23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company Mariner finance suddenly appeared on my credit report a few years ago. Ive been reaching out to the repeatedly and disputing through the credit bureaus over the years. I have never had a loan with them. I asked for proof of the debt and they were refusing to budge on that as well! Ive tried many times to get it removed from my credit file.
Product: Debt collection

Back on XX/XX/2018, I sent Portfolio Recovery XXXX a letter stating that this is not my account when I look at my credit report it reports that I open the account in XX/XX/XXXX, that i not so. I currently have a credit card with XXXX XXXX paid up to date which I had for two years. I sent out a cease and desist letter the continued calls after the had received the letter. They now has put me in collections when I do not owe this company Portfolio Recovery XXXX I did not sign anything with this company I have an open an account with the company XXXX   XXXX, the have yet to prove to me that I own them nor how much they purchase this account for. I would like for the to remove me out of collections on three credit bureaus. I sent them a second letter on XX/XX/2018 and never received a response from the at all. Please help to remove them of all 3 credit bureaus. 

Thank you XXXX XXXX
Product: Credit card

I've consistently made sure payments on this account are timely, avoiding any overdue situations. I'm uncertain why there are reports of late payment comments on my accounts. According to XXXX5 USC 1666b - Billing Error, corrections should be made.
Product: Checking or savings account

Chime bank does want to give me my money back after fraudulent transactions. Charge from XXXX who I don't have charge of XXXX on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this on my own initiative ; no outside party is involved. HOW IS THAT POSSIBLE IF THE LAST REPORTED DATE, LAST ACTIVE DATE, AND OPEN DATE ARE NOT CORRECT? MY ACCESS WAS PROPERLY INVESTIGATED, THE CREDIT BUREAUS STATED. MY RIGHTS UNDER THIS JUSTIFICATION FOR REMOVAL WERE VIOLATED BY THEM, TOO. I HAVE A RIGHT TO PRIVACY under Section 602 A of 15 U.S.C. 1681. A consumer reporting agency is prohibited from providing an account without my express written consent, according to the law ( 15 U.S.C. 1681 Section 604 Section 2 ). PLEASE REFER TO THE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

Disputed inaccurate information reporting on my consumer file with the 3 credit reporting agencies on 3 separate occasions. I first reached out to XXXX.! and XXXX concerning all of the accounts included in the attachments below and still they are reporting inaccurate information on XX/XX/XXXX. The bureaus investigated and updated the accounts but they were still reporting inaccurately, I reached out concerning the same accounts on XX/XX/XXXX and again, the bureaus updated the accounts but they were still reporting the same inaccurate data. I gave them benefit of the doubt and disputed a third time hoping to get resolution. 
And again they verified and updated the inaccurate accounts.

I also informed the 3 bureaus that the furnishers of the information may be an unreliable source. Its impairing my ability to qualify for equal opportunity employment. 


Name of account Date opened Balance Creditors number Time financing services XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$510.00} XXXX XXXX  XXXX XXXX  XX/XX/XXXX {$430.00} XXXX This letter serves as formal notice to immediately cease and desist all communication and collection activities and all collection activities related to any alleged debt associated with account provided above. 

I am asserting my right under the Fair Debt Collection Practices Act ( FDCPA ) ,15 U.S.C section 1692 cc and requesting that you cease all communication with me regarding this matter except as allowed by law.

Case law has affirmed my right to request the cessation of debt collection communications.

In Daugherty v. Convergent Outsourcing , Inc., 836 F3d 507 ( 5th Cir. 2016 ), the court ruled the consumers request to cease contact must be honored to avoid further violation of the FDCPA.

Any communication beyond what is permitted constitutes a breach of my rights under federal law.

Philips v. Capital Collection Agency, 607 Supp. 556 ( W.D.N.Y. 1985 ) Court held reporting debt information to credit bureaus after receiving cease and desist letter violates FDCPA. ell that reporting debit information to credit bureaus after 99 receiving cease and desist letter violates FDCPA.

Rosenberg v. Laventhol & Horwath, 888 F. Support. 413 ( E.D.N.Y. 1995 ) : Court ruled that furnishing info to credit reporting agencies is considered communications under FDCPA.

Additionally, the case of Clark v. Capital Credit & Collection Services , Inc. 460 Fid 1162 ( other Cir. 2006 ), reinforces the consumers right to privacy and the obligation of debt collecto
rs to honor requests for cessation of contract. Ignoring this cease and desist demand will constitute harassment and a violation of the FDCPA. 

The debt is invalid, disputed or paid in full. Confirm compliance with chis cease and desist order in writing within 7 days. 

