23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX XX/XX/2024 PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Cease and Desist of Unlawful and Harassing Communication Dear Sir/Madam, I am writing to formally demand that PORTFOLIO RECOVERY immediately cease and desist all forms of communication regarding any alleged debt that I do not acknowledge as valid. 

Despite previous efforts to resolve this matter, your company has continued to contact me in an unwarranted and harassing manner. These actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, et seq. 

Effective immediately, I demand that all further communication from PORTFOLIO RECOVERY or its agents to mewhether by phone, email, or mailbe treated as harassment and reported to the relevant legal authorities. I reserve the right to pursue legal action if this request is ignored. 

This letter serves as formal notice of my demand. I expect written confirmation within 10 days that PORTFOLIO RECOVERY has received and processed my Cease and Desist request, and that no further contact will be made unless through legal representatives. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX Email : XXXX XXXX
Product: Mortgage

I have been paying my mortgage payments to    XXXX   XXXX   XXXX   XXXX    on time for many years. My account was clean with them. Now we have new loan handler " Home Point Financial '',  XXXX   XXXX   XXXX ,  XXXX , NJ  XXXX  ''. Their new statement says that I owe {$61.00}  (  Overdue amount ). I asked them to clarify the statement. They have send me the e-mail saying that I owe them from   XXXX   XXXX   and   XXXX   XXXX     I paid {$2300.00} on  XX/XX/XXXX  but due to some reason they have no record of receiving the    XXXX   XXXX    payment. I talked the agent and paid  XXXX  ( wire transfer ) and got the confirmation #  XXXX  that my account is clear. I paid on  XXXX  and  XXXX  and  XXXX  on time.   THE PROBLEM : The new company is not cooperating in correcting the problem. I need help.
Product: Credit card or prepaid card

Was never advised or received notice Fifth Third Bank Master Card was  cancelled/closed. There was NO balance on this card as I pay my bills monthly. After attempting to use card it was rejected. Went to research online but account no longer exists. Credit monitoring alerted me that bank had closed card with no reason given or any ( phone, Email, written correspondence ) notification given. It was summarily and arbitrarily cancelled. No files available to upload as I have never received ANY communication from Fifth Third Bank whatsoever.
Product: Credit reporting or other personal consumer reports

This is my second attempt to investigate this account with XXXX XXXX XXXX XXXX I do not have a account with this company and this company do not have my permission to insert this account on my credit file I asked for the original contract never did I receive on then. EXPERIAN said they did verify this account with XXXX XXXX XXXX XXXX XXXXXXXXbecause I have proof from this company that I don't have a account so my question is why is it on my credit file. PLEASE hold this company accountable.I submitted proof of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported to the three major credit credit bureaus that my auto lease was a charge off. During my installment auto lease, I never paid late. All payments was made via my XXXX XXXX online account. Paperless. After my lease ending I checked my balance online several times. My online balance showed a zero ( 0 ) amount. 
Several months later I received a call from XXXX XXXX collections stating I had an outstanding balance of {$1100.00}. I explained to the representative that I was not going to make a payment when # 1. My online account balance showed a zero owed amount and # 2. I had no clue what the {$1100.00} was for? The representative said they would send me the information in the mail. I never received ANY correspondence from XXXX XXXX via the mail, during or after my lease. Remember, I have a paperless bill account. A few months later I tried to apply for a new credit card and I was denied. 
So I pulled my credit report and to my surprise, I have a negative mark on my report for this lease. When I contacted XXXX XXXX, they explained that the {$1100.00} was for my lease disposition fee and excessive wear on my tires. I explained that I had an insurance policy purchased at the time of my lease to cover any excessive wear. When the representative looked up my account they confirmed that I indeed had a policy. They said the XXXX XXXX had made an error and only billed the Insurance company {$85.00} and they would take care of it. At this time I still had an issue with regards to the disposition fee. I explained I never received any notification of a balance for the disposition fee. As it turns out I am correct. XXXX XXXX sent the bill to a old address which I had to lived in over two years. When I asked why the fee did not show on my online account balance, they said they only mail these bills. Remember, I have a paperless payment account!!! So I paid the disposition fee. 
Now, today XX/XX/21, My credit report still shows an outstanding balance of {$500.00}, late payments and a charge off. Equifax refuses to remove this negative mark from my credit report. So I have an issue with Equifax and XXXX XXXX Equifax case # XXXX XXXX XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 U.S. Code 1681 602 ( a ) ( 4 ) states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 U.S.Code 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Credit Collection Service ), is a financial institution by definition under that title. 15 U.S.Code 1681 604 ( a ) ( 2 ) states, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Credit Collection Service ), the financial institution, and the Consumer reporting agencies XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, or Credit Collection Service, whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 U.S.Code 6802 ( b ) ( c ) states, that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Credit Collection Service, Never informed me of my right to exercise my nondisclosure option. Not only that 15 U.S.Code 1681c 605 ( a ) ( 5 ) states '' Except as authorized under subsection ( b ) of this section, 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. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) states, " 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. 15 U.S. Code 1681e states, '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Debt collection

