23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

this debt collection agency that i have no relations with has been calling every week while i'm at work, I have all phone calls recorded to prove it but it will not let me upload them to this portal, they also got access to my social security number & information by committing Aggravated identity theft ( 18 U.S. Code 1028A ). I've reported them to the FTC as of XX/XX/2023, I also am reporting them to the attorney general, XXXX  and also the federal reserve. I have never stepped foot in their office or did any type of consumer transaction with this company, it's gotten to the point where if they continue with this my next step is pursuing legal action against them. they say they are acting on behalf of " another company '' which is an illegal tactic. to me it sounds like they sold this company a debt and now they are trying to ''collect '' said owing 's from me. 
they are a debt collection agency so i'm sending my debt validation demand through the portal so the CFPB can act as a third party witness. 


THIS IS THE EVIDENCE OF A DEBT I REQUIRE THEM TO SEND ME : Provide me with the production of the account and the general ledger statement. 
send me verification of your claim against XXXX XXXX, that is, a signed Invoice. 
provide me with a copy of the Contract binding both Lockhart , Morris & Montgomery , IncXXXX & XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. 
provide me with a statement admitting whether you are the holder in due course or whether you are a servicer. 
provide me with a statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
provide me with the identity of the true holder in due course for my loan. 
If the loan has been securitized, provide me with the name of the XXXX my loan was sold to. 
provide me with the XXXX  number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above and If you are UNABLE to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C - ARTICLE 3 3-301.

Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part ( b ). 

this debt is now officially in dispute. as of XX/XX/2023 I have no collection account from Lockhart , Morris & Montgomery , Inc. reporting on any of my credit files. 
By law, ALL COLLECTION ACTIVITIES must CEASE that includes reporting any negative reporting to any credit bureau until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to multiple fines by the FTC. 
In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any credit reporting which XXXX have been made in connection with this alleged debt. 

Thank you, XXXX, XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Mortgage

My Complaint is with LakeView ( XXXX ), for the following : 1. Unresolved Payment Issue 2. Dinking my credit Report 3. No customer service beyond the call Center to resolve my issue My Desired Outcome : 1. Allow me to set up Auto Draft starting for XXXX payment 2. Remove the dink on my credit Report On or around XX/XX/XXXX, I phone LakeView to notify the company we had to change our bank accounts, therefore the XXXX payment would probably bounce back. At that time I paid the mortgage again using the new account. 

I asked what would happen and the customer rep said the initial XXXX payment would bounce back and at that point the payment on the new account would go through and be applied for XXXX. 

BUT INSTEAD : Because the payment bounced back it was dinked as the second time in six months so now I am forced to pay by certified checks only ( costing me even more money ) until XXXX. 

a. On XX/XX/XXXX I called XXXX again with my concern since I still needed to make XXXX payment. I was told again that there would be no issue and until the initial payment came back, I could not apply another payment at this time. 

Apparently on XX/XX/XXXX, the initial payment bounced back and my online account was locked. I did not notice until XX/XX/XXXX when I went online to try and make the XXXX payment. At that point I called LakeView but due to high calls was on hold for 15 minutes at which point I opted for a call back. But the call back is anywhere from that time to the close of next business day so they may have phoned back and I missed the call. 

On XX/XX/XXXX I submitted an online message via company 's portal. 

On XX/XX/XXXX called XXXX and stayed on hold until I reached a customer Rep. She informed me that I could only make a payment via certified check due to having two reversals in six month period. I explained the issue, I described above in this letter, but she said there was nothing she could do. I asked if there was anyone I could speak to like a manager and she said no. I asked if there was a department I could contact where the decision was initiated and she said no. She did allow me to speak to someone in the escalation department about possibly processing my payment if I paid through XXXX. That person also said there wasn't anything they could do for me. 

I was given the corporate office address but told no phone number could be provided. 

On XX/XX/XXXX, I sent the XXXX payment via XXXX which was sent to LakeView within minutes. 

On XX/XX/XXXX, I called LakeView and was told XXXX was not received. When I gave the Rep. the Reference Number, she located the payment and said that they did receive it but could not post it until XX/XX/XXXX. So again, I complained that now my credit report would be dinked and she said Sorry. 

