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

in accordance with the Fair Credit Reporting act XXXX Account # 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 regional acceptance I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED
Product: Debt collection

Professional Placement Services is reporting at least XXXX separate debts ( {$65.00} and {$61.00} ) on my credit report that I am disputing. 

I called and they said I have XXXX accounts in their office, with these 'client reference numbers ' XXXX XXXX XXXX The company may note that all of these debts are disputed and that I'm requesting that they cease all collection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently took a closer look into my credit report and found out about fraudulent reporting on my credit report. So far 51 accounts all from a company out of New Mexico : Collection Resources Inc. I have Spoken to the owner which claimed he would get this situation taken care of by today/ per phone call conversation on Monday XX/XX/ 2019. I called him back today requesting documentation of what all has been done. He asked me what I wanted. I repeated myself and he hung up on me. Attached are the accounts that I have come across thus far. Currently awaiting 2 more reports to cross reference
Product: Credit card or prepaid card

I tried to request a credit card through American Express as a natural born living consumer. American Express only had one option as far as a form to fill out to request the credit card. They had an application for a credit card that involved me being forced to click a consent button in order to try to receive a credit card through American Express. The consent button that American Express forces their consumers to click, forces the consumer to give American Express to look at non public information of the consumer. Also pursuant to 15 usc 13, a corporation is not to deny or deprive consumers of like commodities or services. Therefore, American Express is discriminating against me as a consumer. If American Express approves certain consumers due to a decision based from nonpublic information then they should lawfully approve every consumer. Im in fact a consumer, a natural living person, and not a citizen. Im in a sovereign XXXX XXXX XXXX. Not only are my consumer rights being violated but my religious beliefs are as well. My consumer rights and my religious beliefs both state that I am in fact the Original Creditor of any and all consumer credit transactions. The constitution also states in Article 1, Section 10, clause 1, that there is NO LAWFUL money in circulation. There is only credit due to lawful money ( gold ) being confiscated by the US corporation. So American Express is denying me credit thats due to me. If there is no lawful money then i cant pay on a debt. Pursuant to 18 usc 8, all debts are obligations of the United States. I also have 2 recorded phone calls that are too big to be attachments on this site but i do have handy.
Product: Credit reporting or other personal consumer reports

As per my written request of XX/XX/year>, the following debt collection agencies and credit bureaus have ignored my request and ignored the law by not submitting to my request for debt validation of the debts being reported on my credit report. 

the DEBT COLLECTION companies in violation of the law include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter for you to notify to remove some inaccurate items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following items are inaccurate and need to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

n accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/23. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/23. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts be corrected. 

XXXX XXXX  Balance : {$160000.00} XXXX  XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}
Product: Credit card

I have a credit card through Avant I requested for them to close my account via mail and email. I have not made a payment in over 195 days they are keeping the card open indefinitely so my balance and late fees keep accumulating to theyre advantage and are referring that this credit card is a personal loan which it is not. They are being predatory by not closing this account which will soon be 195 days late racking up almost XXXX in fees they seem to want to do this indefinitely. They keep sending me unauthorized text messages asking me if I want to use my card make a payment. I am so underwater because of these fees. They seem to want to keep doing this forever I have been accruing late fees for over 8 months I believe this is illegal
Product: Debt collection

This phone number : XXXX keeps calling me since my Dad died in XX/XX/XXXX. There are NO assets. There is NO will. I am not an executor. I am NOT responsible for his debt.
Product: Credit reporting or other personal consumer reports

Today ( XXXX XXXX ) I submitted an application for an apartment, and to my surprise I was decline. It stated I was being decline due to XXXX reporting a Civil Court Record by XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX that was filed on XX/XX/XXXX and judgement date on XX/XX/XXXX. I was unaware I even had a judgement. I quickly contacted the Silver Collection Property Manager ( XXXX XXXX ) and she confirmed that I have a {$0.00} balance and provided me with my general ledger with the Silver Collection as of XX/XX/XXXX ( please see attachments ) that shows from XX/XX/XXXX through XX/XX/XXXX I have fulfilled my monthly rent during my tenure at this property. And I was never evicted from the XXXX XXXX. So, I don't understand how a judgement was entered on XX/XX/XXXX and I still reside at the property until the end of my lease on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I requested that TransUnion investigate and validate the following accounts reporting on my credit report : I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : 1. XXXX XXXX XXXX Acct # XXXX XXXX 2. XXXX XXXX XXXX Acct # XXXX XXXX 3. XXXX XXXX Acct # XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be immediately removed from my credit report within 30 days. 

