23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company just recently purchased the debt from XXXX on XX/XX/2019 and already suing me without notice. I believe they are now trying to sue because I am not allowed to properly dispute due to Corning virus and they have already showed up to my parents house and used scare tactics on them to get info. The debt collector is Calvary portfolio service.
Product: Debt collection

I closed my service with vast broadband internet back in XXXX. I told them to send me any bills in the mail if I owed anything after closing. I no longer wanted paperless bills since I disconnected. They never mailed me a paper bill or attempted to ask for the XXXX. I hooked back up services with them in XXXX before the XXXX and paid the debt of XXXX because they told me on the phone in XXXX that I owe. Then the offices of credit management lp sent me a collection letter in the mail dated XX/XX/XXXX for XXXX. I do not want this on my credit report.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I am a consumer. My SSN is ( Private SSN ), My DOB is ( Private DOB ), Complaint is : The CFPB complaint has been filed to request pursuant to FCRA Section 605B ( 15 U.S.C Sec 1681c-2 ) that you, Equifax credit reporting agency , block information that appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of two personal credit cards accounts. Both opened at XXXX  XXXX XXXX. Both opened on XX/XX/XXXX, both under account numbers ( private numbers ), XXXX account opened at XXXX XXXX  opened on XX/XX/XXXX, under account number ( private number ). Another account opened at XXXX XXXX XXXX opened the same day on XX/XX/XXXX, under account number ( private number ). An account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, A collection account at XXXX XXXX XXXX opened on XX/XX/XXXX. There were also numerous several fraudulent inquiries. I have attached a my FTC complaint and my final and last dispute submitted to you. The aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are a result of identity theft and fraud. Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection, and hard inquiries are the result of identity theft and fraud I request, pursuant to FCRA Section 605B ( 15 U.S.C Sec 1681c-2 ) that the Equifax credit reporting agency , block all accounts, collections, and inquiries identified in the CFPB complaint from my consumer credit report file within 4 business days of receiving this complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( private email address )
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency failed in completing an investigation for incorrect accounts on my credit report. They failed to do nothing and according to the FCRA inaccurate reporting on a credit report needs to be removed because its violating the FCRA laws.

FCRA section 807 violation. Misleading false reporting. Remove accounts immediately. This account is reporting a past due amount. I don't know what this is. Remove immediately. Late payments are being reported after the account was charged off. This is a FCRA violation and you can be fined upto {$1000.00}. Remove immediately.

In accordance with the Fair Credit Reporting act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a letter from Transunion confirming XXXX XXXX XXXX Missouri was accurate.I went to the XXXX XXXX XXXX  Missouri today they denied having a investigation with transunion.So ask for a letter he said he had none he could give me so Im filing a complaint I got copies of the transunion report as evidence will send in attachment, and can you please make sure all three bureau show a deletion of all information please thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was reviewing my credit report I noticed a collection from XXXX XXXX company, I reached out to the credit bureaus to investigate its reporting to which it has come back verified, I then reached out to XXXX XXXX  I got no response I then filed a CFPB complaint on XX/XX/18 to which I got a response saying as follows " Company 's Response Our office is in receipt of the complaint filed by Mr. XXXX XXXX. We greatly appreciate this opportunity to respond. Please be advised that the very same concerns were recently raised by Mr. XXXX in a previous CFPB complaint. As we advised previously, we can not locate the file in question with the information that has been provided to XXXX as part of the consumers complaint. We would appreciate it if Mr. XXXX could provide us with information on the specific account in question. If he could please upload to his complaint a copy of a letter with a XXXX file number and/or a copy of his credit report, we would be happy to investigate the consumers concerns further. We trust this resolves your concern. 
Now I don't have any information to provide since I don't know what this is and since they couldn't locate the file i'm unsure how the credit bureus ever did a real investigation. Like what they refer to in the XXXX Vs XXXX  lawsuit.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$190000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$56000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$190000.00} XXXX, XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$5700.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$56000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$730.00} XXXX XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXX Balance : {$190000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXXXXXX XXXX XXXX XXXX Balance : {$56000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$3400.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX UNITED STATED SSC XXXX XX/XX/year> RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY CREDENCE RESOURCE MANAGE. 
Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX
Product: Credit reporting or other personal consumer reports

