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

Subject : Cease and Desist Communication and Reporting to Consumer Reporting Agencies To Whom It May Concern : This letter serves as a formal notice to Possible Financial to immediately cease and desist all forms of communication with me, including phone calls, letters, emails, or any other type of contact, regarding the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). This also includes reporting or furnishing any inaccurate, unverifiable, or outdated information regarding the alleged debt to any consumer reporting agency, as outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 15 U.S.C. 1681 ( a ) 4, 15 U.S.C. 1681 ( e ), 15 U.S.C. 1681 ( 6 ), Cease Communication Under FDCPA, 15 U.S.C. 1692c ( c ), I am exercising my right to request that Possible Financial XXXXXXXX  cease all communication with me about the alleged debt. Any further contact by your company will be considered a violation of federal law and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. 
Cease Reporting to Consumer Reporting Agencies Additionally, under FCRA, 15 U.S.C. 1681s-2 ( a ), your organization is required to ensure that all information furnished to consumer reporting agencies is accurate and complete. If the alleged debt can not be verified in full compliance with the FCRA and FDCPA, you must refrain from reporting it or promptly delete any inaccurate or unverifiable information. 
Violations Creditor did not Provide : Requested Validation Chain of Ownship ( Securitization ) Assignment Contract with Wet Signature Legal Consequences Please be advised that any failure to comply with federal and state laws will result in immediate legal action to protect my rights. This includes, but is not limited to, filing a complaint with the CFPB, FTC, and pursuing private legal remedies for damages caused by violations. 

Final Notice This letter constitutes my formal request under the FDCPA and FCRA. Any future communication regarding the alleged debt should only occur through written correspondence sent via certified mail to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Navient is repeatedly harassing my father, my sister, other family members, as well as myself, by calling multiple times a day in reference to my student loans. I have asked them to leave my family alone in the past and they refuse to do so. I asked them to take the cosigner off my loan and they won't do that either. I lost my job in XXXX and don't have the money to give them until I find a new job. My father is a Veteran and a retired XXXX year old man, who doesn't have any money to give them either, yet they still harass him every day! I want it to stop immediately!
Product: Credit card or prepaid card

In XX/XX/2022 my American Express credit limit was {$6000.00} In XX/XX/2022 my American Express credit limit was {$4300.00} No letters or correspondence explaining this discrepancy My credit rating has been negatively impacted My monthly payment has now jumped fro {$91.00} to {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes I would like to be reimbursed for the reported transactions
Product: Checking or savings account

I have made six attempts to resolve the two unauthorized charges on my account. 1 ) XXXX and 2 ) XXXX XXXX. I have called Bank of America customer service via their general information line. When I called I was put on hold for more then an hour. After spending over an hour with a virtual assistant at a branch who transferred d me to claims. At which point never reach a representative in the claims department. The issue has never been resolved. I request new accounts and cards. Which Bank of America then granted access to XXXX and XXXX. 

I called XXXX 's in the ( Alabama Call Center ) - Rep XXXX Case # XXXX and she refused to escalate the matter to a supervisor. She began yelling and screaming like an apoplectic child. She keep me on hold for thirty minutes. Then a individual claiming to be a supervisor XXXX ( Alabama Call Center ) - Rep ID ( XXXX ) Case ID- XXXX. She refused to identify herself, then hung up. I was able to reach XXXX who identified these two individuals. They then lied about being involved in the interactions to avoid accountability for their actions. Later admitting to their violations of Consumer Protection Laws and BOA policies.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account 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 XXXXXX/XX/XXXX
Product: Credit card

One monthly statement should withdraw one transaction from the cardholder 's bank account. However, Citibank 's multiple withdrawals of four different amounts from my bank account made a negative balance. Then my bank charged me overdraft fees in the amount of {$35.00}. And XXXX 's credit score dropped. 

Then, I realized that Citibank NA blocked my online account and let me not access it to view transactions, etc. as of XX/XX/year>. What an inconvenient bank they are!!!
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I have noticed several collection accounts on my credit reports that I do not recognize or have any knowledge of. These accounts are inaccurately listed under my name, and my attempts to resolve this issue with the credit bureaus have not led to any meaningful action. 
I have provided supporting documentation requesting verification and removal of these erroneous accounts, yet the credit bureaus continue to report them as valid without offering substantial proof. This has caused significant damage to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust. 
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, credit repair services, or other personal consumer reports

As has been the case for more then 18 month, Experian has transmitted through the United States Mail information that they know to be false, in statements concerning investigation a legally authorize dispute. Additionally due to their insecure credit reporting which offers not process of verification of accuracy, Experian has subjected me to attack by others or entities, and reporting their issues because of their lack of statutory security and verification process inaccurate reporting. 

