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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS : XXXX XX/XX/year> First Federal Credit Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX To Whom It May Concern, I am writing to formally instruct you to cease all communication with me immediately regarding the above-referenced account, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Under the FDCPA, the term communication is defined as " the conveying of information regarding a debt directly or indirectly to any person through any medium. '' I would like to make it abundantly clear that I expect no further communication from you or anyone affiliated with your agency pertaining to the aforementioned account. This includes, but is not limited to, phone calls, letters, emails, or any form of indirect communication with any third parties, such as friends, relatives, or employers. This also includes reporting this debt on my credit report. 
Furthermore, I hereby request that you immediately delete any derogatory information related to this account from my credit report. Failure to comply with this request will result in me seeking compensation. For every instance of communication or violation of my rights under the FDCPA, I will assert my right to seek statutory damages of {$1000.00} per occurrence. 
Retain a copy of this letter for your records. Failure to adhere to this cease and desist request will serve as evidence should I decide to take further legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX SS : XXXX
Product: Credit card or prepaid card

REF : XXXX LETTER OF SUPPORT To whom it may concern, On the night of XX/XX/2019 Ive managed to order the batch of items on XXXX for the full amount of {$55000.00}. All of them have been delivered to my business storage located at XXXX XXXX XXXX XXXX  XXXX NY XXXX during the period of XX/XX/2019-XX/XX/2019. 

However, every piece of item been either partially damaged due to mishandling, or not looked at its been described online. Due to that fact, Ive requested to return these following XXXX 30 Days Return Policy. As been requested Ive managed to pack and shipped items back to different XXXX Facilities located in KY. 

All the shipping labels contained reference number for the returned items and could be find attached. 

Nevertheless, even though all items have been successfully returned to the XXXX, only partial refund on {$410.00} combined have been issued from 2 separate charges to my AmEx Delta Account ending in XXXX : {$540.00} and XXXX. 

Since all the packages successfully have been returned to XXXX within the companys policy, Im asking AmEx to adjust the charge and refund back to my account the amount of {$120.00} the difference which hasnt been issued yet. 


For your convenience, please consider attached : # 1 : Order Details from XXXX # 2 : Copies of the shipping labels # XXXX : Copies of the XXXX tracking information with a proof of delivery Kind regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was alerted that a collection for Jefferson Capital was on my report. I went and filed a dispute requesting validation of the debt and requested the original contract and details about this account along with payment history on XX/XX/XXXX. On XX/XX/XXXX I was notified the debt was validated but Ive received no response from Jefferson Capital. 

I submitted a complaint on their website and never received a follow up call or email. 

I contacted XXXX and they dont have anything in their system for me.
Product: Credit reporting or other personal consumer reports

I am writing this with the utmost urgency to draw your attention to a matter of the presence of fraudulent accounts, personal information and unauthorized inquiries associated with my identity. Upon a thorough review, I have noticed that certain accounts and transactions have been inaccurately attributed to me, without my consent. This has left me profoundly distressed and deeply concerned. I am a victim of XXXX XXXX XXXX.
Product: Debt collection

According to 15 USC 1682 ( C ) you have violated my rights by unlawful communication please remove this collection off my credit reports. This account is involved in litigation. I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens 281 SW 715, 719 May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Technical Murder of the Living Man to create a 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
Product: Debt collection

I have a debt collection reporting to my credit bureaus that is not mine. The account was opened without my consent as the result of an identity theft. I have made attempts to address this matter directly with debtor but was unsuccessful. The card was charged up under my personal information and now has left a permanent blemish on my reports.
Product: Mortgage

I began talking to XXXX XXXX on XX/XX/XXXX at Mr. Cooper Mortgage Company ( NMLS # XXXX XXXX about refinancing my home to get a much better rate and go back to 30 years to reduce my mortgage payment. A loan application was started and I emailed requested documents, signed online forms, and paid for an appraisal immediately. XXXX told me it could take up to 60 days. I own a small disadvantaged XXXXXXXXXXXX XXXX XXXX XXXX  and I got the impression they didn't like that I am XXXX XXXX. It didn't matter that I've survived over 20 years when most small business have gone under. It didn't matter that I currently have over a XXXX dollars in purchase orders for work over the next 2 years. I asked for a status of my loan application on XX/XX/XXXX and didn't get a response until XX/XX/XXXX after I asked again. All I got was an email stating " Unfortunately we were unable to get an underwriting approval. The appraisal was already refunded. '' Never received a letter. Mr. Cooper mortgage has unfairly refused to lower my interest rate and wasted my time taking away ability to get a better rate. I owe less than a third on my house and no real reason for rejecting my loan application was given. I feel like this is another attack against a small disadvantaged XXXX XXXX. The rates won't be as low as when my application was in process so Mr. Cooper Mortgage has cost me thousands of dollars due to their discrimination against small disadvantaged businesses.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/ReportedXXXX XXXX XXXX Balance Owed : {$0.00} XXXX, XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/ReportedXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

