23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

NOTICE TO UPCOMING LAWSUIT FOR VIOLATING A 15 USC 1692c ( c ) WRITTEN REQUEST. CFPB TAKE NOTICE, THAT THE CEASE & DESIST WAS RECEIVED BY CAINE & WEINER VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. PURSUANT XXXX XXXX XXXX ( c ). OF THE FDCPA STATUTE IS CLEAR. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the Second Circuit Court of Appeals addressed the scope of a consumer 's cease and desist request under Section 1692c of the Fair Debt Collection Practices Act ( FDCPA ). The court clarified that such a request obligates the debt collector to cease all forms of communication with the consumer regarding the debt, including communications with third parties like credit reporting agencies. This interpretation underscores that a consumer 's cease and desist request under Section 1692c requires the debt collector to halt all communications related to the debt, including those with third parties such as credit reporting agency THE FDCPA DEFINES COMMUNICATIONS AS TO INCLUDE ANY AND ALL FORMS, IN ANY MEDIUM OR FORMAT TO ANYONE INCLUDING MYSELF OR ANY THIRD PARTY. IT STATES ALL COMMUNICATIONS AND COLLECTIONS ATTEMPTS MUST CEASE. IT ALSO STATES THAT A CONSUMER HAS A RIGHT TO REFUSE TO PAY A DEBT WHICH I CLEARLY WROTE IN MY CEASE AND DESIST LETTER. COURTS HAVE RULED REPORTING TO CONSUMER REPORTING AGENCIES AMOUNTS TO COLLECTION ATTEMPTS AND AMOUNTS TO THIRD PARTY COMMUNICATION. SO AS DEBT COLLECTION COMPANY ARE GOVERNED BY THE FDCPA, THERE IS NOTHING IN THE FCRA OR FDCPA REGULATIONS THAT GRANTS A DEBT COLLECTORS THE ABILITY TO IGNORE A CONSUMERS RIGHTS UNDER THE FDCPA. WHEN A CONSUMER IN WRITING INVOKES 15 USC 1692c ( c ). THE REPORTING, COMMUNICATING, AND COLLECTIONS ELIGIBILITY CEASES UNDER THE FDCPA WHEN A CONSUMER INVOKES 15 USC 1692c ( c ) AS IT STAND CAINE & WEINER COMPANY CONTINUES TO IGNORE MY WRITTEN CEASE AND DESIST REFUSAL TO PAY LETTER. I WILL BE SUING FOR EVERY INSTANCE OF THE COMMUNICATIONS TO EVERY THIRD PARTY AFTER RECEIPT OF THE AFOREMENTION CEASE AND DESIST LETTER.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX  XXXX NA - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX OF XXXX XXXX BALANCED {$1600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Debt collection

I CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/year>. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM XXXX XXXXXXXX SOLD TO PORTFOLIO RECOVERY ASSOC. THIS ACCOUNT IS FRAUD AND NOT VALID. I HAVE NEVER DID ANY BUSINESS OR APPLIED FOR ANYTHING WITH XXXX XXXXXXXX IN MY LIFE. IVE ASKED THIS COMPANY PORTFOLOP RECOVERY ASSOC TO PROVIDE ME WITH A ORIGINAL CONTRACT WITH MY SIGNATURE WITH XXXX XXXXXXXX, NO RESPONSE. SECOND THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THIS DEBT BEFORE PLACING IT ON MY CREDIT REPORT 1682C-2. IM WELL AWARE THAT I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO COLLECTION. THIS COMPANY IS IN VIOLATION OD FCRA 615 ( F ) ( 15 U.S.C. 1681M PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME 30 DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION. LASTLY A DEBT THAT IS IDENTITY THEFT CAN NOT BE SOLD OR PURCHASED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  ( XXXX XXXX XXXXXXXX XXXX ), account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has stated it has removed the extended fraud alert on XXXX occasions and has yet to do it. They keep asking me to submit information that I already submitted over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate information to three major bureaus and this is hurting my credit score. They are reporting that I owe a balance of {$2900.00} The payment status is charged off but they keep updating the file. Also they are listing different information to each of the three major bureaus. They reported to XXXX  that their last date reported was XX/XX/XXXX, they reported to experian that their last date reported was XX/XX/XXXX, and reported to XXXX that their last date reported was XX/XX/XXXX. There is also inconsistencies with the date opened. XXXX states that this account was opened XX/XX/XXXX, XXXX shows that this account was open XX/XX/XXXX as well as experian. To my understanding everything must match when reported to each bureaus. This account is reporting with much inconsistencies as well as false information.
Product: Debt collection

