23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX - XXXX - XXXX XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several discrepancies I have identified on my credit report, dated XX/XX/year>. The accounts in questions are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.understand that, pursuant to section 605b of the Fair Credit Reporting Act ( FCRA ), it is your obligation to block fraudulent information resulting from identity theft within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments with XXXX Bank formally known as XXXX bank on account number XXXX for a XXXX XXXX XXXX This vehicle was awarded to my ex wife XXXX XXXX XXXX, Social Security number XXXX in our divorce decree. Cause NO. XXXX. 

XXXX XXXX Beginning XX/XX/XXXX, XXXX XXXX XXXX is ORDERED to provide timely payment of any and all debts secured by the XXXXXXXX XXXX XXXX awarded to her herein. IT IS FURTHER ORDERED that at the time that XXXX XXXX XXXX receives her portion of the equity from the marital residence as stated above, any and all debts secured by the vehicle awarded herein shall be paid in full from her share of said proceeds.
Product: Debt collection

I mailed a certified letter to the company to cease and desist any and all communication due to my not owing any debt currently and no idea what this is or why they are contacting me. According to the post office the certified letter would be received by the company on XX/XX/XXXX In addition, I mailed a copy via regular mail with normal postage. 

Since XX/XX/ I have received calls from phone number XXXX ( which reports show belongs to this company ) on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I notice a company called Upgrade has been reporting on my credit report which is causing me a great amount of stress and has lowered my credit score tremendously. I did contact them send proof such as police report, ID and FTC report letting them know that these accounts are due to identity theft. I have not agreement with them or sign no contract with them to take out any loan. They emailed me the documents I requested and the date that is on there is XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to freeze credit report w/TransUnion via XXXX XXXX XXXX  Learned that, to do so, I need to have/create an account. Clicked " Do I already have an account? '' link & learned that since I had previously filed a Fraud Alert, I already have an account. Do n't know logon info so clicked 'forgot username/password ' link & landed here : XXXX XXXX XXXX  This page asks for SSN ( x2 ) +last name. Input info & got error mssg that the SSN I input was invalid so I wound up attempting to input multiple more times before this page popped up : XXXX XXXX XXXX  ... which has a blatant typo/improper grammar. Tried to reach a person at TransUnion to get help freezing credit report & learn if I was just scammed by a fake page but could reach nobody. 

So, I think a scammer just got my name & SSN by spoofing ( is that the term? ) TransUnion 's credit freeze page.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

You're " Loan Statement '' instrument and claim of an alleged loan in the amount of XXXX is hereby disputed in accordance with my prerequisite due process rights. 

You are hereby commanded to produce to me via certified mail the following for full disclosure purposes : 1. The certified copy of the alleged 'loan agreement ' ( exposing the front and back ) with my signature complete with an affixation or allocation attached to the same for endorsements. 
2. All bookkeeping journal entries and records associated with the alleged 'loan agreement 3. Evidence of " Allodial Title '' or " Aboriginal Title '' to the property a. with geographic coordinates XXXX North latitude, XXXX West longitude correspond to and are equivalent with the following street address : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX [ No ZIP Code ], which would verify you and / or any of the stockholders of your foreign company GM Financial the parent entity of Cadillac Financial, to be the absolute owner of such property having the right to lease it and / or sell it ; and 4. The specific species that you are accepting as " payments '' for the alleged debt balance of XXXX : a. " All federal statutes, including XXXX XXXX. XXXX, must comply with the Constitution. No federal statute can be legally " '' superior '' '' to any part of the Constitution ''.

b. Federal Reserve Notes ( fiat currency ) under 31 U.S.C. 5103, are discriminating against the United States, Via Article 3 Section 3 of the U.S. Constitution, as well as Section 366.03 of the Florida Statutes. 
c. either gold and silver coin which is " the lawful money ( dollars ) used to pay a debt per Article 1, section 10, clause 1 of the Constitution for the United States of North America ; or XXXX. LEGAL FRAMEWORK - Both of our actions are governed by : 6. The U.S. Constitution, Article VI ( 6 ) ( Supremacy Clause ) - This Constitution, and the Laws of the United States which shall be made in Pursuance thereof ; and all Treaties made, or which shall be made, under the Authority of the United States, shall be the supreme Law of the Land.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX XXXX [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Bayview is reporting derogatory information based on a loan modification that was not fully executed. Therefore no modification was lawfully recorded and therefore the credit information being reported is greater than 11 years old in violation of the FCRA. 

