23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX The CBE Group , Inc . 
XXXX XXXX XXXX XXXX, IA, XXXX Re : Cease and Desist Demand Regarding All Forms of Communication and Reporting To Whom It May Concern, I am writing to formally demand that The CBE Group , Inc. immediately cease all forms of communication with me, including but not limited to phone calls, emails, letters, and any other means of contact. Additionally, I demand that you cease reporting any information regarding this debt to the consumer credit reporting agencies. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are required to cease all communication with me upon receipt of this letter, except to notify me that you are terminating further collection efforts, that you may invoke specific remedies which are ordinarily invoked by you or your organization, or that you intend to invoke a specified remedy. 
Furthermore, under the precedent established by the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), and XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX ), once a cease and desist request has been sent, the debt collector is obligated to cease reporting the debt to consumer credit reporting agencies. Continued reporting of this debt to the credit bureaus after a cease and desist request constitutes continued collection activity in violation of the FDCPA. 
Therefore, I demand the following : 1. Immediate cessation of all forms of communication with me.

2. Immediate removal of any information related to this debt from my consumer credit report. 
Failure to comply with this demand will leave me no choice but to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's office, as well as initiating a lawsuit for violations of the FDCPA and any other applicable laws. 
I expect confirmation in writing that you have received this letter and that you will comply with my demands. Please send your response to the email listed above within 10 days of receipt of this letter. 
Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX BANK XXXX : XX/XX/XXXX : XXXX : XX/XX/XXXX : XXXX  XXXX BANK XXXX : XX/XX/XXXX : XXXX : XX/XX/XXXX : XXXX  XXXX BANK XXXX : XX/XX/XXXX : XXXX XXXX XXXX : XX/XX/XXXX : XXXX  XXXX BANK XXXX : XX/XX/XXXX : XXXX  XXXX BANK XXXX : XX/XX/XXXX : XXXX XXXX XXXX : XX/XX/XXXX : XXXX XXXX : XX/XX/XXXX : XXXX XXXX : XX/XX/XXXX : XXXX  XXXX : XX/XX/XXXX : XXXX  XXXX BANK XXXX : XX/XX/XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to get my weekly free credit report as afforded to me by law. I've asked XXXX to fix this and nothing has been done about it. I am requesting that they fix this and allow me to access my free credit report online- NOT through the mail. I do not know what the problem is. I am including verification of my identity which I've provided to them multiple times. 

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

This is now my 3rd complaint regarding XXXX XXXX in XXXX, Texas on XXXX XXXX XXXX. I am still getting calls at my job and my references. I have asked that the only form of contact I would like to have with this company is by mail. I have sent a letter in writing asking them to do so and they seem to disregard it. I have sent the CFPB copies of the letter I submitted and the letter they left at my job. There harassment is causing me to almost lose my job because they are not only calling the phone number i provided to them for my job, but they are also calling my emergency maintenance phone number which i am not too sure how they got that number. Here is the complaint number on the last complaint I made XXXX, also here is the complaint number for the first complaint XXXX. Again I do not want this company to call my job or my references. The only form of contact is by mail.
Product: Credit card or prepaid card

I processed a payment over the phone with a rep on XX/XX/1919, this was returned by my bank as account not found because the rep left a number out of the bank account number provided. when I called back on XX/XX/19 I called and spoke with a rep and processed the payment again, when i noticed i was charged i called and filed the dispute on XXXX to have the call pulled and review as i no i provided the correct banking info. When i spoke to a rep the first week of XXXX i was transferred to the advance rep who confirmed that call was reviewed and disputed was closed when I asked her to confirm the account information there was a number missing and i advised this was the issue. I asked her to confirm that the call made on XX/XX/19 was the call reviewed, she stated no the call review was from XX/XX/19 I advised this was the wrong call and the issue happened prior to me calling back on XX/XX/19. she stated she couldn't locate the call in her department and needed to reach out to another department, today XX/XX/XXXX this charge is still has not been credited to my account, I spoke with a supervisor and i advised her to close this card as I have spend hours with this company trying to get {$27.00} reversed that should not have been charged to this account as it was the initial rep who made the mistake not me not there is a balance of XXXX that I requested they credit and they refused.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is reported as a charge-off on my credit report. After reviewing the information related to this account, I believe it is being reported inaccurately, violating my rights under the Fair Credit Reporting Act ( FCRA ) and other federal regulations. 
The debt has been reported as a charge-off, indicating that the creditor deemed it unrecoverable and wrote it off as a loss. Under IRS regulations, specifically Section XXXX of the Internal Revenue Code, the creditor should have issued a Form XXXX ( Cancellation of Debt ) to report this cancellation to the IRS, which has not been done. The failure to issue this notice and the continued presence of this debt on my credit report as active constitutes inaccurate and incomplete reporting. 
Additionally, under the FCRA, credit bureaus are required to report only accurate and verifiable information. If the creditor has determined that the debt is no longer recoverable, as indicated by the charge-off, it should not continue to be reported as an outstanding or active debt on my credit report. 
I request that you support the credit bureau XXXX investigate this matter immediately and remove the incorrect account from my credit report. If XXXX XXXX XXXX XXXX XXXX XXXX XXXX not provide clear evidence that this debt remains valid, including justification for not issuing a XXXX form, you must correct and delete this information
Product: Credit reporting or other personal consumer reports

