23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/year> Jefferson Capital Systems , LLC Subject : Cease and Desist Unauthorized Use of [ Intellectual Property/Property ] Dear sir or Madam, I am writing to formally demand that Jefferson Capital Systems LLC immediately cease and desist any and all accounts. Via Jefferson Capital Systems LLC i have experienced harassment, illegal debt collection practices or other. It has come to my attention that you have been engaging in activities that infringe upon my rights, specifically related to my credit report. 

I have the exclusive right to control its use, distribution, and reproduction. Your actions are in violation of these rights, and if they continue, I will be forced to take legal action to protect my interests. 

Therefore, I demand that you immediately : Cease and desist from Jefferson Capital Systems LLC my Credit report / credit history. 
Remove any [ content/products ] associated with my [ credit report / history ] from your [ website, platform, etc. ]. 
Provide written confirmation within [ 7-14 days, ] that you have complied with this demand. 
Please be advised that failure to comply with this cease and desist request will leave me with no choice but to pursue further legal action, including seeking injunctive relief, damages, and any other remedies available under the law. 

I trust this matter will be resolved promptly and without the need for legal proceedings. However, if I do not receive a response or see an immediate change in behavior, I will proceed with further actions as necessary. 

This letter does not constitute a waiver of any rights or claims I may have, and I reserve all rights to take legal action should the need arise. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had been using Xoom to transfer money to the XXXX for friends ( or so I thought ) that had been impacted by the pandemic. On XX/XX/2021, they closed my account. The only thing I can speculate as a reason is that one of my recipients may have been fraudulent. Their termination notice said : " Sending transactions to a recipient who has violated the User Agreement can also affect your ability to use Xoom. '' As a consumer, I have no way of knowing this information in advance and due to a lack of transparency, there is no information to prevent this happening in the future. I have only sent small amounts to a variety of friends, typically in the range of $ XXXX {$200.00}. To the best of my knowledge these were all individuals and I had no suspicion of an criminal activity. 

I experienced this type of problem ( account closure ) with other remittance companies. In each case I had no indication of the real reason that the account was closed. If there are indeed " recipients who has violate the User Agreement '' then shouldn't Xoom ( at the very least ) provide a recipient verification service to let me check if a recipient is valid with Xoom. As a consumer, I don't have access to millions of transactional records to verify that a recipient may have violated their terms of service. 

It is indeed possible that I made some other error/violation of their agreement. Without transparency about the reason for closure, I am likely to repeat the inadvertent violation with another remittance company in the future. I am would like to use the service, but they stated that the closure is not eligible for any appeal process. Given that their is no appeal, I feel that there should be some transparency about the closure process. 

This closure occurred on XX/XX/2021. I had my account closed by XXXX  other remittance companies XXXX XXXX XXXX was XXXX of them ) and there was a similar lack of transparency about the reason for account closure. I have never sent large amounts that would cross into the realm of money laundering but that is the only other possible reason that I could speculate for account closure. I am retired and living on social security, so I don't have a source of funds that could be laundered.
Product: Mortgage

i bought my house XX/XX/2011 Originally when I sign up the loan with XXXX bank I have private mortgage insurance added to my loan and the agreement was i have to be five year paying on time and it will be remove. my loan was sold to XXXX and now its currently with planet lending now it being five year paying the pmi. i am asking them to remove my pmi and they are giving running around and they cant not remove it
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 on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the Electironic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans that have been rehabbed are being report twice on Equifax and XXXX. Exact same loans one showing current the other showing close derogatory. The is wih XXXX XXXX XXXX. So its 12 on each report. XXXX  will not let me dispute this at all because I dispute back in 2017 about the amount owed.

This problem is sinking me. I need help. Other than this my credit is in very good shape.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX ( XXXX ) Account # 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 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer. 15 U.S.C 1693 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse or harass at the called number. 15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt. -any state territory possession of the United States , the district of Columbia , the Commonwealth of Puerto Rico or any political subdivision of any of the foregoing. 15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt. 15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 15 U.S.C 1692 d ( 2 ) the use of obscene or profane language or language the natural consequences of which is to abuse the hearer or reader. 