World finance I have not done any business with this company since around 2007. I have disputed this account on my credit reports and it's deleted, but then shows back up again as a collections account. This is a fraudulent account.
Product: Credit card or prepaid card

A payment was posted to my account XX/XX/2022 in the amount of {$7000.00}. I do not know where the payment came from because payment was not made by me. I contacted customer service few times but they were unable to help me as they could not understand what I was talking about.. I don't want to get in trouble so I asked them several times to return the payment to whoever made the payment.
Product: Debt collection

I buy houses/ own in California, rent / rent rooms to several independently people. I reside in Las Vegas and I became aware of a Notice of Data Breach. I followed up to check my credit and found several credit cards in my name and at one point being paid, late, and now in collections. I disputed the claims and requested the credit agencies in Accordance to the FDCPA pursuant to 15 USC 1692g for proof of debt from credit cards. The company only provided me with late last 6 months of Credit Statements ( I dont recognize ) and nothing more. I requested to provide the Original Contract with date, address, interest, and bearing my signature. They have failed to provide the Original Credit Card CXXXX.
Product: Checking or savings account

About 6 months ago I got a stipend check from my college for around XXXX dollars. As a new Citizenz bank client they said I had to wait 5 to 6 days. Now on Saturday I did something similar and I was told that since I am no longer a new client it would only take two days to clear. I was told this by two separate res at two separate time, one being yesterday. The company seems to be holding checks longer in order to inflate the amount they can lend at interest. Please look into any criminal actions found herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple certified letters about a bankruptcy that they are reporting inaccurate information on my report I have ask for them to send me a method of verification to show proof they continue to state that XXXX XXXX is verifying the information which is a violation because they have to get it verified thru the original handler which would be the us bankruptcy court. so they are already in violation and refuse to send me a real validation and that is my right.
Product: Credit card or prepaid card

I recently filed a complaint against synchrony with you. The letter I received back stated the payment for XXXX will be back to XXXX and it was not. I was charged XXXX again. Im so frustrated. Please help get this corrected Thank you
Product: Credit reporting or other personal consumer reports

My personal information was breach due to the data breach with equifax and experian. I receive notications often that my social and email address is on the dark web.
Product: Checking or savings account

On the XX/XX/2021 I made a transfer of {$25000.00} from my XXXX checkings to my Citibank checkings account ( the money was meant for an urgent Medical and business project purpose ) the money was made available in my Citibank XX/XX/2021 as I tried to access the money I was locked out of my online banking I called Citibank and they told me my account has been closed for no specific reason and also told me I would be sent a letter and a check of my balance with XXXX days this occurred around XX/XX/2021 and until now I have received nothing, I kept calling and they keep telling me there is nothing they can do .I strongly believe that I did nothing to deserve this treatment from Citibank I have XXXX a whole lot in my business and my health is also on the line .I feel intimidated and I need help seriously this issue is seriously affecting my life and Citibank are responsible for this .please help me!!
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. 

Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX XXXX  Account numberXXXX Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXXXXXX XXXX Account number : XXXXXXXX XXXX  Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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

I have sent several certified letters to XXXX, XXXX and trans union multiple times asking them to verify this chapter XXXX bankruptcy information in my credit report. Each time they send me a letter stating that the BK is valid as per third party source. I then sent a letter asking as to whom they received the information, again I get a letter back stating a third party source. I then contact the court system, they tell me that they do NOt. Report anything to the CRA and nobody called them to verify any information! I want this acct removed from my reports immediately as they did not follow the fcra!
Product: Student loan

I am trying to apply to remove my cosigner from my XXXX of my private loans. I was told on the phone with a representative that I could apply because the I have paid XXXX consecutive months on the loan. 
In the mail I got a letter saying that I was not eligible for the cosigner removal application. I called by bank and asked what was happening. after being put on the phone with an account manager I was told that I could not apply because I had a late payment on my record from XXXX years ago. The account manager told me to write a letter and fax it to the bank asking for the record to be removed because I was never late again for the past XXXX years. 

I wrote a letter and explained that the payment that was late was my first payment ever, that I was fresh out of collage and young and made a mistake. the wrote me back and refused to removed the late payment record. They admitted that I paid on for all my other bills and that the late payment did n't even have a late fee because it was n't over XXXX days late, But still they wont remove it. 