Describe el problema I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2021
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Dear Sr : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the ___ __________________________
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX - Date Opened ( XX/XX/XXXX ) Account Number Ending In ( XXXX ) XXXX XXXX XXXX - Date Opened ( XX/XX/XXXX ) Account Number Ending In ( XXXX ) Portfolio Recovery Associates - Date Opened ( XX/XX/XXXX ) Account Number Ending In ( XXXX ) Amount ( {$570.00} ) All of this information above is fraudulent and I am writing to formally file a dispute regarding a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) by XXXX. I believe that XXXX has failed to comply with its obligations under the FCRA in relation to my credit report and have caused harm to my financial well-being. XXXX has failed to correct inaccurate information that I disputed on my credit report, despite providing sufficient evidence supporting my claim. Additionally, they did not notify me of the results of their investigation as required by the FCRA. Specifically, XXXX has violated the following provisions of the FCRA : Section 1681i : Failure to conduct a reasonable investigation after receiving a consumer dispute.

Section 1681e ( b ) : Failure to maintain accurate information on my credit report. 

Despite my repeated attempts to resolve this matter directly with XXXX, the issues have not been addressed, and I believe my consumer rights have been violated. I am requesting the CFPBs assistance in investigating this matter and ensuring that XXXX complies with its obligations under the FCRA.
Product: Debt collection

They call excessively every day on working hrs ... .I know I need to make my payment they do n't have to call so much
Product: Credit reporting 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 XXXX XXXX XXXX. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account : XXXX, Account : XXXX, Account : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

Several concerns have been identified, including unauthorized or unapproved inquiries from multiple creditors, as well as data breaches : XXXX  and XXXX : Data breaches reported in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
VerificationsXXXX with XXXX and XXXX : Breach reported in XX/XX/XXXX. 
XXXX XXXX XXXX : Data breach exposing personal information on XX/XX/XXXX. 
Summary of Creditor Inquiries : Creditor Name Type of Business Date of Inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I hired my mortgage company or even of knew of XXXX XXXX XXXX, XXXX, XXXX ran my credit without my permission. Credit ran XX/XX/2021 ( this inquiry is reported by all 3 credit reporting agencies and XXXX ) ( XX/XX/XXXX notice attached ) Credit Plus XXXX XXXX XXXX XXXX, MD XXXX my actual lender was XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Mo XXXX I never gave either one of them permission to run my credit. 

I was informed by the company XXXX XXXX forms ( attached ) were illegally created and other loan modification papers were sign with a signature that uses my name but not signed by myself. XXXX has informed me these are forged documents created by XXXX. 
This is the mortgage company I eventually ended up using and get and gave them permission permission to run my credit at a later time on XX/XX/2021. 

The latest credit score was not used on my loan which was a much higher rate. A lock in rate was obtained prior to XXXX legally having permission to a much higher credit score.
Product: Credit card or prepaid card

Hello, I had held a XXXX XXXX credit card through US Bank for several years. I responded to a 0 % balance transfer offer on XX/XX/XXXX, at a transfer cost of {$390.00}. When the annual fee hit my account on XX/XX/XXXX I called on XX/XX/XXXX to see if it could be removed. Customer service representative XXXX informed me that I could close the account and the fee would be refunded. I notified her that I had a 0 % interest transfer that I was still paying. She placed me on hold and came back to say that I could continue with the 0 % interest until XXXX even if the account were closed. I asked again and she assured me that I could continue to pay based on the terms of the balance transfer. 

I checked my account on XX/XX/XXXX and {$230.00} in interest had been charged. I again contacted US Bank. Another CSR said that interest had accrued since the card was closed and that this was US Bank policy. I explained my conversation with XXXX and that the balance transfer offer did not have any such language on it, he put me on hold and came back to say that the interest charges would be reversed, and that he would look into why the annual fee had not been reversed. He cautioned me that he could not continue the 0 % interest until XXXX, in spite of what XXXX had assured me and what was written on the transfer offer. I asked what this meant going forward and he said I would need to pay off the card before the next statement date or I would be charged interest. I specifically asked if I paid off the card by the due date if I would be charged interest and he said if it was paid in full no interest would be charged. I paid off the credit card prior to the due date. I just received a statement and have another interest charge of {$170.00} even though the statement was paid in full. It also does not appear that my account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX To Whom it may Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on different credit reporting agencies for my consumer portfolio service account. 

