23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I requested that the company send me the requested information below within 30 days. The company failed to provide the information within the alloted time. 

1. Please state the name, occupation and mailing address of the person answering the following questions. 

2. Please furnish a copy of the contract which your company has with me in regard to this alleged debt. 

3. Please identify what you loaned to me. Did you loan me cash, credit, or a debt instrument? 

4. Please produce the account and general ledger statement showing the full account of the alleged obligation that you are now attempting to collect, verified ( sworn true, correct and complete ) by the party who made the entries.

5. Please identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

6. Please verify under penalty of perjury that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original creditor.

7. Please obtain verification from the original creditor, under penalty of perjury, that the creditor did not receive reimbursement from its insurance company in an amount exceeding the amount of the alleged debt, as is the customary policy of lenders ; or in the case of an alleged criminal judgment, verify via the courts fiscal office that the court was not reimbursed by an income stream resulting from the sale of bonds in the defendants name, as is the standard practice of courts.

8. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause with impunity.

9. Please verify under penalty of perjury that you know and understand that credit card contracts are a series of continuing offers to contract and as such are non-transferable.

10. Please provide verification from the original creditor that you are authorized to act for them.

11. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing which you know is false with the intention that others rely on the written communication to their detriment.

12. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes acceptance of my contract terms to pay me consulting fees of {$10000.00} per letter and {$10000.00} per phone call.

Disputing the debt, By __________________________ Agent without recourse
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 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: Student loan

This is a school debt from XXXX. It has been 7 years and should be removed from my account. In addition, this is a school debt that I am being forced to pay while I am still in school, and have been in school since XXXX. I want the account either updated to show that I have not missed any payments, but preferably I want it removed COMPLETELY from my credit report. Attached are letters proving that this is a federal loan, and this is the only federal loan that is not in deferment because UD sent it to a private debt collection agency pretending it was a personal loan borrowed directly from UD, when it was not.
Product: Debt collection

I was served an eviction  notice   XXXX   XXXX   and hired landlord tenant lawyer to handle my case which was dismis sed for lack of burden of proof with the stipulation I had to go thru a third party for anything concerning my apartment at  XXXX   XXXX   XXXX   XXXX .  XXXX ,  XXXX ,  XXXX . I locked myself out, had to have management let me in, eviction went thru because of this and I was evicted   XX/XX/XXXX .   Constable did not follow the law, moving company did not follow the public safety law, I am not legally responsible for attorney fees or court fees according to tenants rights laws. I have called every agency known to man to rectify this and hire a lawyer. All the  Bar Assoc. recommendations w ould not return my calls. Because of the abuse of tenants rights I am barred from getting housing. I am homeless, my property is in my storage but smashed and dumped by movers who demanded CASH to put it in my unit. Even though there are laws to protect me, there is  no one to le gally help me. As of this moment I am speaking to an attorney who said I should sue. Great where can I get a lawyer?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to have items verified to the credit bureaus and have not received a response. Letters were sent on XX/XX/2021 and items have not been verified or removed. Items have been listed as investigated, and has dropped my credit score but I have not received any notification electronically or by mail with an explanation. I have sent more letters on XX/XX/2021. I am looking to become a homeowner and this is really hurting my chances and hurting my scores.
Product: Debt collection

My name is XXXX XXXX XXXX and I am a XXXX XXXX XXXX. My son is also XXXX XXXX XXXX he is XXXX XXXX XXXX and we both live at XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/XXXX, my son went to XXXX medical services. They have charged my credit report for failure to pay this bill. I am a member of XXXX XXXX XXXX since XXXX and I have had medical coverage the whole time. When I called the Gold Key Credit Inc of XXXX XXXX. XXXX to explain they made a mistake, they told me I had to get my son to pay! I am estranged from my son. My Cell XXXX and email is XXXXXXXXXXXX. Thank you for your attention to this matterXXXX
Product: Student loan

I am a XXXX  and work for a non profit XXXX Ive been paying my loans since XXXX  and am trying to get information and help with student loan forgiveness or partial forgiveness and I keep hitting road blocks online and have sat on hold multiple times for more than XXXX minutes. I think I qualify for help but I cant get through to anyone snd I can only get so far online because the website is not accepting my information. I need help. I need to speak with someone and I XXXX sent multiple emails.
Product: Mortgage

The escrow portion of my loan was written up incorrectly, as my property taxes are paid quarterly and this information was given to the underwriter several times. Yet the loan was set up to pay the property taxes annually. The county tax collector 's office told me that any checks received for my property tax after XX/XX/2023 will not be accepted and mailed back. So I am now paying out-of-pocket for the property tax and making escrow payments for something Discover Home Loans is not paying. I have called several times over the last two months. No one has helped and my formal request to remove the escrow was denied. They refuse to rewrite the loan or put the funds back that were returned to them from the county tax collector. They tell me to refinance with someone else to fix this myself, but that I will have to pay them a fee in order to do so. I am happy to provide documentation if you are able to help address this.
Product: Credit reporting or other personal consumer reports

This complaint is regarding inaccurate/improper reporting of a charged-off credit card account ending in XXXX on my consumer report by XXXX XXXX ( XXXX XXXX  ). 

