23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debt Recovery Solutions has violated my rights under the FDCPA and is thus liable for damages and civil penalties. 

On XX/XX/year> Debt Recovery Solutions reported a collection account on my credit reports. At no time did this debt collector contact me via mail or send me information on any debt owed. They are in major violation of 12 CFR 1006.30 12 CFR 1006.30 - Other prohibited practices.

1006.30 Other prohibited practices.

( a ) Required actions prior to furnishing information ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish information about the debt to a consumer reporting agency until the debt collector otherwise satisfies this paragraph ( a ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint XXXX XXXX XXXX XXXX XXXX XXXX  I am including it again., XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

Hello, On XX/XX/XXXX I first contacted the bank to create a dispute because someone i dont even know was using my debit card under my name and number and then i tried sending XXXX  to the company and they told me that they are still going to charge me for the subscription fees and then after that I got charged again by the same company only a few hours later for about XXXX dollars even though i told the company ( XXXX  ) to stop charging my account because it was fraudulant.The company still has not even responded to my XXXX  and the my bank which is bank of america has not even credited me my full amount yet.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has indeed violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1666B ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 : Also states a consumer reporting agency can not furnish an 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.

16 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.

1681 a ( 2 ) A ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

According to the FCRA, late payments should not be reported as negative information. I have discovered multiple inaccurately reporting late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms.
Product: Mortgage

I had a XXXX and a XXXX mortgage on my primary residence. At some point, the loan was sold to Bank of America. In XXXX, I paid-off the XXXX mortgage in full. XX/XX/XXXX, I sold my home and paid off the XXXX mortgage in full. The problem is that the escrow company is holding back a sum of money equal to the XXXX mortgage because Bank of America refuses to send a letter of satisfaction regarding the XXXX mortgage. The dozen or so times that I have waited on hold, and endured repeated transfers, Bank of America can only tell me that they are not sure why the system wo n't send out a letter.
Product: Credit card

Did a order online and NEVER got the order and the amount is still on my credit card a month later
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX : Acct # XXXX {$1200.00} XXXX : Acct # XXXX {$1200.00} Equifax XXXX Acct # # # # # # XXXX {$1200.00} XXXX  XXXX XXXX Equifax XXXX Acct # # # # # # # XXXX {$370.00} 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

Ive identified inaccuracies in my credit report under 15 USC 16c-2. The unauthorized inquiries are hurting my credit and need to be removed. Thank you!
Product: Debt collection

They called and we agree 'd i 'd pay  XXXX  dollars a month to pay off my debt but never told me that  XXXX  dollars of that per month would be going towards fee 's.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
XXXX XXXX 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 formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2300.00} XXXX XXXX {$1300.00} XXXX XXXX  XXXX XXXX XXXX {$2300.00} XXXX XX/XX/year> {$8400.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Checking or savings account

MoneyLion closed my account Due suspicious activity I havent did nothing but play games they offer and download them
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal suddenly closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. They suddenly closed my account without any reason and I have not been able to get help from them for months but I just remembered I could file a report on here. I am unable to get any help from them and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Product: Debt collection

Original Creditor - Washington XXXX XXXX XXXX ; XXXX XXXX XXXX MediCredit Inc ; Account Opened - XX/XX/XXXX Balance - {$1300.00} ; I noticed that this account entered collections onto my credit report and sent them a validation letter on XX/XX/XXXX. On XX/XX/XXXX I submitted Complaint ID XXXX notifying the creditor that they did NOT adequately respond. 

My request to validate the debt has not been responded to in full. I did NOT received the following in the company 's response : " - Provide evidence the Statute of Limitations has not expired on this account ; - Show me that your company is licensed to collect in my state ; and - Provide me with your license numbers and are a Registered Agent. - Provide a verification or copy of any judgments or lawsuits if applicable. '' As a result, per instruction of correspondence and pursuant Fair Credit Reporting Act and Fair Debt Collection Practices Act, the collections must be removed from all related credit reports. 

As a result, per instruction of correspondence and pursuant Fair Credit Reporting Act and Fair Debt Collection Practices Act, the collections must be removed from all related credit reports. 