They said " Unfortunately, we are unable to remove that history. Remember, making your student loan payments on time may help you build and maintain a good credit history. " I was informed on the phone that I can never remove my cosigner because of that late payment. My cosigner is my Mother. both of my parents went through a bankruptcy and i would like to have them taken off my loans.
Product: Mortgage

Annual account disclosure statement dated XX/XX/year>. It provided account history and changed ( increased ) the escrow payment amount effective XX/XX/year>. 

Another Annual account disclosure statement dated XX/XX/year>, indicated a surplus and provide a check for the excess. No explanation. No information to customer. 

XX/XX/year> I sent them letter asking to understand. Asked " It seems you have decided not to pay my property taxes later in the year. Please explain why you are not going to pay the property taxes? '' XX/XX/year> I received notice from County my taxes were not paid. Demanded payment and charged a late fee. DUE TO Shellpoint Mortgage aka New Rez Llc failure to communicate with their customer, I INCURRED A LATE FEE! 

XX/XX/year> I received a notice from mortgage holder demanding I provide proof the property taxes were paid. 

XX/XX/year> The Mortgage holder has failed to respond to my letter asking for information and failed to communicate why they are not paying the property taxes through the escrow as they have for over XXXX years.
Product: Mortgage

Village Capital stopped taking late payments, and said we had to pay for the missed months altogether. I got a {$9000.00} personal loan to pay them off, but they have not called us back for going on a month now so that we can make the payment. We call multiple times a week, and sometimes multiple times per day, and get put on hold for hours at a time, and then get disconnected. We also have selected the call back option, and they have never called us back. I sent an email last week, and they have not gotten back to me that way either. They are literally forcing us to not make payments, and therefore forcing us into foreclosure. We are not able to make payments online, or directly to them, and we are afraid. My XXXX has increased because of it. I don't want to lose my home. I have XXXX kids, and a XXXX, XXXX  mother. Now, because they have failed to call us back, they are going to require XXXX 's payment in full too, but we won't have that until next week, and they will refuse to take payment even if we are trying to make payment before it's even considered late.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX and Trans Union 3x in regards to errors on my report. I owe less on my car loan than what is reported. Lately I made larger payments than usual on my car loan and my student loan, then all of a sudden my credit score went DOWN XXXX!!! WHY????? There's absolutely no reason for my score to go down when all my payments to both my loans and my bills have all been on time and on good terms. In fact, my student loan is almost done and my car loan is less than half way done. I contacted both companies and neither were any help. Now all of a sudden, Trans Union does not do help online. If I call, I will be cussing them out and getting extremely nasty. I work my XXXX off to pay off all my XXXX and be responsible with my credit and these XXXX XXXX are ruining me!
Product: Credit card

On XX/XX/2020, I used Citi Credit card to purchase XXXX XXXX laptops for a total of {$3600.00}, {$450.00} for each. 

On XX/XX/2020, Tracked shipping and XXXX tracking showed orders been delivered. However, I did not receive the products. I have filed the Police Report and informed the merchandise of the missing goods. And I disputed all the XXXX transactions with Citi. I called Citi multiple times, but they did not help to dispute the transactions. I provided the Receipt, the policy report to Citi, but Citi did not do the investigation and Citi still charged me the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a complaint on XX/XX/2018 with consumerfinance.gov to wells fargo and they said they would remove this off my report 30-60 days and its been over 90 and they have not followed through with what they said they would do. I never had a contract or gave these people consent to anything with my information. I need these hard inquiries removed ASAP from my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance Owed : {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please Delete. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Hello, Why my referral is ineligible? 
We checked all your Terms and Condition! We met them all, both account met all conditions! 
Please credit me and the person I refereed to each {$10.00} investigate and escalate the matter! 
We need to get what we were promised and offered! 
thanks
Product: Credit reporting or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXX. I looked at my Trans Union credit report on XX/XX/XXXX XXXX and noticed some things are incomplete and not accurate. And according to the Fair credit act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

I have sent in several disputes, FTC 's letters. I have called many times to resolve these issues with the creditor and credit bureaus. I have been told that the supporting documents that I have sent in have been thrown out serval times. There have been re-investigations multiple times with no resolutions it has been well over 45 days I have also ask for verification of how they have validated these accounts and I have gotten no proof and no responses on how the credit reporting agencies have validated these fraudulent and inaccurate accounts at this point I have contacted my attorney XXXX XXXX as he will be representing me on my behalf due to the failure of the deletion and removal of these fraudulent and inaccurate accounts from my credit report as well as the credit reporting agencies absolutely disregarding the FCRA LAW AND CFPB LAW.