I was paying Fein, Such, Kahn and Shepard a XXXX a month payment since XXXX/XXXX/XXXX. In XXXX XXXX I ran into financial issues and called them initially to stop the payments. A paralegal named XXXX stated that I needed to write a letter. I wrote a letter and stating I needed to stop payments until XXXX of this year. They claim they tried to contact me and sent me letters. I verified that they did receive my letter and they still seized y bank account in XXXX XXXX even though I had been paying them and wrote them a letter. After I spoke to XXXX he said I was in default when I did what he asked. They then tried to continue payments even after he told me I was in default and that they did n't accept my letter. When I called the court they told me the lawyer also re-filed against me for XXXX when the original debt was only XXXX and I had paid down XXXX of it. XXXX could not explain why an additional XXXX was added to the debt only blamed the court for filing it wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I formally wrote a Cease and Desist to Innovis on XX/XX/2022. I sent the letter via certified mail, the tracking number is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX website states " Delivered, Left with Individual '' on XX/XX/2022. As of today, XX/XX/2022, the company has not responded to me. Additionally, I have yet to receive the Innovis report I ordered on XX/XX/2022. 

I asked for all original records in this letter, as well as evidence of my express written authorization to Innovis to share my information with unaffiliated third parties. According to the XXXX XXXX XXXX XXXX, XXXX XXXX must tell their customers about their information-sharing practices and explain to customers their right to " opt-out '' if they don't want their information shared with certain third parties. 

The acts of Innovis have directly and indirectly ruined my financial reputation. These actions satisfy the prerequisites for a libel case. I'm asking the CFPB for assistance in obtaining a statement from this business stating why they are harassing me, breaking the XXXX, and ignoring my request.
Product: Checking or savings account

I have a checking account with TD bank, last year, I discovered there's a {$3100.00} fraud check written by another person, and the bank handed the money to them. I contacted the bank, and after about a month, the money was finally given back to me. Now my account looked over the book more carefully, and found out there's another fraud check for {$1000.00} posted in XX/XX/XXXX. I contacted the bank, filled out the fraud check affidavit, and to my surprise, the money didn't come back. I received a letter from XXXX XXXX, Their Sr. investigator. Telling me since I didn't report the fraud within 30 days of that happening, they're not giving me the money back. How is that possible, the bank made the mistake, and they are blaming me for not keeping an eye on my account? I have written to the bank 's chairman hotline email, there were never any acknowledge or response. This is bank fraud, plain and simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice an incorrect collection account on my credit report from Russell Collection Services in the amount of XXXX. I dispute this information with the company in XX/XX/2018 which I didn't receive a response. On XX/XX/2018 dispute the info with Credit Bureaus which I received a response account verified. Ask for the steps how was it verified in still no response. Call Russell collection and still have received proof of account. I am a victim of identity theft
Product: Mortgage

I completed / closed on a refinance loan in XX/XX/XXXX, with XXXX XXXX XXXX, {$240000.00}. I have statements from XXXX XXXX that accurately reflect Escrow and Principal amounts along with correct recording of my payments and property tax payments. I also have bank statements that prove I made these payments. 
XX/XX/XXXX - XXXX XXXX deposited {$3600.00} into my escrow ( from my loan ) XX/XX/XXXX - I made my XXXX mortgage payment to XXXX XXXX for the amount of {$2800.00}, {$500.00} extra was applied to principal, {$500.00} was for escrow, the remaining was applied to principal and interest. 
XX/XX/XXXX - I made my XXXX mortgage payment to XXXX XXXX for the amount of {$5300.00}, {$500.00} extra was applied to principal, {$3000.00} extra was applied to escrow, {$500.00} normal payment to escrow, remaining amount applied to principal and interest. 
As of XX/XX/XXXX, XXXX XXXX correctly identified my principal balance as {$230000.00}. 
As of XX/XX/XXXX, XXXX XXXX correctly identified my escrow balance as {$7600.00} On XX/XX/XXXX, XXXX XXXX correctly paid my tax bill of {$2500.00}, leaving an escrow balance of {$5100.00}. 
-I received notice in XXXX that Freedom Mortgage would start servicing my mortgage on XXXX XX/XX/XXXX. 
XXXX - I received a statement from Freedom Mortgage that I was due to make an XXXX mortgage payment, my escrow balance was {$1600.00}, my principal balance was {$230000.00} -WRONG- -I contacted Freedom Mortgage Customer Care XXXX several times stating that have already made my XXXX payment and that escrow and principal numbers are incorrect. Nothing changed. 
-XX/XX/XXXX & XX/XX/XXXX - I emailed bank statements, and XXXX XXXX documents to XXXX to further support my claim that Freedom Mortgage number are not correct.

