23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XX/XX/XXXX I went to the local XXXX store to upgrade my cell. The salesperson said they had a special for upgrading to include 2 tablets. I really didn't want or need the tablets but agreed to try the new cell ( I opted for 2 upgraded phones ). A week later I decided I didn't like the new cells and didn't want the tablets ( didn't use them, still in box, but salesperson insisted on activating the tablets ) I returned the tablets & phones to the store and was given a device return slip for both tablets and the phones were just an exchange for 1 upgraded phone. I also called XXXX and they saw that the tablets & cells were returned and gave me a credit for the early termination of the unwanted tablets & phones. I was told this wouldn't be a problem as they had an exclusive " holiday return from XX/XX/XXXX to XX/XX/XXXX '' and I wouldn't be responsible for an early termination. Well then a few months ago I started to received messages on my new cell ( new # was given to me when I got the new phone ) The messages asked that Aldous & Assoc be contacted and they were trying to collect a debt. I couldn't understand why as I was told & received the return device receipt and assured by XXXX nothing was owed. The cell messages from this firm were on a weekly basis and I had my husband speak with the " law firm/collection '' company. They were rude to him and began yelling. My husband asked them to send a verification of debt, they said they had but the address they had was not even correct. We gave them our current address and they denied receiving anything. Called them back and they said to send a self stamped address envelope with proof of the cancellation & return of the devices, which we did. Last week another call came in asking us to call again, then a letter saying we owe {$600.00} ( down the from {$700.00} ) they said we owed for the tablets. The last paragraph stated " At this time no attorney with this firm has personally reviewed the particular circumstances of your acct ( which the acct # was also wrong ). 
So if they haven't reviewed our XXXX device return receipt and the account is wrong, why the abusive phone calls and letters with incorrect information. This is very disturbing to be accused of a debt that is totally wrong. This law firm/collection company has multiple complaints ( over 183+ ) saying the same thing and threatening to take people to collections without reviewing the information sent. This is being labeled as a " Scam to collect debt '' by using tactics that are illegal. I wish to have this reported and an investigation done on the unfair credit practices they have tried to get away with. Totally unethical business practices and needs to be stopped.
Product: Credit reporting

I been Disputing to Experian the following Inaccurate, Obsolete and Outdated Information on this accounts:1.XXXX # XXXX.XXXX # XXXX.XXXX # XXXXFor the pass year. Please investigate Under CFPB Rules and Under F.C.R.A ( 15 U.S.C Secretary 168i ) and Corret the Erroneous marks on my credit report.
Product: Debt collection

I have sent 3 separate verification letters to Midland credit management asking for documents that can verify the debt is owed by me, date of purchase with purchase agreement, contract that i signed with original creditor. they CAN NOT supply the requested information. they made a letter saying they bought this debt and added a screen shot of an old bill, an old bill screen shot is not verification. They are claiming I have 4 accounts with them and can con provide me with proper documentation. They are reporting on my credit report and hurting my good name.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Experian XXXX and XXXX I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX ; Experian and XXXX are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Product: Credit reporting or other personal consumer reports

This account was opened on the following date : XX/XX/XXXX2015 there are no on time payments form XX/XX/XXXX2015 to XX/XX/XXXX2018 this is inaccurate payment history reporting.The information regarding this account fails to report completely I do not see the monthly payment, terms, past due, date of last payment, date of the first delincuency and date closed being reported. Please provide the information or take this account off of my credit report : XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX By the provisions of the fair credit reporting act I demand remove any information that the creditor can not verify I understand that under 15 USC Sec 1681 ( a ) you must complete the reinvestigation within XXXX  days.
Product: Mortgage

On XX/XX/XXXX, XX/XX/XXXX Governor XXXX XXXX signed a bill to be effective immediately, applicably to be set in motion cases XXXX XXXX forward which states in part : OCGA 16-8-104 Residential Mortgage Fraud ( 5 ) Files or caused to be filed with the official registrar of deeds of any county of this state any document such persons knows to contain a deliberate misstatement, misrepresentation, or omission, OCGA 16-8-104 Criminal Investigation and prosecution District Attorneys and the Attorney General shall have the authority to conduct the criminal investigation and prosecution of all cases residential mortgage fraud under this article or under any other provision under of this title.Nothing in this Code section shall be construed to preclude otherwise authorized law enforcement agencies from conducting investigations of offenses related to residential mortgage fraud. 