Specifically Experian is maintaining the almost accurate report on this consumer, XXXX XXXX, Not XXXX XXXX XXXX, the additional XXXX isn't accurate, which means the report isn't accurate. Experian as advised by two credit lenders is maintaining and merging two separate credit files, one accurate associated with this consumer, and a second one operated by some entity or person using similar information. 

The merged report that Experian is subjecting me to has a name of XXXX XXXX XXXX, while removing the name from this consumers report, they refuse to remove the inaccurate information from the report. Specficially XXXX Bankruptcy XXXX is reported as XXXX XXXX XXXX, not XXXX XXXX, additionally the additional merged report operated by some person is using address XXXX XXXX XXXX, XXXX, SC XXXX, and social security number XXXX, which isn't this consumers. If the name has been removed from the report, and while similar in numbers, the number of XXXX isn't mine, since mine is XXXX. I advised Experian that their utilizing that address is creating this merging situation but they refused to address the problem. 

Specifically Experian isn't investigating anything, they are blanket stating that they verify information, as stated the bankruptcy belongs to XXXX, not XXXX which is this consumer. Experian reports an account previously removed but reinserted without the statuory requirement of notification, in the dispute on report XXXX, they removed the name that isn't verified as mine, while not removing the erroneous address of XXXX XXXX XXXX, XXXX, SC XXXX. As stated in previous disputes Experian states that creditor report this address, no creditor on my report report any such address, that's materially false. XXXX with account number XXXX, couldn't possibilily verify because on its first point its name is the name that they, Experian just removed. 

As further proof of the failure to safeguard this consumers information, the following inquiries were obtained with the following social security number but appear on my credit report, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card Appfolion residential screening
Product: Credit reporting, credit repair services, or other personal consumer reports

all my cards where paid in full I'm closing on a mortgage and I explained that my accounts where not showing accurate amounts as paid in full. 
XXXX XXXX card : XXXX - available : # XXXX XXXX card : XXXX -available : {$10000.00} XXXX card : XXXX - available : {$8900.00} XXXX XXXX card:XXXX- available : {$9000.00} XXXX card:XXXX available : {$5200.00} XXXX XXXX card:XXXX-available : {$1000.00} XXXX   card:XXXX-available : {$6000.00} barclays XXXX available XXXX Please help me
Product: Debt collection

In XXXX of 2014, a debt collector working under STP attempted to contact me at work. When I spoke to them during work hours, the rep told me that if I chose to not take care of the debt today that they would send someone to pick me up that day and proceeded to ask if my mother ( and asked about her name ) would be home that they would be waiting there too. I spoke to a supervisor at that time and she took my card information down so that they can retrieve the funds. I received a call from my father today claiming someone called him on his cellular phone, which I never provided. I call the number ( XXXX ) XXXX and the rep I spoke to was from a law firm that STP hired to settle this matter in court and that I never finalized payment. I agreed to pay off the debt on the phone in payments. I look up the number after the conversation and it is a debt collector. The way they contacted me, my workplace and my father was not right.
Product: Credit card or prepaid card

Today, I was trying to transfer my membership points to my XXXX XXXX account. But facing the issue like this : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria.
Product: Mortgage

Select Portfolio Servicing has committed fraud in state and federal courts and the Commissioner of Financial Regulation a state of Maryland agency.
Product: Mortgage

NOVAD was asked via XXXX XXXX for a payoff amount for closing purposes on or about XX/XX/2021. I, myself emailed XXXX XXXX XXXX ( this was a second request, XXXX having done the XXXX request a week earlier XXXX. I called 3 times, once on Wednesday the XXXX was on hold for XXXX minutes then again on the XXXX, was on hold for XXXX minutes and again on the XXXX and held for XXXX hour and XXXX minutes before someone finally answered, The woman I spoke with stated that obtaining a payoff figure is a XXXX day process and can not be expeditated. " There are only XXXX people working and there is a back log ''. There is also a recording stating if you leave your number you will get a call back the following day. I still have not gotten a return call from XXXX business days ago!! You would think a company would be happy to get you payoff figures so you can get the loan paid off.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX AFNI, INC. 
XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI, INC. 
XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. XXXX XXXX for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

CFPB, Get these panhandling frauds out of my inboxes. XXXX -- XXXX XXXXXXXX XXXX XXXX, XXXX All Rights Reserved XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices. 

