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

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : XXXX XXXX. Account # XXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, account XXXX XXXX XXXX  has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 an account without my written instructions.
Product: Debt collection

Approx XXXX I had an account with XXXX XXXX, which ended when the cell company refused to show me reasoning for the amount claimed owed approx. {$750.00}. I specifically ask for dates, reasoning for the extra charges, why we were being charged the extra fee 's, who authorized any additional plans, etc ... XXXX responded back stating the account had been turned over to a collections agency. We immediately contacted the collections agency requesting the same intel as with XXXX. The collector replied stating they were unable obtain the intel we were requesting, but demanding to be paid. So we refused to pay the amount of the debt we simply did NOT owe, but simply offered to pay what they could prove we owed ... I admit we owe them money, but only XXXX of what they claimed. Now, 5 years later, we have a different collector requesting to be paid, but each time, with each collector, the amount keeps growing ... Now, the bill has grown to {$1000.00} but offering if we pay in full, they 'll reduce it to {$530.00} and show on our credit report " AGAIN '' as a debt write-off ... Which I 'm sure they will sell that amount to a different collector ... How can our XXXX allow for the credit companies to keep selling and re-selling, and re-selling, and keep re-selling a debt and keep putting it on your credit report without having to show how or why you owe the amount claimed ...? Any help is greatly appreciated ... Many thanks,
Product: Credit reporting or other personal consumer reports

Multiple incorrect mailing address, employer, date of birthday and names are being reported on my credit report. I have reached out to Experian, XXXX XXXX XXXX several times over the last 3 years to have my report corrected with no correction. These errors are hurting my credit file and prohibiting me from purchasing property and receive loans for my business because they are linked to accounts that are fraudulent and not associated with myself.
Product: Bank account or service

I recently switched 100 % of my payment transactions to paypal. On XXXX XXXX my account was limited. They asked me to verify information and I did and the limitation was then limited. On XXXX XXXX another limitation was added again asking me to confirm my information, I did and again the limitation was lifted. On XXXX XXXX once again my account was limited asking me to verify additional information which I did and the lifted the limitation and then added a rolling reserve to my account. I was told that it would have a 18 % rolling reserve added to each transaction for 60 days but would have a max. The max withheld amount was never provided. It is now at in excess over {$12000.00} withheld of my funds. I have sent emails, made numerous phone calls and one person sends me to the next and I am not getting any answers other than being shuffled around. I did reecive a personal email from a paypal represinative that I spoke to for a lengthy time stating he spoke to someone and they denied to release the funds. I find the amount of money they are holding to be more than excessive and abusive. The release schedule has not worked by providing me with any information, I can not speak to anyone that can help with the extreme and urgent matter. Furthermore the money in which they are holding over {$12000.00} currently is not back by the FDIC. I want the funds released. They have no rights to my funds or to hold them and not so much as be able to respond to me or provide me with accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name : [ XXXX XXXX in Account Number : [ XXXX ] Date of Charge Off : XXXX Amount : [ XXXX ] I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law.
Product: Credit reporting or other personal consumer reports

Account opened- XXXX XXXX credit limit {$1100.00} I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as Equifax and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. Equifax and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Product: Mortgage

The previous servicer XXXX XXXX have transferred/sold my old account to Selected Portfolio Servicing ( SPS ) without resolving my old XXXX account. The present servicer Select Portfolio Services is unaware of my tender of payment offered to XXXX prior to this transfer. My tender of payment to which XXXX service should have closed my account out therefore relieving me from any further dealings with any future servicing agency or bank ( s ) .This did not happen. 
Also, ,it has come to my attention due to the hardship of homeowners during Covid-19, XXXX XXXX XXXX CEO XXXX XXXX is putting a freeze on all foreclosures until the end of this year 2021. This is in support of the Consumer Financial Protection Bureau proposal rule that will prevent lender from starting foreclosures ( see attached ). 

in addition SPS provided me with the 1 ) owner/investor name and address 2 ) the trustee name and address.
Product: Credit reporting or other personal consumer reports

I am writing to formally address several violations of federal laws committed by your agency in connection with the collection of a debt allegedly owed by me : TRANSWORLD SYSTEMS XXXX Open Date : XX/XX/year> According to the Supremacy Clause, federal laws supersede state laws and corporate policies. Therefore, your agency is legally obligated to comply with the Fair Debt Collection Practices Act ( FDCPA ) along with applicable consumer privacy regulations. Any conflicting state law or internal policy is secondary and not applicable. 