On XX/XX/2020 I advised TransUnion that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX XXXX Acct # XXXX XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX 3. XXXX ( Acct # XXXX ) On XX/XX/2020 I advised TransUnion that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX XXXX Acct # XXXX XXXX 2. XXXX XXXX XXXX Acct # XXXX XXXX 3. XXXX/XXXX  ( Acct # XXXX ) On XX/XX/2020 I advised XXXX  that previously disputed accounts I don't agree with the results of your investigation. Please mail me the proof of your investigation or delete the negative information for the following accounts : 1. XXXX XXXX XXXX Acct # XXXX XXXX 2. XXXX XXXX XXXX Acct # XXXX XXXX 3. XXXX XXXX Acct # XXXX )
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

Chase bank opened a business account for me and as soon as I deposit my business checks they closed my account with over XXXX dollars in it and its been almost two months and they still havent send my money that was deposited in my account what do I do
Product: Student loan

Currently, Navient is reporting inaccurate status information to the XXXX credit bureaus XXXX, XXXX and XXXX regarding the XXXX student loan accounts. These accounts were not part of a Chapter XXXX bankruptcy, claimed filed with government, paid or being paid by Insurance Company. Additionally, the accounts have not been 90-180 Days or More Past Due. 

I have asked Navient & XXXX XXXX to STOP AND DECSIST IMMEDIATELY from reporting inaccurate information to the credit bureaus.
Product: Debt collection

My issue is n't with the debt collection agency, Penn Credit as they were merely doing their job, my complaint is actually regarding XXXX for failing to provide alternate payment methods ( other than traditional check ). My bank account is a green account, and I do not receive paper checks. If I want physical checks, I can obtain bank checks at both personal and financial inconvenience to me as a consumer. By failing to provide alternate payment methods, such as debit card payment or the ability to pay online, they 've significantly impacted both my credit, and my bank account. Every year since 2010 I 've had to wait until my account goes into collections in order to pay with a debit card. This practice seems to be both unfair and deceptive. I have to pay additional fees to the collection company to pay with a debit card, and also the balance of the personal tax increases nearly double in amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporing Act, Portfolio Recovery 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. 

With regard to Portfolio Recovery, who is the collection agency responsible for an original debt owed to XXXX XXXX XXXX. 

First and foremost, Portfolio Recovery furnished my credit report to the credit bureaus for the purpose of investigating a dispute without my written instuctions which has violated both section 602 A and Section 604 A Section 2. 

Furthermore, the dates reported on my credit report are incorrect. The date the account is listed to have been opened is fraudulently reported. I have disputed this information with Portfolio Recovery in an attempt to rectify the incorrect dates appropriately, however, Portfolio Recovery continues to knowingly report false information on my credit report. 

Some versions of my credit report depict different account information than other version of my credit report reporting on this same account, a clear and obvious depiction that Portfolio Recovery is reporting incorrect information as Portfolio Recovery, themselves, can not even keep the information straight.
Product: Debt collection

Beginning in XXXX, I started receiving calls from a collection agency called LTD Financial Services about a debt I owed to XXXX. They indicated the amount but wouldn't specify what type of debt it was. I told them that wasn't my debt and I even called and visited the corporate office of XXXX to get proof that I had no debt on my bank records. I received a letter from them on XX/XX/XXXX but was postmarked XX/XX/XXXX. I have filed a dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$69.00}
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This company has called me multiple times a day, at all hours, including early in the morning and late at night, for several days in a row. All these phone calls occurred without written notification of debt or debt collection. When I answered one of the calls I was harassed and bullied by the person on the phone.
Product: Debt collection

I am writing to dispute a fraudulent account. I am a victim of identity theft, and I did open this account. I didnt give anyone permission to open this account using my information. I am requesting that the account be closed & removed from my credit report. Please investigate this matter and correct the fraudulent account as soon as possible. In addition, pursuant to FACTA, as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account.
Product: Debt collection

