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

NOTICE TO CEASE AND DESIST XXXX XXXX, XXXX. Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe XXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX, XXXX. You have XXXX business days after receipt of this Notice to block all the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of any debt to coerce payment of the debt by sending the letter dated XXXX XXXX XXXX ( see exhibit A ) and you can also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I hereby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Product: Money transfer, virtual currency, or money service

I tried to use Marcus savings account to pay my rent. It was processed for the first month. And by the second month, they froze my account without informing me which cost me {$68.00} fine. After I unfroze the account by XXXX, I tried to call Marcus and try to transfer {$4500.00} to my other checking account 4 times, by calling the customer services, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Every time, the transaction was disputed with no notification. Every time I call, they come up with new reasons why my transaction was disputed. It was either " we can't confirm your original checking account was closed '' or " we can't verify your new checking account exist ''. And every " specialist '' have setup phone calls with external checking account 's bank to confirm, and they still ask me the same question over and over, and DISPUTE my transaction right after. 

I also tried to setup a monthly transfer from Marcus to the external account, when the customer service lady repeated my requirements, she said " transfer FROM external account TO Marcus account '', after correcting her she still made it wrong way and it ended up wire money out of my external account. I tried to call and dispute that transaction, and I was told I need to wait for 7-10 business days for it to work. During this long time, I can't wire money out while it takes this little time to wire money in? And dispute takes that lone time to take place?? 

They are purposely preventing me from using my own money. I have waited lone enough. I need to get it fixed right now.
Product: Mortgage

I have contacted NewRez multiple times and my last attempt was XX/XX/23. When I sign on to their website it doesnt show my loan. When I select the option to find my loan I receive the following information an error as occurred or unable to locate the account. I have tried using different web browsers and mobile apps and XXXX cant access my mortgage information and unable to pay. 
I spoke with a representative who advised its a known problem but the mortgage company failed to notice me. I have paperless statements so when I received notifications to view my mortgage statement online I dont have the option. The representative sent me a copy of my XXXX mortgage statement but I want to know why havent this been addressed?
Product: Debt collection

On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original  creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX , I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Product: Debt collection

Cavalry Portfolio Services bought a debt that I allegedly owe. They did not contact me once to inform me of this. I had no idea about this until months later when Cavalry contracted with another creditor to collect on their behalf. To this day, Cavalry owns this debt and has never contacted me.
Product: Mortgage

On XX/XX/XXXX we apply to Keep Your Home California for a Reduction of Principal Balance of my mortgage. We got approved on XX/XX/XXXX for a Reduction of or voucher of {$75000.00} towards the Principal Balance of my Loan with Seterus Mortgage. Seterus Mortgage received the amount of {$75000.00} from Keep Your Home California Relief Program, around XX/XX/XXXX or XX/XX/XXXX, since then we have encounter a delay from SETERUS to apply to amount to make the modification or our Loan with them, we called them and ask them and they have a very unprepared employees working for them they do n't know how to help us to resolve what is happening with the money that they get from the State to help us out, but they assure us that the money is there is just waiting to be allocated in the Loan. In the meanwhile calls and calls from the Collection Department to collect the money that they not even know why we own the money to them. It has been a very hard process for us because the suppose to send us the package that we need to sign and they forgot to send it to us at the end. And this happened a couple of times already and still they do n't have the Loan fix yet. The {$75000.00} is still in their position waiting for them to work and apply it to our Loan. We are very stress out with this, they had lost our paperwork a couple of times as well. We do n't know what to do anymore.
Product: Checking or savings account

Phone call made on XXXX to close Business checking account. After being told that my account would go into a closing procedures I was told all transactions would be stopped or put on hold, and that a check would be cut for the remaining balance of {$1700.00} by mail to my personal address. 

A charge of XXXX for {$870.00} went through my account, and I did n't know until I got my statement and I was still waiting for a check in the mail. At this point I was confused and called the XXXX, and filed a claim dispute as the agreement between this company and I were done with our contract. I reached out to this company and XXXX to no avail for a solution. 

