23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a complaint against Calvary Portfolio Services and XXXX regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) in connection with attempts to collect on a debt governed by an arbitration clause. The original contract, which was originated by XXXX, includes an arbitration clause that requires any disputes related to the debt to be resolved through arbitration, not through traditional debt collection methods. Despite this, Calvary Portfolio Services, acting on behalf of XXXX, has continued to pursue collection efforts without adhering to the terms of the arbitration agreement. 
In addition to failing to respect the arbitration clause, also violated the FDCPA by failing to properly verify the debt in accordance with 15 USC 1692g. The FDCPA mandates that debt collectors provide adequate verification of the debt within five days of their initial communication. Calvary Portfolio Services has not provided proper verification or the necessary documentation to comply with the debt validation requirements outlined in the FDCPA. 
As such, Calvary Portfolio Services has violated my consumer rights by continuing collection efforts despite the debt being subject to arbitration, and by failing to verify the debt as required under 15 USC 1692g. These actions mirror violations identified in previous case law. For example, in XXXX v. XXXX XXXXXXXX XXXX XXXX ( No. XXXX, XXXX Cir. XXXX ), the court ruled that Calvary Portfolio Services violated the FDCPA by continuing collection efforts without providing proper debt verification. Similarly, in XXXX v. XXXX XXXXXXXX XXXX ( No. XXXX, XXXX Cir. XXXX ), the court found that Calvary Portfolio Services failed to provide the proper documentation necessary for debt verification under the FDCPA. 
I request that the CFPB investigate this matter and ensure that XXXX and Calvary Portfolio Services cease all collection efforts and adhere to the arbitration clause outlined in the original contract that was originated by XXXX. I further request that Calvary Portfolio Services be held accountable for their violations of consumer protection laws under the FDCPA, and that XXXX be investigated for their failure to ensure compliance with the arbitration provision in their agreement. Delete this collection from my credit report immediately.
Product: Credit card or prepaid card

See Attachment A from previous CFPB Complaint. 

USAA Closed Credit Card Account ( Stated that it wasn't reported to Credit Bureau 's ) However it was report to Credit Bureau 's per Attachment B & dropped my Credit Scores & negatively impacted my Credit History " Age Length ''
Product: Credit card

I got my credit card when I went to college at XXXX in XXXX. I do not remember ever signing up for a payment protection plan. I have never missed a payment in 15 years but I have started wondering why I have fees on my statements. I looked into payment protection at discover and learned that there have been several class action lawsuits against discover for payment protection plans being deceptive services. I saw that they paid customers back. I called discover to ask about this and they told me that I agreed to the terms in XXXX. This was three years before discover admitted to deceptive practices with this exact service. I told them I would have never knowingly agreed to pay for a service I never intended to use. They said they sent a letter in XXXX after the class action suit but I never received this. I cant even find where the service is listed in my discover app, so I have no idea how I would know I was ever enrolled and now that I do I cant even see where I would be able to cancel it in the app. I got a call back from discover last night and they said that they would forgive my last 6 billing periods as a courtesy and I told them that was outrageous. They said that is all they would offer and I told them that I would have to contact another entity as I want my entire history of payment refunded from a payment protection plan that they have had to admit was deceptive and predatory in the past.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove these 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

3. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit reports and realized your agency and this debt collector is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to anypersonrelated by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of theconsumerfor medical products or services ; or ( C ) an aggregate list of identifiedconsumersbased on payment transactions for medical products or services.

And 15 US Code 1681b ( 4 ) Limitation on redisclosure of medical information Anypersonthat receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any otherperson, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. 
under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the items from my credit file immediately. 

