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

I am writing to formally request that you cease all communication with me regarding the debt you are attempting to collect. Pursuant to 15 U.S.C. 1692c ( c ), I hereby request that you immediately stop all communications with me concerning this debt, including any communication through credit reporting. Under the Fair Debt Collection Practices Act ( FDCPA ), once a consumer requests in writing that a debt collector cease communication, the debt collector must stop all communications, except for the following exceptions : To inform the consumer that the debt collectors efforts to collect the debt have been terminated ; To notify the consumer that the debt collector or creditor may invoke specified remedies that are ordinarily invoked by them ; To notify the consumer that the debt collector or creditor intends to invoke a specified remedy. This requirement was reinforced in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXXXXXX XXXX XXXX where the court emphasized that debt collectors must adhere to a consumers request to cease communication under 15 U.S.C. 1692c ( c ). Additionally, any reporting of this debt to credit reporting agencies after this notice will also be considered a violation of the FDCPA. Any further communication from your office regarding this debt, including through credit reporting, will be considered a violation of the FDCPA, and I will pursue appropriate legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not responded to my multiple request for validation or confirmation of validity of the following accounts reporting to my credit report : Bankruptcy ( removed from XXXX  & XXXX  ) US DEPT OF EDXXXX {$20.00} & {$59000.00} ( removed from XXXX  and XXXX ) XXXX {$4300.00} ( Removed From XXXX  and diffrent amount shows on XXXX  report {$4400.00} ) XXXX XXXX   {$870.00} ( removed from XXXX  and Balance shows as {$0.00} balance on XXXX ) XXXX XXXX XXXX ( Removed from XXXX  and XXXX ) XXXX XXXX XXXX ( Removed from XXXX  and XXXX  ) XXXX Score Rewards ( Removed from XXXX as invalid ) Letters have been sent requesting proof that I am responsible for these accounts and documentation used by experian to validate. All student loans were paid off and reported to all credit agencies. The bankruptcy was never verified by the furnisher as they have provided documentation that they do not provide such information to credit agencies. Experian fabricated there means of verifying this information and stated that they verified using XXXX XXXX I have attached documentation showing that my lexis nexis account has been frozen since XX/XX/XXXX of 2018. 

I have made multiple complaints with CFPB and Experian always avoids responding by stating that I am not XXXX XXXX and that I am some sort of agency. They have been stalling for years using the same tactics. They have no right to report this information and have not provided any documentation explaining how the student loan accounts showed as paid off on all 3 credit bureaus then placed back on my experian account without notice or how they verified the public record with the court which does not provide this information to Experian. All request for validation on all other accounts remaining have also been ignored. Please see all documents attached as well as the recored call with Experian confriming Student Loans are paid off. ( they will not take calls from me anymore at this point ) They are avoiding me and by doing so they are committing fraud and causing so much damage by their negligence and refusal to abide by the FCRA.
Product: Debt collection

Upon reviewing my latest credit report, I found multiple fraudulent accounts that appear to have been added without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete XXXX   XXXX, XXXX XXXX, XXXX/DEPTOFED XXXX
Product: Debt collection

My VA doctor ordered a XXXX test that was completed om XX/XX/2021. I have receiving bills for {$480.00} for XXXX XXXX. The VA is slow paying them so they sent me to COLLECTIONS. 
They want me to contact the VA and get them their MONEY. 
I'm not well and have A XXXX  XXXX condition. 
They had me on hold for 10 minutes and then disconnected me.

I informed them that under Law they must file their claim in 180 days or the VA will not PAY!
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and i seen there was a account that i did not apply for or authorized which violates my consumer rights under 15 USC 1861b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquires ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and i want this off my report immediately because it has a negative impact on my report
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting Discrepancies my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost was impossible and that tracking these findings was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers, but has also allowed to repeat offenders to exploit the system, leaving users, vulnerable to scams. 
The lack of accountability transparency is unacceptable And raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX - XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I don't have any knowledge about these inquiries, and the company did them without my consent. Please remove them.
Product: Checking or savings account