In the end I waited a week to call XXXX back to see the process of my claim, and they claim that I was suppose to be responsible and notify them within XXXX hours of charge. I was not expecting anything to be put through if I was told my account was on hold. In fact I expected them to just send me the remaining balance and assume it would be here instead of getting a statement notifying me that I was charged for an unauthorized charge I did not give consent. 

Now what if someone went on vacation and charged {$13000.00} to an account and I did n't get back until XXXX days later, would I be out of that money. That 's not the way to do things and for XXXX policy to be within XXXX hours is absurd. The XXXX at the XXXX NY XXXX XXXX branch had stated the same thing. And how come a personal checking account is givin a grace period of XXXX days and the business account is not. I will not settle for XXXX being a corporate XXXX, and will not do any of my personal banking with them.
Product: Debt collection

Debt was taken out in XXXX XXXX paid on the debit from XXXX till XXXX without ever missing a payemt, now that I have stopped paying on the debt the loan was sold off, I do n't think I owe the debt any longer due to I 've paid the XXXX back with intrest and then some. 

In XXXX a class action lawsuite was broght against the companty the loan was taken out with due to unlaw pratice and how they posted your maoney against the loan. 

Now I 'm being sued by some other comapny I have never heard of.
Product: Credit reporting or other personal consumer reports

***This is my second request re : statute of limitations on listed accounts. Please review. Thank you for your attention to this request. 

I am requesting a re-investigation of my consumer report using the following : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Subject : Urgent Demand for Removal of Outdated and Inaccurate Items on Credit Report Dear Sir/Madam, I am writing to demand the immediate removal of several items from my credit report that are beyond the statute of limitations. It has come to my attention that despite being time-barred, the following accounts continue to be reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} These debts have exceeded the legally enforceable time frame for collections, and their inclusion on my credit report is not only misleading but also violates my rights under the Fair Credit Reporting Act ( FCRA ). I expect your agency to adhere to the precedent set by the court cases : Hernandez v. I.C. System, Inc. ( 2019 ) : This case involved the removal of time-barred debts from a consumer 's credit report. The court held that attempting to collect or report time-barred debts violates the FDCPA, and consumers have the right to dispute and have such debts removed from their credit report. Miller v. Midland Credit Management , Inc. ( 2017 ) : In this case, the court ruled that debt collectors must accurately report the status of debts on a consumer 's credit report. If a debt is disputed and found to be inaccurate or time-barred, it must be removed from the credit report in accordance with the FDCPA. In light of the court ruling mentioned above, failure to promptly remove these items from my credit report will compel me to pursue all available legal remedies against your agency for non-compliance with federal regulations and court decisions. I insist on a thorough investigation into these matters and the immediate removal of the aforementioned items from my credit report. Additionally, I request a written confirmation detailing the actions taken to resolve this dispute and the updated status of my credit report. Your cooperation in rectifying this urgent matter is not only expected but legally mandated. Any further delay or negligence will result in legal action being pursued against your agency. Thank you for your immediate attention to this matter. 

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Product: Credit reporting or other personal consumer reports

I have noticed a recent inquiries on my report I ordered a 3 credit report and realize someone has been trying to apply for credit card under my identity which I did not authorized. Identify theft report was completed and attached please remove these remarks from my report I did not authorize the following inquiries - XXXX XXXX XXXX XXXX XX/XX/XXXX - Capital One XX/XX/XXXX - XXXX XXXXXX/XX/XXXX
Product: Debt collection

in XXXX. 2018, I returned both phones to sender within 60 days return dates of purchase. When phones were returned and mailed to their warehouse. account ending in XXXX.
Product: Credit reporting or other personal consumer reports

