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

XXXX XXXX XXXX XXXX XXXX, MD XXXX : XXXX : XXXX Date : XX/XX/year> BMW Financial Services XXXX XXXX XXXX, OH XXXX Subject : Request for Validation of Debt and Cease-and-Desist Notification Dear BMW Financial Services, XXXX XXXX XXXX to formally request validation of the debt referenced in your recent communications and to demand that you cease all further communications and actions in this matter. 
1. Request for Debt Validation : Under the Fair Debt Collection Practices Act ( FDCPA ) and in accordance with the precedent set by Pacific Concrete FCU v. Kauanoe, 62 Haw 334, please be advised that merely sending statements is not considered sufficient evidence of the debt in question. I request that you provide a detailed validation of this debt, including but not limited to : The original loan agreement or contract. 
A detailed breakdown of the debt amount, including principal, interest, fees, and any other charges. 
Proof of the current owner of the debt, including any transfers or assignments. 
Documentation verifying that you have the legal right to collect this debt. 
Please provide this information within 30 days of the date of this letter. Failure to provide adequate validation will result in the cessation of any collection activity and removal of the debt from my credit reports. 
2. Cease-and-Desist Notification : Effective immediately, you are hereby instructed to cease and desist from any further communication with me regarding this matter. This includes, but is not limited to, phone calls, letters, and any form of communication. Furthermore, a consumer report is also considered a form of communication. Therefore, I request the immediate deletion of any and all references to this alleged debt from my credit reports.

3. Potential Costs and Legal Action : Please be advised that if you do not comply with this request, I will consider taking legal action to protect my rights. The costs of litigation and potential damages for harassment and abuse may include : Legal Fees : {$300.00} per hour ( estimated 10 hours ) = {$3000.00} Court Costs : {$500.00} Potential Damages : Varies, but could be substantial depending on the nature of the violation. 
This results in an estimated potential cost of {$3500.00}, not including any additional damages or fees awarded by the court. 
I trust you will handle this matter with the seriousness it deserves. I expect to receive confirmation of your compliance within 15 days of the date of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX ( Account # XXXX ), XXXX XXXX Account # XXXX ), XXXX XXXX  ( Account # XXXX ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ), XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXX  XXXX Account # XXXX ), XXXX XXXX XXXX  XXXX Account # XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ) has violated my rights.

15 U.S.C 1681 Section 604 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MS XXXX Re : Cease and Desist Notice for Violation of Consumer Rights Under the FDCPA To Whom It May Concern : This letter serves as a formal cease and desist notice regarding Security Credit Services violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Your actions have caused undue harm and distress, and I am demanding immediate cessation of all improper debt collection activities directed at me.

Violations of the FDCPA Your organization has engaged in actions that constitute a direct violation of my consumer rights under the FDCPA, including but not limited to the following : Harassment ( 15 U.S.C. 1692d ) : You or your agents have engaged in conduct intended to harass, oppress, or abuse me in connection with the alleged debt. This includes [ describe specific instances, e.g., excessive phone calls, threats, or intimidation tactics ].

False or Misleading Representations ( 15 U.S.C. 1692e ) : You have made false or misleading statements regarding the nature, amount, or legal status of the alleged debt. For example, [ describe specific instance, e.g., providing incorrect balances or threatening legal action that was not permissible ].

Unfair Practices ( 15 U.S.C. 1692f ) : Your company has employed unfair or unconscionable means to collect the alleged debt, including [ describe specific instance, e.g., attempting to collect fees not authorized by the agreement or law ].

Failure to Validate the Debt ( 15 U.S.C. 1692g ) : You have failed to provide adequate validation of the alleged debt after I requested verification, as required under the FDCPA.

Demand for Immediate Action Pursuant to 15 U.S.C. 1692c ( c ), I am hereby instructing Security Credit Services to cease and desist all communication with me regarding the alleged debt. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact including reporting misleading information to all the credit bureaus.

Additionally, I demand : A full investigation into your companys practices regarding the alleged debt.

Immediate cessation of any reporting of this debt to credit bureaus until proper validation has been provided.

Removal of any inaccurate or misleading information already reported regarding this alleged debt.

Legal Notice Be advised that failure to comply with this cease and desist notice will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I reserve the right to pursue legal remedies to protect my rights, including seeking damages for harm caused by your violations of the FDCPA.

Please confirm in writing that your company will comply with this notice and cease all collection activities immediately. Failure to adhere to this request may result in further escalation.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXXXXXX XXXX .... Balance : {$2400.00} ; XXXXXXXX XXXX XXXX  XXXX .... Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$510.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$570.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$520.00} ; XXXX XXXX Balance {$0.00} ; XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance {$71.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX request XX/XX/XXXX ; XXXXXXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX  Date of request XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my refiling complaint for EXPERIAN. I believe that inaccurate information about me is being reported. In my credit report from XX/XX/2024, I still see these erroneous information that I didn't know about. I discovered account with incorrect information, such as payment history, status, balances, and the date of the last activity, as well as late payments that had never occurred. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection, and a customer revealing organization can't outfit a record without my instructions. I have attached the FTC report number XXXX to support this complaint.
Product: Checking or savings account

On several separate occasions in the past several months I have tried to set up XXXX  with my account. As I meet all the requirements for it. And several employees have told me I should be able to and have even gone over the steps for me to set it up.with me. So today again I tried and I did the chat with the bank and she told me I qualify. I told her I talked to XXXX and they don't have any reason why I can't attach it to my account. So after talking with her she said there is no reason why I can't connect to it but I was still unable then she gets back on and says I am not eligible at this time I said I want to know why she said she doesn't know so I emailed then and asked why and they sent me something back about loans which has nothing to do with this. I have even gotten as far as having been sent a verification code which is suppose to mean I have been connected and can start using the service. But immediately there after I got a notice saying for my protection it is unavailable try later. I believe I am being discriminated against by them because there is nothing that keeps me from being able to hook it up. And I am XXXX and they turned my heat off today because I need a part for my heater and my friend can't send me money to get it so I figure I will be down sick because of this discrimination..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern : The items below were previously deleted from my credit file, yet they have been reinserted without proper notification as required by 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). I did not receive any notification of these reinsertions.

