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

Equifax, XXXX, and XXXX are illegally furnishing a consumer report of me containing exclusions which is a violation of FCRA ( 15 U.S.C. 1681a ) which states that a " consumer report containing information solely as to transactions or experiences between the consumer and the person making the report '' is excluded from the consumer report. In case these consumer reporting agencies are not aware, I offer them an opportunity to remove these violations. I demand my privacy be taking seriously and if these agencies continue to violate I demand the CFPB fully enforce its obligations to hold these reporting agencies accountable for their actions in violation of the FCRA and consumer Privacy laws.
Product: Credit reporting or other personal consumer reports

SEE ATTACHED XXXX AND CEASE & DESIST DEMAND FOR DELETION
Product: Credit reporting, credit repair services, or other personal consumer reports

Americollect, Inc are reporting two alleged debts to My Consumer Report and also are in violation of 15 USC 1692c ( a ) ; communication without prior consent. 
15 USC 1692e ; using false deceptive or misleading representation and also in violation of 15 USC 1681 ( a ) ( 2 ) must have written instructions of the consumer to whom it relates I have disputed the items with the company I've sent in several letters and upon them calling me to ask me about the debts no letter was responded too. 

This is also identity theft by obtaining personal information without prior consent in creating an account in my name without my knowledge I understand 18 u.s.c. 894 will also be violated once a police report is filed and it's already been stated to them that they are in violation of these other codes and nothing has been done I'd also like to point out according to the nmls consumer access website they aren't legally allowed to do business in the state of North Carolina
Product: Debt collection

I have made many attempts to remove debt collection company JH Portfolio from my XXXX, XXXX XXXX, and XXXX, this Debt collection company has been trying to collect a debt i do not owe in the amount of { {$730.00} } and { {$1900.00} } for several months. I have messaged JH Portfolio several times stating that this debt does not belong to me, i have requested copy of the original contract with my wet ink signature, i requested debt validation, i have requested voice recording or video surveillance of me signing up with the original creditor or agreeing to pay JH Portfolio or the original creditor. I requested a photo copy of my id and a wet ink scanned signature. I have requested JH Portfolio to provide a copy of certified letter and receipt that they claim that was sent to me. This company has not provided any of this after several request. This company keeps sending me in the mail a computer printed credit card statement with a name similar to mine with a balance that doesn't show the purchase history, this statement doesn't show what was purchased, where or when. This statement does not show itemized items of how this balance of { {$730.00} } and { {$1900.00} } came to be. It appears to a be a fake credit card statement and a fraudulent debt generated by JH Portfolio. I have never agreed to this debt, i never signed any contract or agreement to pay this debt with JH Portfolio or any original creditor. Methods being used by JH Portfolio to validate this debt as accurate are inaccurate, this debt can not be validated!
Product: Vehicle loan or lease

On XX/XX/2019 I used Ally.com secure email to submit a request for an official title to be used to register my car. I provided the form from CT DMV with all the details and address to send the official title. 
On XX/XX/2019 I received a secure email with a non-certified photocopy of my title. So I emailed back that I needed them to send a certified copy to the DMV as originally requested. I provided the CT DMV form again at that time. I also called and asked to be connected to the Title Department and I spoke to XXXX who reviewed the record and said there was confusion as to a certified title and an official title. He agreed to send and official title overnight to me and he said I would receive a XXXX XXXX  tracking number once this was complete. 
On XX/XX/2019 I called Ally to inquire the status of my request. I was told there was no request on record so I made a verbal request and was told the title would be mailed and a copy would be emailed via secure email. 
On XX/XX/2019 I did not receive the copy so I emailed them again. They responded that they mailed a certified copy on XX/XX/2019 and again of XX/XX/2019. I replied that I had received neither but needed an official title mailed to the CT DMV. By the end of the day, I received nothing so emailed them again, reiterating that I need them to send the DMV the official title. 
On XX/XX/2019 I had a call from my daughter who lives at my prior address saying that she received a photocopy of a certified title dated XX/XX/2019. This can not be used to register my car. 
On XX/XX/2019 I received a secure email asking me to call Ally to discuss my complaint. 
On XX/XX/2019 I called the number and reached customer service in the XXXX and was asked to provide my account number, address and last four of my Social Security number before they could transfer my cal the the Title Dept. I asked for a supervisor and spoke to XXXX who said the main office would not accept unverified calls. I told her I would provide my account number but not anything further and asked for her to provide me with a direct dial number for the title department. She left me on hold for an extended period of time before saying she was not allowed to provide me with that number. I attempted to find the number myself online and called the main number for the XXXX MN office, however, the phone only rang and rang and no one ever answered. I attempted to chat to get a phone number and received an auto-response that I was 9th in the queue. After getting 6 notifications that my call was important, I gave up waiting. 
I sent another secure email asking them to phone me so we could discuss this and I am still waiting for a response. 
As you can imagine, after two weeks of waiting, and numerous attempts to request it, I am anxious to receive my official title and register my car. I am frustrated that I can not get this company to provide this document as I requested. While they have sent photocopies to me and my daughter, they have not provided a single official document to me or the DMV so I am still unable to register my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an auto loan through Wells Fargo and it has been a nightmare since day one. 
I am currently in the process of purchasing a home and I am having to put off my closing due to, guess what account? here it is XX/XX/XXXX, half way through the month and the last time they have reported anything back to the credit bureaus was XXXX. I have been calling Wells Fargo Auto Loan line everyday for the last month with no resolve and receiving the same excuse " it has already been sent '' even though all 3 bureaus still have the same exact information, last balance reported XXXX, last payment reported in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/year> XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Subject : Request for Debt Validation Account Number : XXXX Dear XXXX XXXX XXXX , I am writing to formally request validation of the debt you have reported on my credit report, as referenced by the account number above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and obtain verification of this debt before taking further action. 