On XX/XX/XXXX, I also sent LakeView an escalated message via their portal. XXXX Ref I think it is a disservice that consumers have no one to turn to for issues as these when this firm is suppose to be one of the biggest in the nation. Please advise. 

Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to send a copy of my credit report with corrections. I have formally requested it, but it has not come. My request was delivered by certified mail on XX/XX/2023.
Product: Debt collection

Hello, I reviewed my credit account and saw THREE unknown medical bills from XXXX XXXX XXXX XXXXNTL RECOVERY AGENCY. I find that strange because I have never been to the hospital at this location and haven't been to the hospital in YEARS! Also, I have Medicaid so my expenses are always PAID IN FULL. I have attached an FTC for your review. It is illegal to report unknown theft accounts on a credit report. I haven't even received validation in writing. This is destroying my credit profile and buying power. I have even sent a dispute letter and it is a violation to ignore a consumer 's request!
Product: Credit reporting

This public record does not belong on my credit file. I have already had the public record from XXXX XXXX XXXX XXXX reviewed and it has been removed from XXXX and XXXX credit reports. Equifax is the only agency who will not remove the file. I have called them several times and no one is willing to speak with me about it. Please review this public record just as the other credit bureaus have and you will see it does not belong on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave Transunion any written consent to report anything on my consumer report. No consent is Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$0.00} XXXX XXXX {$700.00} XXXX XXXX  XXXX {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTIONS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, and Social Security Number for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following are inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX also this account : US DEPT ED XXXX, I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the summer of XXXX, hackers accessed Equifax 's system and compromised the personal credit information of over 100 million users. Equifax, failed to provide adequate cyber security throughout their computer system despite knowing the inherent value of the consumer information they possess. As demonstrated by the severity of this security breach, Equifax was absurdly negligent in properly securing the personal information of millions of consumers, and can no longer be trusted to act in the best interest of the American public. 

I am one of the victims of this breach. Equifax 's offer of one year of credit monitoring is a mere token of whats necessary to protect myslef. Equifaxs data breach is not something I can fix with a new password. For the rest of my life, I will need to watch my credit activity closely. I am XXXX, and I have family members currently in their XXXX. That means I will need to monitor my credit activity for the next 40 to 50 YEARS! 

Ironically, Equifax is happy to charge me for additional protective services, something I would not require if they had done their job adequately in the beginning. 

I demand that Equifax is stripped of their ability to provide credit reports in the future. Their negligence in this matter proves that they are simply unable to protect consumer data. Based on this breach, I do not believe any bank, other financial institution or business can safely rely on the reports that Equifax might produce in the future. Simply, Equifax can no longer be trusted. 

I further demand that Equifax provide a lifetime of credit monitoring for me and any other consumer who is likewise affected by the negligence of Equifax. Life-long credit monitoring - in reality - is the LEAST that Equifax should offer affected consumers. They were negligent, and they do n't appear to care the slightest about the people whose lives ' they have disrupted. They simply care about their financial stability, and how they can minimize the effect this breach will have on their profits.
Product: Debt collection

XXXX put a debt back on to my credit report because they said the " collector '' says that debt belongs to me with no proof. The original creditor sold my debt to AArgon Agency Inc for {$430.00} and now with interest the debt is {$470.00}. If I 'm not mistaken under the Fair Debt Collection Practices Act, if your debt has been sold that means the contract you had with the other company is voided. I already researched the original creditor writes off the debt on their taxes and then sell it to an Agency to make a profit even though the debt has been debted on that consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this late off my credit for several months. I have sent in 4 disputes and nothing is being done. I have sent in proof that I myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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
Product: Debt collection

On XX/XX/2019, I was contacted through mail from Rushmore Service Center on a credit card debt asking me to notify them within 30 days after receiving the letter so that I can verify if the debt is mines or not. I mailed them back certified and they received the letter on XX/XX/2019. I asked them to provide any legal evidence that I owe them, to show my contract that I signed with them, provide copied of the debt, proof that they are licensed to pursue the debt and their license number and I also sent a cease and desist letter so they would not call me. They did not provide me with their licence number, they did not provide proof that they are licenced in my state and they did not provide a signed contract that I have with them or the original company. They also typed up a false letter from " XXXX XXXX XXXX '' stating the information provided as validation of debt. XXXX XXXX XXXX sold the account so they will not be communicating with me. Rushmore Service Center did not provide me with a letter that they mailed to me on XX/XX/2019 explaining the " validation ''. They only sent a fake cover letter from XXXX XXXX XXXX and three statements from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Duty pursuant to the FCRA, it is TRANSUNION 's to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION, is reporting 1 inaccurate late payment for the XXXXXXXX XXXX XXXX account ending in XXXX. This includes a XXXX late payment posted in XXXX of XXXX XXXXhis is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experience between the consumer and the person making the report. A late payment constitutes a " transaction ''. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

