product: Consumer Loan

I purchased a vehicle from the XXXX drive time dealership and was cheated out of my money. I 've have had this vehicle for two years and was never provided a title. I have been basically bad mouth, insulted and mistreated by their customer relations department. I have now file a complaint with the state attorney general 's office as well as the department of motor vehicles and the XXXX and the CFPB. Your customer relations department never offered me an option and is now trying to settle under the table even though I 've requested an arbitrator to have this placed on record. After doing a vin check I found that the title has a lien against it. I have gotten multiple tickets and fines for failure to register the vehicle and was told by the state highway patrol to stop driving the car. Your dealership sold me a car even though my license was revoked and expired, took my down payment and had the XXXX fraudulently sign off on the deal. Drivetime never offered to put me in another vehicle, or fix the situation and in fact started to become rude as if I was bothering them. It was n't until I spoke with an Attorney, filed a claim with the state Attorney general 's office, the XXXX, CFPB and the department of motor vehicles thAt your customer relations department contacted me with a bogus offer. The offer was to return the vehicle and they will erase any dealings by removing the tradelines off my credit and any record of the sale. I asked about refunding my down payment and they basically started bad mouthing me as if I was ungrateful. Your company is trying to steal my money by taking the car back, erasing my good payment history, keeping my down payment and basically putting me on the street in a worst situation than I was in before dealing with them. I am asking you in good faith to refund my down payment and I will not pursue any other avenues. This has also been communicated to the local media as well.
Product: Mortgage

In XXXX Nationstar Mortgage company took over ( bought ) my Mortgage from XXXX XXXX XXXX. In XX/XX/XXXX they sent me a letter stating I did not have enough Flood insurance coverage to meet their requirements. I informed them that my agreement with XXXX XXXX XXXX stated I only needed XXXX % of unpaid balance. ( about {$57000.00}. worth of ins. needed ) They went and purchased Gap insurance without informing me. 
After numerous letters and phone calls with no resolution to the matter I had to get a lawyer involved. After receiving letter from lawyer proving they were at fault in the matter they cancelled the insurance and returned my money to escrow. Since that time they have done the same thing twice. Every three months I receive letter stating I do n't have enough insurance I have to go and fax papework ( which costs me money ). As of the writing of this letter they went and got me Gap insurance, taking the money out of my escrow account and raising my monthly payments. I have {$120000.00} worth of flood ins twice the amount needed. It is very stressful dealing with this company. If I speak to a representative I am told it was an error and will be taken care of. Nothing is done. Then I fax over letter from lawyer all mortgage agreement with XXXX XXXX XXXX and it is cancelled. This time after doing all the same nonsense they have not contacted me or cancelled the ins.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXXccount Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft AMEX Account Number : XXXX This is not mine. 

10. Identity Theft AMEX Account Number : XXXX This is not mine. 

11. Identity Theft AMEX XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX XXXX A Account Number : XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2019 I pulled my XXXX  credit report. I noticed two collections on my report from a Phoenix Financial Group a collection agency claiming to be collecting for a XXXX XXXX XXXX. One was for {$160.00} and one was for {$160.00}. I was completely unaware of owing any of these two groups any money for any services provides. I disputed these on my credit report and on the next morning XX/XX/2019 I called XXXX XXXX XXXX and they could not find anything on me owing them any money that had not been paid. I then contact Phoenix Financial Group and the lady insisted on me giving her my social security number. I was hesitant but she stated she could not look up anything with out it. So I did and she told me she could not find anything in her system that they had reported. I asked well why is there two collections on my credit report. She just stated on don't know. dispute it. I then asked her if she would send me an email that stated they have no collections reported on me. She stated send you an email that I have nothing in my system or in the office on you and I said yes. She just laughed and said she could not do that. Here is a group that is unconcerned that they have fraudulently posted a negative entry on someone's credit report and had no desire to correct the mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a year ago I filed a complaint on this site with Mariner Finance.  The dispute number is XXXX. They responded saying they would remove the late marks from my report ( attached their response ) They have yet to do so. They are still calling me to do additional business with me, but I do not trust this creditor.
Product: Mortgage

To Whom It May Concern- I received a letter from SLS indicating that they are the new servicer for my mortgage, however I did not receive a letter from XXXX XXXX Loans, the current servicer. I have been going back and forth with XXXX in getting a loan modification. They have been giving us the run around and now this. How can I get some assistance. XXXX did not even have the original note and now this new servicer does not have the note. 

