23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX XX/XX/year> Americollect INC XXXX XXXX XXXX XXXX, WI, XXXX Subject : Cease and Desist Request Dear Americollect INC I am writing to formally request that you cease and desist all communication and collection efforts regarding the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop contacting me in any manner, including by phone, email, mail, or any other method of communication. 

Details of the Alleged Debt ( if applicable ) Account Number : XXXX Debt Amount : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Please consider this letter as my formal request to cease all communications with me regarding this matter. While I understand that you may be attempting to collect on this debt, I do not believe I owe the amount claimed, or I dispute the validity of the debt, and as such, I am requesting that no further actions be taken without proper verification of the debt.

This request includes, but is not limited to, any collection calls, emails, letters, or in-person visits. Please note that if you continue contacting me or engaging in any further debt collection activities, I will consider pursuing legal action for harassment or violation of my rights under the FDCPA.

If you believe legal action or further collection efforts are necessary, please provide documentation verifying the debt, as required by law.

I request that you confirm receipt of this letter in writing and provide written verification that you will comply with my request.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Shellpoint Mortgage Servicing is repeatedly asking me to submit a master condo hazard insurance policy for my property. I have sent them this information everyone they asked before. But every few months they keep in sending me a notice. I submitted the insurance policy on their preferred online address as well.

They claim they are a debt collection agency ( my original mortgage held by XXXX XXXX  was sold/assigned to them ). 

Shellpoint are purposefully sending confusing notices with no other way to reach them except by fax. Or mailing address at : Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have made it harder to reach them Online via convoluted way of accessing g the website.

It is my feeling that they are finding reasons to create an issue with mortgage payers so that they can start a debt collection process. Since they are actually a debt collection agency, I am confused that why my mortgage was sold to them by XXXX XXXX. 

Kindly audit the process and reality of Shellpoint Mortgage Servicing which is actually a debt collection agency.
Product: Payday loan

I defaulted on a payment arrangement that I had made with CashNet USA in XXXX. I called maybe in late XXXX XXXX to make new payment arrangements. I was told that since I defaulted on the previous payment arrangement, I could not make a new payment arrangement, but that I could make payments on my own. I mailed in payments around XXXX XXXX, XXXX XXXX and XXXX XXXX of XXXX in the amount of {$50.00} each. On XXXX XXXX, XXXX, CashNet USA sent my account to collections. I would like to know why my account has been sent to collections if I was making payments. Also, in XXXX CashNet USA had made two withdrawals on the same day from my account without my permission and on a day that I had not authorized. I filed a claim with my bank to get the charges reversed.
Product: Vehicle loan or lease

XXXX was repossessed in XXXX of last year and I paid the full balance owed on XX/XX/XXXX and XXXX. The car at that time had been moved to the Indiana XXXX XXXX XXXX and I had no way of getting down there and my release ended after 30 days. I asked American Credit Acceptance for a new release and was told I owe for XXXX so they cant give me a new release until I pay for XXXX. I paid what I owed for XXXX and got a new release sent out and went to retrieve the car XX/XX/XXXX. The Indiana XXXX XXXX XXXX communicated with me after the release about my storage fees and informed me the fees were {$300.00} and only payable by money order and they would release the car to me. I could not get the car without paying the storage fees. I did not get the money order until I went down there and communicated with them in person and I ended up going 5 minutes up the street to XXXX to retrieve the money order I needed. I have attached screenshots with the date, time and location of me removing the money but I never received a receipt from the Indiana XXXX XXXX lot once I gave them the money order. I asked for an extension on XXXX and was late for XXXX payment ( to which it isnt an excuse but I ended up with the flu in XXXX and missed a lot of work ) I made a full payment of {$530.00} ( normal payment ) in XXXX which counted towards XXXX. Wednesday XX/XX/XXXX my car was repossessed and I was told I owe over {$1800.00}. My car note after 2 months is only a little over a {$1000.00} and even after late fees would not excess {$1300.00}. I contacted them XX/XX/XXXX after going through my recent payments from XXXX and went over every payment with XXXX the supervisor and informed her and showed her how I dont owe that much and {$1800.00} was never displayed on my account and any point in time. I also have screenshots of them changing my account the day I said something while I was on the phone with them. XXXX asked me to give her a minute and I was patient and waited, the call lasted an hour and a half of mostly me just waiting, while she had me on hold and was making calls. She finally got back to me and told me apparently XXXX XXXX  months behind because I owe the Indiana XXXX XXXX XXXX fees. Apparently my money order was not enough and they somehow sent my money back. I dont know how or where you can send a money order back. I contacted the auction lot and informed them of the situation to which the representative I spoke to was apparently confused but he said he would investigate and he would get back to me. So if my money was not enough or I just didnt pay thats a bigger problem because now I have missing money on top of being overcharged.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against TransUnion for Failure to Correct Inaccurate Late Payment Reporting. 
To Whom It May Concern : I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> ), my requests have been ignored. This lack of response constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account is a breach of this legal obligation. Furthermore, according to 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The persistent misreporting of late payments on my account has caused undue harm to my creditworthiness, a direct consequence of TILA 's protective intention.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act highlights the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. The inaccurate late payment reporting on this account violates this consumer protection, impacting my financial standing unjustly.