Failure to comply WILL result in legal action, including filing complaints with regulatory bodies and pursuing damages under the Fair Debt Collection Practices Act.
Product: Checking or savings account

On or about XX/XX/XXXX Wells Fargo bank required me to have a US address on my bank account # XXXX ( now closed ). I complied Adding my us address to the above account. 
On XX/XX/XXXX ( 6 days before XXXX ) Wells Fargo bank closed my accounts and mailed checks to my USA address. 
Wells Fargo stated it was because I had a foreign address. 
Wells Fargo also received my direct deposit amount XX/XX/XXXX and returned it twenty days later on XX/XX/XXXX. 
This has cost me to this date {$230.00} In banking fees as well as added stress before XXXX and all of XXXX so far. 
I request payment for the above amount. 
Does Wells Fargo bank not know people have vacation homes in other countries? 
There is a worldwide pandemic going on. Do they not know this? or do they not care? 
I'm not sure if it's my XXXX XXXX  affiliation or my XXXX family they are attacking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo bank customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I Noticed on my Transunion credit report today a bunch of inquires that should not be there! I contacted XXXX XXXX about it, but they said there is not much they can do. At this point I just need them removed since they are fraudulent. Attached is my FTC report detailing them all, but there listed below as well. 

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

( XX/XX/2020 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1681B ( 2 ) /3A ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. 

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a business loan & in doing so noticed fraudulent reports on my account In accordance with the fair credit reporting act these creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights under 15 usc 1681 sec 602 states I have the right to privacy. 15 usc section 604 a it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Upon checking my credit report, I discovered the information. I have no knowledge of entering any agreement with this company.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Current Address ( es ) : 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 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 card or prepaid card

XXXX has been non-compliant with removing the unverified account DISCOVER XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed credit card account with Navy Federal Credit union. The card did go into default, but several months ago the parties came to an agreement regarding repayment. The account has been paid on time in accordance with said agreement -- payments in the amount of XXXX per month for an agreed upon period of time. The bank continues to report this account in default and in collections when it otherwise should not be, and which is contrary to the terms of our agreement. Moreover, by not updating the amounts received and a reduction for the purported balance owed, the information being reported is inaccurate. 

Also, I have requested now on numerous occasions to be sent a copy of the agreement that was reached prior to the first {$150.00} that was paid. It has now been three payments later ( 3 months later ) and I have yet to receive a copy of our agreement. I have now made several calls attempting to address this issue with the bank and they refuse to provide the agreement. This information I am told is well documented in the notes on the account as a reference for your investigation. 

In addition, I have notified XXXX, along with the other major credit bureaus of this issue and they have not been able to resolve this problem. 

I am requesting that the company remove this account from collections and notify the three major credit bureaus of this change to the status of the account.
Product: Checking or savings account

I called pen fed credit union to let them know of some fraudulent activities on my account and they acknowledged all the transactions and refunded the money to me. Later on I received a letter stating that I need to write a statement in regards to what had happened with that merchant and I did. In return they sent me an email from the fraud department that they will need to hear from me before XX/XX/XXXX in order for the funds not to be reversed, since I am out of the country I called them on a XXXX  phone in order to ask why if I received ba letter that I need to make contact before XX/XX/XXXX and now you guys have reversed the funds and now caused my account to be in a negative status. Below is the letter I wrote to them to support my claim. 



To whom it may concern, I am writing this letter in regards to those charges that was fraudulent in my checking account and that I did not authorized this company XXXX. I tried a promotion they were having in regards to making a deposit of {$10.00} and they will match your deposit and also gives some additional funds. I was not aware that this company was going to store my card information on their website and when I realized all of the unauthorized charges I quickly call my banking institution to make them aware of the discrepancy and to let them I never allowed XXXX to charge my debit card. 
These charges were not made by me and I tried calling them and they keep on transferring me without any response and they also closed the account as soon as I reported the fraud. Thank you for your quick resolution This is the response they sent me. 

Hello XXXX XXXX, Thank you for your most recent information regarding the 12 {$25.00} sales to XXXX. I am sending you this email with the following information : If you do not recognize these charges, please contact our Fraud department no later than XX/XX/2019 or the matter will be considered closed. You may call XXXX or from overseas call collect XXXX and report the account as being compromised and state that these particular transactions as suspected Fraud. The above referenced account will be shut down and you will receive a new account number. Additionally, the Fraud representative will advise you that an affidavit will be sent to you within 7-10 business days that you must complete the affidavit and send it back to begin the fraud investigation. 

