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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Subject : Request for Removal of Unauthorized I identity theft Late Payment Account Dear Equifax I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized Identity theft late payment account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

The original creditor reported that I was married, which sky rocketed my insurance premium. They never sent any information so I can defend the dispute. As a result they placed a XXXX account in collections on my credit.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 

XXXX XXXX XXXX XXXX {$320.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud or their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act North Carolina State Employees Credit Union has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 100 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I tried to negotiate a settlement with the collection agency. They reduced it only nominally. I still can't pay the amount and still can not get an apartment for my family which includes a child. We are homeless because of this XXXX  ( wrongful ) debt.
Product: Student loan

They will not send me my whole private loan payment history. On the website just has the past year, I have requested this ledger several time and receive no response.
Product: Mortgage

My mortgage was sold to Green Tree mortgage which became XXXX ditech. I overpaid my mortgage {$150.00} per month and had a years worth of overpayments in unapplied funds. I called the customer service number and asked this to be transferred to principal or refunded to me. Somehow this triggered me to be in collections ( I never missed a payment, always over paid ). 
This unapplied funds was sent to escrow and none of the XXXX people I spoke to could figure out how to fix this. They had no ide idea how I was in collections while overpaying, I have at this point been calling and calling to have this unapplied funds sent back to me, I am now told it was sent to principle but they are not really sure, I want the money sent back to me as I do not see it anywhere on my account anymore. Customer service has not been taking calls all week and the people who answer the phones are nasty and really incompetent. Please help and warn everyone about this nightmare of a company.
Product: Student loan

I became eligible for Public Service Loan Forgiveness in XX/XX/XXXX and had XXXX qualifying and approved payments noted on my account with my servicer Mohela. I was transferred to Mohela in XXXX. In XXXX, I updated my employment when I switched employers. That form was processed in XXXX days and my count was brought up to XXXX in XXXX. I submitted a PSLF form to initiate the loan forgiveness on XX/XX/XXXX. Since filing, I have received XXXX messages to my email and Mohela account that have referenced recent loan payoffs and consolidation- neither of which is accurate for my account. I have been told incorrect information by customer service regarding my processing being held up as they were waiting for loan consolidation. I have not consolidated any loans since XXXX. It's now been XXXX days since I submitted the form and there has been no action taken to update my payments from XXXX to XXXX. I am being told that it could take up to the end of XXXX to get the count updated and then another XXXX business days after that for forgiveness to initiate. With all of the incorrect information that has been at play, I am very worried that Mohela does not have an accurate understanding of my account and it's holding up my public service forgiveness. As an aside, this is now causing problems with obtaining a mortgage, so I've had to get my account put back into repayment and am making payments far past the XXXX qualifying payments. 

I've attached the letters I've received erroneously.
Product: Credit reporting, credit repair services, 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 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 written instructions
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date of Birth : XXXX XXXX : XXXX Date : XX/XX/XXXX To : National Credit System , Inc . 
XXXX XXXX  XXXX XXXX XXXX, GA XXXX Subject : Formal Debt Validation Request for Account # XXXX Dear National Credit System, This letter serves as a formal request for validation of the alleged debt listed above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting detailed validation to substantiate this debt.

Required Validation Details To validate this debt, you must provide : 1. Proof of Debt Ownership : A copy of the original agreement or contract with XXXX at XXXX XXXX XXXX that shows my liability for this debt. 
Documentation of all charges, fees, and payments that contributed to the balance of {$130.00}. 
2. Proof of Legal Authorization : Evidence that National Credit System has the legal right to collect this debt, including the transfer or assignment agreement. 
3. Verification of Debt Timeliness : Confirmation that this debt is not time-barred under the applicable state statute of limitations. 

Cease Collection Activities Until the debt is fully validated : You are required to cease all collection activities, including reporting this debt to the credit bureaus. 
Continuing collection efforts without proper validation is a violation of 15 U.S.C. 1692e.

