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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Subject : Cease and Desist Demand for Harassment and Collection Activities To Whom It XXXX Concern, I am writing to formally demand that Midland Credit Management immediately cease and desist all collection activities related to the alleged debt referenced under my name, XXXX XXXX, and the account number ( XXXX ) associated with this matter : XXXX XXXX Bank XXXX account ending XXXX. 

I dispute the validity of this debt, and I am exercising my rights under the Fair Debt Collection Practices Act ( XXXX  ) and applicable state laws. Specifically, I request that your company immediately stop : XXXX. Contacting me via phone, mail, email, or any other means regarding this debt, unless otherwise required by law. 
XXXX. Attempting to collect on this debt or reporting it to any credit reporting agency. 
XXXX. Engaging in any form of harassment or aggressive collection tactics. 
In accordance with the Fair Debt Collection Practices Act ( XXXX  ), I request that you provide proof of the debts validity, including but not limited to : The original creditor 's name. 
The amount owed. 
Documentation that clearly shows I am responsible for this debt. 

Until I receive the necessary documentation proving the validity of this debt, I ask that you stop contacting me for payment. Failure to do so XXXX result in further legal actions, including filing complaints with the Consumer Financial Protection Bureau ( XXXX  ), the Federal Trade Commission ( XX/XX/XXXX), and my states Attorney Generals office. 

Please note that this letter constitutes my formal notice to cease all collection activities in accordance with my legal rights. I expect confirmation that this matter has been addressed and that you will no longer attempt to contact me or pursue any action regarding this debt unless you can provide the required documentation. 

Thank you for your prompt attention to this matter. 

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

I have XXXX inquiries on my credit report that I did not authorize, I do not have a connected account, and I did not apply for any products with these companies. These items are as follows : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry I have no credit cards , credit lines, Automobile loans, or any association with these inquiries.

I am writing to demand the removal of inaccurate information from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) Section 609.

Upon reviewing my credit report from your bureau, I have noticed the following inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX-Inquiry As you are aware, the FCRA mandates that credit reporting agencies investigate and correct any inaccurate information within 30 days of receiving a dispute. Therefore, I kindly request that you conduct a thorough investigation into the disputed items mentioned above and take appropriate actions to rectify these inaccuracies promptly.

Please provide me with written confirmation of the resolution and the updated credit report once the investigation is complete. If you find any discrepancies to be accurate, I request that you provide me with a detailed explanation of your investigation 's findings.

I am exercising my rights under the FCRA to ensure the information on my credit report is accurate and up-to-date. I expect you to comply with the law and carry out this investigation with the utmost diligence.

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and professionally. If necessary, I am prepared to take further actions to protect my rights as a consumer. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Certain reporting creditors.l have Disputed Was removed.. Then retract back These companies collection agency 's dosnt have documentation judge agreed to allowing these agencies tcollkection to collect money on lbehalf these accounts
Product: Student loan

Summary of complaint : XXXX XXXX XXXX XXXX ( lender ) has demonstrated opaque, unfair, and unethical policies towards international student loan borrowers by denying them the right to seek refinancing of their loans and refusing the release of co-borrowers. 

Description : 1 ) I have an international student loan under repayment from the lender ( taken in 2011 ). Even though I am not in the US, I have been making regular payments towards the loan and have never defaulted. 

2 ) Over the past 2 years, though there has been a significant reduction in the student loan interest rates, the lender is still charging me 5.5 % APR. In spite of making multiple requests to the lender to refinance my loan at the reduced interest rates, I am being denied the right to do so. 

3 ) The lender claims that they can not refinance international student loans where borrowers do not meet the requirements of a current US address. However, they seemed it perfectly ok to grant me the original loan in 2011 even though I did not have a US address at that time. This opaqueness of policy and loan terms is grossly unfair and unethical towards international student loan borrowers. 

4 ) As a result of the lender 's refusal to refinance my loan, I am having to bear an additional interest burden of over {$30000.00}. In my view, this practice of denying refinancing to international student loan borrowers is extremely unfair and in gross violation of consumer protection rights. 

5 ) As an international student loan borrower, the lender has also refused my request for the release of my co-borrower without giving any proper reason or justification. 

6 ) Over the past 2 years, I have made multiple phone calls and written multiple times to the lender escalating the above issues and request resolution. However, they have flatly refused to honor my request, citing opaque policy reasons. 

7 ) The lender has also cited that provisions and terms mentioned in the loan promissory note prohibit them from refinancing the loan to international borrowers. However, this is blatantly false as there are no such terms mentioned in the promissory note. 

