23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

RE : VALIDATION ; CEASE AND DESIST Dear MIDLAND CREDIT MANAGEMENT INC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing 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 provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
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. 

XXXX XXXX XXXX XXXX  : # XXXX, XXXX  XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX XXXX XXXX XXXX # XXXX, DEPT OF EDUCATION/XXXX  : # XXXX ( This will be all XXXX accounts starting in XXXX ), XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 

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

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

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

In accordance with the Fair Credit Reporting Act XXXX  Account 's # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ( Original Creditor ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX # XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau refusing to investigate and company canceled the debt Re : Failure to investigate fraudulent, outdated errors reporting on my credit report as required by FCRA and CFPB consumer laws XXXXXXXX XXXX XXXXXXXX I wrote the credit bureaus in XXXX and again in XXXX and asked them to investigate an Error reporting on my credit report XXXX  Bank XXXX, instead they refused to investigate and simply sent a blanket statement stating Consumer disputes resolved. Meanwhile I wrote XXXX Bank and asked that by law they provide evidence of the error they were reporting on my credit file was a debt that belonged to me. Once they could not provide they issued a cancellation of debt 1099 income form to the IRS and said that I did not owe for the error debt that was reporting on my name. I disputed this cancellation of debt with the IRS who said I did not owe as income the cancellation of debt and then repeatedly wrote you explaining how the information was being reported incorrectly. 

I wrote the bureaus again in XXXX and XXXX and Instead of the credit bureaus investigating as required by law, the FCRA and CFPB consumer laws, they sent another canned response saying Consumer disputes previously resolved. Except that is not sufficient by law. They let this error affect my credit history for over 70 months without looking at the proof that was sent. 

How can I have a balance of {$7500.00} but the company cancelled the debt. 
How can the credit bureaus wrongfully in error report a debt that not only doesnt belong to me, but that was file as a cancellation of debt with the IRS .

How can the credit bureaus report a late payment, say this it at 100 % and a balance owed when the company themselves could not provide proof that this debt belonged to me. How can the company claim this as a loss to the IRS yet the credit bureaus allow them to erroneously attempt to collect a debt that not only didnt belong to me, but they paid less taxes on filing their books and corporate taxes. How could it be erroneous income to me, a loss to this company and a gain for them to try to collect a debt that doesnt belong to me. For years the credit bureaus allowed them to negatively cause me harm. Causing damages to me. 

Furthermore such collections are against Federal and the State laws of California and you have violated my rights for more years greater than the California statue affecting its residents. The credit bureaus continuously allowed this to affect, harm me and cause damage to me despite me writing and providing proof to them since XXXX. 

How is any of this legal? 
How is it legal for me exercising my rights by law asking the credit bureaus to investigate and them reply with a canned response that it was previously investigated and consumer disagrees ; then proceed to ignore and refuse to investigate further. 
How many other consumers have suffered at the hand of the credit bureaus for failing to investigate as well? 

I am asking that the credit bureaus remove this erroneous account from under my name ASAP. 


*IRS proof attached XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Compliance with Federal and Texas FCRA Identity Theft Laws Dear NAVY FEDERAL CR UNION, I am writing to address the unauthorized reporting of information to my credit report, in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Texas identity theft and finance laws. This unauthorized action by NAVY FEDERAL CR UNION has been executed without my explicit consent, directly violating Section 1681b ( a ) ( 2 ) of the FCRA, Sections 392.301 and 392.305 of the Texas Finance Code, and the Texas Penal Code Section 32.51 on identity theft.

Under federal law, Section 1681b ( a ) ( 2 ) of the FCRA mandates that consumer consent is a non-negotiable requirement for any entity reporting information to a credit bureau. Texas state law aligns with these protections, with Section 392.301 of the Texas Finance Code reinforcing the necessity of consumer authorization in all reporting actions, while Section 392.305 further delineates the standards for lawful credit reporting practices. Moreover, Texas Penal Code Section 32.51 underscores the criminal implications of unauthorized access and misuse of personal information, marking this as a serious offense under state identity theft statutes.

I firmly assert that I have not given consent for NAVY FEDERAL CR UNION to report any information to my credit profile, making this unauthorized reporting a blatant violation of my rights. Such disregard for legal standards has not only compromised my credit integrity but also exposed NAVY FEDERAL CR UNION to accountability under both federal and Texas laws.

I am demanding the immediate cessation of any further reporting activity by NAVY FEDERAL CR UNION to my credit report. NAVY FEDERAL CR UNION must comply with federal and Texas statutes requiring explicit consumer consent, as stated under Section
1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Should there be failure to address this within the required 30-day period, I will interpret this as deliberate noncompliance, subject to legal penalties, including those outlined in Texas identity theft laws.