I request erc to delete this collection off my credit report. I do not have a contract signed with erc. Erc is a debt buyer. They dont have my permission to have my personal information. I request they ceast & desist. I want them to delete this collection ASAP
Product: Debt collection

Around the XXXX, I was sued by XXXX a subsidiary of XXXX, for the unpaid Chase Bank USA , NA, debt which was jointly incurred by my former husband and I but was in my name. Before XXXX filed a lawsuit, I attempted to settle the matter with them explaining that I was going through difficult divorce, financial hardship and health issues. XXXX did not care about any of this and filed a lawsuit anyway. After XXXX hearings, I felt XXXX took advantage of me since I could not afford an attorney and I was XXXX XXXX at that time. XXXX literally got me to accept their full terms and give them a first payment before I even had a chance to review their proposed paper work. I also learned recently that XXXX took my first payment before it even prepared my settlement agreement and filed a conditional settlement notice with the Court. Additionally, XXXX failed to comply with California Rule of Court XXXX by failing to immediately alert the Court regarding the settlement. 
Around the second part of XXXX XXXX, my consultant XXXX XXXX XXXX and I reached a final agreement with XXXX to settle the outstanding balance. We indicated, both verbally and via email, that our intention was to make an immediate payment in exchange for a prompt dismissal of the pending litigation. XXXX attorney XXXX XXXX XXXX agreed to these terms in her XXXX XXXX, XXXX, settlement offer letter and the following correspondence. 
After XXXX XXXX contacted XXXX XXXX ' office 45 days after the settlement pursuant to California Rule of Court 3.1385, she stated to him that the dismissal was filed and she was waiting on the Court to dismiss the case. XXXX XXXX followed up with XXXX XXXX few days later and her answer was still the same. At that time, we contacted the Court directly and learned that no dismissal paper work was filed. XXXX XXXX lied to us and her untruthfulness was later confirmed by her attempting to backdate the dismissal a copy of which we have on our file. 
As a part of XXXX and XXXX XXXX ' untruthfulness, their negligent actions and their failure to comply with California Rules Of Court 3.1385 to timely dismiss the Court case, XXXX XXXX and I had to expend additional time and resources to work on the settlement reimbursement with my former spouse. When we brought the late filing issue to the attention of XXXX and XXXX XXXX, she threatened to go after me for the balance discharged as a part of the settlement. 
In good faith, I had made timely payments to comply with the settlement terms and yet, once XXXX received my final payment, it reneged on the terms of its own settlement letter. Furthermore, XXXX failed to comply with California Rules Of Court and later attempted to cover up its negligent actions. I truly hope that your office conducts its own objective investigation in this matter to prevent XXXX from harming consumers who, in good faith, comply with their settlements with XXXX while XXXX feels entitled to renege causing consumers to incur additional expenses.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing this letter of acceptance to bring to your attention an issue that I have been noticing with my monthly statements from Discover for account XXXX. Since the beginning of my Credit Card agreement, I have been receiving a monthly statement along with a coupon for payment. I have taken the time to research the definition of a statement, bond, instrument, and coupon in order to better understand the nature of these documents. According to XXXX XXXX XXXX, a statement is a written or printed account of something, whereas according to XXXX XXXX XXXX, a bond is a promise or written obligation to pay a sum of money. Similarly, a coupon is a detachable portion of a bond or other certificate that can be redeemed for payment. 
I have come to notice that by accepting both the coupon and a physical payment, Discover is engaging in double dipping. This appears to be a form of Trust fraud, as you are not only receiving payment against my trust, but also accepting a check separately. However, I am willing to overlook this issue under the condition that my accounts be reopened with updated credit lines. 

I have sent numerous coupons in the past, all of which have not been returned to me. This is seen as your automatic acceptance of the coupons, as I have kept a record of all the coupons that I have submitted, in which all of the coupons were endorsed with my beneficiary signature. According to the Rule of common law contract, these coupons are redeemable and should be used to settle my debt. As these coupons were sent via certified mail, Discover has contractually agreed, through the postal rule, to accept them.

I kindly request that you look into this matter and ensure that my accounts are reopened with updated credit lines. I trust that you will address this issue promptly and appropriately.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX  Beneficiary