Removing themselves from my credit reports should have occurred in the last Complaint ID XXXX as the validation was NOT responded to in full, and therefore the agency is now non-compliant to Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 I was talking to a representative ( XXXX ) about an account that was duplicate. I also have a fraud alert on my credit and lenders are still able to pull my credit without my consent. I called the company to dispute the inquiry. The company told me to contact Equifax. I spoke to the company that has duplicate account on my Equifax report told me they sent Equifax a letter for removal. They sent me the same letter. Equifax still has not removed it. When I was on the phone with Equifax the lady hung up in my face.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., 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 XXXX XXXXXX/XX/year>
Product: Mortgage

On XX/XX/2020 I, XXXX XXXX XXXX XXXX XXXX submitted an application for refinance with AmeriSave. We were assigned to XXXX XXXX and was asked to completed submission of documents which were done within 24 hrs and also to pay for appraisal and then a third party would contact us to schedule. We were advised due to the Cov-19 that the appraisal could be a drive by due to safety concerns especially since we have new born. We advised we would like a drive thru appraisal. We were then contacted by the appraisal company on XX/XX/2020 and appraisal was scheduled for Thursday, XX/XX/XXXX at XXXX. 

On the XXXX person knocked on door to perform appraisal and asked to come in ; we advised the appraisal is a drive by appraisal due to COV-19 and therefore there will not be a need to come in. <note> Appraisal Company : XXXX XXXX XXXX XXXX was retained by AmeriSave Mortgage Corp., XXXX to coordinate real estate appraisal of our property located at XXXX XXXX XXXX  ; XXXX, TX XXXX. 
guy advised he would just take a moment to take few pictures of the home and that was it appraisal would be done and submitted to us within 2 business days. 

It is now XX/XX/XXXX and no delivery of appraisal has been provided to myself, nor XXXX XXXX, nor staff of AmeriSave. We the home owners have attempted on several occasions to contact them, as well as, AmeriSave alleged did the same and have not gotten an appraisal. 

On XX/XX/2020 XXXX contacted myself XXXX XXXX and advised they finally received a response and was advised the appraisal was cancelled. 

Conclusively, we have a mortgage/appraisal company that has taken money from us without delivery of services that will not respond to calls or provide delivery of services paid for. We have made several calls to AmeriSave complaining about the matter and asking to step in and assist and still no resolution. We now had our credit ran which took an hard hit and dropped our scores and money taken from us and no refinance due to lack of appraisal. 

Were asking for immediate course of action to be taken. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, as well as California Civil Code 337 regarding statute of limitations. 
XXXX XXXX XXXX XXXX : # XXXX ( Auto Loan Account ) has violated multiple federal and state laws. Under 15 U.S.C 1681 SECTION 602 A, I have the right to privacy. Additionally, per California Civil Code 337, the statute of limitations for debt collection in California is 4 years. This auto loan account was opened on XX/XX/XXXX and closed in XX/XX/XXXX, making it well beyond the statute of limitations and legally time-barred from both collection and reporting. 
The account 's presence on my credit report in XXXX violates both FCRA reporting time limits and California state law. Furthermore, MECHANICS BANK AUTO FI has failed to provide the required privacy notices and opt-out rights under 12 CFR 1016.4 and 15 U.S.C. 6802. Under the Privacy Act of 1974 ( 5 U.S.C. 552a ), they also failed to obtain prior written consent before reporting.
Product: Debt collection

XXXX XXXX is reporting a charge off on my credit report from an old credit card debt. I requested this company send me proof of the debt and they have yet to respond, I requested proof through the credit bureaus and they updated my profile saying it was my debt without showing me proof that the debt belongs to me.
Product: Payday loan, title loan, personal loan, or advance loan

I went to get a personal loan, i was made to have add on for 'insurance ' in order to get my loan approved. It was a loan with OneMain Financial. I have since renewed my loan but was finally able to take off the 'extra add-ons ' after the 3rd time.
Product: Credit reporting or other personal consumer reports

Dear Fed Loan I am writing to you again in disbelief that Fed Loan would deny its legal status as a consumer reporting agency ( CRA ) under the Fair Credit Reporting Act ( FCRA ). At this point, your contrary claims can only be characterized as a willful disregard for the unambiguous language and decades of case law interpretation of the FCRA. 

Let me reiterate in full detail exactly how Fed Loan irrefutably qualifies as a CRA to avoid any possibility of further confusion or misrepresentation on your part : Under 15 U.S.C. 1681a ( f ), a CRA is defined as " any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties. '' It is indisputable that Fed Loan furnishes consumer credit data, including payment history and account balance information, to XXXX, XXXX, and XXXX on a regular basis. Furnishing such consumer reports to credit bureaus is considered " engaging ... in the practice of assembling or evaluating consumer credit information ... for the purpose of furnishing consumer reports. '' XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

Further, multiple circuit courts have affirmed that this definition of a CRA includes furnishers of information like Fed Loan. See, e.g., XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX. XXXX ). 