Consent is not discretionary in these mattersit is a legal obligation. I expect NAVY FEDERAL CR UNION to act in strict adherence to these laws and to uphold my rights as a consumer protected under federal and Texas law.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that 1 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 Ihave never been late on payments for the account ( XXXX XXXXXXXX XXXX. ( XXXX. ( XXXX. ( XXXX. XXXX XXXX XXXX  XXXX. 
( 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 card or prepaid card

I was scammed into investing with a real estate/entrepreneur money making scheme called the Will to Win method. This company is know as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XXXX of XXXX the Federal Trade Commission issued Preliminary Injunction Order : XXXX, requesting XXXX XXXX to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. 

On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. XXXX vs. XXXX XXXX and the case is still pending resolution. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with XXXX with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


INQUIRIES : XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX there was a XXXX XXXX XXXX XXXX card opened up under my name that is showing on Experian also on XXXX XXXX there was a XXXX XXXX  that was opened up on XX/XX/XXXX I never signed any documents with XXXX XXXX  but they are reporting this account I need proof of documents with XXXX XXXX  that I signed anything accepting this debt Inclosed is the identity theft affidavit Also my police report with the XXXX police department
Product: Mortgage

In late XXXX of XXXX, we were notified by XXXX XXXX ( our old loan servicer ) that our loan had been sold to Mr. Cooper is the midst of a loan modification with our first payment being due XXXX XXXX, XXXX. We made our first payment to XXXX XXXX on XX/XX/XXXX, which was placed into the suspense account and transferred to Mr. Cooper. 
In our last complaint, Mr. Cooper responded they properly applied our XXXX payment made to XXXX XXXX  properly to our new account with Mr. Cooper. That being said, in XXXX, when Mr. Cooper finally booked our loan, a payment was lost through an accounting or fund allocation error, and we were notified we were due for two months of payments, although we had made all our payments on time. We submitted several complaints over the last nine months through conversations with several Mr. Cooper representatives saying they would look into the issue, fix it, and get back to us, with no phone calls ever received back other than harassing ones about our account being supposedly past due. 
Here we are supplying proof of all our payments since beginning our servicing with Mr. Cooper, including all bank records proving the payments cleared our account and were received by Mr. Cooper. This is indisputable evidence that an error has occurred and needs to be corrected. For a federally backed loan, an issue such as this should, firstly, never occur and, secondly, be addressed in a more appropriate and thorough manner. I am very disappointed that I, with minimal accounting experience, can see the error when professionals can not.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I never applied for any accounts with XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, I was shocked to learn that I have been a victim of Identity theft, I found Numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove fraudulent accounts from my credit report.
Product: Credit reporting or other personal consumer reports

To whom it may concern, On XX/XX/year>. I filed a report after noticing fraudulent accounts on my consumer report. Today XX/XX/year> more fraud accounts have been noticed. Please delete immediately as I am not liable for them nor do I recognize these companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This accounts were opennes without the proper verification as it is hurting my good name.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an erroneous decrease in my credit score of XXXX points that appeared overnight in my credit report. This inaccurate reporting has caused my credit score to drop significantly without any valid reason. 

Details of the account and issue are as follows : Creditor : Continental Finance Company- Surge ( XXXX ) Credit Card Activation Date : XX/XX/XXXX -- -- - ( Received card and Activation of new card ) XXXX  Use Date : -- -- -- -- XXXX XXXX Initial Payment Date : XX/XX/XXXX -- -- -- -- -- - {$710.00} XXXX Current Balance Paid in Full : -- -- -- -- -- -- -- {$720.00} Credit Protection : XX/XX/XXXX ( authorized ) Statement closing Date : XX/XX/XXXX Amount Past Due : {$0.00} Despite making all required payments on time and maintaining a good standing, my credit score has been inaccurately decreased by XXXX points. This erroneous reporting is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), which ensures fair and accurate credit reporting. 
I kindly request that you : 1. Investigate the inaccurate reporting on my credit report.

