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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Subject : Cease and Desist Demand Regarding Collection Activities To Whom It May Concern, This letter serves as a formal demand that your company immediately cease and desist all collection activities concerning the alleged debt associated with [ Account Number XXXX AND XXXX which you claim I owe. Your actions appear to be in violation of federal laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to 15 U.S.C. 1692c ( c ), I hereby revoke any and all permissions to contact me regarding this matter. Any further communication, other than as explicitly permitted by law ( such as providing written notice of termination of collection efforts or intent to pursue legal remedies ), will be considered a violation of federal law and subject to legal action.

Additionally, under 15 U.S.C. 1692e, debt collectors are prohibited from using false, deceptive, or misleading representations in connection with the collection of a debt. If you are reporting this debt to credit bureaus without proper validation, you may also be in violation of 15 U.S.C. 1681s-2 ( b ), which outlines your responsibilities regarding the reporting and verification of information to consumer reporting agencies.

If you believe this debt is valid, you are required under 15 U.S.C. 1692g ( b ) to provide me with proper validation, including the original creditors information, a breakdown of the alleged amount owed, and evidence that you have the legal right to collect this debt. Failure to do so will be taken as an acknowledgment that no such debt is legally enforceable. 

If you fail to comply with this cease and desist request, I will have no choice but to pursue all legal remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I may also seek legal action for damages under 15 U.S.C. 1692k, which allows for statutory damages up to {$1000.00} per violation. 

This letter serves as formal notice of my intent to enforce my rights under federal law. I expect your immediate compliance. Please confirm in writing that you have ceased collection activities and, if applicable, removed any negative reporting from my credit file. 

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

XXXX has sent me 12 letters in regards quote : TO PROTECT ME THE CONSUMER THEY CANT GRANT ME DISPUTE REQUEST TIL NI SEND THEM PROPER IDENTIFICATION there idiots and responses are frivilous I sent them Passport State ID and Copy Of My Bank Statement as well attached again with this XXXX Complaint since I have 22 open complaints against XXXX Experian XXXX at CFPB lack of responsabilitys to enforce I am asking all 22 open cases to be closed as I have exhausted myself with this waste of tax payers money agency CFPB and exerciscising my right with Attorney to represent me, attached is my last of many open complaints here AGAIN FOR THE RECORD PASSPORT STATE ID AND BANK STATEMENT ( XXXX JUST GOT ADDED TO THE LAWSUIT ) CFPB PLEASE BE ADVISED IAM GATHERING INFORMATION TO SEE IF I CAN ADD AS WELL you have closed and responded many and tagged it as duplicate THESE 3 CREDIT BUREUS AS WELL AS ME YOUR AGENCY IS A JOKE AND THESE 3 IN REGUARDS NO HOW TO MANIPULATE YOUR SYSTEM the attached is AGAIN proof that XXXX as well XXXX responses are not alone lyes but slapping you in the face stating they can do what ever there hart desires CFPB YOUR NOT AT ALL HERE TO PROTECT US YOUR JUST A MIDDLE PERSON PROVIDING PUBLIC INFORMATION were investigating if your even publishing this XXXX SEE ALL LIABLE IN COURT MARK MY WORD
Product: Credit card

Citi Bank credit card. 
on XX/XX/XXXX i made my regular payment ooline and noticed fraud purchases. Ireported the items and on XX/XX/XXXX citi bank took XXXX dollars out of my bank by phone. UN-AUTHORIZED. that money was not credited to my account until after i called them and told them it was unauthorized then they credited it to my account even though i did not want it to be. i am on social security and XXXX is more than XXXX of my check. my bank charged me overdraft fees for the bills i paid because i did not authorize citi bank to take the XXXX dollars. well i received a check for XXXX dollars and bank advised me not to cash it. i did not. then i received a check for XXXX dollars and did not cash that one either. citi bank said i owed the XXXX dollars as payment which i did not. ended up they lowered my credit limit before while all this is going on and then kept charging me over the limit fee because they changed my limit. So Citi took my money, XXXX lowered my credit limit causing me to be over the limit now charging me a huge amount of money, causing my bank to charge me over draft fees and not even investigating or showing anything about disputed items. but still charging me those outragous fees. I have a bad XXXX and all this stress has been causing me XXXX XXXX trying to talk to them to get them to fix this. they refused. Can you help me and can you reccomment a good attorney that will help me sue citi bank? it is now XXXX and they will not even listen to me about it. they send me a new card but i have not activated it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I want to report 3 accounts on my XXXX credit report that are and derogatory that do not belong to me and 2 on my Equifax that also do not belong to me as.I have been a victim of identity theft. I need to know why these are onn my credit report and why after sending 4 rounds of letters for dispute I have not receieved anything back from the bureaus I also opened an FTC for these accounts and yet they are still on my report. I will upload my ID. This is identity theft and I need this taken care of ASAP Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my money disappeared from my account i callled credit karma to see what was going on and they told me to file a dispute wait on the right department to email me with there resolution. As days went by i waited and called everyday. None of the representatives have helped me they only get my information make me wait on the phone for over 30 minutes until they tell me to just wait for an email. I asked can they tell me how did this happened they only tell me the right department will contact me. I expressed how I recently got put out my home and they still told me its nothing they can do but to escalate. Ive called over XXXX times and was told the sake thing. XXXX is next week and i still have yet to hear anything.
Product: Vehicle loan or lease