I have spoken with Bayview and they are aware the modification was not lawfully executed. They continue to willfully and negligently report credit information to their benefit. 

I demand immediate removal from my credit report
Product: Debt collection

During my process, I set up a payment with XXXX XXXX and the agreement was to remove it from my credit report after I pay off the debt. I paid off the debt and next thing you know I have a judgement letter in my mailbox. The judgement has been requested to remove it off my credit report since they ( XXXX ) had proof that I had paid off the debt from the letters I sent.
Product: Student loan

On XX/XX/XXXX, I contact Ed Financial Services via email and requested my prior servicing history. From XXXX - XXXX, my loans were serviced by XXXX XXXX XXXX and were transferred to Ed Financial Services on XX/XX/XXXX. The email I received from Ed Financial on XX/XX/XXXX stated that they would send me my full payment history in XXXX XXXX days. I never received it. 

In XX/XX/XXXX, my loans were transferred from Ed Financial to XXXX. XXXX is unable to approve my public service loan forgiveness application because they are waiting on my payment history from XXXX - XXXX. Ed Financial Services has not provided them with this information. Ed Financial Services should have received this information when my loans were transferred to them in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CREDCO add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. My bill was paid when my account was closed in XXXX/XXXX/14 and never get any calls or reclamation from the company just recently.
Product: Debt collection

In XX/XX/2018 The Receivables Management Services sent my final insurance bill to collections without an opportunity to pay. When I made the payment, I was told the account would be deleted from my credit. I also spoke with a supervisor on XXXX and was told the collection would be removed from my credit as a courtesy based on everything going on, along with this derogatory mark on my credit preventing me from getting a home.
Product: Student loan

My student loans with Mohela started again in XXXX. 
I am currently in XXXX and have paid 118 qualified payments. I only have 1 payment left for total forgiveness.

I have tried to make that payment 3 times. Each time Mohela send the payment back with an error from my bank. I have no attempts by Mohela to withdraw from my account.

I am now in default for 1 payment and I am not getting an answer from Mohela as to how to fix this.
Product: Credit card or prepaid card

I have 2 Capital One cards and they are reporting the wrong balances for the month of XXXX.
Product: Checking or savings account

Re JPMorgan Chase Bank, N.A. 

On XX/XX/21, with my XXXX year-old daughter, I visited branch at XXXX XXXX XXXX, XXXX, IL, XXXX, to assist her in withdrawing funds from and closing guardianship account on which I was her guardian. Bank wouldn't allow this, insisting erroneously that account was " restricted '' and that funds could not be accessed for two business days. Court order pursuant to which this account was opened entitled my daughter to draw these funds as of her XXXX birthday. The only " restriction '' on the account was thus the bank 's unwillingness to release the funds. This was illegal and caused my daughter and me significant inconvenience.
Product: Debt collection

A few months ago, I went to the ER. I made sure my contact info with the hospital was current, but for some reason, the bills went to an address I haven't lived at for 10 years. Before I could figure out why I wasn't receiving the bill, I found out I needed XXXX. I was contacted by the debt collector about a week before my XXXX, which is when I found out what amount I was being charged. I asked to receive a written statement sent to my current address. I did receive that a day or so before XXXX. 

Healing from XXXX didn't leave me in a position to deal with the debt. Today, they contacted me by phone, which is understandable. What is not acceptable is that they failed to identify themselves properly. 

My boyfriend answered the phone. I usually don't answer calls from numbers I do not recognize, so I asked him to answer and give me the phone if it was the debt collector. Unfortunately, when he answered the phone, the caller would only identify as " XXXX on a recorded line. '' He asked multiple times who she was, and she would not identify as a debt collector. Only after she was asked directly, " What company do you work for? '' ( please note that asking " where are you calling from? '' and " who do you work for? '' did not get a proper response ) did the caller identify her employer as XXXX. She still did not identify as a debt collector. 