Please provide the following Proof that you have the legal right to collect on this debt. 
A detailed account history, including the original creditors name, account number, and the date the debt originated. 
A copy of the agreement or contract that created the obligation to pay. 
A full breakdown of the total amount being claimed, including the principal, interest, and any fees. 

Until this debt is validated, I request that no further collection activities or reporting occur on this account. Additionally, if you are unable to validate the debt, I ask that you cease all collection efforts and remove the account from my credit report. 

I request a response within 30 days of receiving this letter. Please send your response to the address listed above. 
XXXX Thank you for your attention to this matter. I look forward to your prompt reply. 

Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my Federally protected consumer Rights to Privacy and Confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXXXXXX XXXX ACCOUNT # XXXX 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, STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C. 1681c. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINTING ANY OF THE FOLLOWING ITEMS OF INFORMATION, ANY OTHER THAN RECORDS OF CONVICTINS AND CRIMES WHICH ANTEDATES THE REPORT BY 7 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 RESONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE TO ALL ACCOUNTS.. 

ALL THREE CREDIT BUREAUS ARE COMMITTING FRAUD BY USING AND SHARING MY INFORMATION WITHOUT MY PERMISSION AND WITHOUT MY WRITTEN PERMISSION .. BY LAW.. 

XXXX XXXX  FORM SELLING SECURITIES THEY DID NOT GET MY PERMISSION TO PULL MY SOCIAL SECURITY ALL THREE CREDIT BUREAUS COMMITTING SECURITIES FRAUD THEY DIDNOT GET MY PERMISSION TO USE MY SOCIAL SECURITY. IF THEY DID WHERE IS THE FORM TO PROVE I GAVE THEM PERMISSION!!
Product: Debt collection

I have enrolled with Aidvantage for auto-pay of my student loans. Both XXXX and XXXX, my automatic payments were withdrawn and applied properly to my loans. However, Aidvantage continues to claim that my account is delinquent. Basically, they took my money and then said I never paid. All of this despite my history of payments being very clear on their website. 

I have contacted them many times over the past month about this with no resolution, despite their admitting my payments were made and there was an error on their end. They still show my account as being delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the 3 major credit bureau to have a bankruptcy remove my credit report. On XX/XX/2019 XXXX  removed this item from my credit report, than on XX/XX/2019 this agency put it right back on the report.
Product: Debt collection

I received an email on XX/XX/24 from Halsted Financial Services regarding an account being handled for XXXX XXXX bank and offered payment options for the amount of {$420.00}. I replied to the email on the same day requesting the original contract with my signature and Halstead Financial Service signatures but received no reply. The account balance was only XXXX with the original creditor initially so I am not sure why the extra {$120.00} was applied and I never received communication informing of my right to dispute the information. This information is being reflected as a negative item on my credit report, therefore I am requesting it be removed immediately and I be compensated appropriately.
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX XXXX Account Number : XXXX & XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX XXXX Account Number : XXXX & XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Debt collection

In an attempt to collect outstanding debt under 120 days with XXXX XXXX XXXX, without even once calling primary phone number associated with my account, MODLIN & ASSOCIATES , P.A . sent a detailed letter to my father 's residence outlining amount, nature and all details of debt. His wife is under treatment for XXXX XXXX XXXX XXXX to XXXX and XXXX and this was an unnecessary distress and harassment. Following the letter I immediately contacted Modlin, reiterated that I was aware of the debt and had every intention of paying, but was unemployed and would pay as soon as I could. I requested they contact me at the number I was calling from, the number they had for my account : XXXX XXXX. Following this, representatives proceeded to call my father 's ex wife from over 15 years ago, discussing details with her and informing her I was being sued. I have no contact with her but heard it from my father, after which I contacted them once again. After several messages left with no response, I finally reached a representative who informed me I was being sued. I was never served papers. I immediately made a payment of just under XXXX XXXX dollars to begin a repayment plan. I specifically inquired if this was a " settlement '' and was told in no uncertain terms it was not. Later that day I received a " stipulation for settlement '' I have correspondence from XXXX XXXX 2017 showing they had my correct address. Since then they have continued to attempt to serve me papers at previous address, new address with no apartment number etc. Presumably to be able to claim that the recordings of our phone conversation, which prove every detail of my statements, have been erased.
Product: Credit card

I made a purchase from XXXX with my Klarna Credit Card. There was a problem with the order, and the order was revised and not charged to the Klarna credit card ending in XXXX. 