I requested paper monthly statement to be mailed to my home address from Bank of America in XXXX, and I checked my setting again in XXXX to make sure I will get paper statement. I have one credit card account and one loan account with Bank of America. I double check to make sure that my loan statement will be mailed out in my smartphones application, but I never received any bill statement from Bank of America.There is a bug from Bank of Americas application. If people have two accounts with Bank of America, and they set up both of accounts to be paperless, and then change one of account to be paper statement. It wont work. people will not get any paper statement from Bank of America unless they call the customer service. 
Bank of America closed my credit account right after they reported my 30 days late during Pandemic hardship. Even my credit card has {$0.00} balance. Thanks to that, I finally notice that I did not pay for the bill for 30 days. 
Bank of America reported my 30 days late corrected, but my 30 days late was caused mainly by Bank of Americas fault. I have contacted Bank of America a couple times, but Bank of America does no seem tot care about that, and they did not reply anything about their official applications bug.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted debt collection agency about an inaccurate collections reporting on my profile. XXXX. XXXX  customer service rep notified me that they could not locate any record of a debt under my name. It was also discovered that this company is not licensed to legally collet debt in the state of Texas  where the debt originated or in the state of Georgia  where I currently reside. I disputed with Experian over 30 days ago and account has yet to be deleted.
Product: Debt collection

THIRD TIME, READ, NO LONGER BEING PATIENT. YOU HAVE THE LAST FOUR OF MY SOCIAL SECURITY NUMBER. THE DEBT ALSO HAS THE LAST FOUR OF MY SOCIAL SECURITY NUMBER. YOU CAN VERIFY THE DEBT, YOU ARE BEING BLATANTLY XXXX, ABLEIST, IGNORANT, AND NON COMPLIANT. MY NAME WAS UPDATED OVER A YEAR AGO WITH THE IRS, DO YOUR JOB AND LOOK AT THE NUMBER TO MATCH THE DEBT, IF YOU ARE A REAL DEBT COLLECTOR AT ALL. FOLLOW THE LAW, STOP TRYING TO COLLECT FROM AND HARRASS A XXXX  XXXX SSI RECIPIENT. CEASE AND DESIST. I REPEAT, CEASE AND DESIST.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the following accounts and inquiries from my credit report, as I am a victim of a data breach. These accounts were opened fraudulently in my name, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these unauthorized accounts blocked and deleted from my credit file. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

IM COMPLAIN ON CAPITAL ONE BANK CREDIT CARD. THE DEBT COLLECTION TOLD ME ONCE I PAID WAS DEBT THEY WILL REMOVED IT FROM MY CREDIT REPORT. I RECENT LOOK AT MY CREDIT REPORT AND I SEE IT THEY ARE STILL REPORT. I NEED THIS ACCOUNT REMOVE OFF MY CREDIT REPORT. IT MESS UP MY LIFE. I TRYING TO PURCHASE ME A HOME CANT DO IT BECAUSE ALL THIS INACCURACY INFORMATION ON MY REPORT. THIS HAPPEN XXXX OF XXXX
Product: Credit card

I had someone use my account from another country. I disputed the charges Pay Pal did not finish it! I owe them nothing! They are harassing me! You can see the balance is under a XXXX dollars I paid the whole bill off XXXX dollars. I can not believe how they are doing this! XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these accounts because they are not mine I am kindly asking you to remove them from my profile. Its pure identity theft and I am lost because I do not know how to fix this bad reporting ... I do not want to see accounts that are not mine in my profile SO Please advice and suggest me how I can get rid of them. Thank you
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( 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 my account vulnerable and unprotected. Furthermore, their dispute resolution process 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 cased significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit file. I am a victim of a data breach, and these entries are fraudulent and unauthorized. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to have these items removed. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and someone fraudulently opened a credit card account with XXXX XXXX in my name. Account # XXXX opened in XX/XX/year> 2022
Product: Credit reporting or other personal consumer reports

Enerbank is reporting me 90 days late. XXXX and XXXX XXXX is not available so how is this accurate? XXXX is not due yet so how are they reporting me late for XXXX. This is not correct
Product: Debt collection

I have disputed this alleged debt with Midland Credit Management. I have no recollection of this alleged debt. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. These items include : 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