Thank you. 
XXXX and XXXX XXXX
Product: Student loan

On XX/XX/XXXX, I applied for student loan forgiveness and consolidation. On XX/XX/XXXX, I received a qualifying payment letter from FedLoan that says they have evaluated my payments under the Temporary Public student loan forgiveness, I clearly have not. The letter says I have made 1 qualifying payment since XXXX! 

The letter also said that during the TEPSLF Waiver period that says if I consolidate, my payment count will start over. 

This letter is erroneous and is causing a great deal of borrower panic and dismay. 
Fedloan needs to give out correct information! 

I have called on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX and still my payment counts have not been updated. Still sitting at one! 
I have reached out on Fedloans XXXX XXXX and I get a generic response. 

Thank you!
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. C. 1681c-2 ) that you, The Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an installment account opened at XXXX XXXX XXXX XXXX XXXXXXXX ) on XX/XX/XXXX under the account number ( XXXX ), an installment account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened with XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number ( XXXX ), a credit card account opened with XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account with XXXX  on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened with XXXX XXXX XXXXXXXX on XX/XX/XXXX under account number ( XXXX ), a loan account opened with XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), a loan account open with XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), a line of credit account opened with XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX account number ( XXXX ), a collection account opened with XXXX, XXXX & XXXX ( XXXX ) XXXX XX/XX/XXXX under account number ( XXXX ), a collection account opened with XXXX, XXXX & XXXX ( XXXX ) XXXX XX/XX/XXXX under account number ( XXXX ), a collection account opened with XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) on XX/XX/XXXX under account number ( XXXX ), and a collection account opened with XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX under account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT WA S PROVIDED WITH A CEASE AND DESIST ORDER BACK IN   XXXX   XXXX   XXXX   . I N  XXXX    XXXX   I RECEIVED A INTENT TO SUE LETTER FROM  MIDLAND CREDIT MANAGEMENT. IN GOOD FAITH I SETUP PAYMENT ARRANGEMENTS OF {$15.00} FOR THE NEXT 10 YEARS. MIDLAND CREDIT MANAGEMENT HAS BEEN ACCEPTING MY C HECKS EVERY MONTH WHICH CONSTITUTES AGREEMENT OF THIS PAYMENT ARRANGEMENT. I RECEIVED A CALL THIS MORNING FROM  XXXX   XXXX  ADVISING THAT NO PAYMENT ARRANGEMENT WAS AUTHORIZED BY HIS OFFICE AND THAT HE WILL SEND MY CASE TO LITIGATION. I ADVISED  XXXX   XXXX  THAT 1. CEASE AND DESIST PREVENTS THESE PHONE CALLS. FDCPA  VIOLATION { $1000.00}. 2. BREACH OF PAYMENT ARRANGEMENT CONTRACT IS ANOTHER VIOLATION {$1000.00}. 3. THREATENING TO SUE WITHOUT MEANS TO SUE IS ANOTHER FDCPA VIOLATION {$1000.00}. 4. DEBT HAS NOT EVEN BEEN PROVEN TO BE MINE. 5. THERE IS A CEASE COLLECTION BAR THAT IS INVOKED ONCE A DEBT VALIDATION LETTER WAS SENT. I NEVER RECEIVED A RESPONSE TO THIS LETTER. 6. CREDIT REPORTING OF THIS ACCOUNT IS AN FCRA VIOLATION OF THE EARLY-WARNING NOTICE CLAUSE O F FACTA SECTION 623 ( A ) ( 7 ).
Product: Checking or savings account