8 ) I thus wish to bring the above unfair and unethical practices of the lender to the attention of CFPB for redressal and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus don't answer the phone and the on line dispute center has not worked in over a month.
Product: Credit card

XX/XX/XXXX new account balance {$94.00}. Made minimum payment of {$37.00} on XX/XX/XXXX. XX/XX/XXXX late fee {$30.00} XXXX Checked account payment reversed not applied no explanation. XX/XX/XXXX {$2.00} interest charged. Made {$56.00} payment on XX/XX/XXXX. XX/XX/XXXX {$37.00} late fee. XX/XX/XXXX interest {$3.00}. XX/XX/XXXX paid {$43.00}. On XX/XX/XXXX $ {$3.00} interest. XX/XX/XXXX returned payment of {$40.00}. XX/XX/XXXX paid {$40.00}. XX/XX/XXXX returned charge {$30.00} XXXX XX/XX/XXXX return charge fee {$30.00} $ twice! XX/XX/XXXX $ late fee {$37.00}. XX/XX/XXXX. {$3.00} interest. XX/XX/XXXX late fee {$41.00}. XX/XX/XXXX interst {$4.00}. XX/XX/XXXX XXXX {$51.00}. XX/XX/XXXX interest {$4.00}. XXXX/XXXX paid {$100.00}. I never received notification of the payments not going through and reversed until recently. I made several phonecall to company trying to figure out why I couldn't make my payments the site kept telling me you can not make a payment because you have a scheduled payment. I never set up reoccurring payments and still was able to make the payment and if I could it was getting reversed without notification. All reps told me I had no scheduled payments so the payment should be made. Finally in XXXX I was advised I could pay in store which I was aware of and that there was a problem with my bank account. Took months to figure that out. I kept telling them it was going to affect my credit and my credit dropped XXXX points! Now I have derogatory marks for late payments on my credit! None of my other cards have not been paid on time! They ruined my credit score because of their lack of knowledge and no communication! Now I can pay online! Why! I couldn't before all this but now I can? I swear it was intentional if I didn't know better!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 continue to 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 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I deposited my amended tax refund check from the IRS. This was a check that I had spoken to the IRS several times about and was expecting..my amended taxes had been accepted by the IRS on XX/XX/XXXX XXXX The check was in the amount {$4600.00}. I used Chime Mobiles check deposit and followed all depositing information. The check was accepted and deposited into my account. I then laid down to take a nap and when I woke up I had an email from Chime stating that my account had been closed and I had no access to my funds. I reached out to Chime for XXXX days by both email and phone and did everything that was requested of me. I provided my DL on front and back, my social security card, a utility bill, my tax transcript, a copy showing where the IRS has accepted my return. I even provides the letter I received from the IRS stating I had a refund coming. Chime requested 7 times this documentation and 7 times I submitted and on XX/XX/XXXX I received an email from Chime that my documentation did not meet requirements and they were closing my account and I would not receive my funds back. I was told because of security that could not tell me why or discuss anything but that I needed to reach out to the issuer of the check to see who the check was Intended for and who the actual payer was. So, on XX/XX/XXXX I called the IRS, who verified the check was sent by the the US Treasury as a federal tax return and I infact was the correct payee as the check said. Since then, I have received nothing from Chime. Chime closed my checking, savings, and my credit builder card and will not allow me access to any of these. They also will not give me any account statements for records or Information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information reported on my credit report regarding the account with JPMorgan Chase Bank. This account is currently reflected as charged off and inaccurately displays an inflated balance, which does not align with the settlement agreement made between myself and the creditor. 

Specifically, I had entered into a settlement agreement with XXXX and was making monthly payments as agreed. However, the final payment was not deducted from my account and I was unaware of this issue until I recently discovered that the balance reverted to an amount higher than what was agreed upon. Furthermore, my debt has been sold to XXXX different third-party agencies, which is a potential violation of debt collection practices and federal law. 

Thank you for your time and attention to this matter.
Product: Mortgage

This was a mortgage account that should have been closed in XX/XX/XXXX when it was paid in full. In XX/XX/XXXX I paid off this loan in the amount of {$250000.00}. As of today, XX/XX/XXXX, I am still receiving correspondence from Wells Fargo indicating this account remains open. I have repeatedly tried to address this situation directly with them.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove this account from my credit report it is lower my ability to obtain credit thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I started receiving notices from BB & T at the beginning of this year about " my account '' being over drafted. The problem is that I have never opened or owned an account at that bank at any time. I contacted the national number and reported the issue but it never got resolved and so I went to the local branch. Spoke with agent there who set up a meeting with the branch manager who then never showed up to the meeting. Once again called the company number and they assured me they would close the account but then started receiving the notices again. Despite multiple efforts to rectify the situation and talking to multiple agents at BB & T, either the account never got closed or they just kept opening up new ones as I continue to receive notices of problems with " my account. '' I locked my credit with an XXXX  account and disputed the account there and was told that when XXXX contacted BB & T to file the complaint on the account, BB & T told them that all the information was accurate on the account and there were no errors and the account was valid. Some person out there is using my personal information and identity to open multiple accounts through this bank and the bank refuses to acknowledge the identity theft, close the accounts, or prevent new ones from being opened in my name. Have contacted my attorney, filed a report with identitytheft.gov, and also filed a local police report and still the problem has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Third attempt to resolve this issue with both the credit reporting agencies and the collection agency. Please be advised The failure to correct inaccuracies or verify the account is against the FCRA. I have made several attempts to dispute the collection agency and the credit bureaus for the simple fact that I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. When asked to verify this account belongs to me XXXX XXXX provided statements that do not hold any information that identifies this as mt debt. I have not lived at the address on file since XXXX therefore I could not have knowingly obtained credit with this creditor. I have advised the collectors the account is fraudulent and they continue to report false and inaccurate information knowingly. Verification of a debt entails contracts that I would have physically signed for this debt which have not been provided to me. I am including the information XXXX  sent in response to my second attempt to dispute thru cfpb that only shows statements sent to an address I have not lived at since XXXX. Please stop sending information to validate this debt and provide information verification of this debt used to consider it my debt. Where are the signed contracts with my physical signature? Where are the documents provided to obtain this debt that show my identification documents. I was not a resident at the said residence the date timeframe the debt occurred. 