If you have any questions, please contact XXXX Sincerely, XXXX XXXX Credit Card Dispute Analyst XXXX ext XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PenFed.org I  have not had any issues with this credit union nor any disputes and they should not have handled my case this way.
Product: Checking or savings account

I was shocked to learn that it was sufficient for someone to know my name, addressand cell phone number to open a Chime bank account and have a debit card sent to my address. 
My employer in factreports a wave of fraudulent activity tied to Chime ( https : XXXX ). Unauthorized accounts have been opened using XXXX XXXX employees personal information and victims then receive unsolicited debit cards sent to their mailing address. 
I am writing to you now to assist me in requesting that the fraudulent account be closed ( XXXX XXXX, XXXX XXXX XXXX, XXXX CA XXXX ). I never requested a card from Chime and never did any business with Chime. But when I contact them, they send me an autoresponse. 
I need Chime to confirm in writing that the fraudulently opened account has been flagged as fraud, and closed down. Thank you very much in advance for your timely response, as I count on your office to assist with this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove or update payment history to " Pays as Agreed '' on the account CHILD SUPPORT XXXX XXXX for inaccuracy because I was never late according to equifax 's payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in the past to have the account reported under XXXX Department XXXX removed from my credit reports due to being inaccurate. I contacted XXXX Department XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX Department Store, but XXXX and Experian have not. The latest letter I sent to XXXX and Experian to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX nor Experian, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Product: Credit card or prepaid card

I want to request removal of this report on my credit : XX/XX/2022 I canceled the credit card with this company and they canceled the automatic debit that was enabled in my checking account, the payment did not occur due to this company error and I was harmed. I contacted the company, made the payment manually, opened a claim and they did not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never missed a payment with XXXX XXXX XXXX. In XX/XX/2019 I made a payment in full. This payment posted on my XXXX XXXX account as paid. A few days later I took out another loan. I had no more payments for XXXX XXXX. XXXX has reported me late for this account twice. They had an error with there payment transactions not me. I was called by a TransUnion Representative in XXXX she called XXXX XXXX we resubmitted a payment the account representation told her they would update the information for the 30 day late notice removing the 30 day late. The information that was updated is incorrect. My credit score dropped significantly over this late designation.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX - XXXX - XX/XX/year> - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Fifth Third Bank and XXXX  XXXX have violated my rights. 

Under 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 1666B ; a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TRANSUNION Regarding : INQUIRY REMOVALS Hello I was checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by theses companies : 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 I didnt authorize anyone employed by these companies to make any injury and view my credit report. also i didnt give you ( TRANSUNION ) permission to furnish this information to my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity but is a serious breach of my privacy rights. 
Please validate this information with these companies and please provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also demand you. ( TRANSUNION ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note by law you have XXXX  days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Best Regards, [ XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Mortgage

not sure, i had a mortgage about4 years ago, would like to know if i was affected
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract SIGNED CONTRACT with XXXX XXXX XXXX XXXX nor do I have a SIGNED CONTRACT. With the original creditor. I have XXXX knowledge of this debt owed; They DID NOT provide me with the ORIGINAL contract with my hand signature agreeing to this account listed as I requested a month ago. They are also reporting them as being the ORIGINAL CREDITOR which is false .This company stated in their response that the debt is no longer with the original creditor whom I have no clue of and that it is now with XXXX XXXX XXXX XXXX XXXX Therefore this debt is non existent and has been apparently written off with the IRS using form 1099. Also I I am requesting a purchase agreement for the amount this debt was sold to XXXX XXXX XXXX XXXX for. Thank You
Product: Credit reporting or other personal consumer reports

Unrecognizable/Unathourised inquires and account on my consumer report as identified in my Identity Theft Report number XXXX filed with the Federal agency Federal Trade Commission ( FTC ) on XXXX XXXX XXXXXXXX attached to this complaint. 
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

the following account are not mine, ( XXXX DSNB AND XXXX XXXX ) these are fraud accounts opened under my name, i have attached my police report due to this effect, i have also disputed these inaccuracies with XXXX  many times, but they are not helpful at all, please help me with this inaccuracies to be removed. please find attached the same paper work that i had sent to e XXXX   as well. 
thank you for your help and cooperation
Product: Debt collection

I received several calls from XXXX at Midland Credit Management ( XXXX ) over the Holiday weekend pertaining to collection of a debt for someone else. When they called me on XX/XX/23, I told them I was not who they are looking for ( verified address & name ) and asked them to stop calling. I asked them how they got my private phone number but they would not tell me. This information was obviously XXXX and incorrect.
Product: Mortgage

I was informed when I called the insurance agent that my homeowners policy had been canceled due to nonpayment. 
I had carried the same insurance since XXXX. My escrow is handled by the mortgage company. 
Not only do I not have my homeowners policy but no hazard insurance was placed during the lapse. 

My mortgage company in loancare acct # XXXX XXXX I am trying to get an insurance policy in place, the mortgage servicer refused to assist and did not inform me there is currently no coverage when I spoke to XXXX in the insurance dept last night. He stated it was all up to me. I placed a call to my former issuing agent XXXX XXXX XXXX Maine XXXX and they will get back to me. XXXX XXXX will not reinstate me due to cancelation for non payment ( by mortgage company. 
How can I protect myself?