AN ACCOUNT WAS OPENED WITH MY INFORMATION ILLEGALLY AND AFTER REQUESTING VERIFICATION AND VALIDATION OF THE FRAUDULENT ACCOUNT FROM ALL XXXX CREDIT REPORTING AGENCIES AS WELL AS CALLING THE " CREDITOR '' of the ACCOUNT IT IS CONTINUING TO BE REPORTED TO THE CREDIT REPORTING AGENCIES AGAINST THE LAW AND WITHOUT MY AUTHENTICATION AND CONSENT CAUSING ME HARM, FINANCIAL INJURY, AND MENTAL ANGUISH OVER THE HARASSMENT AS WELL AS THE FRAUDULENT ACCOUNT ILLEGALLY BEING SOLD TO A THIRD PARTY XXXX XXXX IS WHAT THE LETTER SAYS I SENT A LETTER REQUESTING THE VALIDATION PER 15 U.S. Code subsection 1681a-x and the letter attached is how XXXX RESPONDED NO PROOF HAS EVER BEEN PROVIDED TO ME ABOUT THE VALIDATION OF THIS ACCOUNT AND I HAVE REQUESTED IT'S REMOVAL MULTIPLE TIMES
Product: Mortgage

We continue to need to know why Dovenmuehle has listed a second mortgage against our account, with an additional {$2800.00}. Additionally, we have verified that only two months of payment were missed ( for a total of {$2900.00} ), for last XXXX and XXXX of 2020 due to COVID 19 and the restricted employment of my husband. All normal payments were resumed in XXXX. We have a letter from Dovenmuehle stating that the terms of the deferment were for those two missed months to be rolled into the end of the loan with no additional interest charged. 

We have been trying to resolve this issue since XXXX of 2020. We then began to try to refinance our loan in XXXX of 2020. Initially, we were told there was a hold on our account to where XXXX XXXX could not make the payoff. Then, during this last month, we have been told that XXXX XXXX can not make the payoff due to two mortgages being listed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received notification of a hard inquiry on my Equifax credit report. I did not initiate this inquiry and when I checked my my.equifax.com account, I saw that my contract information ( email and phone number ) where changed and the freeze on my report was lifted without my knowledge or consent.
Product: Credit card

Capital One has charged me interest when I paid the balance printed on the current statement in full and by the due date. The supervisor is claiming this is due to the fact that charges posted afterward. When I questioned the most recent statement, I was advised that this was because my due date was on the XXXX, but my next bill generated on the XXXX, resulting in further charges being due. I asked how I could be charged interest on something that had n't yet been reflected on any billing and the same answer was repeated. The charges have not been credited back to my account. I even asked the supervisor if this is legal under the Credit Card Act, but again, received the same answer. I also read this to the supervisor. The XXXX line on the back of their bill reads as follows : How can I avoid paying interest charges? If you pay your statement 's New Balance in full by the due date ( which I did ), we will not charge you interest on the portion of the balance that you did not pay. It made no difference.
Product: Credit card or prepaid card

Date : XX/XX/2022 I realized that I was being charged for an American Express Card that is no longer used and the Annual renewal of {$690.00} needed to be paid. I had received a call from Amex and when I tried to cancel the card all together. The Amex representative said " you will still need to pay Late Fees {$78.00} and Annual renewal charges ( {$690.00} ) for a total amount of {$770.00} because the renewal was XX/XX/2022 and its past XXXX for a refund on the renewal fees and late charge. 

It is still the obligation of the card holder to pay the renewal fee past XXXX no exceptions. This is not stated anywhere within the monthly statement of the renewal charge. Plus if you don't use the card and don't need to pay regular payments you may incur this charge without knowing like I did. And I am now forced to pay without even knowing especially when I setup a paperless account.

I tried to get the card canceled and charges removed but the American Express representative said I need to pay the renewal and fees and at the same time card will be suspended. I just want out of American Express and dont want to be held to my renewal fees and late charges because I dont and will not use the card in the future.
Product: Checking or savings account