Please delete these items immediately or I will be forced to take legal action. The items in question are : XXXX XXXX Account Number : XXXX Date of Deletion : XX/XX/XXXX CFPB Complaint Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Dates of Deletion and CFPB Complaint Numbers : XX/XX/XXXX, CFPB Complaint Number XXXX XX/XX/XXXX, CFPB Complaint Numbers XXXX and XXXX XX/XX/XXXX, CFPB Complaint Number XXXX XX/XX/XXXX, CFPB Complaint Number XXXX These CFPB complaint numbers correspond to XXXX XXXX  responses confirming the deletion of these items from my credit file. 

Please send your written response to my address at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that still reporting on my account : DEPT OF ED Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the loan and credit bureaus continue to show a past due amount. I've filed a dispute with the credit bureau ( Equifax ) disputing the incorrect account information. Equifax closed my dispute within 3 days without verifying with creditor. I've submitted a second dispute providing Equifax with a recent letter from the creditor showing the account has a XXXX XXXX. Equifax still refuses to correct the erroneous data on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX  XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX Credit Bureaus and the XXXX  XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % accuracy. 
XXXX  XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}.
Product: Credit reporting

I received a letter from XXXX XXXX ( reference # XXXX ) indicating I was denied for an XXXX that I did not apply for ( denial letter attached ). This inquiry is on my credit file as well. Please investigate the authorization of this inquiry and forward findings to my attention at my mailing address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 
Not only is my concern that I did not authorize this inquiry but that that this inquiry used my employer 's mailing address. 
Your prompt attention is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$730.00} ; XXXX XXXX XXXX XXXX {$9000.00} ; XXXX, XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX XXXX {$9000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Info Account Name : XXXX XXXX XXXX XXXX  Account Number XXXX Account Type : Auto Loan Responsibility Individual Date Opened : XX/XX/XXXX Status : Paid, Closed. {$310.00} written off. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance : {$17000.00} Highest Balance - Terms : 73 Months Payment History Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX Repossession as of XXXX XXXX 90 days past due as of Aug 2021 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XX/XX/XXXX Contact Info Address XXXX XXXX XXXX, XXXX, TX XXXX Phone Number : ( XXXX ) XXXX Comment Current : Account previously in disputeinvestigation complete, reported by data furnisher Previous : None Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX. 
XXXX XXXX Current/ Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days Specific details of the repossession in question : [ List specifics, such as the date it was reported, the creditor 's name, account number, and any other relevant details. ] 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 2. What certified documents were reviewed to conclude your investigation? 3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 4. What did it cost your company to obtain the documents needed to complete your investigation? 5. Please provide proof of your timely procurement of certified documents. 6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 7. If yes to above : a. Who did you speak to? b. On what date? c. How long was the conversation? d. What was their position? e. What telephone number did you call? 
sincerely XXXX XXXX
Product: Debt collection

XXXX XXXX  XXXX. out of XXXX, Ma are attempting to collect on an account that I defaulted on with American Express. They have sent me numerous legal documents and filed judgements against me but as many times as I have called their office and tried to speak to an attorney, they are never available. I am only able to speak with collection agents and Managers. These agents and Managers are extremely pushy and insist on getting me to pay amounts I simply can not afford. I have a number of debts that I am trying to resolve and they keep threatening Garnishment and will only make 3 month payment arrangements so they can try to push me to higher and higher amounts. Even then, theyare clear to let me know that they will not remove the threat of garnishment unless I pay in full. They refuse to make an affordable payment agreement with me. I am going to send them what I can but am in great fear that they will garnish my wages even though I am paying them regularly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against three credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. Not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 



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

Today is XX/XX/2020 i made a transaction today off of my Square Inc. Cash App card and it went through like normal. Then i tried to cash  out some money and it told me that it was declined for some reason. So i went to an ATM and it told me insufficient funds. Which i know is not true because my cash app balance still shows that i have {$130.00} available.
Product: Money transfer, virtual currency, or money service

I was the victim of identity theft. I reported it to the police. My PayPal account was used to send cash advances, using the linked PayPal credit account I have. I paid off a full balance of over {$10000.00} in XXXX of 2020. These were charges made by me. 

In XX/XX/2020, approximately {$8000.00} dollars was transferred to a person I can not confirm as a cash advance. I did not report this issue right away, because I was dealing with additional issues relating to the Identity Theft. I believe someone was using a compromised bank account with XXXX, which has been since closed. 

I can not verify where this money was sent, how it was withdrawn, if I know the person involved, as paypal does not give me access to this information. 

I had numerous accounts opened with compromised personal and XXXX  information. 

I can not verify if any of the transfer were mine. 

I have continued to pay the minimum payments on a account I paid off in full. 

PayPal does not seem to want to help, and I was told I can not speak to their back office to further inquire about the citation. 

I am now paying a back a large sum of money, that I can not verify i am responsible for. In addition I can not make a legitimate purchase of my own. 

I was physically unable to make transactions during this time, as I was in the Hospital, which is why I am questioning this situation and my liability.
Product: Credit reporting or other personal consumer reports

This item was paid and removed years ago. XXXX XX/XX/year>, is over 9 years.
Product: Checking or savings account

XX/XX/22 XXXX Cash app let someone get into my account and take my money then cash app closed my account and them person took money out my bank account too