23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Demand for Immediate Cessation of Unauthorized Access and Use of My Personal Information I am writing to formally demand that you immediately cease the unauthorized use and dissemination of my personal financial information. Your actions are in clear violation of 15 U.S. Code 6802, also known as the Gramm-Leach-Bliley Act ( GLBA ), which governs the sharing and dissemination of nonpublic personal information ( NPI ) by financial institutions and other entities. 

Your actions are in direct violation of my rights under the GLBA, which prohibits the sharing of nonpublic personal information ( NPI ) without my express consent or authorization, unless there is a lawful exception that you can demonstrate. To date, you have not provided any evidence of such consent or authorization on my part, nor have you demonstrated any legitimate basis for having or using my personal financial information. 

As per 15 U.S. Code 6802, you are prohibited from disclosing or using my nonpublic personal information for collection purposes unless I have provided explicit, written consent. To that end, I demand that you : Cease and desist from further collection efforts, including the use of my personal and financial information, until you can provide proof of your legal right to possess and use such information. 
Provide a full explanation of how you obtained my nonpublic personal information and what specific legal authority you claim to have for processing and using that data in your collection efforts. 
Provide written confirmation that my personal and financial information will be immediately removed from your records if you can not produce valid, lawful consent or authorization from me. 
Provide me with a written assurance that my personal information will not be further shared, sold, or disclosed to third parties without my express written consent. 
Failure to comply with these demands will leave me no choice but to pursue all available legal actions, including, but not limited to, filing complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The State Attorney Generals Office The Office of the Comptroller of the Currency ( OCC ) In addition, I will explore all avenues of legal recourse under the GLBA to seek damages for the unauthorized access and use of my nonpublic personal information, including the possibility of a civil lawsuit for any violations of my privacy rights. 

Consider this letter your final warning : if you do not cease all collection efforts, remove my information from your records, and provide me with the requested documentation to prove your right to have and use my personal data, I will pursue every legal remedy available. 

I expect to hear from you in writing within 15 days from the receipt of this letter. Failure to respond or act appropriately will result in immediate legal action. 

Sincerely,
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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, 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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Money transfer, virtual currency, or money service

The XXXX of XXXX i sent money to pay my MORTGAGE I sent XXXX payments in different transactions anyways WESTERN UNION decided to declare that we're suspicious and after XXXX days they haven't sent or return the money and I got an eviction alert if I don't pay!!! 

XXXX XXXX XXXX case number
Product: Debt collection

On XX/XX/XXXX I was contacted by a representative of Frontline Asset Strategies about a debt owed in the amount of {$1000.00} for our XXXX XXXX account dating back to XX/XX/XXXX. So I am not sure what this bill is for. We were getting foreclosed on at the time and were able to do a loan modification and not loose our house. Our home loan was taken over by XXXX. I thought all the debt was taken over by XXXX. Frontline can not tell me what the bill is for, only that it is from XXXX.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with CKS PRIME INVESTMENTS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$540.00}
Product: Money transfer, virtual currency, or money service

I am trying to log onto my grain account with no luck. I have reached out to the company and it takes them days to respond and when they do, they say that I need to delete the app and log in again. I have done this numerous times with still no access to my account. They rarely respond and when they do, its generic instructions. It says Ive been locked out of my account for 24 hours and its been this way for months. I tried to update my password and when I click on reset password, nothing happens. This is a complete mess!
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit bureaus are up to their dirty tricks again. Reporting false and inaccurate addresses on my credit files. 

they are reporting the following addresses which are INCORRECT 1. XXXX XXXX XXXX XXXX, NC XXXX ( I DO NOT LIVE IN NORTH CAROLINA ) THE ONLY ADDRESS THAT SHOULD BE REPORTING ON ANY OF MY CREDIT REPORTS IS XXXX XXXX XXXX XXXX  XXXX CO XXXX ARE THE BUREAUS THIS DUMB TO REPORT AN ADDRESS THAT IS SIMILAR BUT IN AN ENTIRE DIFFERENT STATE. THIS IS WHY THEY MAKE ERRORS ON PEOPLES CREDIT TO INTENTIONALLY HURT THEM AND RUIN THEIR CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX  XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the continued presence of fraudulent items on my credit report despite numerous follow-up attempts to have them removed. 

Despite submitting disputes and providing supporting documentation on numerous occasions, these fraudulent accounts persist, and my previous follow-up attempts have not resulted in their removal. 

I demand that your agency conducts an immediate and thorough review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. 