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 
LVNV Funding LLC has been listed on my credit report as a collection in the amount of {$2600.00}. LVNV FUNDING LLC is reporting a collection account that does not belong to me. Nor do I have a binding contract with LVNV FUNDING LLC to pay this " debt. '' There was no investigation by the credit reporting agencies to confirm this account. LVNV Funding LLC has not furnished any documents proving this account belongs to me. 
Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if LVNV FUNDING LLC is unable to provide me a copy of verifiable proof, they must delete the account listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX underneath the agency XXXX. XXXX is reporting a collection account to my credit that does not belong to me. The account belongs to someone named XXXX XXXX who I have no relation to, this was placed on my credit due to error. It is also only reporting to Experian.
Product: Vehicle loan or lease

Problem with vehicle purchased at 3rd party dealer.

Vehicle has statewide issue recall on the engin company only notified 1st owners ( Im a 3rd owner ) found out about the problem at a scheuduled tune up took to a dealer to have the problem properly diagnosed called the company corporate office and was told recall is expired and my vehicle was over the miliage and they can do nothing for the car Remedy for the problem is to replace the engin for XXXX dollars ( I owe XXXX on the loan ) the engin is defective because coolant leaks into the engin block from a manufacture defect.
Product: Checking or savings account

After having a substantial relationship with  Suntrust Ba nk, I got a notice they have decided to close my account and gave me no reason whatsoever. I ha d one iss ue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship My account was closed after a payment was made by mistake and should have been reversed.   XXXX   XXXX   bill went through and should have been sent back but bank closed and paid transfer and then held account.     Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
Product: Debt collection

On XX/XX/2024, I sent Jefferson Capital Systems , LLC ( XXXX XXXX XXXX  XXXX ) a notice regarding a collection I discovered on my consumer report. Per FDCPA 809 ( a ), I did not receive any written communication ( XXXX XXXX ) and requested proof that it was sent, In addition, my consumer rights were violated under 15USC 1681b ( a ) ( 2 ) -Permissible Purpose, 18 USC 1028A-Aggravated Identity Theft and 12 CFR 1006.30-Other Prohibited practices. The original letter I sent, and all of the violations are attached to this complaint.
Product: Checking or savings account

XXXX XXXX, XXXX, at approx. XXXX I went to the teller window inside XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX to withdraw {$1200.00} from my savings account to pay for some used furniture. The tellers told me they were not open until XXXX and suggested I use the ATM next to their window to withdraw funds. Even though the daily limit was only {$800.00}, I was in a hurry so I used my ATM card to withdraw. When the cash was dispensed, I counted it twice and it dispensed only {$780.00} in {$20.00} bills, even though I requested {$800.00} and the debit from account on receipt read {$800.00}. 

I immediately handed the cash to the XXXX tellers at the window, who both counted it twice and verified I was shorted {$20.00}. XXXX XXXX, the first teller to count it said that at the end of the day they would count the ATM and credit my account immediately if it was over. The next morning I received a message from XXXX XXXX that the ATM was counted and the machine was not over, so she would file a claim. 