2. Correct my credit score to accurately reflect its previous range of XXXX. 
XXXX. Send results via mail of correction Your prompt attention to resolving this matter is essential to uphold my rights and ensure the accuracy of my credit report. 
Thank you for your cooperation in resolving this issue swiftly. Please confirm receipt of this letter and the actions taken to correct my credit score.
Product: Credit reporting

All XXXX credit reporting agencies are reporting address that have never belonged to me or I never resided at. The only address I have stayed is is my permanent address of XXXX XXXX XXXX XXXX TX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion I have two issues with this company. Number one, my score is SEVENTY FIVE points lower than both XXXX  & XXXX. It is impossible to get through to an agent. We are trying to obtain a home loan, and there is no way to communicate with this company in a timely manner. They are owned by XXXX XXXX, this is owned by the XXXX. Why in the world do you let the words largest bankers run a credit reporting agency? 

Secondly, when TransUnion asks you to sign up for an account, they DO NOT mention AT ALL there is a {$24.00} fee for credit monitoring. If you look, there and thousands of complaints about this. 

None of this is acceptable. I demand my {$24.00} back, and I am contacting the Delaware Attorney General to file a complaint against TransUnion. 

We bailed out these people 12 years ago, now during a pandemic we are getting crapped on. I will not tolerate this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX accounts are paid and need to be deleted from the report.
Product: Debt collection

This company reported this account on my credit report on XXXX/XXXX/2016 and then again on XXXX/XXXX/2016 so now they are reporting the account twice? I never received anything from this company about this supposed account and was not given the opportunity to dispute this debt. They are not complying with the FDCPA and now they are reporting incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX  I have reached out to the credit bureaus about several accounts that are showing up closed but are still reporting to the bureaus. Also XXXX XXXX XXXX XXXX XXXXXXXX account is paid out with a XXXX balance and still showing I owe a balance of XXXX dollars so I know that the credit bureaus did not do anything with my disputes along with other disputes. 
One of my collections is still showing one agency has my account but the information is not accurate. The account is XXXXXXXX XXXX XXXX XXXX does not own this collection, but still showing that they do. 
XXXX XXXX I could not pay the rent so I moved due to XXXX XXXX this was back in XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/year>2024 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

VIOLATIONS OF PRIVACY : PRIVACY ACT OF XXXX XXXX XXXX The INFORMATION RELATING KIMBALLTIREY IS NOT RELATED TO ANY TRANSACTION or Contracts in the name of CONSUMER. XXXX will need to provide the direct contract in which they have with the company who sold them a debt proving that they are authorized to collect for this said company and that they are not just a company that bought a debt According to the Fair Credit Reporting Act 15 USC 1681 Section 602 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right for privacy. As a protected consumer I have a right to make sure that my personal nonpublic information isn't shared which is confirmed by law 15 USC 6801. : It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.. 15 USC 1681c ( a ) 5 states except authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item that is being reported again, without my permission which is against the law. 15 USC 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 the information is inaccurate.

15 USC 1681e : Every consumer reporting agency SHALL maintain procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 
15 USC 1681C-2 block of information resulting from identity theft A consumer agency shall block the reporting of any information in the file of a consumer that consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

15 USC 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

15 USC 1692e7 ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
Product: Mortgage

I recently closed a loan with Prospect Mortgage. I received my initial disclosures indicating that I have a 3.99 % interest rate. Once I signed and return the initial package. On XXXX/XXXX/2015 my loan officer emailed my saying that the interest rate went up to 4.125 %. and said he would like to lock the 4.125 % rate to provide us the security of rates getting any higher, but still having the free float down option of lowering the rate if the market gets better by 1/8 % up until closing. I agreed to the 4.125 since he said the interest rate were risingassuming I was getting new disclosure, however I never got a revised disclosure and the next thing I know we were closing the loan at 4.125 %. At the time it went by so fast I end up signing documents. Now thinking back, I wish I was given a revised disclosure showing my new rate, what my amortization would have looked like prior to me closing loan. Does TILA and RESPA require a lender to redisclosuse if the interest rate is higher than the initial disclosure? If so, doesnt this mean Prospect violated these regulations. Can someone assist me. Thanks XXXX
Product: Credit reporting

Experian is reporting that I have an open and unpaid judgment in XXXX County, NY court. I have previously disputed with the bureau because the judgment was vacated due to improper Process Service. They have refused to remove the public record. The judgment has been vacated and therefore should be removed from my credit report.
Product: Credit card or prepaid card

In  XXXX     2016, Capital One char ged me an annual fee. I called up customer service and had them close out my card to remove the fee. This was supposed to be done per customer service.  XXXX  and  XXXX  came and I receiv ed zero mai l correspondence until late  XXXX  when I was told my account was 60 days past due plus on top of the annual fee they charged me  XXXX  late fees. Again, this card was supposed to be closed out therefore not giving me a 30/60 day late on my credit report. I tried to speak to customer service several times but they just hangup on me.