Failure to address this complaint satisfactorily and in a timely manner will leave me with no choice but to escalate this issue further, including seeking legal recourse to uphold my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$0.00}. 
.
Product: Mortgage

" Due to hurricane IRMA on XXXX XXXX, XXXX, we submitted an insurance claim for damaged and lost personal property. The insurance company made the check payable to us and Roundpoint Mortgage Servicing Company, NMLS ID # XXXX. We sent this check in the amount of {$3700.00} to them on XXXX/XXXX/XXXX for their endorsement and return but still have not received this check back. I try calling them and their phone system keeps dropping the calls. I e-mailed them with no response to date. We are trying to replace personal property and can not do this until we get the funds returned. It should n't take this long as their mortgage does not encumber personal property. This was explained to them in my transmittal letter sent with the check. It is making me nervous that they are unable to be contacted nor do they respond to my e-mails. '' This is the original complaint. We originally sent them the statement of loss from the insurance company on XXXX XXXX, XXXX which identified the payment for loss as " contents '' and also more recently the personal property inventory listing. Continue to have difficulty getting through on their phone system, no response to e-mails or messages left on their website and " Chat '' representative could n't help. Still have n't received our insurance proceeds.
Product: Credit card or prepaid card

I have had an altercation with someone I owe as a result of my money being absent at the time I needed to pay someone something. 
I have been assaulted as a result of the transaction ( s ) pending even though my account did not have enough funds to make the purchase. I got into altercations in which at I wasnt able to remove myself from the situation because I was pent down and having an XXXX XXXX paired with a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I could not remove myself from the situation because my life was being threatened by my body because of the unavailable cash. If I did not faint my chest would have arrested completely without sufficient airflow to my understanding and even then I didnt know if I would wake up or not after. These transactions were made not peer to peer, but was made with their cash card. I do not have a borrow allowance. Cashapp says these transactions were voided, but whether they were voided or canceled by the merchant or the card company after I, the cardholder, already pleaded to have removed and returned was denied. Whilst that was still happening my injuries incurred and are still incurring. Does the company Cashapp deny that at the time of this happening that I was injured and that is because of Cashapp posting cash for these transactions in which was never supposed to be posted in any fashion or reasoning? Cashapp has evaded this question to no avail to Local and Governmental Authorities. This whole ordeal has caused me a great toll of emotional distress and pain and suffering. I want a resolution of {>= $1,000,000} for the Cost of Preventing a Fatality.

{>= $1,000,000} for the Emergency Implemented Value of Cost of Averting a Fatality.

{>= $1,000,000} for the Value of My Statistical Life {>= $1,000,000} as for what is satisfactory to ( me ) about this situation NON-NEGOTIABLE due upon the acknowledgment that these transactions ever pended. Whether the transaction ( s ) were voided or canceled Cashapp can not deny that the injuries that I incurred occurred because of them and they have let this misery fester to extraordinary lengths. If Cashapp will not admit their blame then XXXX XXXX XXXX will have to corroborate their guilt.
Product: Checking or savings account

Recurring checking account deduction which have not been authorized since  XXXX  of {$21.00} being paid to   XXXX    XXXX . My wife and I have not authorised this type of transaction.
Product: Debt collection

I was applying for a mortgage and I discovered on my credit report a {$110.00} debt from years ago owed to XXXX. I have never been contacted by XXXX nor the debt collector and I also have never even had an account with XXXX. I called XXXX, who referred me to the debt collection agency, and they provided an account number. When I called XXXX with that account number, they acknowledged that the address they had on file was one that I had never lived in. Further, they do not have my social security number or any other of my personal information on file, confirming that I have never had an account with them. However, they are still making me jump through hoops just to attempt to remove this debt, including filing a police report for " identity theft '', when in reality my identity had not been stolen as my personal information has not been compromised.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federally protected consumer I am now opting out of all authorization. I the consumer may have given you written and unwritten, verbal, and nonverbal per 15 USC 6803. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX Acct # : 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX Acct # : 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 an account without my written instructions.
Product: Debt collection

On XX/XX/2022, Hunt & Henriques LLP, a debt collector, sent me a letter attempting to collect an alleged debt they alleged I owed to XXXX XXXX XXXX. ( ATTACHMENT A ) On XX/XX/2022, Hunt & Henriques received my request for debt validation via certified mail ( ATTACHMENT B ). My response included a notarized AFFIDAVIT OF TRUTH ( ATTACHMENT C ) where I asked Hunt & Henriques ( debt collector ) to validate and verify the alleged debt according to my rights as a consumer. I also served them a notarized Cease or Desiste Notice ( ATTACHMENT D ) to inform them to stop all communications or attempts to collect his debt ( which I was in fact disputing ) until they have fulfilled my request for debt validation and verification. I also requested that they provided answers, point by point, to the affidavit I provided them with. This is so I can ascertain that this is in fact a debt I owed. 

On XX/XX/2022, Hunt & Henriques LLP sent me a notice ( ATTACHMENT E ) that did not comply with my lawful request for debt validation, verification and did not answer or rebutted any of the additional information I requested in the AFFIDAVIT I sent them on XX/XX/XXXX. Their response only included a COPY of a bank statement, and did not properly verify and validate the alleged debt. Fact, I, the affiant, am aware that an unrebutted affidavit stands as truth in commerce. 

On XX/XX/2022, Hunt & Henriques LLP, sent me a notice ( ATTACHMENT F ) threatening to start legal action against me for the alleged debt they FAILED TO VALIDATE and VERIFY despite the fact that I have, in fact, disputed such alleged debt. 