XX/XX/XXXX I received a letter dated XX/XX/XXXX, stating their investigation was complete and my claim was denied. I called the Bank XX/XX/XXXX and after several transfers, a XXXX banker, XXXX, told me she would issue a provisional credit to my account immediately and re-open my claim. She also said they would send me the documentation used in their investigation that I requested. 

XX/XX/XXXX, no credit had been issued to my account and I had not received the documentation I requested. I called and was transferred 6 times in more than an hour, each telling me they couldn't help me. I was finally transferred to XXXX ( she said she was not allowed to give me her last name ), who told me the case was still ongoing and I would have to wait another 90 days before investigaton is complete. When I asked them what their retention policy for the video surveillance was, no one could or would tell me. How do I get that video preserved and viewed by law enforcement in case they deny my claim again after 90 days? 

XX/XX/XXXX I received a letter dated XX/XX/XXXX stating the documents I requested XX/XX/XXXX were attached. The 2 page document entitled " ATM TERMINAL INFORMATION '' make no sense to me whatsoever. There was nothing in the letter explaining an ongoing investigation or status of my claim, nor have they given me a credit for the money they shorted me. Regulation E states they must provide provisional credit during investigation within 10 days and complete investigation within 45 days. As of today it's been XXXX days and still no resolution.
Product: Credit reporting or other personal consumer reports

This is a complaint against the three major credit reports agencies, XXXX, Equifax and XXXX is reporting a US Bankruptcy Court of XXXX on my credit report which is false. I have reached out to the three major reporting agencies and filed a dispute asking them to delete this incorrect information immediately based on the following fact. I have attached a verification letter from the United States Bankruptcy Court for the XXXX XXXX XXXX XXXX XXXX stating the U.S. Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report, verify or furnish any information to the credit bureau or any credit monitoring agencies with regards to verify bankruptcy information.
Product: Credit card or prepaid card

My job filed for partial unemployment, two weeks have gone by everyone has received card yet im the only one waiting, and I have checked and it has indeed been loaded with money multiple times. I really need my money and have faced 3 hour wait times no one answers. I have bills to pay and kids to feed. Thanks a lot XXXX for being absolutely no help at all.
Product: Student loan

I contacted XXXX XX/XX/XXXX because I wanted to get my student loans situated and take part in the Student loan forgiveness program. I called and spoke with XXXX. I told him my situation and what I was wanting to do. He said they would help me get my loans consolidated and start the repayment plan. They went into my XXXX acct and setup a username id and had stuff sent to an email address that is not associated with me. I found all the out because I received a bill from XXXX stating I owed {$930.00} by XX/XX/XXXX. After contacting Fedloan I found out that everything they said they would do was not done. They were supposed to submit my forms so that I could be put on Student Loan forgiveness plan they did not. I have been paying them a monthly fee of {$39.00} since XX/XX/XXXX and for nothing.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I received an email from XXXX XXXX stating a credit card application had been declined. I also received emails from several credit monitoring services stating I had a new hard inquiry on my credit report. 

I have not applied for a new credit card. This is fraud. 

I attempted to open the decision letter from XXXX XXXX, but was given an error message stating my input information ( last XXXX ssn, name, zip code ) did not match what was previously provided -- perhaps the fraudster used an old zip code? 

Immediately, I went to my credit reports for Experian, XXXX, and XXXX. The hard inquiry is listed on all three reports. 

I called Experian first to dispute the hard inquiry. The representative was very helpful, and she recommended I file a report with ftc.gov as my next step -- that's what I'm doing here.
Product: Credit card or prepaid card