A similar order with XXXX was placed with some of the items being revised and that order was charged to a different Klarna credit card ending in XXXX. I contacted Klarna after realizing the credit for card ending in XXXX was never issued. I spoke with XXXX who stated they never charged the card, and provided me with a letter stating so. I then contacted Klarna on XXXX XXXX, XXXX stating the dispute and Klarna stated they would verify and get back with me with any adjustments. On XX/XX/XXXX, Klarna emailed me with no investigation efforts, results, and stated I would need to resume payment for the charges for the card ending in XXXX. I have offered to provide the letter, and was told by Klarna that wasn't necessary, they would verify. Still no resolve. I am asking for all payments to be credited directly to me and any processing fees, and interest.
Product: Mortgage

In about XX/XX/XXXX my loan was sold from XXXX XXXX to SPS servicing. 

Prior to my loan being sold I had renegotiated lower insurance rates and the old insurance company had returned premiums to nation star. 

At the time the loan was sold nation star did not transfer this amount over with the escrow to SPS servicing. 

When I made nation star aware of it they transferred the funds to SPS fire a check payment that was sent via XXXX and signed for by SPS. 

Despite multiple calls to SPS trying to track this money, they assured me they did not have it. Because there was now a shortfall in my escrow account SPS servicing has raised my monthly premium. 

Last week during another call to SPS trying to resolve this they told me that they have had the funds since XXXX and have applied to principle. 

This is incorrect because it is escrow money not principal reduction money. 

They said they had no instructions from XXXX XXXX and did not know how to apply it. 

So instead of contacting me the owner, they decided unilaterally where to apply it. 

When I asked him to please resolve the incorrect payment and apply that amount to escrow they have refused. And said it is too late because the funds were applied in XXXX and its now XXXX. 

This is not my problem that they misapplied the funds. 

XXXX told me that they clearly marked that the check was escrow and why it was sent separately because of insurance premium reduction. 

This has raise my monthly payment. During these times it has put a strain on my financial position and this is unfair and its put me in an unfair position because they dont know how to manage the escrow account correctly. I need SPS servicing to apply those funds to the escrow account so that my premiums are reduced. 

I have informed SBA servicing that Im going to continue to pay my normal payment and I will not be liable for any late fees because they have not resolved the escrow amount correctly. 

SPS servicing had mishandled the escrow funds they received from XXXX XXXX
Product: Debt collection

I never had a contractual relationship with Online Information Service. I believe the original creditor, XXXX XXXX XXXX sold my account without providing proper notification. This is a clear violation of FCRA 611 regarding the reporting of inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax compromised my security and opened up MAJOR risk for financial loss and identity theft. 

My name, address, full social security, driver 's license are all available to the public due to this security breach on their part. Possible identity theft makes any credit or mortgage, employment concerns, now a valid threat to my me and my family.
Product: Debt collection

I cancelled service with XXXX till I returned from a trip and requested it to be reinstated. XXXX was sold to XXXX within in the next few months and filed a claim to enhance their financial books. 
This happened several years ago and XXXX has sent XXXX different collection agencies after me aiming to harm my credit. XXXX is apparently as corrupt and lacks business morals as XXXX.
Product: Credit reporting

I have made all payments on time to XXXX XXXX XXXX. However, this month when reported my credit score dropped XXXX points as a result of late payment. When reviewing the payment history, all sections are in good standing, however, it says I am 39-50 days late in that section as well. I am current with all payments, I have NOT missed or been late on a payment.
Product: Credit reporting or other personal consumer reports

Fraud accounts due to ID THEFT. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX DEPARTMENT OF EDUCATION {$1500.00} Charges filed XXXX XXXX POLICE REPORT attached, address, emails, current bank statement, FTC and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA
Product: Checking or savings account

I deposited a check of $ XXXX in my checking account at Huntington bank in the beginning of XX/XX/2022. The check was put on hold and my account was closed. Upon inquiring from the bank about what happened, they said we are confirming with donor bank ( XXXX bank ) about the availability of the fund and will let you know. XXXX weeks past by and upon farther inquiring I was told that fund was transferred from XXXX bank XXXX Huntington. However, there is investigation about the check and we need you to submit documents of identity and a letter from the donor of the check. I took my cousin ( the donor of the check ) and we went to the bank and we submitted all the required documents in the beginning of XXXX. XXXX weeks went by and no response. I went to the bank again last week, and I was told that I have to submit the documents again and wait for unknown period to get the fund released to me. I need your help in this regard. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX have 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 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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX 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.