-I have recently found that Freedom Mortgage also made a tax payment and now refuses to request a refund from my town hall. They made this transaction prior to the XX/XX/XXXX, service date start. I have a document that proves my XX/XX/XXXX, tax bill already paid. 
-I have called spoken with Freedom Mortgage Customer Care so many times ( Wednesday XX/XX/XXXX with XXXX , Agent # XXXX ) and nothing, nothing has changed. 
XXXX - I made my XXXX mortgage payment under the threat from Freedom that my credit score would be affected if I did not pay by XX/XX/XXXX. But the numbers they have are WRONG! I should be able to apply extra money towards my principal, i.e. take the extra money from escrow ( that should be there ) and apply towards principal ... .but they are denying the money exists!!! I am also scared they are not accurately accounting for my principal amount!!!! I have ZERO trust for this company. What can I do??? 
XXXX - Sent email to XXXX to request they stop servicing my escrow. I will pay my own tax and insurance from this point. I don't know what I can do about my town-hall as they refuse to refund me.
Product: Consumer Loan

A delinquent account is reported to my credit agency, after I refuse to pay charges that have no explanation and no justification for the charge. I am provided no information that assists neon verifying any location, date or service. The only information I receive is that if I do n't pay it will affect my credit which it already has!
Product: Vehicle loan or lease

When I got a new lease of a new car from XXXX XXXX of XXXX in Spring of 2015, I was offered floor mats for a fee of {$100.00}. I declined. At the conclusion of my lease of a XXXX  XXXX XXXX, I was presented with end of lease fees. Included in those fees were ( 4 ) {$35.00} charges, totaling {$140.00}, for missing floor mats. 

I have tried repeatedly to address this with TFS ( Toyota Financial Services ), the  dealership, and the Toyota Customer Experience Team. My case # with the Customer Experience team is XXXX. The agent I have worked the most closely with on this team, named XXXX, told me over the phone in XXXX that the dealership admitted to her that they did not include floor mats in my lease. The dealership has promised me ( in early XXXX ), and XXXX, in late XXXX, that they would pay the {$140.00} fee directly to TFS, since TFS is demanding payment, despite my not having received these floor mats at any point during the lease. 

Despite their admission, and promises, the dealership has not remitted payment to TFS in the amount or {$140.00}, nor any amount. TFS claims the dealership contacted them on XX/XX/XXXX to do " research. '' The customer experience agent XXXX  claims the dealership has promised to call her back to resolve TWICE, with no call actually made. I am getting nothing but the run around and lies from the dealership, and the Customer Experience team is no longer being helpful ( three times they have promised to follow up with me only to never call ). Of course I should not owe money for a product I never received, and Toyota needs to figure this out internally.
Product: Payday loan, title loan, or personal loan

Took a loan out for {$1200.00} have paid back {$1200.00} before Loan was due on XX/XX/XXXX. Balance has not gone down and still shows 12 payments of {$450.00} due every month. Have asked company for loan docs, asked why Loan balance hasnt reflected the {$1200.00} payment and what the payoff balance is. They will not work with me or show my loan as paid in full.
Product: Credit card or prepaid card

