23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Consumer Financial Protection Bureau ( " CFPB '' ), I am filing this complaint against Marcadis Singer P.A. ( Marcadis ) and XXXX XXXX, XXXX ( DNF ) for willful violations of the Fair Debt Collection Practices Act ( FDCPA ), the Florida Consumer Collection Practices Act ( FCCPA ), and other applicable laws. 

Marcadis and XXXX engaged in unfair and deceptive practices by filing a frivolous lawsuit against me, falsely alleging that I owe a debt of {$7000.00}. The lawsuit was signed by XXXX XXXX XXXX, a debt collector, who has no legal standing to sue me. Despite my repeated requests, neither XXXX XXXXor XXXX has provided proof of ownership or a valid chain of title for the alleged debt. Their actions constitute unlawful and deceptive practices under state and federal law. 

Furthermore, prior to these actions, I never provided consent for eitheXXXX XXXX or XXXX to contact me. Their actions constitute an intrusion upon my seclusion and an infringement of my right to privacy. They unlawfully obtained and used my identifying information without my knowledge or lawful consent. 

Under duress and intimidation, I was coerced into making payments totaling {$800.00}. They threatened harm if I did not comply with their frivolous lawsuit. This coercion, combined with their refusal to provide proper documentation, has caused me significant emotional distress, humiliation, and financial harm. 

I demand that Marcadis and XXXX immediately refund the {$800.00} collected through their unlawful practices and cease all further collection efforts. I will no longer participate in this illegitimate proceeding and will pursue legal action for the violation of my rights under applicable laws. 

Please see the attached documents supporting this complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX All Rights Reserved Without Prejudice, UCC 1-308
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( s ) in question include : * Account Name : XXXX XXXX * Account Number : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically XXXX. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. 
* CRAs must block the information within XXXX business days of receiving the required documentation. 
XXXX. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within XXXX  days and delete unverifiable or inaccurate information. 
XXXX. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request. 
* I formally request the following : XXXX. The immediate blocking of the disputed information under FCRA 605 ( b ). 
XXXX. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report. 
XXXX. A revised copy of my credit report reflecting these corrections. 

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I Sent a Request for All Inaccurate information to be update and have yet to receive a response or course of action from all three Credit Bureaus. I also sent another request for a response and have yet to receive and information regarding my dispute. My next course of action it reaching out to the CFPB to help me resolve the issue with XXXX, Equifax and XXXX.
Product: Bank account or service

My wife and I gave personal information to XXXX XXXX a loan officer for a loan from Movement Mortgage LLC. We found and can prove that the mortgage company was subsequently padding expenses that they promised not to charge. Accordingly, we withdrew our application. We asked that the mortgage company shred all our documents and delete all our personal information from their computer files. The mortgage company will not respond.
Product: Debt collection

IC SYSTEM is claiming that I owe them {$420.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Debt collection

This collection agency was disputed via credit bureau which notified me that the collection was valid. I have not received any verification of the validity of this collection from the collection agency.
Product: Debt collection

On XX/XX/2020 I received notification that this debt collector company Reliant placed a collection under my name for a school I've never attended. I have not attended any colleges in my entire life. I would like for this derogatory information to be removed immediately. This company has failed to provide me with the following information to prove this account belongs to me. Application with my name, date, hours attended, classes, etc to show I was attending this school. They are breaking the FCRA law and I demand this debt be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CHASE CARD Inquiry Date XX/XX/XXXX2018
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

My information was sent to a third party which resulted in my personal information being used without my knowledge or consent and I wasnt giving in proof on the collections
Product: Consumer Loan

I Have had several things added on my credit due to identity theft and this is one of them. I have tried to talk to this company and solve the problem with them, but there has been no budge. I did not open this account and feel that it is wrong that i continue to suffer for it. Please resolve this immediately.
Product: Mortgage

Bank : CitiMortgage. I paid off my mortgage with Citi and refinanced the same with XXXX. Citi has charged me XXXX dollars ( XXXX dollars twice ) saying they faxed me a Payoff Statement, when I do not even have a fax number. They are unable to provide me details on who and to what address ( phone or mailing ) was the payoff statement sent. 

Citi has also charged me XXXX dollars as " release Fee '' when it is actually Recording Fee. I already paid the Recording Fee to my refinance company ( once for recording that Citi off the mortgage and once for recording that XXXX is on the mortgage ). I have also checked the same at XXXX XXXX XXXX and the monies for these transaction have been paid my closing company
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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: Debt collection

This is XXXX XXXX. On XX/XX/year>, I submitted a dispute because I am a victim of identity theft, and I provided you with a notarized Identity Theft Affidavit. You claim your so-called " investigation '' was completed on XX/XX/year>, but I have yet to receive any transparency or satisfactory explanation. Let me be clear : I never applied for any Macys card. Your mishandling of this situation is unacceptable. I am demanding, within 5 days, the following : Full disclosure of every step and procedure you used to determine the " accuracy '' of the false information I disputed. All documentation related to your investigation, including interviews, evidence, and anything you used to make your decision. If you are challenging my notarized affidavit, I expect Macy 's to provide a notarized affidavit under penalty of perjury that specifies exactly who was interviewed and what evidence you claim justifies your stance.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I received a copy of a background report from XXXX They sent another copy to XXXX for XXXX employment. Assuring was only suppose to go back XXXX for the background check. Asurint went back over XXXX XXXX in the background report which is XXXX more than the FCRA federal law states.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX XXXXXXXX XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of XXXX XXXX XXXX ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure. 
3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Checking or savings account