Payment History and Errors TransUnion inaccurately continues to list a 30-day late payment in XXXX, even though previous disputes have not led to correction. 
Lack of Resolution Since Previous Dispute I have submitted multiple disputes regarding these inaccuracies, yet there has been no corrective action taken by TransUnion. This persistent inaction has continued to harm my credit standing and is a violation of both my consumer rights and the relevant federal statutes. 
Desired Resolution Immediate Removal : I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report. 
Written Confirmation : Please provide written confirmation of this correction. 
If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate regulatory agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I agreed to settle in full my debt with XXXX XXXX XXXX being handled by Portfolio Recovery Associates for {$280.00}. I paid this debt to the address I was given by Portfolio Recovery and the original XXXX XXXX account number using XXXX online bill pay on XX/XX/XXXX. The payment was delivered by XXXX on XX/XX/XXXX. The creditor has either lost or mismanaged the payment but I have a proof of payment from XXXX to show that the settlement was paid by the agreed upon date.
Product: Credit reporting or other personal consumer reports

Enerbank has not been submitting my payment history to XXXX which is significantly impacting my credit score. Please advise them to report my payments for the months of XXXX and XXXX.
Product: Checking or savings account

In XX/XX/XXXX Citibank started offering {$300.00} to sign up for The Citibank Account Package ( checking account ) between XX/XX/XXXX XX/XX/XXXX. I signed up for the Citibank Account Package on XX/XX/XXXX online. In order the receive the bonus the offer terms stated that Within 45 days after account opening you must complete the following : ( 1 ) you must complete 1 qualifying direct deposit to your checking account OR make 1 or more qualifying purchase transactions with the Citibank Debit Card totaling {$250.00} or more, and ( 2 ) make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account or a new or existing Citibank Savings Plus Account, and ( 3 ) maintain a minimum balance of {$15000.00} for 30 consecutive calendar days following the date when you made your qualifying deposit. Immediately after opening the account, I mailed in a check to be deposited for {$15000.00}. It took Citibank a full 23 days to deposit my check and then an additional 7 days deliver my welcome documents to my house so that I could set up my direct deposit. At this point, Citibank rendered it impossible for me to set up a direct deposit in time to fulfill their 45-day requirement. So instead I made a {$250.00} debit card transaction on XX/XX/XXXX. After the 90 days waiting period Citi had still not deposited my {$300.00} checking bonus even though I had met all the requirements as outlined above. I contacted them several 2 separate times about this issue and each time the front-line customer service rep said that I met the qualification standards for the bonus. Upon further Citibank review, they said that I did not qualify for the bonus because they consider my debit card transaction as a transfer instead of a transaction because it was marked as a money send. Looking through all documentation on what Citibank considers a transfer proved to show that this didnt make any sense. Citibank lists XXXX as a transaction type and not as a transfer type. Furthermore, the promotion sheet used by Citibank only states that the purchase must be made using the debit card to buy goods and services, which I did. Because of Citibanks lackluster turnaround time on opening my account, I was forced to make a {$250.00} purchase I wouldnt have otherwise made and eventually on XX/XX/XXXXI did make that direct deposit, unfortunately, it was 5 days past Citibanks 45-day window.
Product: Credit reporting 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 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 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: Debt collection

I received a phone call from Navient in XX/XX/XXXX asking to speak with my brother. I explained I did not know how to contact him and asked that I not be called again. On XX/XX/XXXX, I received a second call, from XXXX. She left a message. I received a third call today, XX/XX/XXXX at XXXX. XXXX left me a voicemail. 
I called back and was informed by XXXX that because navient is a private company, the fair debt collection practices do not apply to them. She then told me that she was allowed to call me as much as she wanted to. And that no one has ever called me before. At the end of the conversation, XXXX did agree to remove my number from the file. 

According to the fair debt collection practices, a debt collector an agency my only called family member one time, Unless the family member request a call back. I did not request a call back and do not want to be called by navient.
Product: Mortgage

Well my mortgage was under XXXX lending services at the time my insurance was still active once they transferred my mortgage over to fay servicing they cancelled my insurance an was turn over to fay servicing I was never informed of the change of insurance an taxes.they just kept taking payment an increasing my mortgage payment I resently changed my insurance an now my monthly payment of my mortgage just increased ..
Product: Credit reporting or other personal consumer reports

Agreement Number : XXXX Per FCRA as a federally protected consumer I am now opting out any and all authorization, that I the consumer may have given you written, unwritten, verbal and non-verbal per 15USC 6802. 

Furthermore, review attached documents
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance withthe Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency canot furnish an account without my written instructions. 

Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Prepaid card

On XX/XX/year> wells fargo released {$1100.00} dollars of my XXXX to a state court order fee. I spoke with the agency that ordered the fee and they told me they asked wells fargo for the money and they haven't received it yet but if we're to be your XXXX money we can't take it. The gentleman i spoke to said we haven't received the money but if was withdrawn from your account then the bank is mailing the check towards us.with the inflation going on and gas prices I'm barely managing to make living with my funds. I really need help regaining my funds back.
Product: Debt collection

I have asked them to cease and desist from calling me or writing to me and I am still getting letters and phone calls
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX ; ph : XXXX. 
XXXX XXXX ; ph : XXXX. 
XXXX ; XXXX. 
XXXX XXXX ; XXXX. 
XXXX XXXX  ; address : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; ph : XXXX. 
XXXX XXXX XXXX  ; ph : XXXX. 
XXXX XXXX XXXX ; XXXX. 
XXXX XXXX ph:XXXX.

jpmcb XXXX XXXX ph:XXXX.
Product: Checking or savings account

I have a founder of anonymous activist XXXX XXXX XXXX. He hacked into my computer and stole all of my account information. He forged my signature and stole my cds from Bank of America. He stole an account agreement with Bank of America financial services. He forged my signatures and stole money out of my treasury accounts, XXXX and he stole stock shares from my name. He has been stealing federal acquisitions and acting as a federal agent. My account is under urn with the fiscal treasury services. He created spoof scam and has everyone believing that its his accounts. Urn is my initials. He is stealing an XXXX acquisition and a few other acquisitions. I am having trouble getting notified by XXXX as the XXXX bond owner and this person is trying to steal everything. I have witnesses who seen him forge my signature.
Product: Credit reporting or other personal consumer reports

I have changed my legal name from XXXX XXXX to XXXX XXXX. Its not reporting on my credit report and I havent used that old name in almost 3 years. Its emotionally draining to deal with these companies and Im at a loss for how to continue. My social security card, birth certificate and my drivers license and ID all have been updated. 

As a XXXX  person the credit reporting system has been a nightmare and I keep getting assured that my updated social security card would fix the name change issues. Ive filed all correct documents and I still havent seen my issues fixed.
Product: Credit reporting or other personal consumer reports

My Equifax credit report is reporting a closed account that is reporting as a charge off while still reporting continuous late payments, causing my Equifax report to be XXXX points lower than my XXXX score. This account has been closed for some time but still reporting late payments ( see attached ). This is illegal reporting and i want this account deleted : XXXX XXXXXXXX XXXX {$520.00}
Product: Credit reporting 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 XXXXXXXX XXXX account # XXXX Account name : XXXX XXXX account # XXXX 15 u.s.c 1681 SECTION 602 a. States i have a 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: Debt collection

On XXXX XXXX, XXXX, at XXXX a.m. ( MST ), I was contacted by the company CBE GROUP, a self-reported collection agency regarding a false debt. The company conveys that they are acting in behalf of " XXXX XXXX. '' However, upon contacting XXXX XXXX on XXXX XX/XX/2022, at XXXX p.m. ( MST ), I am informed that there exist no records of a debt in my name owed within any of the utility departments they operate. This information was reported back to CBE GROUP on XXXX XX/XX/2022, at XXXX p.m. ( MST ). Yet, they refuse to verify the accuracy of their claims of a legitimate debt owed with XXXX XXXX. 

In light of their refusal to perform due diligence to ensure the accuracy of such a debt or remove the wrongful information, I am contacting your office for assistance and protection from further financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company continues reporting a balance {$10000.00} greater than my loan. This has contributed to me being declined for credit accounts with other merchants. 
This was previously disputed with the credit bureaus and corrected in XX/XX/2020. I've attempted to dispute the error again but the credit bureaus will not reinvestigate since it was disputed and corrected already. 
My current balance upon viewing my mortgage summary from the providers web portal is {$270000.00} In addition to Fair Credit Reporting violation, the mortgage company will not respond to my inquiries in regards to exiting my forbearance plan.
Product: Student loan

On XXXX XXXX my bank submitted a check to Navient to pay student loans on my behalf. Navient failed to correctly process the check and it was not reflected on my account. I called Navient and had the representative submit a help ticket to find the check and deposit it in the account. On XXXX XXXX I called Navient to check on the status only to find the check was found and sent back to the bank on XXXX XXXX against the instruction to deposit the found check into the account. Now I need to wait for the cancelled check to be returned to the third party and need to pay Navient the interest on the loan that was not paid off because of Navient 's failure to properly process the check ( even though they were able to find it during the help ticket investigation ). Navient charges a {$15.00} fee on late payments on loans but fails to quickly and correctly apply funds with their self-designed check processing system. Navient also fails to notify customers who require help tickets when there has been a status change on the ticket. Finally, Navient continues to charge interest on loan amounts that would 've been paid off had their processing system operated correctly. I have had to speak with 4 separate call center representatives that have no power to help me and can only submit internal, untraceable, and unaccountable help tickets that are not seen by the customer. Navient has taken deliberate efforts to limit communication and speed of response with their customers for financial gain through interest on loans not processed correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already addressed XXXX 's incompetence and illegal reporting of a a student loan account that was discharged in my Bankruptcy in 2010 and had it removed once. Now it is back XXXX up my credit again reporting a balance and lates month after month and needs to be deleted ASAP!!! Attached is a screenshot of the illegal reporting and the page from my BK clearly showing it was included and discharged.