Under IRS guidelines ( IRC 6050P and IRS Manual 5.9.4.9 ), canceled or forgiven debts of {$600.00} or more are considered taxable income and must be reported on Form 1099-C. If this debt has been reported to the IRS as canceled, it is legally considered forgiven, and continued reporting as a charge-off on my credit report is both inaccurate and misleading.

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) requires creditors to ensure accurate reporting. Reporting a charged-off account as unresolved, when the debt has been treated as income and canceled, violates my consumer rights and creates duplicative harm. If the debt has been forgiven and reported to the IRS, I have not received the required copy of Form 1099-C as mandated by IRS regulations .

Failure to resolve this matter promptly may result in further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Sirs, Experian recently changed those services included within their free membership. Like XXXX and XXXX XXXX their free membership had included the ability to lock and unlock the credit report. This is an extremely valuable feature given the many varied methods by which hackers attempt to access ( sometimes successfully as was the case with XXXX ) your financial identity. Experian now believes it appropriate that they should be paid by the consumer to protect the information they have collected about that consumer. In an attempt to protect my personal information given Experian 's new position I would simply not authorize Experian 's collection of such information instead of paying them to protect the data. I do not believe my potential future creditors need access all three reports with one or two being sufficient. I believe the XXXX  should either assure the consumer has the ability to lock their credit report or provide the consumer the ability to pick and chose which credit agency they authorize to collect their personal information. If all agencies were to take Experian 's position the cost to the consumer in an attempt to protect their information would amount to {$720.00} / annum ... .no small amount when extrapolated over your financial life. 
In summary the foolishness of the system is ... ..An organization collects valuable personal information about a consumer without authorization ... ..consolidates such information into a central location with limited protection from potential hackers ... ..then tells the consumer if they wish to try to protect such data they will need to be paid {$240.00} / annum. Some would view such a scheme extortion. 
Thank you I hope you come to view this foolishness similarly.
Product: Credit reporting or other personal consumer reports

XXXX called and told be about an account I was unaware of so I pulled my credit report and notices the following inaccuracies on my report. 
Creditor Name : XXXX Account Number : XXXX Dispute Reason : Account not mine Creditor Name : XXXX XXXX Balance : {$640.00} Dispute Reason : Account not mines Creditor Name : LVNV FUNDING LLC Balance : {$4300.00}. 
Dispute Reason : account not mine Creditor Name : XXXX XXXX  Account Number : {$19000.00} Dispute Reason : Account not mie
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE IS NOW XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

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

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

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$2300.00}
Product: Credit reporting or other personal consumer reports

Filed Complaints within the United States Supreme Court and FBI. Involved SSA and Office of Inspector General. Provided Hardcopies to Congress Judiciary Committee and received ONGOING status or No reply just Remarks on Law Enforcement and Third Party surveillance. Illegal Activity and Political Corruption involving my Identity and Personal Data breaches including additional surveillance ( National Reconnaissance Office ). Banks embezzling funds and using fraudulent Credit scores for increased principal and Interest Rates. SSN is most commonly involved with everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Help Please! I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

UNKNOWN ACCOUNTS : XXXX XXXXXXXX XXXX XXXX Account # XXXX {$5000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I found out my account with PayPal was blocked. This is despite confirming my phone number as valid one and having used it in the past to contact customer service. The XXXX based customer service is not only unprofessional ( the background noise indicated party in the customer service center ) but was unable to address issues blaming it on the system. 
Question to PayPal is as follow : Why the PP CSRs are serving as human version of XXXX  without any capability/authority to address issues and inability to transfer to the US based customer service ?
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX GROUP XXXX {$51.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the following accounts below & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on the accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

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

i HAVE SEVERAL MEDICAL ACCOUNTS LISTED ON MY CREDIT REPORTS ( equifax, XXXX AND XXXX ) The accounts are from XXXX XXXX  and have been in DISPUTE FOR OVER 6 MONTHS. I have ordered my reports several times and the accounts just show as being disputed but they should have been removed.