-- -- update to claim # XXXX -- -- - EXPERIAN has XXXX TO EXERCISE THEIR GRAVE DUTIES under the FCRA. They have been put on notice on XXXX and HAVE NOT ACTED ACCORDINGLY and removed the demanded accounts from my reputation. It has been more than 45 days and NOTHING has changed. EXPERIAN has not shown ANY REGARD AND RESPECT to I the consumer and to the CFPB and continue to act on their own free will and harm my reputation. I demand EXPERIAN to DELETE the requested information by following FCRA guidelines and taking more than 45 days to respond with anything!!!! EXPERIAN has caused me to lose faith in the banking system due to their negligence and disregard to XXXX XXXX and I the consumer.
Product: Debt collection

I got this added to my credit report. I haven't gotten a notice of what is owed or what it's for.
Product: Vehicle loan or lease

I co-signed a vehicle for my sons dad the car company that sold him the car knew the car was a bad car. The tires went out on the car a week after he got it and the loan that was taken out for the car was way too much. I was not physically there at the dealership with him to know that they allowed him to leave off their lot without having insurance on the car or how much the car actually was. If I was I would have never e-signed for the loan. Now the car is totaled and it is stating that there is insurance on the vehicle but he never put insurance on the car and neither did I. I have been asking the lender for information or to just take my name off of the loan because it is affecting my credit but no one is trying to help me. A lady I spoke with over the phone told me that someone from the dealership physically told her that he was going to get XXXX  on the vehicle when he got home but he has never had XXXX  ever in his life. I am looking for some help because I believe that there were some type of fraud that was done with the process of him speaking with the dealership and them helping him get plates and insurance for the vehicle that was never provided to the lender company for them to even get the okay to give out the loan. I have spoken to the owner of the dealership and she suspects it to be some type of foul play on their end as well. But she has still yet to contact us about whatever information she was suppose to be looking for or calling around to see what and why we still havent received any information about the license plate being bad or non-transferable after the accident.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information. I previously sent letters to TransUnion and these companies about their credit reporting not being right. None of these companies provided anything that I asked for to validate these accounts.
Product: Credit card or prepaid card

CAPITAL ONE UNEXPLAINED PURCHASE ADJUSTMENTS TOTALING {$610.00} 1 ) I purchased two wigs using Capital OneMastercard, one of which wasn't what I ordered at all. I called the company, XXXX, an houror less after I received them. XXXX kept giving me all kinds of XXXX about letting me returnthe wig over two or three days. XXXX kept " losing '' the photos I sent etc. So, I called Capital One. 
XXXX Capital One removed the charge of {$160.00} and change on XX/XX/XXXX XXXXand put the charge right back on my account on XX/XX/XXXX -- which I didn't notice for acouple of weeks. 
*** I called Capital One and got no where. Capital One claimed they werefollowing Mastercard Protocols. -- I had no idea Mastercard was like this. I've never had aproblem with a company engaging in fraud when I made a purchase through Visa. Never.Once I pay off Capital One, I'll never use Mastercard again. 
******************* When Irealized Capital One was cheating me in this way, helping fraudulent companies, I decidedto check my account more closely and found out Capital One did " Purchase Adjustment '' without notifying me this at least 3 other times. 
* * * * * * 1 ) XXXX XXXX issue was resolvedafter a complaint here, to the CFPB. Apparently XXXX XXXX told the truth when queriedabout why they charged my account. A correction was made. {$59.00}. 
* * * * *. 
2 ) I purchased an Infra red blanket that turned out to be a matt. It barely got warm at all and it was tooinflexible to use. I also paid for next day service and didn't get it. I tried to return the mattover and over, the website wasn't working. XXXX XXXX. Their phone wasn't workingeither. {$170.00}. 
I called Capital One, where they state they record the conversations. Thecustomer service rep at Capital One told me not to worry about sending the matt back -- -because I couldn't. One week later, unbeknownst to me, Capital One snuck the charge backonto my account on XX/XX/XXXX. ( I've send Capital One the apology e-mail fromXXXX XXXX via CFPB -- there's no way they didn't receive it. ) ************ 3 ) I paid for a group trip ininstallments, at the beginning of XXXX. The trip didn't take place because of COVID. Thecompany had to cancel the group trip. Capital One credit my account for 4 of the chargesbut then recharged me for one of the trip installments on my XX/XX/XXXX statement that'ssomehow dated XX/XX/XXXX for {$270.00} The only reason I know what it is -- is because of the amount. All it really says " PURCHASE ADJUSTMENT '' -- not connect to much of anything. Dear CFPB, This should an illegal business practice all by itself
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : CARNGTN MTG XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian to take off wrong address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to identity theft and they refuse to remove inaccurate information according to the fair credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed this account and after the account has been removed from my credit report die to no response from the creditor, Experian allows the creditor to continue to report the disputed item. This has happened multiple times. I have provided documentation, file countless other documents as proof for removal due to fraud. Experian will not PERMANENTLY remove this account and allow to remain removed.
Product: Credit reporting or other personal consumer reports

A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and an FTC report just like the bureau requested 2 months and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.