If you fail to validate this debt within 30 days, I will escalate this matter with complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I went into EZ Money thinking I was getting a reasonable installment loan to pay off an emergency bill. I received a total of {$2100.00} and now as a result have an almost {$300.00} biweekly payment, specifically {$270.00} for 15 months total payback {$4100.00} with interest and fees.. I do not want to go into default having trouble paying this back. I am simply requesting for a representative to give me a call to get this resolved in regards to the fees and interest being stopped in order for me to pay this back in payments. I do understand the whole concept of interest and fees, but these are way to high and unreasonable, seemingly to be a legal rip off. I do not wish for this contract to be explained for I feel I am very thorough in what I am asking. Again I ask for the interest and fees to be stopped at this point and whatever has accrued to this point I will pay and for me to pay this back as I borrowed. I also ask for the revocation of all withdrawals and deposits be deleted from account. I do want this to be publish so if there is anyone else out here in a crunch to please go to a bank and get a loan, which the bank makes money off of loans as well but not unreasonably. I could have done just that I now wish I would have because I have an awesome credit score and history and I do not want this to interfere. Again I state cease and desist any and all WITHDRAWALS/ DEPOSITS From BANK ACCOUNT AND INTEREST AND FEES UP TO THIS POINT AND ALLOW SUITABLE PAYBACK. PLEASE HAVE CORPORATE representative CALL ME. 

MY NUMBER IS XXXX, THANK YOU!
Product: Credit reporting

Transunion denied me access to my free annual credit report by asking me to pay to include my credit score. First of all, I do not want to give them my credit card information regardless of how cheap it is. Second of all, FREE is free. All I want is my free annual report. XXXX and XXXX did n't give me any problems with receiving my free annual credit report. Transunion is the reason I requested my free annual credit report in the first place. They lowered my credit score almost XXXX points after they purchased XXXX XXXX where I was monitoring my credit score every month. I just paid off XXXX bills and pay all my bills on time. My credit situation has been the same for XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX XXXX XXXXXXXX EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX EQUIFAX XXXX XXXX XXXX EQUIFAX XXXX XXXX Equifax
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account Vulnerable and Unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These action has caused significant inconvenience and financial loss, and I seek appropriate redress for these violation.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : XXXX, Capital XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX 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 XXXX 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

I Dispute Owning Any and All Alleged Debt to the Collection Company SPRINGOAKCAP XXXX Spring Oaks Capital LLC of XXXX VA. 
Date Opened XX/XX/XXXX Balance of {$680.00} Payment Status Listed as Collection/Chargeoff Can not Be Accurate. The Account Can not be both a Collection and Charge Off Date Last Active XX/XX/XXXX Can not Be Accurate. It is Simply Impossible, False and Deceptive. 

The Illinois Statute for Collecting Debt has Already Expired and Passed for this Alleged Debt. 

I Revoke All Rights of Spring Oaks Capital Collection Company from Communicating with Me via Mail, Email, Text or Telephone Calls. 

Spring Oaks Capitol Collection Company has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) And have placed a Collection on My XXXX Consumer Report. 

I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Spring Oaks Capitol Collection Company is violating my consumer rights by Using False, Misleading, Misrepresentation, and Deceptive Means. 

Spring Oaks Capitol has made Several Inquiries to My XXXX Consumer Report without My Consent. 

Spring Oaks Capitol Collection Company has no authority to furnish any Account to a Consumer Reporting Agency Without providing any and all disclosures Required by law and are in clear violation according to 12 CFR 1006.34 ( d ) AND 15 USC 1681-S2 ( 7 ) ( A ) I am requesting Proof of Notification that this Collection Company provided Me prior to this Account being added to My Consumer Reports.

I am requesting the Method of Validation for this Alleged Debt.

I am requesting the Purchase Agreement between this Collection Company and the Original Creditor that this Alleged Debt was Purchased from.

I am requesting Proof that this Collection Company is Licensed and Bonded to Legally Operate as A Collection Company.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filling an complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. $ XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation,.
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong AR RESOURCES INC company this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt. 

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 


Furthermore you have no jurisdiction or authority to collect on this allege debt. 

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

volenti non fit injuria Volenti non fit injuria is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You AR RESOURCES INC knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Product: Debt collection

XXXX XXXX XXXX I went to XXXX XXXX XXXX for a 15 minute consultation. I later found out that the manager is known to be a fraud and scammer. He started to try and issue false claims to my insurance company. I connected with my insurance company and told them it was fraud. I emailed with the investigator at the insurance company and eventually, the claims were blocked as the insurance company agreed it was fraudulent claims after I provided evidence about my XXXX XXXX XXXX  Given that the owner still has my information, it appears that he is now trying to issue claims through a debt collection agency called Capital Accounts LLC XXXX XXXX. I received a debt collections notice in the mail from a creditor called XXXX XXXX in XXXX through Capital Accounts LLC. The reason why I know this is the same fraud con artist is because I have read online that this fraudulent individual has done the same scam to many people here in XXXX. I have never been to a XXXX XXXX XXXX XXXX