During the beginning of the month of XX/XX/2022 I went XXXX XXXX and was told I can not open an account due previous account. I need to pay almost XXXX dollars. I ask documentation, something visual explaining debt, date time fame and void check. I went to XXXX XXXX XXXXXXXX was told the same things. However they open an account for me but told me it will close in a week if I dont sign up for mobile banking. I went to XXXX XXXX and was told I cash a check in cash check for XXXX for checking and XXXX for the saving, and in order to pay it off I will have to pay with the manger whos is someone I speak to every time I come in bank. I also spoke with XXXX XXXX bank tried to open up account. From my understanding, I close my account due to my social security card got stolen from the job. Along with me losing my debit card. The reason they said I couldnt open acct there is because I need to have a credit score of XXXX when my credit score is XXXX XXXX points away N was advise to contact the check system. I am shock of hearing this especially since I had an account with Bank of West and process a claim then waiting on claim results my account got close. I went XXXX different bank spoke with XXXX and the manger on XXXX and call customer service representative and more. The bal is XXXX which are bank fees. I ask can I reopen another account but having trouble, however they want my money through. This bank is the bank my stimulus Check and refund goes too as well I found it strange how all of sudden when Covid-19 come now I cant open any account. Every bank manger I know them from past or went to school with. Along o feel like they are u to something can you help please. I work to hard. To deserve this. I use to before the pandemic had two to three accounts at once.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Comerica Bank Parent Company of Direct Express, has failed and/or refused to issue my Social Security Benefits and a timely and prompt fashion. On at least two occasion XXXX XXXX and XXXX XXXX deadlines were failures. I tried to exhaust my remedies at corporate level but to no avail. I spoke with gentlelady for the eastern board name XXXX. I explained to her I went to the postal office on 2 different occasion s superior told me there was absolutely no mail for for direct Express. I told her this the answer she could offer is that pay federal XXXX for XXXX dollars. Keeping in I 'm on a fixed income and over on rent other bills.then spoke with XXXX who operates Quailty service for Comerica bank. She totally avoid Ed me.I ran out of options. This complaint is my last resort. To this date XX/XX/2016.I Respectfully ask that CFPA look into this matter at your earliest convenience. And compel These entities with all rules regulations of law. To issue my debit MasterCard. ASAP and and other relief you may offer thanking you in advance for your assistance ....
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Vehicle loan or lease

On XXXX XXXX my XXXX Honda Passport truck was stolen from my apartment. I called Honda and reported it. The customer service rep advised me not to make any more payments, up until then, my payments were on time, even during the pandemic. My next payment wasnt due until XXXX XXXX. I filled a police report on XX/XX/XXXX. The insurance company advised me that itll take 30 days for any payouts, just in case the truck was recovered. It never was. They called in XXXX said I owed {$640.00} ( XXXX XXXX, a then another Honda Rep XXXX XXXX XXXX called me on XX/XX/XXXX at XXXX asking for a payment, for {$5000.00}, I asked them to send me a statement in writing because of conflicting amounts. Then I advised the rep I was recording too and she hung up. Then they called on XX/XX/XXXX, and said I owed {$500.00} for XXXX payment, but would not put it on my credit report, and they would stop calling because they were still waiting for XX/XX/XXXX to finalize the case. They lied, they called again on XX/XX/XXXX at XXXX ( XXXX XXXX, and reported it as late payment anyway, and XXXX XXXX had already paid them as of I still had not received any written final statement from Honda regarding monies owed. I requested that they send me in writing again, any monies owed. In XXXX and the Honda rep assured me it was in the mail. I never got anything. On XXXX XXXX XX/XX/XXXXpaid Honda {$31000.00} the amount they agreed upon, which shouldve included anything I wouldve owed, but all of my payments were current up to the end of XXXX and XX/XX/XXXX when I had possession of the truck. XXXX payment wasnt due until the XXXX. I went back and forth over the phone with Honda about the late reporting on my credit report and also about sending my an itemized final statement. Which as of XX/XX/XXXX, I have not received. I did however receive a letter on XX/XX/XXXX saying that XXXX paid them on XX/XX/XXXX, {$31000.00}. This date is inaccurate. They received that payment in XXXX and I resent them the information again on XXXX XXXX via fax. And they did not send me correspondence on their legal Honda Letterhead. Instead, I received a photocopy of a letter, with no signature or itemized billing. I would like for a Honda to remove the late payment information from my credit report. I would also like a breakdown of any alleged money owed so that this issue can be resolved expeditiously, and without any further tarnishing to my credit worthiness.
Product: Credit card or prepaid card

Gap Inc. switched their bank for their store card from XXXX to Barclays in XXXX, XXXX, I was not aware of. I already had an automatic payments set up with XXXX XXXX, and I never had issues with payments with Gap card since XXXX. Recently, I had trouble using my Banana Republic card that I haven't used in a while, which the store clerk said is now obsolete, and I was directed to call Barclays and I did. This is when I found out that I have an outstanding balance ( {$430.00} ) from my purchase from a year ago and now I have a delinquent account which would have negatively affected my credit score. I am completely willing to pay however much I owe from my purchase, however the balance amount is completely off. The reason is not only because of the late fees that snowballed in the past year, and but more importantly the credit amount ( {$220.00} ) that I was supposed to get back from returning most of the goods from the purchase ( {$280.00} ) was not reflected in their statement balance. I tried to talk an account specialist on XX/XX/XXXX and the information I got from her regarding my account history was not only inaccurate, but the manner in which the person was communicating to me was condescending and uncooperative.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections XXXX and XXXX ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX15 U.S.C. 6802XXXX - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX16 CFR 313 ( Privacy of XXXX XXXX XXXX ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX15 U.S.C. 1681XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.