On XX/XX/XXXX, I sent the following letter to Citibank. I have not yet received a response and am still being charged fees. I want all these fees refunded and the issue fixed so it does not recur. 
Citibank XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Hello, I am writing because I have been completely unable to get any assistance for my issue by phone or by chat. My accounts are under routing number ( REDACTED ) ( ACCOUNT 1 ) ( checking, ) ( ACCOUNT 2 ) ( savings, ) and ( Account 3 ) ( savings. ) In XXXX, when I opened these accounts in the basic banking package, I was informed that I would pay no monthly fees if I maintained combined balances of {$1500.00} or higher in linked accounts. ( ACCOUNT 3 ) has had over {$2500.00} in it since it was opened. However, on XX/XX/XXXX and on XX/XX/XXXX, account ( ACCOUNT 2 ) was charged {$4.00} for monthly service fees, and on XX/XX/XXXX, account ( ACCOUNT 1 ) was charged {$12.00} for monthly service fees. This most recent charge caused the account to be overdrawn, resulting in an additional {$34.00} fee. None of these fees should have been charged in the first place. In addition, I am quite concerned this scenario may repeat itself in the future. Unless all these fees are removed from my accounts and I receive a guarantee that my accounts are properly linked and such an issue will not recur, I will be closing all my accounts with Citibank and may pursue legal action to cover the {$55.00} I am owed.

Email is the best way to get in touch with me. If necessary, you may also call me at the number above or write back to the address above. 


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

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 1. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, which was reported by Experian. On XX/XX/XXXX, I initially contacted Experian regarding the following erroneous information : Account : XXXX Date Opened : XXXX XXXX, XXXX  Balance : {$1300.00} This account is not mine ; please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Product: Mortgage

I have a mortgage with Freedom Mortgage, who recently purchased the mortgage from the original holder, XXXXXXXX XXXX XXXX. I have held the mortgage for 4 years. 

On XX/XX/XXXX, I contacted Freedom Mortgage 's Customer Service number, wanting to drop the escrow account from which my local taxes are paid. The first agent I spoke to was XXXX, agent # XXXX. She told me I had to request dropping the escrow, and I responded that I was now making such a request. She apparently did not understand my request, and seemed confused. I believe that she was an off-shore agent ( her local time was XXXX when my local time was XXXX ). 

I then called a different Freedom Mortgage number and reached XXXX, agent XXXX, who transferred me to XXXX, agent XXXX. XXXX told me that I could make the escrow request through the easy-to-use web site. I had previously looked for this without success and asked XXXX to lead me through the process. After being repeatedly put on hold, XXXX was unable to help. She claimed that the web site must have been recently changed, and the web pages that I was seeing were different from those that she saw. After 45 minutes, she ended the call. 

I still can not make the online request to end the escrow. It appears to me that Freedom Mortgage is intentionally making the process incredibly difficult. If a request can be made online, Freedom Mortgage has hidden it well. And I can not help but wonder if the repeated, lengthy telephone holds are intended to dissuade people from continuing. 

I have held several mortgages over the years with many different mortgage servicing companies. I have never, ever, dealt with any company as difficult to deal with as Freedom Mortgage.
Product: Prepaid card

I have a XXXX XXXX Prepaid card from US Bank ending in XXXX. 

I am supposed to earn XXXX point for every dollar spent on that card. Till date I have not received these points. when I log onto the site it always says that reward points are unavailable.
Product: Debt collection

I keep getting calls from this one number XXXX Debt collector saying he can fix the problem. 
All my previous debt have being forgiven as they were my spouse 's medical bills after she passed from XXXX XXXX. 
Now I am with XXXX and at XXXX XXXX XXXX These people have no consideration or empathy for sick people. 

Thank you
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I logged in to the web portal to turn off the Auto Pay feature for my payment due on XX/XX/XXXX. There is not an option to turn this off, so I called the Customer service line to learn that I had to turn this off 3 days ago in order for the payment not to go through. It does not state this on the website, and when making a manual payment, it literally forces the consumer to set up AutoPay. The entire payment structure of this company and their practices should be reviewed for potential UDAP violations.
Product: Credit reporting or other personal consumer reports

I know I always pay on time. I am sure of it. I don't get why this company says I'm late sometimes. Under USC 1666b, mistakes in billing should be fixed and shown as paid on time.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several old and inaccurate items from my credit report. This is my attempt to rectify this issue, and I am becoming increasingly frustrated by the lack of response and action on your part. It is crucial that these items be removed immediately to reflect my true credit standing. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or outdated information on my credit report. These accounts are either beyond the statute of limitations or contain erroneous information. Despite my previous attempts, these items remain uncorrected. I have included copies of my previous correspondence as well as supporting documentation to expedite the review process. Please help me conduct a thorough investigation of these items and provide me with written confirmation of their removal within 30 days. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$12000.00} XXXXXXXX XXXX  XXXX Balance : {$24000.00} XXXX XX/XX/2023.
Product: Debt collection