Paid student loans in full in XX/XX/year>, XXXX never updated payment in my credit reports. I complained to experience, filled a dispute, but dispute did not get approved.
Product: Debt collection

XXXX send me to a collection agency Sunrise Credit Services, I talk to them I explain what happen. XXXX send me a Scan to return the phone I have the slip to probe they received the phone, but they still send me a bill for {$800.00} and I know the phone is already in use for another costumer.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : There is a need to ensure that a consumer reporting agency exercises their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of or if it is not there update it to the following information : 1.My Full Legal Name : XXXX XXXX ( Government I.D . attached ) 2. My Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX ( Proof of address attached ). 
3. My DOB as it is written on my government issued ID : XXXX Please delete all information in the employer section. 
Please update my Phone number : XXXX. Delete all other numbers. 
Please delete all other non- mailable addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses. 

DELETE these addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX XXXX. XXXX XXXX XXXX, XXXX, MA XXXX XXXX. XXXX XXXX XXXX XXXX, MA XXXX Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights it is direct violation of 51 UCS {$1600.00} and all its subsections.
Product: Consumer Loan

I have a lease with US Bank XXXX, I moved to Idaho from Arizona, it took me 10 plus phone calls and 2 trips to mvd to finally get them to release the title to the state of Idaho. This process took over 2 mths. A month later my stmt shows a fee of {$25.00} for title transfer. I called US Bank, they read through my file and cust serv rep said since they put me thru so much of a hassle they would waive the fee. A mth goes by, my next stmt shows the fee again. Again I call same response, we are sorry we will waive the fee. Another mth goes by, fee still on my mthly stmt. I give up and wait until my lease is nearing term, I call again, now I get another cust serv rep mgr ( who I asked for ) I explain my situation, they said they can see all I went thru to get the title work transferred but the fee is legit since they did transfer the title to the state of Idaho. I told them they promised to waive the fee twice and it never got taken care of. Cust serv rep mgr told me they are not going to waive it unless I have a written stmt from them stating that they were going to waive it. This conversation escalated into myself getting very angry, the rep was rude and told me that they will never waive the fee now! I told her I will NOT pay it and they better not put anything negative on my credit report. I have a XXXX plus score with excellent credit, I should be a customer they want to retain but this is how they treat their sat paying customers? This is a scam ... ... ..
Product: Credit reporting or other personal consumer reports

According to the fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers nonpublic personal information. The financial Institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX, whether it be verbal, non verbal, written implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting.
Product: Debt collection

Called aldous and associates multiple times saying I owe rent for a location Ive never signed a lease for and never lived at have no documentation of the original company who owned the debt or what it is for have disputed multiple times
Product: Student loan

Dear Credit Bureaus I hope this letter finds you well. I am writing to you today to humbly request that my late payments be removed from my credit report. I understand that these late payments have had a negative impact on my credit score, and I am doing everything in my power to rectify the situation.

Over the past few months, I have been working diligently to improve my financial situation. I have taken steps to better manage my money, and I am proud to say that I am now in a much better position to make my payments on time.

I would like to ask for your understanding and consideration in this matter. I am committed to improving my credit score and I believe that removing these late payments will be a great step in the right direction. 

Thank you for taking the time to read this letter. I look forward to hearing from you soon. Below you will find the accounts that need attention. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Reporting this collection account within my consumer/credit report is a form of communication. 
I, the consumer, have not given XXXX XXXX prior consent to contact me. 
In addition, I have sent numerous communications stating I am refusing to pay this debt. 
I, the consumer, never gave the original creditor, XXXX XXXX, Experian, XXXX, or XXXX written permission or consent to obtain my information or to furnish my information.