XXXX -- XXXX XXXXXXXX XXXX XXXX, XXXX All Rights Reserved XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Product: Debt collection

I want to officially write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. The account number listed on my report is the following :
Product: Payday loan, title loan, or personal loan

I received a call from XXXX in XXXX, NY stating that they had received my online application and that I had been approved for a loan of {$5000.00}. ( I had applied for a few payday loans so am unsure as to which application this was. ) The installment loan appeared to be a reasonable rate and payment terms so I went forward with the loan. I originally spoke with a XXXX. She told me that in order to qualify for the loan, my 2 XXXX XXXX  credit cards needed to be paid off so that it would raise my credit score. If that happened then I would qualify for a lawn up to {$10000.00}. I stated I only wanted  XXXX and to move forward with that. She then stated that they would pay off the 2 credit cards, and I would have to go to XXXX  and buy gift cards for the amount of the payoff of the credit cards, so basically to pay them back. One of the payments came through from PNC Bank to pay off the amount of the credit card balance. XXXX XXXX  put a hold on the funds but PNC ( or whoever they are ) called the hold dept and got XXXX  to release the funds. I was then instructed to go to target and purchase {$6000.00} in gift cards, which I did. PNC/XXXX  then took the gift card numbers and pulled the funds from those to pay themselves back. The funds for the other credit card payment came into the account and then PNC/XXXX  reversed the payment and my account was charged a {$25.00} return fee from XXXX. I then started dealing with a XXXX XXXX who told me the bank was XXXX XXXX XXXX XXXX. His number is XXXX. He then told me in order to fund the whole {$5000.00}, I would have to have both the credit cards paid down to XXXX   again and do the gift cards at XXXX  before they could fund the full {$5000.00} loan. They made 2 payments on XX/XX/2019 and again reversed one, which caused XXXX  to charge my account another {$25.00}. XXXX put a hold on the other payment again as I told this XXXX guy they would and I would need proof from their end to prove to XXXX   that the money was good. He refused to comply with that request and then threatened to cancel the transaction. He was only corresponding with me via text, and when call the different numbers, they answer the calls in different ways. I realize this is a complete scam so I wanted to play it through to see what they do. I have cancelled my 2 credit cards so at this point, they can no longer make or reverse payments from my accounts.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Debt collection

This Debt collection agency has continued to report erroneous information on my consumer profile since XXXX of XXXX. I have written multiple letters to them as well as the Original Creditor regarding the dispution of this debt ( See Attachments ). I never authorized an account with the original creditor be opened in my name in the first place. The original account has been in a charge-off status for months, and now Midland credit Collection agency is claiming I owe them a debt of over XXXX XXXX Their negligence to fully investigate this matter and validate this alleged debt before placing this on my report has drastically damaged my consumer profile. This is Libel. Furthermore, the collection agency has violated my consumer rights under the FCRA by failing to report my account as disputed dispite their several written notices of my dispute. I have received multiple notices that my personal information has been involved in data breaches ( See attached document ). I have been working fiercely to clear my name of unauthorized accounts and any associated transactions. I have filed a claim regarding this matter with the Federal Trade Commission ( See Attached documents ). This collection needs to be removed from my credit profile immediately.
Product: Checking or savings account

I was transferring my XXXX ( k ) into my Bank of America checking account so I could transfer it into my Merrill Lynch fund on XX/XX/2023. The Manager of the bank approved the deposit and I received a printed receipt stating that {$5300.00} would be available on XX/XX/2023 and the balance would be available on XX/XX/2023. Without letting me know, the bank changed the hold on the ENTIRE balance to XX/XX/XXXX. I had electronic payments going thru on the 21 since my receipt said the money would be there and, of course, all the XXXX bounced. When I talked to a representative of the bank, she said the hold had changed because they weren't sure if they would collect on it. The check again was from Principal, who the representative said was very reliable, but the check was marked " unreliable '' and there is nothing she would do about it. How can the bank possibly give me a printed receipt with the two holds and then change the hold for the ENTIRE balance for an additional date without letting me know. This is very upsetting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the account referenced as XXXX XXXX thats is stating the account was opened on XX/XX/XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. Please see attached the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this company. As an XXXX XXXX serviceman whom was in delopyed international from XX/XX/XXXX to XX/XX/XXXX. Although I was in the united states on XX/XX/XXXX I was not in the state of Texas to open any loans. I have attached a letter from the United states military stating my identity was compromised. So I ask again how was this debut vaildated.When the SCRA ( All XXXX XXXX servicemembers are protected under the Servicemembers Civil Relief Act ) If your military service " materially affects '' your ability to make the payments on time the military service the seller can not repossess the item, take you to court, or make any bad credit reports on your contract without a court order. What court order did XXXX provide as proof of request to get payment for said account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax learned of a data breach that occurred from mid-XX/XX/XXXX to XX/XX/XXXX. The breach affected 143 million consumers, and the information disclosed through the breach includes names, Social Security numbers, birth dates, addresses, drivers license numbers, credit card numbers, and dispute documents. Using the official website for information about the breach, www.equifaxsecurity2017.com, I was told that I may be among the consumers impacted. Obviously, I did not consent to the sharing of this information. I have a shorter credit history, so any negative effects from this breach can severely impact my credit health. Considering the amount of sensitive information in this breach, I believe the one-year credit monitoring provided at the above website is an inadequate solution to prevent identity theft and credit fraud. In addition, the resolution requires me to waive my right to class action, which I believe is unfair, considering Equifax is completely at fault for the data breach of millions of consumers.