Your agency has violated the following federal laws : 1. 15 U.S.C. 1692b ( 2 ) - You stated that I owe a debt without providing proper verification or substantiation.

2. 15 U.S.C. 1692c ( a ) - You communicated with me regarding this debt without my prior consent, which is a clear violation of the FDCPA.

3. 15 U.S.C. 1692d - Your conduct has been harassing in nature, which is strictly prohibited under the Act.

4. 15 U.S.C. 1692 ( a ) - Your actions have invaded my privacy by sharing information without proper authorization.

5. 5 U.S.C. 552a ( b ) - Your agency is not permitted to disclose my personal information without my written consent or authorization ; as of now, you have not obtained that consent.

6. 15 U.S.C. 1692e ( 10 ) - You have used false and deceptive means to collect the alleged debt.

7. 15 U.S.C. 1692e ( 6 ) ( B ) - There has been false representation or implication that the sale, referral, or other transfer of any interest in a debt would subject me to practices prohibited by the FDCPA. 

Furthermore, I would like to reference the case of XXXX XXXX XXXX XXXX XXXX, XXXX to underscore the need for proper verification and account-level documentation, as mandated by 15 U.S.C. 1681s-2 ( b ) ( E ). If your agency can not verify the information with proof of verification, I demand that the account be removed immediately. 

Additionally, as stipulated in 12 C.F.R. 226.25 ( a ), you must provide account-level documentation to substantiate any claims of debt. 

As a result of these violations, I demand the following : 1. Immediate cessation of all communication regarding this alleged debt until proper verification and consent have been obtained.

2. A written confirmation that my personal information has not been disclosed improperly and that all records reflecting these violations will be rectified.

3. removal of this account from my consumer report.

Failure to comply with these requests and rectify the situation may compel me to take further action, including filing complaints with the Federal Trade Commission ( FTC ) and pursuing legal remedies. I expect a prompt response to this letter, addressing my concerns adequately. Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized credit inquiries on my Equifax report. These inquiries were not authorized by me and I do not have any accounts attached to these companies. These fradulent inquiries are affecting me tremendously in my journey to improve my credit for me and my kids. They are the following : 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 XXXXXXXX  XXXX/XXXX/XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Consumer Loan

J.P.Morgan Chase sent me courtesy checks at 0 % intro for paying bills, etc. I called the XXXX number to find out more. I was told I had a limit of approximately {$1800.00} on credit or {$1500.00} cash. I explained how in XXXX took out a small loan of {$3000.00} with a high fixed rate and looking to cut down the intrest. She took some information and went to a supervisor. She came back a few minuets later granting me as much as {$3000.00} availability on their courtesy checks sent me in the mail. I told her I would be using one for near that amount that day XXXX XXXX, 2016. She assured I was good to go. I paid the loan. In today 's mail notice from J.P.Morgan Chase a stop payment on the check they are only good for {$1500.00}. I was on the phone an hour with them today XX/XX/2016. They do n't care just kept repeating over and over I did not have the credit to cover it. They had a record of my call and would not elaborate. XXXX of the XXXX XXXX office was like a robot repeating it over and over. What kind of fool would after calling them attempt to cut a bum check? Now I must re establish the original loan, pay application fees on a new loan, and also a returned check fee. They assume absolutely No responsibility and told me to submit any returned check fee and perhaps they might pay that. A verbal contract form their representative agreed to by the supervisor at the time later not enforced at a substantial cost to me. They do not care.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reporting XXXX XXXX as inquiry. This is unauthorized inquiry. I have contacted XXXX XXXX and they have no record of this inquiry. Equifax reporting this falsely and providing written proof per my letters
Product: Student loan

