23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Violation of the Color of Law, there has NEVER been any lawful contract, agreement or obligation between this creditor and myself, if or when this creditor purchased the alleged debt without my consent, knowledge or approval, any and all obligations were satisfied under the TRUTH IN LENDING ACT, 15 USC 1601 and 15 USC 1602. If there was any language within the original contract, agreement, promissory note that would have caused me to unknowingly violate any of my rights then or now I rescind pursuant to 15 USC 1693l and 15 USC 1635. 

It has also come to my attention that the Attorney XXXX XXXX XXXX, XXXX on behalf of his client XXXX XXXX XXXXXXXX routinely and habitually violate federal law concerning consumers pursuant to the Truth In Lending Act and The Federal Arbitration Act ( FAA ). 

Both XXXX XXXX XXXX and their Attorney of Record XXXX XXXX, XXXX unlawfully defraud consumers and the United States by seeking and being granted default judgements against consumers knowing the contracts have a mandatory ARBITRATION CLAUSE. 

The " cover PERSON '' XXXX XXXX and their attorney XXXX XXXX XXXX, XXXX who they keep on retainer as a normal business practice run a ruse on the court by falsely and misleading representing to the court, that the court has jurisdiction while the attorney of record XXXX XXXX XXXX clearly knows it does not! The default judgement was only granted by the deceptive forms pursuant to 15 USC 1692j the attorney of record presented to the clerk of the court. 

See attached Loan Agreement and Promissory Note which clearly outlines ARBITRATION, which the attorney of record conveniently and purposely ignored informing the court. 

See attached Civil Action File by attorney of record XXXX XXXX XXXX, XXXX who purposely lied to the clerk of court in his filing by stating the Court had jurisdiction when it CLEARLY DID NOT!!!!!!
Product: Debt collection

In accordance with the fair credit reporting act XXXX XXXXXXXX system violated my rights under credit fair act on XX/XX/2019. I mailed them supporting documents that the information that was reported was inaccurate 15 U.S.C 1681 section 602. A. States. I have the right to privacy.

15 U.S.C 1681 section 604.. a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C 1681i all unverified accounts must be promptly deleted. If you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) .By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Please don't respond to my request by saying these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. The accounts are listed below XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are reporting a medical debt on my credit report from XXXXXXXX XXXX XXXX in the amount of {$880.00}. Ive disputed this debt over and over again and neither XXXX, Equifax or XXXXXXXX XXXX XXXXXXXX would provide me with the method used to verify this debt as accurate. It is unlawful to report a debt with a past due balance as accurate and it is causing me sleepless nights and stress. I have a ton of fcra violations as well as cfrs etc.
Product: Debt collection

I was contacted by XXXX XXXX  repeatedly ( probably over 2 dozen times ) about debt owed by my deceased mother ( amount : {$520.00} ). I am not legally next of kin as my parents were still married at the time of her death. She passed away on XX/XX/2020. In order to get them to stop pestering me, I emailed XXXX XXXX  and informed them that she had passed away, that I am not legally next of kin, and that I wanted them to cease all communication on XX/XX/2020. I attached a scan of a certified death certificate. 
They responded on XX/XX/2020, and demanded that I go to the nearest branch location with an original death certificate. 
I emailed back the same day and repeated : I am not legally next of kin, and I do not have an official death certificate, just a scan. 
They continued harassing me, sending me weekly debt collection attempts. Frustrated, I finally wrote " wrong address, return to sender '' on the mail received and sent it back. It was addressed to my mother, thus it was true : they had the wrong address ; she never lived at my home. 
The letters stopped for a while after that, but today I received ( addressed to my mother, again at my address where she never lived ) an attempt to collect a debt from Mirand Response Systems. XXXX was fully aware that my mother did not live at this address, and never had, that she was deceased, that I did not want to be contacted, that I did not have a certified copy of the death certificate, and even had record of the legal next of kin ( name and mailing address which was listed on the death certificate I sent them ) .XXXX  should have given this information to Mirand when hiring them to attempt to collect the debt. Mirand included ALL of the details of my mother 's debt in the correspondence. This is not permitted per the FTC. They have no legal right to contact me, discuss the details of her debts with me, or collect the debt from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I started receiving credit report information for a person named XXXX XXXX with the last 4 of his SSN being XXXX. The report said that his new address was now being reported as XXXX XXXX XXXX XXXX, XXXX, MA XXXX. 

No XXXX XXXX has ever lived at this address since I built this house in 1997 and have been the only owner since that time. My information is XXXX XXXX XXXX. 

I called the TransUnion number on the report 4 times and was handed off multiple times with offshore representatives and was told it would be corrected. Just this week I received more financial solicitation mail for XXXX XXXX at my home. 