I looked up my credit report and I have 2 collections account from XXXXXXXX XXXX XXXXXXXX. One for {$1700.00} and the other for {$670.00} on XX/XX/XXXX for a company in Washington called Sapientes Funding II LLC. I have never lived in Washington nor have I ever had any kind of business loan. It brought my credit score down XXXX pts from good to fair.
Product: Checking or savings account

On Saturday XXXX at approximately XXXX XXXX  XXXX, I contacted JPM on XXXX to report fraud related to XXXX and someone representing themselves as a JPM employee by the name of XXXX XXXX JPM employe ID # XXXX  XXXX. The initial customer service representative would not take my complaint because I did not have an account #. I stated I wanted to file a formal complaint and requested to be transfer to a supervisor for fraud complaints. This is a concern as it may deter/prevent legitimate consumer complaints, under-estimate JPM level of complaints, mis-represent the effectiveness of JPM 's complaint process and fraud risk management controls, expose consumer to fraud loss and expose JPM to elevated fraud risk and loss. I requested my complaint to be escalated. The call was transferred to a Supervisor by the name of XXXX. I provided her the information related to a call that I received from someone representing themselves as a JPM employee named XXXX XXXX ID # JPM XXXX. He was calling regarding two XXXX transactions, 1 ) {$1200.00} and 2 ) {$1500.00} with payment to XXXX XXXX XXXX in XXXX, NY. The fraudster had multiple pieces of personally identifiable information : first/last name, address, city, state, zip, and mobile #. He provided me a Case # XXXX and cancelation # for 1 ) {$1200.00} - # XXXX and 2 ) {$1500.00} - # XXXX. I was transferred to another person named XXXX XXXX a fraud support supervisor, who attempted to get more information from me. At that point, I terminated the phone call and contacted JP Morgan fraud. XXXX the JPM supervisor informed me my contact and conversation with her would be treated as a formal complaint. I provided her my contact phone numbers if JPM need follow-up information.
Product: Debt collection

I need someone to call me cause these people been stealing money from me for year.. Pressler... I tried to call myself and they giving me the run around... I need help they've tooking thousands from me..
Product: Prepaid card

I have 4 fraud transaction on my initial {$500.00} vanilla gift card ending in XXXX. Only the fourth one listed below is refunded back to me, and the first XXXX listed are denied even though these transactions are within 12 months, with a total of {$470.00}. This is a big amount of money and unacceptable Also I've filed a claim with BBB as well with complaint id : XXXX. But they denied the other four. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$1700.00}, {$0.00}, {$21000.00}, I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 











2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account.
Product: Mortgage

My mortgage was transferred to Shellpoint mortgage services back in  XXXX . My property taxes were supposed to be paid in  XXXX  but never did. I then received a letter from my city that taxes were n't paid and I had till  XXXX   XXXX  to pay them or I would have a tax lien placed. I immediately called Shellpoint mortgage in  XXXX  when this letter came and they said yes the taxes will be paid. I called city on  XXXX   XXXX ,   XXXX   taxes still had not been paid. I called Shellpoint again and they said they will escalate and to call back in a week. I waited and called the city on  XXXX   XXXX ,   XXXX   taxes still not paid. Called Shellpoint and they stated a check was mailed out  XXXX   XXXX ,   XXXX  . Waited a week and called City still nothing. Called mortgage company again all I get is check was mailed on  XXXX   XXXX . Called City on  XXXX   XXXX  taxes still not paid and as of  XXXX  Tax lien will be placed. Called Shellpoint again very upset and they finally got in touch with tax department in their company and states " Check is being overnighted as of today. '' So  Shellpoint lied about a tax payment being sent and now the City will do nothing to stop the lien from being placed. I feel this is very unbusiness like and now  I will have a tax lien placed on my credit.
Product: Credit reporting or other personal consumer reports

Hey my name is XXXX XXXX XXXX I have recently discovered unauthorized fraudulent ACCOUNTS and inquiries on my XXXX credit report THE ACCOUNTS ARE un accurate And By law Under, 15 U.S Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subsection any consumer reporting Agency By law is required to furnish this account Without proof of Written consent
Product: Money transfer, virtual currency, or money service

Do not include personal information, such as yuur name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the compar'v identify you and your account. 
( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving m account vulnerable and unprotected.

+ Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information XXXX from this description but someone gilgra may sail be able to identify me. 
Learn XXXX it work I consent to Replyin publishing this description after the XXXX has taken these steps search how to get cash app XXXX settlem... 
XXXX XXXX...