I have been sending documents to Navient on behalf of my loan discharge. I was told that I qualify for a loan discharge for ( ability to benefit and disqualifying status ) from a customer service representative from Navient after explaining that I have not been able to find employment due to having a criminal background. When I first submitted my application back in XXXX of XXXX, it was denied due to not having the State of CT statues that states the type of employment that you are not able to have due to having a criminal record. I re-submitted these documents days later with the statues attached. I was contacted by Navient and told that my application for discharge was denied due to not having the documents showing my criminal record before my loans were XXXX. I then submitted these documents to Navient in XXXX of XXXX. In XXXX of XXXX, I was told that my loan discharge was denied because I needed proof that the school was made aware that I had a criminal background before my loans were XXXX. I submitted a letter from the Associate Dean of the University of XXXX, that was written on my behalf for a pardon that I was applying for. I was again, denied because it did not state that the school was made aware that I had a criminal background before starting the program. I contacted the University of XXXX and received a letter in writing from the Associate Dean, stating that in XXXX of XXXX I notified the school of having a criminal background before starting in XXXX of XXXX. I uploaded this required letter to Navient in XXXX of XXXX. I was contacted by a supervisor and was told that the discharge was again denied and that I would need letters from jobs that I applied for, showing that I have been turned down for employment because of my criminal background. I contacted over XXXX human resource offices for past jobs since the completion of my degree and was told that, " I would not be able to obtain this information, because it is only kept in the system for 30 days. '' I have not found a job and was told by the University of XXXX that they assist with job employment resources to help find employment upon completion of the degree program. I have not been able to find employment due to having a criminal background, I obtained a XXXX XXXX in XXXX. I have a debt that I am not able to pay because I can not obtain employment due to having a criminal record. My discharge has been denied 8 times by Navient, I promptly submit the documents that have been requested and Navient continues to deny my discharge.
Product: Credit reporting or other personal consumer reports

Hello, My complaint is in regards to XXXX XXXX, this is the second time Ive had an issue with them. See prior complaint. I received a message from XXXX ( XXXX ) that my credit score had tanked tremendously. I checked my report and it was XXXX XXXX that reported me 30 days late. My account was paid off in XXXX of XXXX, therefore I didnt have a balance. I received a text text message that said I had a balance of XXXX cents and that it was late. Mind you, I paid off my account in XXXX of XXXX to a XXXX balance. I called XXXX with the number provided on their website several time, no answer. I sent messages via XXXX, no response and I emailed for the last couple of days and still no answer. I also noticed they deducted XXXX out of my bank account. This is insane. I really need assistance with getting my credit update to never late, as I have never been late and this account was paid off in XXXX. This company should be shut down for their fraudulent activities. They are ruining consumers lives with the way they handle their past customers and Im sure current ones as well. Please assist.
Product: Debt collection

There was an XXXX account opened that was did not belong to me that is currently in collections. The account was opened on XX/XX/2013 in the amount of {$1100.00}
Product: Credit reporting or other personal consumer reports

I wrote XXXX XXXX requesting validation of this alleged debt on ( XX/XX/2023 ) As of today, the company only response was debt was verified. It has been 60 days. This company have failed to supply the demanded proof of the alleged debt, I want to note that under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following informati

on : 5. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 6. What is your authorization of law for your collection of information? 7. What is your authorization of law for you collection of this alleged debt? 8. Please send evidence your authorization to do busi
ness or operate in the state of ( Michigan ) 9. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.

Best Regards, XXXX XXXX
Product: Debt collection

Midland Funding XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX. They are reporting a XXXX XXXX. debt that was originated in XXXX from my XXXX husband that I never knew anything about. I never signed for this loan and I knew nothing about it. They are harassing me to make a payment but XXXX sent me a letter stating they dismissed the debt and I filled a dispute through XXXX and provided them with a letter from XXXX stating that the loan was fraud and asking them to remove it from my credit but Midland has refused to move it. On XXXX/XXXX/XXXX XXXX sent me a notice of account closure of this fraudulent account partial account number XXXX but Midland XXXX still trying to collect on it. on XXXX XXXX XXXX I called midland funding, but they are still insisting I pay them.
Product: Debt collection

Upstart Network Inc. 

Date Opened : XX/XX/2017 This company is negatively effecting my credit. This personal loan owed is already paid. I wanted this collection removed because it effecting my efforts of getting a mortgage.
Product: Checking or savings account

A fraudulent checking account was opened in my name on XX/XX/year>XXXX  with Chase bank. I received 3 emails, one alerting me that I have opened an account, the next telling me a new device as been used to access the account, and a third telling me that my email address has been changed. 

I immediately contacted Chase about the incident and they have put a freeze on the 'account '. According to them, not transactions have occurred, but they did confirm that my Name, Address, and Social Security number had been used to set up this account. 

I can provide emails and any other information as needed.