Thus we have stood on premises of this proclamation yet there is no clarity revealed in the processes sent forward whereas 13 to 14 banks have been involved in this merry-go-round.In our files the loan numbers are as follows XXXX- XXXX, XXXX XXXX, Bank of America NAXXXXXXXX XXXX XXXXXXXX XXXX XXXXAnd now we are told that XXXX is once again proclaimed to the party of the property.How SO.Therefore it is concluded that all assignments are valid and in order.Not So! 
We realize now that EXCEPT AS MAY BE NOTED HEREIN, THIS IS TO BE ACCEPTED AS A QWR TO VERIFY A DEBT .ANY INFORMATION THAT WE HAVE OBTAINED WILL BE USED FOR THAT PURPOSE. The above referenced numbers is in a clouded title therefore there is no Perfect Chain of Title and your claims and all charges as the date of this letter XX/XX/XXXX is in dispute with all recorded records that are recorded in the Superior Court of XXXX XXXX and all the recorded records that are in our possessions.We want to know who was or is the Master Servicer involved in the transactions of our loans concerning the 13 or more institution recorded in court and the loan origination as the dates were changed and that our original loan was a repurchase.We have also concerns there there is fraudulent activities between all parties involved with our loan, this also includes the XXXX XXXX XXXX XXXXXXXX XXXX, XXXX as well as XXXX XXXX XXXX XXXX XXXX as Trustee who is recorded in court documents.Be advised that we dispute the validity of this debt and a great portion thereof. We are exercising our rights to rescind loan under TILA VIOLATION as well as all assignments involved with our loan and we understand that XXXX was not a party in this Loan .In God We Trust XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX at Experian on XX/XX/XXXX about a unauthorizes account that appears on my credit report, I request the following to be delete and removed off my Experian credit report : " XXXX XXXX XXXX " account # XXXX open on XX/XX/XXXX in the amount off {$390.00}. I did not authorize any of ths account. I am requesting that the above unauthorized account be removed immediately from my XXXX  credit report due to my identity been stolen.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Affirm, Inc/Affirm Holdings , Inc. regarding negative remarks on my credit report without my consent, citing violations of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. Specifically, I reference the following sections of the FCRA : * 15 USC 1681a ( 2 ) ( A ) ( i ) - Exclusions : " A consumer report does not contain a report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Late payments and credit utilization would fall under the category of experiences, and, therefore, their inclusion on my credit report is in violation of this provision.

* 15 USC 1681a ( 3 ) - Unauthorized Reporting : Affirm assumed the role of reporting my credit information without my explicit permission or consent. This action infringed upon my right to privacy, as outlined in 15 USC 1681a ( 4 ). The company also failed to exercise its responsibilities fairly and impartially and did not have a permissible purpose under 15 USC 1681b ( 2 ) ( A ) to furnish this report, as I never instructed them to do so. Affirm had violated & continues to violate my consumer right to privacy.

* Affirm is also in violation of 15 usc 6802 ( d ) titled : Obligations with respect to disclosures of personal information. Which states that A financial institution shall not disclose an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.

* Furthermore, I emphasize that I relied on 15 USC 1666b, which governs the timing of payments which states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

* Moreover, Affirm additionally violates 15 usc 1692e for making false and misleading representations on my consumer report as they marked my accounts charged off. Affirm has also violated 15 USC 6802 ( b ) obligates creditors to provide disclosures to opt-out of the disclosure of non-public personal information to non-affiliated third parties. Affirm failed to adhere to ALL of these statutory requirements.

Additionally, It is my understanding that according to the IRS, a charge-off is considered income, and the appropriate tax documentation, such as a Form 1099-C, should be issued. Affirm has never dispatched me a 1099-C form to me As a result, the " charged off '' status on my credit report needs to be removed immediately. All accounts by Affirm needs to be removed completely from my credit file.
Product: Debt collection

First, this matter has been forwarded to the Washington State Attorney General, XXXX XXXX. XXXX # XXXX. The original creditor, XXXX XXXX, replied, stating they had NO RECORD OF ME IN THEIR SYSTEM. 