XXXX XXXX XXXX and XXXX XXXX Thank you for your time and help in this matter.
Product: Credit reporting

TRANSUNION is reporting inaccurate information on my credit report which is causing me great emotional & financial distress. I 've been disputing an account which reflects on their reports as XXXX XXXX XXXX / {$210.00}. I have no idea who this company it is & feel the reporting of the account in general is a severe violation of the FCRA. ALl information is supposed to reflect 100 % accuracy. I do n't know about you but this is very confusing. I 've asked them to remove it twice & they continue to claim its been verified. I 've done some of my own due diligence & think I know who the company is so I sent them a letter requesting further information as to how this information was verified & has received nothing back from them as well. Since no one is able to verify the accuracy of the information & the data furnisher has failed to respond to my request for verification as well I would like it removed immediately. Both XXXX & XXXX have both removed the alleged account ...
Product: Credit reporting, credit repair services, or other personal consumer reports

An unrebutted affidavit stands as truth and judgement in commerce. I think we all know truth is sovereign in commerce. On XX/XX/2021 I sent XXXX XXXX XXXX XXXX a Negotiable Instrument # XXXX ( {$19000.00} ) to discharge remaining car balance. I sent a little more than the requested amount because they had added on XXXX worth of car insurance and I had late fees as well and I wasn't sure of any other fees that they might try and add. I wasn't requesting any amount back/change. I just wanted the account closed and settled. Also sent was a Affidavit of Truth, XXXX point Proof of Claim, and a copy of the payoff letter. They never responded so I had a notary mail the same documents again along with a Notice of Acceptance on XX/XX/2021 with instructions to respond to the notary 's address. They never responded. On XX/XX/2021 I had the notary send the same documents again along with a Notice of Default and Opportunity to Cure with instructions to respond to notary 's address. They never responded. On XX/XX/2021 the notary issued XXXX XXXX XXXX XXXX a CERTIFICATE OF NON-RESPONSE for they're dishonor and failure to respond. I just don't understand what gives them the right to ignore my correspondence when there is a contract involved and then falsly label my account as charged-off when clearly I tendered payment which they never sent back. If there was a problem with my instrument they were to send it back to me with evidence of fault and allow me the opportunity to cure which they failed to do. I followed procedure under N.C. 25-1-202 I gave notice. N.C. 25-3-603 ( b ) states that if tender is refused there is discharge, to the extent of the amount of the tender. XXXX XXXX XXXX XXXX never gave a reason for their dishonor.
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 Re : Account XXXX. XXXX ( XXXX ) Re : Account XXXX. XXXX XXXX ( XXXX XXXX ) Re : Account XXXX. XXXX XXXX ( XXXX Bank ) Re : Account XXXX. XXXX XXXX ( XXXX Bank ) Re : Account XXXX. XXXX XXXX ( XXXX Bank ), has violated my rights. 

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

15 U.S.C. 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. 1681 ( 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On or about XX/XX/2019. I was contacted by a collection agency AFNI Inc . They sail that I owed XXXX XXXX {$410.00} which I explained I'd never had service with this provider in return they keep calling daily and the outstanding balance still remains on my credit report or shows that the account has been paid depending which agency you use.
Product: Credit reporting or other personal consumer reports

I. HAVING PROBLEMS WITH RENTING AN APARTMENT. Y CREDIT SCORE IS LOW DUE TOO HARD INQUIRIES HOW DO I GET THEM REMOVED SO MY CREDIT SCORE WILL GO BACK UP I REALLY DIDN'T KNOW WHEN I DID CREDIT CHECKS FOR THINGS I WOULD GET HARD INQUIRIES NOW MY CREDIT SCORE IS LOW CAN U PLEASE HELP THANKS
Product: Vehicle loan or lease

