23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XX/XX/2021 Cash Net USA XXXX XXXX XXXX XXXX XXXX, NH, XXXX Ref No : XXXX Dear Cash Net USA : This will serve as your legal notice pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692, to cease and desist all further communication with me in regard to the above referenced debt or debts. You are hereby instructed to cease collection efforts immediately or face legal sanctions under applicable Federal and State law.

If you fail to heed this notice, I will file a formal complaint against you with the Federal Trade Commission who is responsible for the enforcement of the FDCPA and the Missouri Attorney General. 

I have decided that I do not want to work with your collection agency or any other collection agency under any circumstances. I will contact the original creditor directly in order to resolve this matter. By sending this letter it is my intention to stop all your calls and collection activity from this day forth. 

I also reserve the right to file suit against you for any future violations of this law. I may use telephone recording devices to document any telephone conversations that we may have in the future if you fail to comply with this cease and desist letter. You are also notified that should any adverse information be placed against my credit reports as a result of this notice that appropriate actions will be taken. I intend to keep a log of any contacts you make with me after you receive this letter. 

Please give this very important matter the utmost attention. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

My wife and I have made attempts to contact the lender, First Investors Servicing Corporation, and when we have called, we have been left on hold for nearly 45 minutes and hung up on. We have also responded via email as we understood they may be bogged down from common concerns regarding Covid-19. The following is recorded from my telephone call log and the result of the incoming call from the lender First Investors. 

XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX answered phone call and spoke to gentleman and stated that we would be contacting the lender back. Gentleman acknowledged. 
XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( Voicemail left ) XX/XX/2020 - XXXX ( Voicemail left XXXX XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - My wife contacted First Investors only to wait an extended period of time and get hung up on. 

XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XXXX Email sent from my wife to First Investors that yielded no response.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : TBOM/ASPIRE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDNELNET XXXX DEPTEDNELNET XXXX DEPT OF EDUCATIONXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX 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 XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00}
Product: Mortgage

Affiliate mortgage services Inc. is my loan servicer. This is the second time in two years they have automatically withdrawn my mortgage payment twice in one week from my bank account thereby overdrawing my bank account and my savings account. This is not the first time this is happened. This is the second time they have double withdrawn my mortgage payment.
Product: Credit reporting or other personal consumer reports

I'm requesting your assistance to address remaining inaccuracies in my credit report attributed to fraudulent activities. Despite previous efforts, there are still entries that require removal in adherence to FCRA Section 605b. My preference is to resolve this matter without legal intervention, hence my appeal for compliance with applicable laws. I urge the elimination of the entries listed below, which I assert were established fraudulently, without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX =======TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Should these items be claimed as accurate and verifiable, I request copies of any documents bearing my signature linked to these accounts, which I believe do not exist. Lacking such evidence, I insist on the immediate deletion of these entries from my credit file. Note, a four-business-day window is provided to rectify these discrepancies as mandated by law. I oppose any automated verification processes, including E-OSCAR.
Product: Debt collection

Midwest Recovery Systems is reporting a collection to the credit bureaus that Ive never applied for or received. I have made several attempts to contact this agency in an attempt for verification, but to no avail. I have disputed this account with the credit bureaus, also requesting verification, but I have not been successful in my attempts through this course of action either. I have never been notified or received any notification of this debt or verification via signed contract and/or proof of deposit. I have never received a payday loan from XXXX XXXX XXXX XXXX or any other payday loan organization. This account does not belong to me and Midwest Recovery Systems can not validate this account as belonging to me. They have refused to properly notify me of this alleged account and refused to remove this account from my credit report. This account is fraudulent and the company appears to uphold and participate in fraudulent activity.
Product: Payday loan, title loan, personal loan, or advance loan

I am trying to pay off my loan with River Valley Loans and when I contact the customer service representative, they hang up on me. This happened after all three attempts .There is no online option for paying off the loan.
Product: Debt collection

am writing to formally file a complaint regarding an inaccurate negative item reported on my credit file by Equifax. I have reviewed my credit report and found a discrepancy that I believe has been mistakenly reported by the credit reporting agency. 

The specific item in question is listed as a negative entry
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a compalint with you regarding XXXX XXXX XXXX ( XXXX ). 
XXXX 's response : Company 's Response In their complaint, XXXX XXXX XXXX states his credit report reflects an account with XXXX XXXX XXXX ( XXXX ), but he has never had and account with XXXX. XXXX XXXX requests the account be removed from his credit report. While XXXX is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion as to XXXX reporting an account to the credit bureaus under XXXX XXXX name. XXXX has no record of XXXX XXXX having an account with XXXX nor was XXXX able to verify with XXXX, XXXX or TransUnion that they are reporting a XXXX account under XXXX XXXX name. Should XXXX XXXX have a copy of the actual credit report showing the XXXX account, he may provide it to XXXX who will reopen the investigation. XXXX XXXX may submit a copy of the credit report through the CFPB portal or he can mail a copy to XXXX at : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

I have attached a copy of my credit report which clearly shows the account is reporting. I have been dealing with this issue for two years and keep getting the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, On  X/XX/2017  I disputed an account reported by   XXXX   XXXX   XXXX   in the file you maintain under my Social Security number.
I was informed on   XXXX   that the item was deleted from my credit report.
Now I have discovered that the item has been reinserted on my credit report.
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
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I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the BBB.
Please govern yourself accordingly.
Product: Credit reporting or other personal consumer reports

I kindly request that you thoroughly validate these accounts, as I wish to ensure that I am not erroneously charged for any debts that do not belong to me. In order to avoid any misunderstandings or disputes, please provide me with concrete evidence and documentation that supports the existence and amount of these alleged debts. I appreciate your prompt attention to this matter, as I am eager to resolve any discrepancies and ensure the accuracy of my credit report. 

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 XXXXXXXX
Product: Debt collection

I began getting calls from PayPal in mid XX/XX/2021. These calls were actually being intercepted by my phone company XXXX 's robocall-blocking feature but I could see the Caller ID and number that was calling me. I called PayPal and was told that I had a balance due to Paypal of {$300.00}. I told them this account is fraudulent and they told me that this was being reported as fraud and would be referred for investigation. They told me that I did not owe PayPal anything. 
In early XXXX, I received nearly 20 calls over 4 days. I called PayPal again and was told that I still had a balance due to Paypal of {$300.00}. I subsequently found that someone had opened at least 2 accounts in my name, SSN, address and telephone number fraudulently. I also found out that there was a balance due on a second account of {$180.00}. 
When I contacted Paypal XX/XX/XXXX to report the fraud I wasn't even aware there was second account. I was told that the suspect account would be closed, that I am not responsible for the amount due and that their collection agencies would be made aware and would not contact me. 
On XX/XX/XXXX, I received an invoice from XXXX XXXX XXXX ( PayPal 's collection agency ) stating that I had a balance due of {$180.00}. When I followed up with PayPal on XX/XX/XXXX about this, I discovered this was the second fraudulent account under my name. PayPal, supposedly, will now close this account as fraudulent, too. 
PayPal will not or can not give me any information about when these accounts were opened. I do know that the email address used to open these accounts is not my actual email address. PayPal does not have record of my actual email address. Since email seems to be PayPal 's preferred ( perhaps only ) method of communication, I never knew about these accounts. 
I have asked PayPal to provide me a written confirmation of the actions they have taken, but their customer service representatives and a supervisor would not give me that information. The company is not taking my concerns seriously and believe that I should take appropriate actions under the law. It is very difficult to contact anyone with authority at PayPal. 
I was told that all a person needs to open a PayPal account is to provide an email address. Since I have a security alert on my credit reports, I know that PayPal does not seem to have tried to determine my credit rating. This is very poor business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that my credit score had dropped dramatically on XXXX XXXX so I got credit report and discovered that RSH & ASSOCIATES LLC had, posted a collection to my credit history report so I called XXXX to see what this was and I was informed by an employee named XXXX XXXX that this was my wife 's debt and that I was responsible for debt because we were married and I informed him that I had not signed for any of the services of XXXX XXXX XXXX XXXX XXXX XXXX and that I was not present the day services we rendered, he said that they were not going to remove. So I contacted XXXX and filed a dispute and called CFPB on X/XX/2017 and was informed that I was correct, that this collection agency can not attach this to my bureau just because I 'm married and that I needed to file a compliant to keep them from doing this again. I want this company to remove all collection reports that they have file against my credit history with any reporting agency or I might take legal action. Thank You!! XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ks. XXXX Ph. # XXXX Original Creditor XXXX XXXX XXXX or XXXX XXXX Mo. Dollar amount {$830.00} past due as of XXXX 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, OR NEAR XX/XX/XXXX, I WAS NOTIFY BY MY THE CREDIT REPORTING AGENCY THAT SOMENE WAS USING MY IDENITY FRAUDULENTLY .WHILE ON XXXX SOMEONE WAS GETTING UNEMPLOYMENT IN MY NAME ALL MY INFORMATION WAS COMPROMISED. I IMMEDIATLY CONTACTED EDD UNEMPLOYMENT OFFICE I STATED THAT MY ADDRESS NAME SS WAS BEING USED FRAUDULENTLY AND MY ISSUED XXXX BENEFIT CARD FROM BANK OF AMERICA WAS NOT WORKING / I CONTINUED TO WARN AND NOTIFY BOTH BANK OF AMERICA AND EDD XXXX MY INFO HAD BEEN COMPROMISED STOLEN, WHICH TAKE 60 DAYS FOR ANY ONE TO RESPOND. I WAS TOLD TO SENT ALL MY INFO IN TO VERIFY MY IDENITY WHICH I DID TO ALL AGENCIES INCLUDING SOCIAL SECURITY OFFICE .WITH NO RESPOND ON STATUS AFTER CALLING ALL THE AGENIES FOR 7 MONTHS STRAIGHT, WHICH I WAS TOLD SUPERVISOR WOULD CALL ME BACK WITHIN 48 HRS WHICH IT NEVER HAPPEN. ON OR NEAR XX/XX/XXXX I CALLED EDD UNEMPLOYMENT MY NAME WAS CLEARED BANK OF AMERICA WAS NOTIFY TO RELEASE THE HOLD ON MY BENEFIT CARD AND REPENISH ALL THE FRAUDULENT ACTIVITY BANK OF AMERICA HAS NOT FOLLOWED THE GUIDELINE AND STILL HASNT UNFROZEN NT BENEFIT OR NOR RELEASE MY MONEY I NEED HELP
Product: Payday loan, title loan, or personal loan

I submitted for a loan on XXXX/XXXX/XXXX and was approved for XXXX. My first payment was due on XXXX/XXXX/XXXX. My income is based on what I receive through XXXX. I had a medical emergency with a up front cost that I had only days to pay soI got the loan. Closer to due date, I sent an email and called to reschedule payoff through a debt consolidation loan through my bank and I would payoff the loan and be loan on my first and only payment. The day I tried to talk to them I was either on hold or hung up on twice. I didnt want them to send it through but got the run around and sent three times. I were charged with massive bank fees through them and the effects it had on other transactions. The bank closed my 5 year checking account now they have called me at least 30 times. If they would have tried to work with me I wouldnt be in this bad of shape. I am lookin for one payoff amount and be done. I will never get this again because with XXXX, you never know what you are going to get and it helps if the business is not CRAZY like these people,
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE Account Number XXXX Date OpenedXXXX StatusAccount charged off. {$410.00} written off. {$410.00} past due as of XX/XX/2022. 


in accordance with the Fair Credit Reporting act Capitol one acct. # XXXX has violated my rights. 

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
Product: Checking or savings account

On XX/XX/XXXX of XXXX  my husband went to Wells Fargo in XXXX Florida and tried to deposit money into my Wells Fargo account I had three posits of {$150.00} each and a mobile deposit one was put on hold the other two was put into my availability and was told me I was able to use it in my account not only did I do that but they did not allow my husband to put any kind of money into my account even though he had my authorization and my funds to do it. So I went back up there at the very next day and put in cash funds myself into the bank and the bank was still showing that there was {$300.00} available to me in my account before I put any money in there and XXXX was on standstill for verification. On XX/XX/XXXX the {$150.00} that was on hold was put thrown out and it was said it was bad check or whatnot. But the other dollars was still showing available in my account so I pay bills because I assumed it was the money that my husband was trying to put in there and that the bank screwed up. Well I had XXXX cents to the good in my account this morning last night and this morning I wake up and it my account states that I'm negative {$290.00} and something cents in my account which is XX/XX/XXXX of XXXX the money was put into my account on the XXXX of XXXX so my question is and what I attract kept trying to ask her was how could y'all put availability for {$300.00} into my account for 4 days 5 days and then all sudden take it out of my account I told her she needed to make it right and they need to put my account back into the positive because I have never been negative in their accounts and this is the second time in years that I've had issues with Wells Fargo in XXXX they refuse to do anything for me they kept saying that I had to pay it I have to pay it I can't afford to pay {$300.00} that was not my fault because they put it in my availability when they shouldn't have and I made sure that it was available for 5 days in a row now I am on XXXX I only received a certain amount of month limited money a month in my account and now that they did this I have already got a new bank account because they keep telling me into red flagging me at the end every month every month they're doing this and I'm always having to put some kind of money into their account into that account and I can't keep doing it I didn't have this issue when I lived in Alabama it's only until I moved back to XXXX so my account is still negative {$290.00} and something since because they've refused to even if it was a scam they have FDIC to replace that and there is an act that's supposed to replace that money too if it was fraudulent
Product: Credit reporting

Theres a creditor added to my credit XXXX and I dont recall having this account open t I had no loans other than my school loans. I believe someone else is using my information. I had not open any loans other than my school loans. Please get this resolve. I also have debts that are over 7 years that are still in my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX    XXXX   I faxed my police report identity theft report to Transunion because I am a victim of identity theft someone stole my personal information and opened up accounts in my name. I was told by the supervisor by the name of  XXXX  that once they receive my police report they would remove the fraudulent accounts as well as those inquires off of my credit report. Now the supervisor is telling me that they can only dispute the accounts and they are still on my credit report. I am being treated like I am the bad person and the reps were so rude like they do n't even care. Something needs to be done about Transunion tactics because I have been experiencing problems with them since this has happened to me.