My boyfriend ended the call. I had talked about needing to talk to them to set up a payment plan, now that I am recovered from my XXXX ( entirely unrelated to the debt they are trying to collect ) but neither of us are comfortable dealing with a company that refuses to identify themselves properly. I understand that they do not wish to disclose information, but I also know that they are legally required to identify as debt collectors, even if they are not speaking directly to the debtor. Had they identified properly, I would be discussing payment with them now. 

The call occured at XXXX MST, Fri XX/XX/XXXX. The call was from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX I sent Portfolio a validation request and then a follow up letter and have not received a response. On XXXX, XXXX, I sent XXXX, XXXX, and XXXX  both letters and requested removal/investigation and have yet to receive a response. 

The accounts have been re-aged on XXXX and XXXX, open dates are all conflicting on all three bureaus, Comments state dispute resolve but Ive never received a response in over 3 months. On XXXX, they are reporting a derogatory account with a last active date in XXXX but reporting on time payments in XXXX and an account status of 120 days late. This is all incomplete and inaccurate information. 

Please see all attachments
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account MIDLAND CREDIT MANAGEMENT with balance {$850.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX  XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Mortgage

My loan was recently transferred from XXXX XXXX XXXX to Shellpoint Mortgage Servicing. The transfer was effective XX/XX/18. I am current on all payments except the payment that is due XX/XX/18, which I have not made yet due to confusion in the transfer process. 

For some reason, my payment history with the previous lender was not transferred to Shellpoint Mortgage. They are showing my account as XXXX   months past due. When I call Shellpoint customer service, they are unwilling to resolve the issue ( all they need to do is get in touch with my previous lender ). Instead, they continue to refer me to a debt collector. 

The service from this Mortgage Servicer has been awful from the beginning. To this date, I have not received any contact from the company besides the notice informing me of the coming transfer. I had to call them repeatedly for a week just to obtain my loan number so that I could create an account online and set up bill payment. 

I have no idea where the transfer went wrong. It is possible the error is with XXXX XXXX XXXX  or with Shellpoint. My previous lender, XXXX, provided me the following contact information associated with the transfer : XXXX XXXX ( XXXX ; XXXX ). I have sent XXXX an email detailing my situation and the attached payment history screenshot. I am waiting for his response.
Product: Debt collection

More evidence of unfair collection practices by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attorney debt collectors, simply by virtue of their profession, are especially susceptible to claims under the FDCPAs general prohibitions against using false, misleading, and unconscionable means to collect a debt. There have been a number of recent complaints in and around the 7th Circuit against attorney debt collectors, which allege violations of 1692e and 1692f by sending form debt collection letters that falsely imply the attorney has meaningfully reviewed the case. See e.g., Knack-Toms v. Meyer Njus Tanick , PA 345 F. Supp. 3d 1033 ( N.D.I.L Nov. 2018 ), see also, Bucholz v. Meyer Njus Tanick, PA, 2018 WL 4625740 ( W.D. Mich. Sept. 2018 ). These plaintiffs cite Avila v. Rubin for the proposition that a delinquency letter from an attorney conveys authority and implies that the attorney supervised or actually controlled the procedures by which the letter was sent. 84 F.3d 222, 228-29 ( 7th Cir. 1996 ). Instead of challenging the substance of the attorney debt collector letter, the plainiffs attorney generally allege that because ( 1 ) the letter was sent by an attorney debt collector on attorney letterhead that the attorney must have meaningfully reviewed/analyzed the debt and ( 2 ) because the collection letter is a mass-produced template letter which has an indiscernible signature that no meaningful attorney review has occurred which makes the letter a false, misleading, and/or unconscionable attempt to collect the debt in violation of 1692e and 1692f of the FDCPA. '' This is exactly what XXXX XXXX does and has been doing for 17 years. A misleading letter from an attorney with no signature.