I have been charged a {$5.00} late fee from Chase Auto, every month since last XXXX. They changed my due date even though they say they didnt. My auto loan was always due at the end of the month and all of the sudden it was due the XXXX of each month, Chase said we changed it online, but my husband nor myself have ever requested to change the date, I tried to explain that there must be a mistake, but it was to no avail. I have inquired about it several times but Chase refused to change it back, so my husband and I paid in the middle of the month as our mortgage is due at the beginning of each month. I have explained this to Chase multiple times, but again they wont change the due date back. Well, on my last statement I had a random {$55.00} extra on my bill, when I inquired about it, Chase stated it is a late fee of {$5.00} going back to last XXXX. I stated that I have been paying {$320.00} every month ( our note is {$310.00} ) to include the {$5.00} late fee, so that I already had paid the late fees. I however, paid the {$55.00} late fee because they were calling my husband and myself threatening us over {$55.00}. So as to be sure we didnt have any past due balance, I went ahead and paid the {$55.00} extra, and decided I would take it up with Chase after it was paid. And, I did, Ive documented with screen shots- the {$5.00} fees they placed on our bill every month since last XXXX. I also documented, highlighted and sent the {$55.00} fees that were charged to our account, and paid, along with the proof of fees charged, going all the way back to XXXX 2016. I dont know why this is so difficult for Chase to correct, Ive literally sent them documented proof from their own website three times now, they claimed I would get a descision by XXXX XXXX, but I have gotten no emails, calls or mail correspondence from them as promised. There is no credit on my account either. We have been more than patient, but Chase is attempted to steal {$55.00} from us- on top of that they charged us twice in a month, a late fee of {$5.00}, so they actually owe us {$65.00}. I explained and showed them my payments, and pointed out that if they werent paid, I would have a past due balance still, of {$65.00}, If I hadnt been paying the late fees all along. I currently have no past due balance, so really this is all quite simple. Refund is the fraudulent {$65.00} you stole from us, as Ive sent all the documented proof. I am willing to admit when I am wrong, and will accept if I am, but Chase is wrong here, and I have the documented proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX Account Name : XXXX XXXX XXXX XXXX  Balance : {$5100.00} Original Creditor : XXXX XXXX XXXX XXXX have contacted both Experian, as well as XXXX XXXX XXXX regarding this account. The high balance is inconsistent with the other credit bureaus. The close date is incorrect. Last payment is also incorrect and inconsistent with the other credit bureaus. 
XX/XX/XXXX XX/XX/XXXX
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. 

I told the Experian to reinvestigate the following accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

On three different occasions I have contacted Transunion LLC. I made it very clear to the customer service agents via telephone at Transunion that on XX/XX/22 and also on XX/XX/22 my credit report was fraudently pulled for a hard inquires by two creditors that I did NOT authorize. This is in regard to Transunion file # XXXX. I clearly have told Transunion that these hard credit inquiries on both dates were FRAUDULENT. 

XXXX XXXX on XX/XX/22 XXXX on XX/XX/22 Neither one of these creditors had my consent or permission to pull my credit report. I have never applied for any type of credit with these creditors. I explained all of this to the Transunion agents that took my calls. I got nothing but the run around. I have been a victim of identity theft before. Transunion has had to remove incorrect data, including hard inquiries, from my credit report that were incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the reporting agency on more than one occasion, informing them that they are in direct violation of the FCRA as it relates to the furnishing of negative/inaccurate information on my consumer credit file. The account for XXXX, is reporting different late payment dates on each company 's site. In addition, in accordance with 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This account, XXXX, contains payment history with derogatory remarks, making this experiences relating to transaction history. The company never removed the errors from my report.
Product: Debt collection

Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need have documents or issues. One day I believe they even called me before XXXX XXXX. They call 4 times a day on my cell at least daily. I have not given them permission to call me or my cell. They dont leave messages. I feel threatened as this woman just told me I am a refusal that should pay my debt and made some threatening comment afterwards. I advised her I didnt have to and to stop calling my phone and that I was filing a complaint. She sounded lime she was laughing on the phone. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the XXXX, XXXX  and XXXX XXXX  and XXXX this is causing me as a XXXX XXXX XXXX XXXX XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
Product: Student loan

Hello, Since XX/XX/2020 Navient has reported me to as in default 43 times. I've called the company MANY and tried many times to lower my loans to an amount that I can afford but Navient refuses it. 

The matter here is that I've never taken more than 8 loans total for college and yet I've been reported 43 times in less than one month. Please help. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX Account Number XXXX XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly, they violated my rights.
Product: Consumer Loan

The company I have a loan through has n't applied any payments towards my loan and said they would be deducting once a month payments for one year of XXXX dollars each month now they are doing it twice a month and never sent over my payment dates just a generic payment plan with the amount you borrow but mine is different each month