Creditor updated account with XXXX as Collections. Creditor advised they would send request to credit bureaus to have item removed from credit report but flagged account as Collection.
Product: Money transfer, virtual currency, or money service

Held an extreme amount of reserve and absolutely will not communicate further. 
These are customer down-payments and I can not legally proceed without the money
Product: Debt collection

AWA collections has been reporting inaccurate information for the past two years to all three credit bureau 's. I've sent numerous certified letters over the past year requesting they send documentation regarding this account so that I can verify it's contents. They have ignored my requests yet continued to report inaccurate information which has resulted in a lower credit rating as well as a denial of a mortgage application. They also continue to harass my family members and co-worker 's regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I disputed several Items on my credit reports and sometime at the earlier part of XXXX, they all came back as verified accurate reporting. I'ts been several months since then and curiosity set in. I decided to look into my legal rights as a consumer and exercise them. In the month of XXXX I requested that XXXX, Equifax and XXXX  inform me of how they verified the information on my credit reports and request a re-investigation of the disputed items. They have failed to provide the necessary documentation within the proper time frame and have not removed the items in question. As of XX/XX/2019 I gave two of them a phone call before making this report, to see if the items were removed and both XXXX and Equifax stated they are still investigating my dispute. I explain to them i'ts past the 15 day time frame and under the FCRA rules and regulations this is illegal. They also claim the public record was verified accurate by the courts but I've obtained information in writing they don't give out information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, l'Il take legal action against you. FCRA Section 616 - Civil Liability for Willful Noncompliance : You accepted credit information about me without verifying its accuracy firsthand. This willful noncompliance is punishable by civil liability of up to {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 seven 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: Credit reporting, credit repair services, or other personal consumer reports

Dear LEXIS-NEXIS, I am writing to dispute the information being reported by your company regarding an alleged bankruptcy. You are in violation of the Fair Credit Reporting Act ( FCRA ) by selling, transferring, and reporting inaccurate information to the credit bureaus. As per the FCRA 15 USC 1681, a credit reporting agency can be sued for negligent or willful compliance with the law within two years after discovering harmful behavior, or within five years if the harmful behavior occurred. It also stipulates that only data furnishers are authorized to provide information to credit bureaus. Banks, credit unions, retail credit, car issuers, auto lenders, mortgage brokers, debt collectors, and other voluntary send information to credit bureaus. Furthermore, I have some questions regarding how your company obtained the information regarding my bankruptcy from the United States Bankruptcy Court. Did the court sell or transfer this information to your company, or did your company obtain it through some other means? Is the United States Bankruptcy Court a credit reporting agency, and do they have the authorization to provide information to credit bureaus? Therefore, I request the following information to support your Metro 2 compliance for consumer and commercial credit reporting : A copy of your written policies and procedures for Metro 2 compliance in consumer and commercial credit reporting. Information on how your company obtains and verifies the accuracy of consumer and commercial credit information, and how it ensures that information is reported in accordance with Metro 2 guidelines. Details on any training or education provided to your employees regarding Metro 2 compliance in consumer and commercial credit reporting. Information on the systems and technology used by your company to report consumer and commercial credit information in Metro 2 format. Details on whether your company has undergone any audits or assessments of its Metro 2 compliance practices, and if so, request copies of the reports or findings. I also request information showing a contract you signed to become a data furnisher, including the data furnisher agreement. Additionally, I would like to know how you were able to convert to Metro 2 format and become Metro 2 compliant. I dispute the information being reported by your company and request that it be removed from my consumer report immediately. If this information is not removed, I will be forced to take legal action. Attached information : XXXX XXXX, XXXX  XXXX bankruptcy Reference # XXXX, address XXXX XXXX XXXX XXXX, XXXX XXXX Co XXXX last four social XXXX, date of birth XXXX XXXX. Thank you for your attention to this matter. Sincerely,
Product: Mortgage