According to the CFPB, a debt collector must stop any attempts to collect debt until they have properly verified the alleged debt. This is not only an infringement of my rights as a consumer, but also a violation of the Cease and Desist notice they received via certified mail on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Ford Motor Credit for their failure to properly investigate and remove a fraudulent car loan account that has appeared on my credit report, despite numerous attempts to resolve the issue since XX/XX/year>. 

This account was fraudulently opened in a state where I do not reside. Since discovering this account, I have followed all necessary steps to address the situation, including providing Ford Motor Credit with the following documents : Police report documenting the identity theft.

FTC Identity Theft Report.

Identity Theft Affidavit.

Proof of residency, including a recent utility bill, which was requested as a substitute for my drivers license due to ongoing fraud concerns.

I have mailed these documents to Ford Motor Credit on several occasions and have called multiple times to discuss the matter with their representatives. Each time, I have been asked to resend the same documents. Most recently, on XX/XX/year>, I received yet another letter from Ford Motor Credit requesting that I resend all previously submitted documentation. 

On XX/XX/year>, I faxed my utility bill, ID Theft Affidavit, FTC Report, and police report again, along with a copy of Ford Motor Credit 's letter. During this process, a representative assured me that once the documentation was received, the fraudulent account would be removed from my credit report. However, despite complying with every request and submitting the appropriate documentation, this account remains on my credit report. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of inaccurate or incomplete information from consumer credit reports. I demand that Ford Motor Credit immediately remove the fraudulent account from my credit report and cease any further reporting of this erroneous information. 

Please investigate this matter promptly and take action to ensure that my credit report is updated to accurately reflect my information. 

Thank you for your attention to this serious issue.
Product: Credit reporting or other personal consumer reports

PLEASE DELELETE IS ACCOUNT NOW XXXX XXXX XX/XX/XXXXO Account Number : XXXXXX/XX/XXXXAccount Number : XXXXXX/XX/XXXXXX/XX/XXXX Account Number : XXXX XX/XX/XXXXAccount Number : XXXXXX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXX/XX/XXXXAccount Number : XXXXXX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXXAccount Number : XXXXXX/XX/XXXX Account Number : XXXX
Product: Credit card

I purchased some clothing for my birthday at our local XXXX store in XXXX. I had not used this card in a very long time, I have XXXX and XXXX and naturally forget a lot of things. In XXXX when the bill came, I opened and noticed that it was due XX/XX/year>, the day that I opened was XX/XX/year>. I called immediately and spoke with a customer service representative and explained the situation and she stated that she could reduce the late fee to {$15.00} but was unable to completely remove the late fee for XXXX days late. I asked if I paid the balance in full if there was anything they could do and she said they were unable to make any adjustments. So I asked her what was the balance and she stated {$120.00}, and I asked if that would be paid in full and she said yes. So I paid the full balance on XX/XX/year>. I did not think to look at the statement again because I had paid it in full and did not expect any other bill as I had not charged anymore on the card and the balance had been paid in full. I noticed in XXXX that I had received another statement and when I opened I saw that I now had {$60.00} in late fees applied to my card. I called a spoke with XXXX different employees and both were very unwilling to do anything to help me. I again explained the situation and how I had paid it off and both of them just kept repeating that I had late fees due. I do not understand when you call and ask what your balance is and they tell an amount and you pay that amount how you can still be charged more late fees on a XXXX balance. I have had this card for almost XXXX years and have never not paid it. I believe the late charges are excessive since I do not carry a balance on this card anymore. I would like them to be removed from the account. I did receive XXXX more phone call recently about this, and they are still asking for the {$60.00} in late fees for a bill that was XXXX days late and paid in full as soon as it was noticed,. Thank you for any consideration.
Product: Credit card or prepaid card

This is an issue with Barclays Credit Card and XXXX XXXX XXXX. 

My spouse opened a credit card in XXXX. He added myself as an authorized user. Later, he closed the account and settled the debt directly with Barclays. A few months later, this delinquency showed up on my credit report. Shortly after, he called Barclays to find out why it was on my card and they said the account was resolved and closed. 

A couple years later, XXXX XXXX XXXX started contacting me that they purchased my debt. I have tried multiple times with them as well as Barclays to find out why it continues to show up as a delinquency on my credit report. Through every dispute that I have made and every contact, they all say that it is my debt and I need to pay it.

The bad part here is that : 1. It was my husband 's credit card, not miner.

2. He closed the account.

3. He resolved the debt.

4. After all this, it is still showing as a debt collection on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card Account balances are zero balances are incorrect not updated XXXX XXXX, XXXX XXXX, and XXXX XXXX  credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan with XXXX XXXX XXXX for my XXXX  XXXX XXXX was paid in full on XX/XX/2018. I was sent the tittle and the congratulations letter from the company stating that it was paid in full and the account was settled. When I applied for another loan for a car I was advised that the car I paid off was showing on my credit report as a repossession instead of paid off as it should have been. I contacted the loan company, after telling me that my car was repossessed they saw that it was an error and they were sorry. i've been denied for 2 loans as an result of this being on my credit report, causing my score to drop considerably.