This is regarding a debt that I DO NOT OWE, from XXXX XXXX. The original account is from 2006, so it is PAST SoL. The original account was closed, as per XXXX Agent, via phone, AND fully paid off. I took advantage of the SCRA, and closed original account, WITHOUT EARLY TERMINATION FEES, due to my having to XXXX for 90+ days. XXXX Agent verified this with me, via phone. No calls, no letters, nada. Until a collections letter from Pinnacle Credit, LLC. 

XXXX sold the original account, to Pinnacle Credit Services , LLC, who, in turn, HAS NOT, TO THIS DATE, provided me with a verification of debt. 

Pinnacle Credit Services , LLC, keeps selling this debt I DO NOT OWE, to servicers, even though it is PAST SoL and violates the SCRA. 

The latest servicer is XXXX XXXX XXXX, who responded to my previous CFPB complaint, that they would not contact me. 

But they did. They sent a verification of debt that DOES NOT verify the debt at all. It's just dates with amounts. No explanation of what the amounts due are for. Nothing. 

As far as I am concerned, as per the Attorney General response from XXXX XXXX, the blatant violation of the SCRA, the debt supposedly owed being past the SoL, and the lack of a full accounting, including a breakdown and explanation of charges due, such as early termination fee, past due amount, etc., I consider this matter closed. I have no intention of paying this. Ever. 

If Pinnacle Credit Services , LLC. wishes to continue to pursue this matter, either via their company, or a " servicing '' company, I will have no choice but to obtain legal services.
Product: Mortgage

XX/XX/XXXX Signed VA Refi closing papers. 
XX/XX/XXXX found out from XXXX XXXX and mortgage company that Mortgage Pros mislead the property tax information on the Refi last year in order to get us to agree and sign the Refi. 
Due to the deceit we are now a year later finding out that Mortgage Pros put inaccurate property tax escrow information on the loan and now we have an Escrow shortage over {$2400.00} and our monthly mortgage increased {$500.00} more a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reporting on account ( XXXX XXXX XXXX, Account # XXXX ) with TransUnion numerous times over the last two years and each time TransUnion sends me a notice stating that they have either verified that the account is reporting accurately or that the account has been updated. TransUnion has not provided me with the specific process of how their investigations were conducted, including but not limited to who was the contact person with whom they spoke to when the creditor was contacted. I received no information other than that TransUnion verified the accuracy of the account and/or that the account was updated. Below is a list of disputed inaccuracies on the account : Incorrect balance Missing information Status or any other field blank Status incorrect Account number inaccurate Account type inaccurate Date of last activity incorrect Date of last update incorrect Date reported inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize and authorize the following inquiries. This is caused by fraud. 
RESIDENT VERIFY Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau : I obtained my XXXX, TransUnion and XXXX  credit report on line. There was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the  ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. ( I have attached letters along with this letter ) My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX, TransUnion or XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Product: Debt collection

I sent a certified letter requesting debit validation for a debit that was sent to my local courts. The certified letter was delivered on XX/XX/year> and i have yet to receive a response regarding this debit validation. I have attached a copy of the letter that was sent, the notice that it was signed for and a date of delivery. Please remove this debit from my credit and withdraw the civil case you have as I have not received any requested information.
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. 

Account name : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to bring to your attention the fraudulent personal information linked to my identity. Certain accounts and transactions have been inaccurately associated with me without my knowledge or consent, causing considerable distress and concern. Regrettably, I have fallen victim to identity theft and have promptly taken action by reporting the incident. It is imperative to swiftly address this issue, as it has adversely affected both my financial stability and personal integrity. I kindly urge your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to furnish any necessary evidence and, if necessary, pursue legal recourse to safeguard my rights and seek appropriate restitution. Your prompt attention to this urgent matter is deeply appreciated.
Product: Mortgage

I have Bank of America borrower protection plan. I 'm XXXX. Not able to pay mortgage. But the plan never triggered and now they are foreclosing. I do n't understand. The plan states it will make the payments when I 'm XXXX. Yet, they have proceeding to foreclose after sending in all claim paperwork?