The Company locked me out of my house again for the second time after letting them know I was in the middle of moving and the house was not vacant! I still have my personal belongings in the house! I called the company several times and they have still not gotten back to me. What kind of monsters are these people? I am a XXXX, single, XXXX woman in Bankruptcy XXXX and I was working with XXXX to modify the mortgage. Rushmore hired a company to break in and change my locks. When I finally got into my home, I discovered the company they hired stole my personal belongs that I had packed in 20 boxes ' They have a sale schedule on the XXXX of XXXX. This is illegal ' I have sent them my authorization letter for them to speak with my attorney to get into my house and my attorney sent them an authorization letter and Demand. They are refusing to speak with my attorney and will not take his calls. They said they have to wait 24- 48hrs. This is my house and they have caused me emotional stress and harm mentally ' They also have advertised to sell all my possessions in the sale ' XXXX either sold, owns, or is the servicer of the mortgage to XXXX/ XXXX / Rushmore address. I send a Qualified Written Request letter to all companies to find out who the real lender is. I am also challenging all the security deeds as they said that I and my ex-husband XXXX XXXX executed them and that XXXX is out Attorney in Fact. The property description and the deeds are fraudulent.
Product: Credit reporting or other personal consumer reports

As stipulated in 15 USC 1681 section 602 ( a ) of the FCRA, it is mandated that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. I am particularly attentive to the principles outlined in 15 USC 6801, which underscores my prerogative to safeguard the privacy of my personal information.

Moreover, 15 USC 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the respective consumer. In light of this, it is crucial for consumer reporting agencies to uphold reasonable procedures to prevent violations and to restrict the furnishing of consumer reports to specific purposes, as outlined in section 1681b.

After a thorough examination of my credit report, it has come to my at
tention that certain accounts may not be in compliance with these regulations. Specifically, I am requesting the removal of the following accounts : XXXX XXXX XXXX - Balance : {$13000.00} XXXX XXXX XXXX- Balance : {$3300.00} In accordance with my rights afforded by 12 CFR 1016.7, I am exercising my right to opt out of certain information sharing practices. Additionally, pursuant to 15 U.S Code 6802, as a financial institution, I kindly request the provision of the original contract with the original signature and creditor information associated with the aforementioned accounts. 

Thank you for your prompt consideration of this request.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
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: Debt collection

They are saying they I owe them for something that I have not ordered and I personally have not worked a job in over 10 years because of my health condition and this is causing to much stress on me.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : ACIMA DIGITAL FKA SIMP Account number : XXXX
Product: Debt collection

Left voice mail saying I had suit against my social security number when I called number back did not identify who they were just I was being prosecuted for a debit on vehicle from XXXX which I settled in XXXX
Product: Debt collection

To whom it may concerns, I received a call from XXXX XXXX on XX/XX/XXXX and I agreed to pay my settlement which is {$3000.00} by the end of XX/XX/XXXXand they had it on record tape. But the they after which is XX/XX/XXXX they withdraw fund from my account and left a negative balance + overdrawn fee in my account. I called them and they admitted that it was their fault and agreed to pay the overdrawn fee for me. But I am really not happy with it since 6 days with XXXX balance in my account and I need to pay so many things before the end of this month. Can you please help to file a claim against this company. And if it's possible I would like to get my money back since they act was against their words and I didnt receive any mail or notice ahead of time. They basically just called and rushed me to pay for it. Please help. Thank You!
Product: Checking or savings account

Hello, I was a newbie investor and lost over XXXX with robinhood. You guys closed my account without any reason. I know my bank declined some deposits and I have fixed that issue and have been studying stocks over the past year so I dont make the same mistakes over and over again. 

Thank you!
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX XXXX - XXXX _____________________________________________________ PLEASE REMOVE ALL INQUIRIES : XXXX XXXX XXXX - Inquiry date XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX  XXXX Inquiry date XX/XX/2023 XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX  + Banks XXXX XXXX  Inquiry : XXXX XXXX, XXXX  + XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX  + Finance/Personal XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal XXXX XXXX  Inquiry : XXXX XXXX, XXXX  + Finance/Personal XXXX XXXX  Inquiry : XXXX XXXX, XXXX  + Automotive XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 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 in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Debt collection

Constant harassment by calling multiple times a day at all times of the day.