I have emailed four letter asking for Portfolio Recovery to provide me with debt validation and an assignment contract. The last certified letter that was sent was on XX/XX/year>. I have not heard back from the agency at all. They have added a debt on my account in the amount of {$2300.00}. The balance on the debt continues to increase monthly and I know that I am not responsible for this debt, however, the agency refuses to respond to my attempts to contact them. They just increase the amount monthly. I have tried calling the number listed for the agency but have yet to speak to someone that can validate that this debt is something that I am responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the company who placed the collection on my credit report twice already with no response or acknowledgement from them. This account was sold to this company after disputing with the last company that they were illegally reporting the wrong date as well on my credit report so they decided to sell it to diversified consultants now and they as well are continuing to report the incorrect delinquency date and these company continue to keep selling this account illegally restarting the delinquency dates. I ask that the CFPB have these collections removed from my account permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called Axcess Financial whom Ive never heard of says Ive taken out loans with their company. Ive never taken a loan out in my life. I contacted XXXX and XXXX notified them of fraud. I was told the loan originatated from a location in Texas, I live in California. After Axcess Financial was contacted by XXXX, I was sent a letter from Axcess Financial stating that they verified my identity by sending a One-Time Passcode to a phone number. Getting ahold of Axcess Financial directly seems to be an impossible task which Im assuming is done purposely to keep people from calling their company out on their business practices. Please help me remedy this situation. Thank you.
Product: Mortgage

My loan has reached below XXXX XXXX of the original loan value and I 've been trying too get the pmi removed for months. My first letter was sent months ago and they advised I would need a valuation on the home. I called asking if the pmi would go off my loan automatically and at what point or if I would always need a valuation. They person I spoke with in customer service advised that once the loan was below XXXX XXXX of the original value that it would come off. They sent me a list of ever payment and what that would bring my future balance to. Based off of the information they provided I chose to wait three months for my balance to go below XXXX XXXX of the original value. I called in again and was told that I could get the pmi off, but to send a letter. This letter was sent in early XXXX informing sls that my loan was now below XXXX XXXX. I just received a response to that letter asking to authorize a valuation. Since this contradicted what sls had avised previously I called on XXXX XXXX to discuss. I was advised during that call that all they needed from me was my signature on the letter. I even clarified during that call that they did n't need the valuation form signed. She told me if I faxed it in that day I could call in on XXXX to get an update on the status. I called back in on XXXX  XXXX XXXX and was told by supervisor XXXX that they would notify me in XXXX days and that they were probably just going to send me the valuation form again. I 've been sent in circles and sls is now costing me hundreds of dollars because of there misinformation. 

I would like confirmation on if my request will be honored or if the will be requiring a valuatuon. If a valuation is required I will need this to be at the expense of sls as their company has been providing me miss information causing me to incure hundreds of dollars in pmi that is n't required on my property any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX collection agency contacted me to discuss a claim in reference to my daughters XXXX XXXX XXXX XXXXXXXX I advised them that I was working with dental office and my insurance carrier that the is a dispute between my surgical plan and my dental plan. I advised that they are both pointing the fingers at each other. my company HR representative is also working on it. this is not my fault, its a insurance issue. As of XXXX XXXX, 2017,  theres a 180-day waiting period before unpaid medical debts can show up on consumerss credit reports giving me and my insurance carriers sufficient time to investigate the representative from agency was rude and told me they were going to sue me. 

all 3 bureaus have placed on my report
Product: Checking or savings account

In reference to an outstanding complaint, Chase called me at work and stated that in order to share information with the 3rd party given as an authorized contact for the complaint, they would need to send paperwork to me and I would have to send it back. I suggested do not delay their response and instead respond only to me. They filed a misleading response that they could not verify authorization. 
The company can not respond because of an unauthorized third party. 

XX/XX/2018 **Hello, Thank you again for your complaint XXXX about JPMORGAN CHASE & CO.XXXX 
We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it cant respond to this complaint as it lists an unauthorized third party. ** Not only did I verify the authorized party over the phone, but my electronically signed complaint form that CFPB provided contained the authorization they claim they do not have. Chase has provided no recourse, and is using this duplicitous argument to delay responding to my complaint. I have received no request for further authorization in writing, and so can not provide proof of the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 and XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX at Transunion on XX/XX/XXXX about a unauthorizes account that appears on my credit report, I request the following to be delete and removed off my Transunion credit report : " XXXX  " account # XXXX open on XX/XX/XXXX in the amount off {$5500.00}, " XXXX/XXXX '' account # XXXX open on XX/XX/XXXX in the amount of {$500.00}. I did not authorize any of these accounts. I am requesting that the above unauthorized account be blocked and removed immediately from my Transunion credit report due to my identity been stolen.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to not only my credit health, but my life as well.