On XX/XX/XXXX I made an ACH payment to XXXX XXXX XXXX  for a loan in the amount of {$4300.00}. When I looked at my account, I saw the funds were pulled so the next day I closed my account and opened another one for personal reasons. On XX/XX/XXXX, I received a call from the creditor stating they did not receive the money and it was sent back to TD Bank. I called TD Bank on XX/XX/XXXX inquiring about the money and I was given the run around for several hours. I was transferred to 4 different departments yet no one knew where my money was. I went to a branch on Tuesday, and a supervisor emailed the department holding my money requesting that they return it to my account. Still nothing. I called TD Bank today and now theyre telling me someone will get back to me in 24-48 hours. This is ridiculous. Its my money and theyre intentionally holding onto it for reasons I cant understand. I need that payment back as my next loan installment will be due in a few days. I cant understand why they cant just transfer the money back into my account. Ive been a TD bank client for 20 years, I have hundreds of thousands of dollars in multiple accounts with them and this is how they treat a loyal customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for an unidentified item on my credit report for the following : XXXX XXXX for {$65.00}. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. I have reached out to this company to no avail requesting information about this account and they can not give me anything. Please review and remove this fraudulent item from my credit report immediately please.
Product: Mortgage

My credit report was pulled by an Assurance Financial representative without my consent.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an Affidavit of Truth and an Invoice to Midland Credit Management, here is the tracking # XXXX, XXXX. I also sent an Affidavit and an Invoice to XXXX XXXX XXXX, XXXX tracking number $ XXXX. They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been constantly trying to get one closed item updated on all 3 credit reports. Account XXXX XXXX XXXX XXXX shows that my account was Paid as a chargeoff in which account was not a Chargeoff. I even contacted XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX and they also stated that it was not a chargeoff. They stated account was paid in full as of XX/XX/XXXX. On my credit report it shows as chargeoff with balance of {$540.00} being owed and that's not true. My payment history is not even showing on my report making it seem like I've never made any payments within the last 6 months before paying off account. XXXX XXXX XXXX also mailed me a copy of letter stating it was paid off in full. I will attached copy of letter for proof.
Product: Mortgage

I have an FHA loan with Freedom Mortgage ( the lender ). In XX/XX/year>, I received a {$28000.00} partial claim ( secondary loan ) from HUD. Freedom Mortgage had stated that this figure would reinstate my account through XX/XX/year>. They then confirmed in writing that the next payment was not due until XX/XX/year>, in the regular monthly amount of {$1300.00}. However, on XX/XX/year>, I instead received a monthly mortgage statement of {$1900.00} that added {$630.00} in fees with no explanation. Freedom had told me and HUD that the {$28000.00} partial claim was the right number to get me back on track for the regular monthly amount. I was prepared to make my regular payment, but I can not pay Freedoms new demand of {$1900.00} by XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy. 

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

CHECKED MY CREDIT REPORT AND NOTICED THESE FRAUDULENT ACCTS.    XXXX XXXX XXXX    Account Number: XXXX****   date opened XX/XX/XXXX  amount $XXXX XXXX XXXX XXXX  ACCTS    Account Number: XXXX**             date opened XX/XX/XXXX  amount  $$XXXX    XXXX    Account Number: XXXX****      amount $XXXX date  :XX/XX/XXXX   XXXX  XXXX    Account Number: XXXX****     date opened  XX/XX/XXXX    amount $XXXX XXXX    Date of inquiry: XX/XX/XXXXXXXX XXXX XXXX    Date of inquiry: XX/XX/XXXXXXXX    Date of inquiry: XX/XX/XXXXXXXX XXXX    Date of inquiry: XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I got an email from a loan company named XXXX. This email came XX/XX/2018 This is the mailing address they gave me XXXX XXXX Prosper Marketplace , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I never gave this company my SSI number and certainly never gave them permission to run my credit. 
This company did NOT have permission to run my credit. 
I ask this company show my application through them, signature and full SSI number authorizing them to pull my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX 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 without my written instructions