My employer XXXX XXXX sent me my direct deposit of XXXX on XX/XX/year> but it was not deposited into my account. I call Capital One to ask whats going on and the customer service rep didnt give me an explanation of what was going on. Capital One did finally send out an email on XX/XX/year> at XXXX pm explaining what is going on and that it should be fixed in the morning on XX/XX/year>. I still have not gotten my deposit at XXXX. How is this legal?
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, and discover bank all show inaccurate payment history throughout all credit reporting bureaus and for XXXX XXXX, XXXX XXXX, and XXXX  XXXX I havent received a XXXX a cancelation of debt. Therefore the accounts are providing in accurate information and I would like it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is currently violating my rights under the Fairs Credit Act. I am a victim of Identity Theft. I disputed a fraudulent account listed on my credit report with EXPERIAN that was NOT made or authorized by me. I filed an official police report with the XXXX Police Department on XXXX XXXX, 2022 ( Report # XXXX ) reporting the fraudulent account XXXX  which I first noticed in XX/XX/ 2022. I also filed an FTC report on XXXX, 2022 reporting the fraudulent account. 
On XX/XX/2022 I received a response from Experian dated XXXX XXXX, 2022. Experian indicated that the fraudulent accounts " XXXX XXXX XXXX '' and " XXXX '' are currently NOT listed on my consumer credit report. However, the account " XXXX '' is still currently listed on my consumer credit report with a balance of {$410.00} ( Account # XXXX. Today after a second dispute with Experian, their results of their reinvestigation of the fraudulent account were The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
They also stated in the notices that We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we were unable to honor your request because you did not provide proof of your identity. However, a copy of my current drivers license, copy of social security card and utility bill was provided to Experian several times. 
EXPERIAN is currently in violation of my rights under the Fairs Credit Act. These violations include ; Reporting inaccurate information on my consumer credit report Failure to comply with section 605b of the FCRA as a result of identity Theft Failure to remove the fraudulent account from my consumer credit report even after providing an official Police Report and FTC Report Failure to conduct a reasonable investigation of the dispute Making false statements to the Florida Attorney Generals office stating that the account is not listed on my consumer credit report Causing financial hardship due to the fraudulent account listed on my credit report Under The Fairs Credit Act, I am entitled to seek actual or statutory damages, recover attorneys fees and court costs and request punitive damages.
Product: Debt collection

Subject : Request for Debt Validation, Cease and Desist, and Potential Litigation Costs Genesis Credit Management LLC COLUMBIA DEBT RECOVERY Dear Genesis Credit Management LLC, I am writing in response to your recent communications regarding an alleged debt. Please consider this letter a formal request for validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). In accordance with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please be advised that statements alone are not sufficient evidence of a debt. I require that you provide the following : 1. **Proof of the debt : ** The original signed contract or agreement that substantiates the existence of the alleged debt.

2. **Chain of title : ** Documentation showing the chain of custody or transfer of the debt, proving that you have the legal right to collect this debt.

3. **Itemization : ** An itemized statement of the alleged debt, including any fees and interest accrued.

Additionally, this letter serves as a formal **cease and desist** notice. You are hereby instructed to cease all forms of communication with me regarding this matter, including but not limited to phone calls, emails, and written correspondence. Note that this cease and desist also extends to any reporting to consumer credit reporting agencies. Any report to a consumer reporting agency constitutes a form of communication and should be ceased immediately. Failure to comply will be construed as XXXX. 

Please note the potential costs associated with litigation if you continue to engage in unlawful collection practices, including but not limited to harassment and failure to provide adequate proof of debt. The following itemized costs are provided for your consideration : - **Filing fees : ** {$400.00} - **Attorney fees : ** {$250.00} per hour - **Court costs : ** {$300.00} - **Damages for emotional distress : ** {$5000.00} - **Punitive damages : ** Up to {$10000.00} Please be aware that I reserve the right to take legal action, which may include seeking damages for harassment, emotional distress, and any other applicable claims. 

To avoid further action, I expect to receive the requested validation documents within 10 days of this notice. If you fail to provide the required documentation or continue any form of communication, including reporting to consumer credit reporting agencies, I will pursue all available legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Letter to Remove Inaccurate and Unverifiable Consumer Information To Whom It May Concern : I received a copy of my consumer report and found the following transactions to be in error. 
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 2. Erroneous account direct violation of 16 CF 444.4 Late Charges XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Erroneous Account Direct Violation of 16 CFR 313.6 - Information to be included in privacy notices. 
XXXX XXXX Account Number : XXXX Please remove account from my credit report. 
4. Erroneous Account Direct Violation of 16 CFR 313.9 - Delivering privacy and opt out notices. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Dates last active are inconsistent and inaccurate across CRAs XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Date of Birth : XX/XX/XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX IL XXXX 8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX 10. Credit Reporting Agencies are in violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
XXXX Account Number : XXXXXXXX  Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S. Code Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my consumer report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX DC XXXX date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT ABOVE IS A LIST OF INQUIRIES
Product: Debt collection

We were customers of XXXX and upon closing out our internet services we werent notified that we had a router that needed to be turned in. Instead a debt collector called us and told us we had a {$150.00} unpaid debt from XXXX. I immediately gathered the router and brought it to XXXX and received a receipt of proof that the issue was returned and taken care of. I emailed the copy of the receipt to XXXX XXXX XXXX on XX/XX/23 and still this debt is showing on our credit history, hurting our credit score. 

We need this removed. My family and I have since moved from Alaska to Arizona on military retirement orders and no longer have any ties to gci. I went to purchase a vehicle yesterday and this populated as a derogatory impact to our credit with should be resolved with no impact. We have never missed a payment and take great care of our credit. Please help me in resolving this. Thanks