To remove all doubt, the Federal Trade Commission 's ( FTC ) official commentary on the FCRA definition of a CRA explicitly states that furnishers of information, such as creditors, landlords, and employers, meet the definition : " they are CRAs and they must comply with all applicable requirements imposed by the FCRA and its implementing regulations. '' 16 CFR Part 600, Appendix. 

The inescapable truth is that by furnishing consumer data to XXXX, XXXX, and XXXX, XXXX XXXX in every sense " regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information... for the purpose of furnishing consumer reports '' and thus qualifies unequivocally as a CRA under 15 U.S.C. 1681a ( f ) with all attendant legal duties. 

To continue denying this legal reality exposes Fed Loan to serious liability, including potential FTC enforcement actions and class action lawsuits. I urge you again to acknowledge the facts and remedy your non-compliance without further delay. My detailed outline of the law leaves no room remaining for doubt or excuse. Please advise how you intend to properly address my dispute in accordance with your FCRA obligations as a CRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I need this complaint sent to XXXX XXXX. It is my Natural Born Lawful Right under Federal Law of the Fair Credit Reporting Act, Pursuant to Title 15 chapter 41. to Assign, Demand, and Direct Any Communication with any individual Company or organization. Compliance and to Act in Good Faith. your Company Must Comply to Federal law. I recently Checked my Credit Profile, and I have found Evidence of Unauthorized Inquires. On my credit Profile that is Currently being reported with out my express written Consent From your Company and the Parties that furnished Data to you. It is your companies duty to carry great responsibilities of furnishers information Pursuant to Title 15 USC Code 1681s-2. it is the furnishers duty to provide accurate and true information on a consumers profile. pursuant to Title 15 USC Code 1681s-2 ( 1 ) ( A ). your company is in Full acknowledgement of errors, and continued to report so I enable identify theft. And damages of {$100000.00} a day Fine for personal information being stolen or used without my express written consent. This is Hereby A Notice of Inaccurate Inquiries ( HARD ) and ( SOFT ) and confirmation of errors. Pursuant to Title 15 USC Code 1681s-2 ( B ). regarding inquires listed I did not consent to, authorize nor benefit from any of these inquiries. Block and remove them XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. MISUSE OF MY CREDIT CARD INFORMATION AS DEFINE IN 15USC 1602 USING MY SOCIAL SECURITY NUMBER AS UNDERLINED IN XXXX XXXX XXXX ( H ) XXXX fraudulent inquires has caused financial hard ship. this make up 10 % of my credit score. I have been denied credit, XXXX and Equifax has already complied with the facts of law I've laid out. But XXXX it self over the have phone told me they don't care about the federal codes, that XXXX wrote for them to follow. XXXX continuously have disregards to the XXXX, XXXX XXXX XXXX XXXX chapter XXXX and to the natural people.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX unauthorized on XX/XX/XXXX, XXXX did not respond XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX not respond XXXX & XXXX XXXX XXXX XXXX inquiry- XX/XX/XXXX XXXX XXXXdid not respond XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX company unreachable to remove XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX unauthorized/unknown inquiry- did not respond XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX-unauthorized inquiry- did not respond XXXXXXXX XXXX XXXX XXXX, XXXX unauthorized/unknown inquiry-did not remove inquiry XXXX XXXX- XX/XX/XXXX, XXXXunauthorized inquiry- did not remove XXXX XXXX-XXXX XXXXXXXX, XXXX unauthorized/unknown inquiry-did not remove XXXX XXXX XXXX XXXX XXXX XXXXunauthorized/unknown inquiry-did not remove XXXX XXXX XXXXXXXX, XXXX unauthorized inquiry- did not remove XXXX XXXX- XX/XX/XXXX, XXXX unauthorized inquiry- did not remove XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX unauthorized/unknown inquiry- did not remove XXXX XXXX XXXX XXXX XXXX, XXXX unauthorized inquiry-did not remove XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX unauthorized inquiry- did not remove XXXX & XXXX XXXX XXXX XXXX, XXXX unauthorized inquiry-did not remove XXXX & XXXX XXXX XXXX XXXX, XXXXunauthorized inquiry-did not remove
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXXXXXX 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: Money transfers

I sent money to other country ( XXXX ), my sister did get this money and was sent back western union of the united states again