Attached are documents showing an failed attempt to validate a debt instead of bringing proper debt verification documents that contain my signatures. 

Attached are documents proving this company continues to knowingly report different information to each credit reporting agency. This debt is not mine, it is a fraudulent account and needs to be removed immediately On the response from XXXX they claimed the account was opened on XX/XX/XXXX but reported to XXXX as of XX/XX/XXXX that the account was opened on XX/XX/XXXX. 

In XXXX  response letter they stated the account was charged off on XX/XX/XXXX however they continued to report late payments as if the debt was active and delinquent. 

In XXXX  response letter they mentioned the account was charged off in XXXX of XXXX, however XXXX reported in XXXX of XXXX to Experian that the account is open and in collections with a past due balance reporting XXXX and payment history showing in collection up until now XX/XX/XXXX. 

XXXX has openly violated many FCRA LAWS and the credit reporting agencies are failing to properly investigate this collector and allowing them to falsify Information on my reports repeatedly. I have been disputing this debt as fraudulent since it appeared on my credit report in XXXX and this company has gotten by successfully with providing false, inaccurate and inconsistent information each dispute. REMOVE THIS ACCOUNT IMMEDIATELY
Product: Student loan

I applied for SAVE on XXXX through StudentLoans.gov for my servicer, Nelnet. ( My loans were formerly serviced by Great Lakes. ) The payment plan was not applied, so I used Nelnet 's online form to request assistance. I received an automated reply on XXXX that I would not be receiving a reply. I tried calling, but was not connected after hours of waiting. I applied again through StudentLoans.gov for the SAVE IDR plan on XXXX After reading online that many people needed to upload their tax return to Nelnet 's documents portal, I proactively uploaded my most recent return. My account was put into " administrative forbearance '' and continues to accrue interest. I have been asked three times to make a {$5.00} payment to finish enrollment in the plan, and have made the payment twice. Doubtful that making the payment a third time is going to do anything, I tried to call, got disconnected, have sent another submission through the online form, and am now creating this complaint. Nelnet 's inability to properly and promptly process the SAVE IDR requests is resulting in financial harm to me as interest accrues. The lack of accessible customer service is salt in the wound.
Product: Mortgage

I contacted WF when the pandemic hit and was unable to make payment. At no time did they help and no one new how.
Product: Debt collection

I was put under duress during our conversation. On multiple occasions during the 1 hour and 44 minute conversation I was crying. I was told that my credit would suffer, my credit worthiness wasn't worth this, that my wages would be garnished, I had had multiple letters sent to me ( not true ) I had money from other accounts I can pay the debit with, I need to spend my money wisely and pay the debt I owed, they believe I have money to pay the debit .... etc. They were looking at my credit report, my past jobs, any information they could use to psychologically make me feel like a piece of XXXX for not paying the debit card. I offered them what I had because I was in fear of wage garnishment and lawyer fees. They wanted more and made me decide right then if I was accepting the offer. I asked repeatedly for time to think and the transcripts of the conversation and was ignored. I called the company today to request transcripts of the conversation and was told I would have to sue them to get transcripts and when complaints are filed they use the notes to respond. The notes are skewed in favor of the company and I want the transcripts so that it can be understood what happened and why I believe I was bullied, XXXX XXXX, harassed and tricked or scammed into accepting " a deal '' while under duress. Any company who makes someone make a decision under duress, in fear, and without being able to think about it first is using psychological warfare and it is criminal to use these tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account. Please provide method of verification and original instrument of indebtedness. The binding agreement for the account.
Product: Checking or savings account

I closed my account because of the fees associated with WellsFargo. I will have to get them to pull all the charges that was billed to me. I had multiple accounts with them for over 30 years. Can I recommend that I get copies of my expenses during that period of time?
Product: Debt collection

I was a victim of identity theft and noticed a collection from CREDIT CONTROL SERVI I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT CONTROL SERVI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Debt collection

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested on more than one occasion from all three credit reporting agencies that the attached information for the account in question be removed and it remains on my credit report despite it being well over seven years old.