I would like this corrected and TransUnion has been less than helpful and a drain on my time. Why is XXXX XXXX claiming my home address anyway? I would think that TU fraud would have looked into this.
Product: Debt collection

I moved into the XXXX XXXX apartment complex in the summer of XXXX. I began noticing inconsistencies in their contracts, verbal agreements and even in respecting our privacy. Many times the maintenance man brought people over to tour the apartment without giving us 24 hour notice or asking if we were comfortable. This individual has been accused of certain behaviors by my previous roommates, other tenants in the complex and myself. There were times things would be moved throughout the apartment that were not moved before, lights turned on that weren't before, etc. These would take place when no one would have been in the apartment for days at a time. During the summer of XXXX, XXXX was making it impossible for most of the world to be employed. Instead of understanding how I was one of the individuals that was unemployed and had paid my rent in advance, I wouldn't need to owe them any more money when it comes to my stay there. Many tenants had reported and still continue to report racial discrimmination issues with XXXX XXXX. I personally was charged double the rent of white tenants who had the same living situation as I did at the time. There were many false fees that they tried to charge me and my parents such as not having the apartment cleaned when I vacated the residents. I provided the company with detailed pictures of everything scrubbed and cleaned before moving out, I was then informed that I was lying about cleaning. This company NEVER takes responsibility for any of their actions especially when it comes to racial discrimminationn. The amount of times I have brought to their attention about the way they had made me feel or that their claims of owing them more money are completely false. There is a reason more people are coming forward about XXXX XXXX XXXX issues -- its a bunch of he says they say. There are more of them than he says. My credit is ruined because of the manipulation, violation of privacy and racial discrimmination that XXXX XXXX has placed on me and for that this complaint needed to be filed. They also took it upon themselves to forge my signature onto a new contract just to match what scam they were saying in the moment.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Complaint against XXXX XXXX for Reporting Inaccurate Information on My Credit Report Dear Sir/Madam , I am writing to file a formal complaint against XXXX XXXX regarding inaccurate information that has been reported on my credit report. I have diligently followed the necessary steps to address this issue, including disputing the account in question and requesting verification of ownership through a written instrument with a signature which does not belong to me along with details of the alleged debt amounting to {$5800.00}. Despite my efforts, I have not received proper verification or documentation that validates the debt 's legitimacy. My interactions with XXXX XXXX have been ongoing, and I have submitted multiple disputes regarding this account. On XX/XX/XXXX, XXXX received a response from XXXX XXXX in which they mentioned " verify '' without providing any conclusive evidence to support their claim of my indebtedness. I find this response unsatisfactory as it fails to address my request for concrete proof of the debt 's validity. It is crucial for me to stress that I am confident that I do not owe the alleged amount to XXXX XXXX. Their inability to provide the requested documentation only reinforces my belief that the reported information is inaccurate and unjustly affecting my credit report. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervene and initiate an investigation into this matter. I believe that my rights under the Fair Credit Reporting Act are being violated, and I seek resolution and rectification of this issue for the protection of my creditworthiness and financial integrity. Enclosed with this complaint, please find copies of all relevant correspondence, including the dispute requests I have submitted to XXXX XXXX and their response dated XX/XX/XXXX. I am hopeful that the CFPB 's intervention will lead to a fair and accurate resolution in this matter. Thank you for your attention to this pressing matter. I eagerly await your response and guidance on the appropriate steps to take in order to address and rectify this inaccurate reporting.
Product: Debt collection

I am writing to file a formal complaint against the XXXX XXXX XXXX regarding an alleged child support debt that has been erroneously reported to my consumer report. Despite my efforts to seek validation and documentation of this alleged debt, the XXXX XXXX XXXX has failed to provide any evidence or respond to my inquiries. As a result, I am suffering significant harm to my finances and credit profile. In XXXX of XXXX,, I submitted an affidavit of truth to the Child Support Division, as well as letters to TransUnion and XXXX in XXXX of XXXX, requesting validation of the alleged child support debt. In my affidavit to the XXXX XXXX division, I emphatically stated that I have never been legally ordered to pay child support and that there is no record of me appearing before a judge, or received a judgement order, court order for such an obligation. Additionally, I have never consented to, agreed to, or accepted any responsibility for child support payments. I have requested a judgement order, court order or any documentation that validates this alleged debt, but have been met with silence from the XXXX XXXX XXXXI also requested that the child support division explain how they obtained my name and address and social security number to report information to my consumer report as well as to cease reporting. The lack of response and the continuous reporting of this unverified debt have caused substantial damage to my finances and credit profile, hindering my ability to access credit and financial opportunities. It is also listed in my consumer report that a balance of XXXX is owed, but it also shows that payments have been made of {$200.00} a month consistently since XXXX. Well over XXXX but the balance still remains at XXXX. Everything is inaccurate and they continue to report inaccuracies to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking  fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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

My last two hard inquiries are incorrect. I did not apply for anything.
Product: Student loan