Between XXXX and XX/XX/2020 someone " '' Hacked '' into my " PayPal account and Fraudulently " Changed '' my original email address and cell phone numbers on my original PayPal account. Please be advised that I did not give anyone my permission or authorization to change my personal information on my PayPal account, neither was I notified or contacted these fraudulently changes on my account by PayPal which I find quite disturbing & appalling, This " Hacker '' made numerous fraudulent unauthorized transactions on my PayPal account and locked me out of my account both online and by telephone. I've contacted PayPal to get some assistance to recovery my account and reset my email address, cell phone number and password but is advised that I can not access my PayPal account information because the " Hacker '' changed my original email address to his/her fraudulent ( XXXX XXXX email account and a fraudulent phone number that I can not verify because it was changed without my permission and authorization. I need help to recover my account. PayPal has my original hone address and home telephone number but refuses to assist me in the recovery of my PayPal account. PayPal mails the bills to me but the " Hacker '' has complete control of my PayPal account racking up debt in my name and sabotaging my credit. I need assistance recovering my account, email address, and cell phone from the " Hacker 's '' fraudulent XXXX account & phone number so that I can gain access to my PayPal account. I find it quite disturbing in this day and age of technology that PayPal does not have a " Technical Support '' department to assist me with my request. PLEASE, PLEASE, PLEASE I'm desperate for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  XXXX breach and may have got into the hands of the wrong person.
Product: Debt collection

IN REGARDS TO : TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I REQUESTED THAT THE COMPANY DO A DEBT VERIFICATION AND VALIDATION AFTER I SEEN THIS REPORTING ON MY CREDIT FILE. I NOYFIED THE COMPANY THROUGH LETTER CERITFIED ON XXXX XXXX RECEVIED BY AGENT XXXX XXXX.I EXPRESSED IN THE DEBT VALIDATION LETTER AND DEBT VERIFICATION THAT I AM VICTIM OF IDENTITY THEFT AND THIS ACCOUNT THAT THEIR CONTINUING TO TRY TO COLLECT ON IS CLEARLY NOT MINES, AND CEASE AND DESIST REPORTING IT TO THE CREDIT BUREAUS. 
MY REQUEST AND DOCUMENTATION OF THE ADDRESS THEY ARE REPORTING WITH THE ACCOUNT I HAVE NEVER LIVED AT WHICH MAKES NO SENSE I'VE HAD SEVERAL ITEMS IM FIGHTING ALONG WITH THEM FROM THIS SAME ADDRESS. IT HAS CLEARLY GONE UPON DEAF EARS. TRANSWORLD SYSYTEMS HAS YET TO PROVIDE ME WITH A ORIGINAL CONTRACT OF SOME SORT THAT HAS MY ORIGINAL SIGNATURE AND DO NOT PROVIDE ME WITH A BOLIER POINT BILLING STATEMENT OF CHARGES. ONCE AGAIN I'M SO UPSET ABOUT THIS AND IT'S APPARENT THAT WHEN YOU ARE A TRUE VICTIM OF IDENTITY THEFT AND YOUR IDENTITY HAS BEEN STOLEN NO ONE SEEMS TO CARE. THESE THEIVES WILL GO AS FAR AS TO PAY THE BILLS TO LIVE AS YOU.
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also state a c onsumer replorting agency can not finish a account without my written instructions.
Product: Debt collection

I am filing this complaint because PRO COLLECT has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX DEAR EQUIFAX I, XXXX XXXX XXXX XXXX have written this letter to dispute a claim that is falsely listed on my consumer report with your company. the amount ( s ) owed are no longer outstanding for the following item : Party Owed : XXXX XXXX XXXX AMOUNT : {$940.00} ACCT # XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF A WRITTEN AGREEMENT BETWEEN MYSELF AND SUNRISE CREDIT SERVICES. SOMEONE USED MY INFORMATION FOR THEIR PERSONAL GAIN. THIS ACCOUNT IS FRAUDULENT AND I AM REQUESTING THIS ACCOUNT BE DELETED FROM MY CREDIT FILE IMMEDIATELY. 
This is my official request to have the aforementioned item to be deleted from my consumer report. Enclosed may be additional evidence to support my claim. 

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

Experian has sent a refusal to investigate my credit file claiming a “Suspicious Request” which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experian’s delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I cannot be the only one…The account in question are as follows:ACCOUNTSXXXX XXXX 		          	****XXXX				           XXXX   			****XXXXXXXX   			****XXXXINQUIRIES	XXXX XXXX XXXX			XX/XX/XXXX	XXXX XXXX		XX/XX/XXXX	XXXX XXXX XXXXXX/XX/XXXX	XXXX XXXX XXXXXX/XX/XXXXPUBLIC FILINGS	XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX