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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX Subject : Cease and Desist Notice Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) To Whom It XXXX Concern, This letter serves as a formal notice to Credit Control , LLC to immediately cease and desist all collection activities and any further reporting of inaccurate information regarding the alleged debt associated with me. 

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I hereby demand that you cease all communication with me, my family, my employer, or any third parties regarding this matter. Any further attempts to collect this disputed debt or to contact me in any formwhether by phone, mail, or electronic meanswill be considered a direct violation of my rights under federal law.

Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), you are required to report only accurate and verifiable information to the credit reporting agencies. If you continue reporting erroneous, unverifiable, or fraudulent information, you will be in violation of the FCRA. I demand that you : 1. Immediately delete any inaccurate, misleading, or unverifiable information you have reported to the credit bureaus.

2. Provide validation of the alleged debt, including a full account history, itemization, and evidence of my contractual obligation to pay.

3. Cease all collection efforts, as this alleged debt has been disputed and may be associated with identity theft. 

Failure to comply with my request will leave me with no choice but to pursue all available legal remedies, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office, as well as seeking legal action for damages under the FDCPA and FCRA. 

This letter serves as legal notice. Any further unauthorized collection attempts or continued reporting of unverified information will be considered willful noncompliance, subjecting your company to statutory damages, attorneys fees, and additional relief as permitted by law. 

You have 30 days from receipt of this letter to comply. Failure to do so will result in further action. 

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

The original creditor was XXXX XXXXl original Account : # XXXX File # XXXX Balance : {$630.00} Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
They say the debt originated XX/XX/XXXX and charged off XX/XX/XXXX in the amount of {$630.00} The address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is not mine. My address is XXXX XXXX XXXX XXXX XXXX XXXX. The copy of the document that I received from XXXX XXXX XXXX XXXX XXXX XXXX was a XXXX document and it is not my Signature I want an original copy of the documents, and I would like to know how the company completed the investigation.
Product: Credit reporting

Regarding XXXX XXXX XXXX Credit Card : I have been trying to receive information regarding this negative information on all XXXX credit reports for 6 months. I have filed disputes and the agencies respond as the information is correct. XXXX XXXX has been reporting sporadically over the past 18 months.It has been either an " OK '', no reporting at all or " PD ''. I have not had this card for XXXX years!. I had written XXXX letters to XXXX XXXX and received the same response. Call a number. I call the number and they tell me they no longer have access to this account! If they no longer have access, how is it being reported? They give me another number for XXXX XXXX. I call that number and the system asks if I am tracking an order???? They give me another number, no one ever answers, I leave a message and do not receive a return call. 
I called Experian directly. Explained this to the representative. She asked me to hold and she would call XXXX XXXX herself. After five minutes I got transferred to the same number I called for XXXX and am asked to leave a message!! The Experian Rep never came back on the phone. 
No one can tell me who is reporting this account to the agencies, why it is being reporting as " OK '' when I have no activity, why months go by with no reporting, and now it shows as " Derogatory '' and I ca n't find these people to find out if I owe them money, and if I do where do I send it. Also, at this point, if I do owe any monies, I would not trust the company to pay them and then delete it off of my credit reports. I am receiving the same responses from XXXX and XXXX. 
Two years have gone now since I have repairing my credit. I have completed everything that all agencies, credit companies and financial institutions have asked, and my score has gone down! I am unable to secure loans, a mortgage or credit cards. I am a XXXX XXXX XXXX male who has lived by the rules and that has not helped as I can not work any longer. 
You may contact me for any additional information you may need to complete this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2700.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$620.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX XXXX  - Past Due XX/XX/year> XXXX Transunion XXXX XXXX Never XXXX XXXX XXXX XXXX - Never received XXXX XXXX XXXXXXXX XXXX XXXX  - Never received any correspondences XXXX XXXX XXXX XXXX - Never received any correspondences
Product: Money transfer, virtual currency, or money service

I called XXXX on XX/XX/XXXX and reported about the scam wire transfer. XXXX sent a swift message on XX/XX/XXXX to Wells Fargo and Wells Fargo responded they received the swift message on XX/XX/XXXX. Wells Fargo also requested for Hold Harmless letter to which XXXX has provided. Today, XX/XX/XXXX, I called XXXX and they said the beneficiary account has been closed and the money on Wells Fargo has been depleted. I believe Wells Fargo was negligent and did not freeze the funds as soon as they received the swift transfer, and instead released my money to the scammers. There are a total of {$40000.00} that Wells Fargo need to return back to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan ( serviced by XXXX XXXX ) is INACCURATELY reporting as late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My loan was in FORBEARANCE during that entire time period so it should be marked on time. I have tried to resolve this issue with Equifax on several occasions, filing a direct dispute with them. The last one being in XX/XX/XXXX. Equifax stated in their response to my dispute that the payment history was 'verified '' .. I am unsure how this is possible since I also provided them with my payment history showing the account was in FORBEARANCE during that time frame. I have also attached my payment history showing this again. I believe Equifax is not actually doing an investigation and just running it through their XXXX system. It is my understanding that a credit reporting agency not correcting an inaccuracy after being provided PROOF of the inaccuracy is illegal and a violation under the FCRA. It is also my understanding that Congress decided the burden of proof falls back to the CRA and they must provide documentation to the consumer for what they are reporting. I received no such documentation. Provide me with a new credit report showing my payment chart for XXXX XXXX marked on time, with ZERO late payments. This should happen quickly since I have provided you proof of what I am saying. Or provide me with documentation as to how you are verifying this information, as REQUIRED my law, so I can do my own investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, The list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c. 1681 Account name XXXX XXXX XXXX XXXX  Account number # XXXX Account name XXXX XXXX XXXX Account number # XXXX Account name # XXXX XXXX XXXX Account number # XXXX  XXXX Account name # XXXX XXXX XXXX  Account number # XXXX  XXXX Has violated my rights. 
15 u.s.c. 1681 section 602 ( A ). state I have the right to privacy.

15 u.s.c. 1681 section 604 ( A ) 2 : IT also state a consumer reporting agency can not furnish a account with out my written instructions..

15 u.s.c. 1681 C. ( A ) ( 5 ) Section State no consumer reporting agency may make any consumer report containing. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities, with fairness. Impartiality, and respect for consumer right to privacy.
Product: Mortgage

XXXX is serviced by Midland Mortgage, i asked for a forebeareance under the CARES Act in late XXXX. sent them paper. the had no response but in process, then told me in XXXX that they turned it down on XXXX XXXX. they claim that XXXX is my Lender. according to public records the loan was sold and securitized, i believe by XXXX XXXX. i am now in default with a special servicer, they claim they are not a GSE and therefore no Cares act. 
the law says any involment with Govt. even with securitized is eligible for cares act forebearance. by my states mandates i cant pursue actions against tenants and cant even put demand letters .totally unfair that XXXX  , midland mortgage., owned by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX pass through certificates facilitator thru XXXX XXXX all get Government Welfare and the consumer doesnt
Product: Credit reporting or other personal consumer reports

Requested a copy of my consumer file. Proof of my identity was sent along with utility bill. Did not receive my consumer file.
Product: Mortgage

Straight flat-out blatantly discriminated against by XXXX, and it's XXXX employee senior underwriter ( XXXX ). Systemic institutional XXXX, and XXXX inequality business practices reared it's ugly head with blatant lies, bait, and switch misrepresentation taking place in the underwriting of my application process. The XXXX discrimination being performed by XXXX senior underwriter ( XXXX ), and her team members despite me being XXXX American, and having successfully concluded their document underwriting process, and paying in advance for the XXXX XXXX company only for XXXX discriminatory inequality business practices to rear it's ugly head, because I requested that I be assigned an more experienced qualified XXXX due to the age, and type of property that I have... which is my right as a consumer seeing that I paid the appraisal payment directly to the management company. Throughout the WHOLE document underwriting process i was being unprofessionally interacted with by ( XXXX ) the underwriter to include lies, bait, and switch misrepresentation in policy, and procedure... being contacted with phone calls from her from several different XXXX XXXX  phone numbers, and etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : REFERENCE # XXXX In response to the Validation of Debt of Account # XXXX dated XXXX XXXX. 

Be advise that after a review of the documents that were sent it has been determined that Spring Oaks Capital LLC is in possession of my Non-Public Personal Information without my consent ( See Attached ). which violates ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ) Drivers License Bank Account Info Pay Stubs Tax Info Spring Oaks Capital LLC is a Non-Affiliated Third Party. 

Spring Oaks Capital is using false, deceptive, or misleading representation or means in connection with the collection of this alleged debt. ( 15 U.S. Code 1692e - False or misleading representations ) Spring Oaks Capital is using false representations and deceptive means to attempt to collect this alleged debt. ( 15 U.S. Code 1692e ( 10 ) ) which states " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' Furthermore, there is no competent evidence that I have a legal obligation of this alleged debt. Additionally, Spring Oaks Capital LLC has not provided the required documents to prove that Spring Oaks Capital has the LEGAL right to collect and furnish this alleged debt. 

In the Validation letter that was sent to Spring Oaks Capital LLC the response was missing answers and/or documents to prove this allegation. The following questions and or requested documents were not answered or provided per my Validation Request ( See Attached ) 2. Agreement with your client that grants SPRING OAKS CAPITAL LLC the authority to collect this alleged debt. 

3. Signed agreement Debtor has made with SPRING OAKS CAPITAL LLC or other verifiable proof Debtor has a contractual obligation to pay SPRING OAKS CAPITAL LLC. Any agreement that bears the signature of Debtor, wherein agreed to pay SPRING OAKS CAPITAL LLC. 

7. Please provide the name and address of the bonding agent for SPRING OAKS CAPITAL LLC in case legal action becomes necessary : Authorized Signature of Creditor : ______________________ In my Validation letter you were put on notice that your Claim WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents pursuant to the Fair Debt Collection Act 12 CFR Part 1006.34 Your office has failed to properly respond to a validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report, and a copy of such deletion request shall be sent to me immediately. 

Regards, XXXX XXXX XXXX : Consumer Finance Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit inquiries are unauthorized and need to be removed from my credit report
Product: Checking or savings account

Some one with access to my account is manipulating my account, funds available, reversing purchases etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized credit inquires on my personal credit report. 

I contacted have contacted each company that did the inquiry and they all told me to contact the credit bureaus and do an investigation. I contacted Equifax and they told me to contact the company that did the inquiry. Both sides are telling me to contact the other and doing no actual investigation themselves at all. 

I would like to request that Equifax initiates an investigation into these inquiries to determine who authorized them inquiry. If, once their investigation is complete, they find my allegation to be true, I ask them to please remove the inquiries. 

The inquiries are as follows XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XXXX XXXX, 2019 XXXX XXXX XXXX Inquiry from XXXX  XXXX, 2019 XXXX - XXXX XXXX   Inquiry from XXXX XXXX, 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction regarding the persistent presence of fraudulent account on my credit report. Upon reporting the case of identity theft, I promptly contacted the company associated with this fraudulent account. While they acknowledged the validity of the report, they expressed their inability to provide records. Nevertheless, they assured me that the fraudulent account would be promptly removed upon submission of the required FTC report. 

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

I was involved in the Transunion glitch where they deleted inquiries on my report then reinserted them without giving me a five day notice I have yet to receive a notification. After a long phone call to Transunion that included an argument with two different representatives one claiming to be the manager they told me that I wasnt a victim and would not remove the inquiries from me report. There are 15 in total!! 
XXXX XXXX ( XXXX ) *XXXX XXXX ( XXXX ) *XXXX card ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX   ( XX/XX/XXXX )!! 
I didnt authorize these and I would like them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has placed information onto my credit report that isnt correct They can not provide information to prove ownership of debt.
Product: Credit reporting or other personal consumer reports

XXXX LOANMART Account info Account name XXXX LOANMART Account number XXXX Account type XXXX XXXX Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$870.00} written off. {$10.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$3000.00} Highest balance - Terms XXXX Months On record until XXXX XXXX XXXX
Product: Debt collection

I have opened a complaint against Portfolio Recovery associates for not validating a debt after I requested. 
Today I logged on to look at my credit report and it shows that I have made payments to the same supposed XXXX XXXX  account. I have downloaded and printed 3 years worth of bank statements and do not show any payment history to XXXX nor Portfolio Recovery. The only reason that there would be false payments to the account is to illegally re age the account. These are two violations of Fair Debt Collection Practices Act on the same account.
Product: Credit reporting

i went to get an auto loan they ran my information and my social came back as deceased. i have called all XXXX credit agencies and cant get an answer from anyone.
Product: Mortgage

Hello - The company servicing my mortgage ( collecting payments ), Select Portfolio Servicing ( SPS ), owes me over {$11000.00} due to significantly overcharging me in insurance costs ( they even stated this in writing to me - that they overcharged me by this huge amount. However, every time I call them, they keep saying the check is coming. They have been saying this since XXXX. It is now XXXX. You can see many other consumers have the same complaint, as well as many other complaints of fraud, with a quick XXXX search ( eg on XXXX, XXXX, etc ). 

I have attached the only relevant document here- in which they explicitly state they owe me over {$11000.00} due to overcharging me, yet they continue to fail to pay me this money I am owed.