Its showing XXXX  days late but I have documentation of payment with confirmation number below are XXXX  months of payments. 
XXXX XXXX {$270.00} XXXXXXXX XXXX confirm # XXXX XXXX XXXX. {$270.00} confirm # XXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX  Confirm # XXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$270.00} XXXXAm confirm # XXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX  XXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$270.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$270.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$310.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$550.00} XXXX XXXX Confirm # XXXX XXXX XXXX {$550.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$550.00} XXXXXXXX XXXX Confirm # XXXX I made a mistake in allowing automatic payments which the system didnt pull t I want you to know that I understand my financial obligations, and if it werent for fighting XXXX XXXX and got overwhelmed with everything, I do know that the automatic payment didnt pull the XXXX payment and I noticed XXXX  days after and paid it. I paid XXXX  in XXXX as well to get ahead. If I paid on XX/XX/XXXX than it shouldnt be on my record saying Im XXXX  days late. I have all documentation showing pay dates. I was never late more than XXXX  days as it shows. 

My request is I am promised accuracy in my report based on federal law. I am making this cause an attempt to have these errors corrected on my consumer report under 15 USC 1681. All verified information must be promptly removed. As you can see in your system, you did not verify this information and validate it, so I request that you remove it. 

Thank you for your consideration
Product: Mortgage

Setting the Standard is SPECIALIZE LOAN SERVICING 'S SLS motto. However, for 2 and half years they keep saying they do n't have all my financial docs and that is the reason no mod to date. In my previous complaint I mentioned retaliation from SLS for reporting to CPFB XXXX. So I have soooo much proof that I sent all the docs requested - yet XXXX continues. To solve this problem with SLS I am going to create a XXXX PAGE and POST ALL MY PERSONAL FINANCIAL INFORMATION since SLS keeps losing it. MY TAXES, MY SSN, MY BANK STATEMENTS, THE COMPLETED RMA FORMS AND FAX RECIEPTS AND ALLL THE PROOF THAT I SENT EVERYTHING SLS ASKED FOR SO THE WHOLE WORLD CAN CLICK AND LIKE XXXX AND SHARE THEIR STORIES ABOUT SLS. I 'd bet I could get XXXX Likes XXXX - a few good lawyers and a few good news stations interest to help my in this F, F, F, F, F, F, F FARCICAL SETTING THE STANDARDS of SLS. Now there are actually good people working at SLS. The last one I talked to said " an appeal letter is coming in the mail '' she was nice and sincere and somewhat intelligent but NO appeal letter ever showed UP!! I did receive a modification on my other property so it ca n't be that I do n't qualify .... it must be the disorganization of SLS losing my personal financial letters. XXXX here I come!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding what I believe to be a violation of my privacy rights under 15 U.S.C. 6802-6805 XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provisions of the Fair Credit Reporting Act ( " FCRA '' ). Specifically, this complaint is directed against XXXX XXXX XXXXXXXX XXXX XXXX XXXX as well as the financial institutions and credit reporting agencies ( CRAs ) that have shared my personal information with XXXX  without my consent. 
Background and Nature of the XXXX XXXX XXXX XXXX is a third-party entity that has collected and retained my personal and financial information without my consent. Attached to this complaint is a copy of my XXXX XXXX XXXX Report, which lists the financial institutions and other entities that have shared my data. The sharing of this information was done without my express consent or in violation of federal privacy laws.

Under 15 U.S.C. 6802, financial institutions are required to provide clear and conspicuous notice of their privacy policies and practices and allow customers to opt out of the disclosure of their nonpublic personal information to non-affiliated third parties. I did not receive such notices or an opportunity to opt out, as evidenced by the data held by Early Warning Services. This constitutes a direct violation of my privacy rights. 
Furthermore, under the Fair Credit Reporting Act, credit reporting agencies, including XXXX, XXXX, and XXXX, are obligated to ensure accuracy, confidentiality, and permissible use of consumer data. By sharing my information with EWS, these CRAs have failed to meet their privacy and confidentiality obligations under FCRA, putting them in violation of the same laws. 
Legal Violations XXXX. Violation of the XXXX XXXX ( 15 U.S.C. 6802-6805 ) : Financial institutions that shared my data with Early Warning Services failed to provide the legally required notices and opt-out opportunities. 
XXXX. Violation of the Fair Credit Reporting Act : The CRAs listed above have shared my private information with XXXX XXXX XXXX without proper authorization or permissible purpose, thereby breaching their statutory obligations to maintain the privacy and confidentiality of consumer data. 
Supporting Evidence Enclosed with this letter is a copy of my XXXX XXXX XXXXXXXX Report, which provides evidence of the entities that have shared my information. This report demonstrates the unauthorized dissemination of my personal data, constituting a breach of my privacy rights.
Product: Payday loan, title loan, or personal loan

This is my second attempt to resolve this issue with Upgrade Inc in regards to my consumer credit transaction. Upgrade is in violation of 15 usc 1605 ( a ).