I took out 6 different student loans with XXXX XXXX XXXX XXXX while I was in graduate school from XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX These private student loans were taken out as direct consumer student loans, not certified by the school, and they were in excess of the federal student loans awarded to me by the school. After completing the XXXX XXXX program, I was gainfully employed and made good faith payments toward the 6 different private student loans ( serviced by AES ) from approximately XXXX through approximately XXXX. During that time period, I was laid off from my job in XXXX but still continued to make the payments for each loan. I contacted the servicer and tried to make arrangements to defer payments or lower the payments while I remained unemployed. The servicer denied my requests despite explaining my current financial situation. I was told private student loans do not have deferment plans or income-based repayment plans like federal student loans. By XXXX I had to sell my home just to continue making the loan payments and avoid default. My unemployment status had not changed and by XXXX, I could no longer keep up with the payments. I filed for XXXX XXXX bankruptcy in XX/XX/XXXX and the discharge was XX/XX/XXXX. I believe the private student loans should have been dischargeable under the XXXX XXXX bankruptcy order since they were Direct to Consumer loans. I am now being sued in XXXX XXXX XXXX XXXX by National Collegiate Trust for each of the 6 private student loans.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with them and they did not provide me with the original contract. Also, I received a letter from the CFPB stating that.it dosent appear on my Experian report but its showing on all my credit reports which already has been found as inaccurate
Product: Debt collection

Debt collector has violated FDCPA by failing to provide validation and history to an alleged collection account reporting on my credit report. After several attempts with communicating with the collection company and receiving no response for months, XXXX dispute still resulted in the company verifying that the information was correct but it is not. The debt was paid to the original creditor before any collections began.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out a 609 letter informing XXXX, XXXX  and experian credit reporting agency that the list of credit inquiries that I have written down were not requested by me. I asked them to investigate the issues and supply me with a written response and documentation on how they validated these inquiries within the next two o days. I have not received any information on this matter from any of the listed parties. Upon calling XXXX I was informed by one the the US supervisor that they do not validate inquires and that it is not their job. I then responded to her by saying " this is not the truth, it is on the credit reporting agencies to ensure that all information that is placed on a persons credit report must be accurate and that if a consumer has informed them of fraudulent information it is their job to pay investigate. ". Again she said no and that I need to either file a police report and or a complaint with the CFPB. So here I am filing a complaint because it seems that equifax knew that people 's information was compromised and did n't do anything after the fact.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a payment of {$900.00} on Ally 's website through their " XXXX '' feature. It is essentially a peer-to-peer payment system similar to XXXX. " XXXX '' has this nifty feature where you can delay the payment being sent, so I chose to delay the payment until the XX/XX/XXXX so I could confirm if the goods were sent or not. My payment ended up being taken and deposited with no goods or services provided. When I went to go cancel the " XXXX '' payment, the payment said it had arrived in the recipients bank account " within minutes '' of me hitting send ... .I then reach out to Ally to let them know of the situation and the representative has not a clue about " XXXX ''. I asked if it would be possible to initiate a chargeback considering I had sent the payment on the terms it be delayed until the XX/XX/XXXX and I confirmed the goods had been sent. After a brief hold, I am told to dispute the sent payment through XXXX and they would contact me within 10 business days about retrieving my money. Of course, 10 days later I receive a letter stating they can not help me retrieve my money since I initiated the payment. When I reach out to " XXXX '' customer service on the matter, they state it should only be used with people you know and that my bank would help retrieve my money. So here I am with both companies pointing fingers with no real information on where my money is and why they have no fraud protection on their services. A true disgrace that they implement a feature in their platform that has no regards of protecting their users and keeping their money safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX  XXXX  XXXX {$630.00} XXXX/XXXX   XXXX {$310.00} XXXX  XXXX {$8900.00} XXXX/XXXX  XXXX {$670.00}
Product: Checking or savings account

Chime offers a way to get car insurance at a lower rate. They mention in the application below the insurance charge that I made that says Get a Refund when your switch your car insurance. On XX/XX/XXXX, I clicked on the ad and it took me to XXXX which is a Partner of Chime that offers insurance options. I completed the sign up process and got a quote with a different car insurance provider and I switched. On XX/XX/XXXX I contacted chime and asked the how the process would work now since Ive completed the whole process. They mentioned that the refund was initiated. On XX/XX/XXXX I followed up on this request however I was mentioned that the discount was applied on the original quote, I then presented the screenshots from the previous date ( XX/XX/XXXX ) where Chime support said that the refund had be initiated but the rep on XX/XX/XXXX mentioned the following At this point of time we don't have such features to post the refund amount manually, otherwise I've done this earlies.. After Chine support wrote that, the conversation ended and no resolution was provided. The refund amount is {$250.00}. Time frame has past, no refund initiated and Chine mentioned that no refund is available. Lastly, the customer support was asked again if there will be a refund or not, it he ended the chat before answering.
Product: Credit reporting

While checking my credit report I cam across a debt from XXXX XXXX it is listed as a credit card debt. There is conflicting data regarding this account. It says in one area that it is open and in the other area it says it is closed and charged off and in collections. I have not received any notice from a collection agency regarding this debt. I would like this removed from my credit report as it is reflecting negatively on my credit score.