On XX/XX/XXXX my account with Capital One had gotten closed due to 3 chargebacks / returns made from my bank due to the fact that I had mistakenly put in the wrong account and / or routing number. Due to this issue, I contacted customer support for only to have them simply tell me that theirs nothing they can do, dispose of my card and file for a new card but Im unable to qualify for a new card with Capital One or any other credit card provider. Im in the process of getting a house and Im worried that this might delay my chances/ opportunity to get it due to a minor mistake that I could have simply fixed if I was more aware of the situation with my account/ routing number being an issue. I hope to dispute this and be able to get pre approved / qualified for a credit card since I was able to pay off my credit before the due date and Im currently self employed so I am responsible enough to handle and build up on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to demand immediate action regarding the unverified negative items that persist on my credit file. Despite my repeated challenges and requests for investigation, these unjust and inaccurate entries continue to tarnish my creditworthiness and violate my consumer rights.
Product: Credit reporting or other personal consumer reports

Facts : In XXXX I received a postcard from Equifax saying there was a freeze on my credit file. I contacted Equifax and asked them to take the freeze off and asked why was it put on in the first place? I was told that I had requested it. This was not accurate. I had not contacted Equifax. 
On XX/XX/year> I contacted my credit union ( XXXX XXXX XXXX XXXX ) because I had applied for a car loan several weeks earlier and had not gotten a response. I spoke to XXXX XXXX XXXX from the credit union who informed me they could not process my application because Equifax did not give them access to my credit report. 
I contacted Equifax and spoke to XXXX in the customer service department. I asked why the creditor could not access my credit report. I was told that there was an internal hold on my credit file. When I inquired further, I was told to mail a copy of my drivers license and social security card. I mailed in the proof of ID and contacted them again on XX/XX/XXXX to confirm receipt. I was told they had not received it and I needed to go to their website to upload a copy. I went to their website and there was no secure place to upload the information. I called Equifax again and was told to re-mail the documents. I mailed multiple copies of my ID and social security card to Equifax to ensure that they received it. When I called then again on XX/XX/XXXX, I was told they had a copy of my ID but couldn't read it. I was told to re-send another copy of my ID and social security card. 
In the interim, I check my credit report and score on myEquifax.com. My score at the time was XXXX. That was on XX/XX/XXXX. I received notices from credit monitoring services that I subscribe to saying my credit score dropped as of XX/XX/XXXX. On XX/XX/XXXX, I tried to log into myequifax.com and was denied access. When I checked the monitoring services, my score had dropped to XXXX. I have been consistently paying down my accounts and have not had any new credit issued in several months because I was preparing to purchase a car. None of my data has changed ( address, phone number, employment, etc. ) so what would cause a XXXX-point drop in my credit score with minimal activity? 
I would like you to investigate Equifax because I have been getting the run-around from them, Ive been denied access to my credit report, and Ive had a huge unexplained drop in my credit score and none of this was happening until I tried to get information from Equifax. 
Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX
Product: Debt collection

Noticed a large decrease in my credit score and noticed a new collection from Midwest Recovery Systems trying to collect a debt for XXXX XXXX XXXX. Ive never had a payday loan & know this account does not belong to me.
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports on or about XX/XX/XXXX, I noticed false and inaccurate information between all three reporting agencies. Among that information is incorrect and old spellings of my name and previous names, old employment history and inaccurate, non-mailable, duplicate addresses that needs to be updated. 

In accordance with The Fair Credit Reporting Act 15 USC 1681 section 602, it states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, TransUnion and XXXX are consumer reporting agencies and I am the Consumer. I have a right to make sure my private information is accurate, correct and without error.

False, incomplete, and old information must not appear in background check reports, and a persons complete consumer file, per the CFPB.

The CFPB issued guidance on permissible purposes for accessing consumer reports, identifying and eliminating obviously false and junk data, and resolving consumer disputes.

These reported inaccuracies are in complete violation of The Fair Credit Reporting Act, and The Privacy Act of 1974.

In accordance with 15 U.S. Code 1681e - Compliance procedures. ( b ) accuracy of reports. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid.
Product: Debt collection

Im writing to file a former complaint against Factual Data They showing up on my credit report as they pulled my credit file when I dispute it the first time they send me a letter that my verbal authorization was given to a company that I have never heard of before and that I have never requested to pull a copy of my credit. I called and spoke with a supervisor at factual Data they told me they were not the one who handle it to try calling another number. If factual data does not handle such account why is it in my credit report as factual data. This to me sounds like fraud and Im requesting the inquiry be deleted right away from my credit report.