23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Here is your Cease and Desist Letter to stop debt collector harassment. You can customize it with your details. 

Cease and Desist Letter ( Use this to stop a debt collector from contacting you. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXX XXXX XXXX XX/XX/25 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Subject : Cease and Desist Letter Request to Stop Communication To Whom It May Concern, I am writing to formally request that you cease all communication with me regarding account number [ Your Account Number ], in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ).

From this point forward, you may only contact me to : Confirm that you will cease communication. 
Notify me of specific legal action you intend to take. 
Any further contact beyond these reasons will be considered a violation of my rights under the FDCPA. If you fail to comply, I will report your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 
This letter does not acknowledge any debt, nor does it grant permission to contact me in any other manner. Please confirm receipt of this request in writing. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. This account is fraud. Please delete it immediately. XXXX claims funds was dispersed into an bank account I NEVER owned. I have included my FTC Report and notified XXXX.
Product: Credit reporting or other personal consumer reports

EXPERIAN Violated The United States Code Law I'm annoyed that they have fused the information on my credit profile and that they have failed to keep up reasonable techniques in their exercises to ensure most limited possible precision in the credit reports they disseminate. Credit declaring laws ensure that offices report simply 100 % careful credit information.

15 U.S. Code 1681b - Permissible purposes of consumer reports.Pursuant to 15 usc 1611 { Experian } is criminally liable. This agency is in violation of 15 U.S.C. 1692G. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Did not consent to the unauthorized inquiry XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 Please Remove It From My Credit Report. 

Did not consent to the unauthorized inquiry XXXX XXXX  Date of Inquiry : XX/XX/2023 Please Remove It From My Credit Report. 

Did not consent to the unauthorized inquiry XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Did not consent to the unauthorized inquiry XXXX XXXX XXXX Date of Inquiry : XXXX XXXX, 2023 Did not consent to the unauthorized inquiry XXXX  Date of Inquiry : XXXX XXXX Did not consent to the unauthorized inquiry XXXX  Date of Inquiry : XXXX XXXX Did not consent to the unauthorized inquiry XXXXXXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Did not consent to the unauthorized inquiry XXXX Date of Inquiry : XXXX XXXX Did not consent to the unauthorized inquiry EXPERIAN XXXXXXXX XXXX Date of Inquiry : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute US BKPT CT TX XXXX XXXX  XXXX Account number XXXX on my credit report several times as inaccurate ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ) as not mine but the credit bureaus have verified that it is accurate. I mailed a letter to XXXX XXXX records office ( XX/XX/XXXX ) pertaining to US BKPT CT TX XXXX Account number XXXX where this occurred and they replied on XX/XX/XXXX stating that they do not send information to the credit bureaus. This is where I am confused because after reading the law the FCRA if the original creditor or institution can not verify the information then the credit bureaus reporting it have to delete it. I sent this into the credit bureaus as well along with the paperwork from the county record office and it seems like they are not doing ANY sort of investigation which they are required to
Product: Money transfer, virtual currency, or money service

I am filing 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 caused significant inconvenience and financial loss, and I seek appropriate i redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to collection company and would not provide any information of hospital. Also requested itemized letter and never receive even after agent stated would expedited but never received it. In accordance with the Fair Credit Reporting act. 
The account below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX XXXX XXXX account # XXXX under 15 USC 1681, 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 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: Debt collection

Stellar Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

Sunrise Credit Service original creditor is XXXX balance of {$170.00}. I paid it on XX/XX/year> and they said they will give me a deletion letter so I can purchase a home and they have not and said they will not. It's paid and its affecting me tremendously now. 


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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to file a formal dispute regarding violations of consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ), which have significantly impacted my financial well-being and emotional state. I am seeking your assistance in addressing these violations and ensuring that my legal rights are upheld. 

I have recently discovered several inaccuracies and questionable account information on my credit report, which have negatively affected my financial standing and peace of mind. The following creditors and accounts are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have diligently reviewed my credit report and identified multiple instances where these accounts are either inaccurately listed or not properly verified. These errors have not only affected my ability to secure favorable credit terms but have also taken a significant toll on my emotional well-being. 

To provide a personal context, let me share a distressing incident that exemplifies the repercussions of these inaccuracies. Last year, I applied for a mortgage to fulfill a lifelong dream of owning a home for my family. Despite having a stable financial history and diligently managing my obligations, the presence of these questionable accounts led to the denial of my mortgage application. This heartbreaking setback not only shattered my dream but also caused immense stress and XXXX for me and my family. 

I urge the Consumer Financial Protection Bureau to enforce the legal rights that safeguard consumers like me from unfair and inaccurate credit reporting. I implore you to intervene on my behalf and ensure that the following actions are taken : Investigate the violations of the FCRA committed by the mentioned creditors. 
Enforce the accurate reporting of my credit information in accordance with the FCRA provisions. 
Direct the creditors to remove the unverified and questionable accounts from my credit report. 
I trust that the Consumer Financial Protection Bureau will uphold its commitment to consumer rights and diligently address my concerns. Your intervention will not only rectify the financial harm I have endured but also provide a sense of justice and relief that my family and I desperately need. 

Thank you for your attention to this matter. I am eagerly awaiting your response and assistance in resolving these distressing issues. 

Sincerely, XXXX XXXX
Product: Checking or savings account

- Opened my Chase checking account on XX/XX/XXXX to receive a promotion going on at the time. Advertised {$300.00} for opening an account with Direct Deposit. 

XXXX XX/XX/XXXX I noticed the bonus hadn't posted yet so I called. They told me there was nothing they could do. My wife then called with me again later that same day, this time they told me they would open a case and call me back in 3 days. 4 days later no call, so I call them again on XX/XX/XXXX. They then tell me I need to go into a branch. 

-I go to a branch on XX/XX/XXXX they completely understood my situation and said they would call me back. 

XXXX XXXX the lady from the branch calls me and says there is nothing they can do even though I met the promotion qualifications because its past 21 days.
Product: Credit card or prepaid card

i had to go to an XXXX XXXX XXXX on XXXX XXXX 2017. while there, someone i rented a room from used one of my trusted devices to access my netspend debit card account, among other things, she blatently transferred {$200.00} from my account to her sister 's account. ( i checked from a payphone at the program ). After the phone inquiry, i opened a dispute. the company required me to send them an email ( not allowed in the program ) to get credited for the remainder of the investigation. Long story short. the company sent a letter with alot of transactions but not the main one in question and stated that there was no irregular usage of the card or account which was false as i had NEVER transfered any acount to account funds and that alone should have been a red flag. There is also the question of why wasnt that specific transaction shown in the original mail they sent ( they sent 2 to the program ). im finally out of the program now and did a follow up on the issue and appeal their decision. i got a response that i would get a reply in 48 hrs ... its been almost 2 weeks. 
its really troubling that i explained to the operator the situation about the XXXX XXXX in detail about response times i am allowed, follow ups, and lack of internet access. it seemed as the operator was just in a hurry to end the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a report through both XXXX  XXXX  and XXXX XXXX XXXX that a new hard inquiry had been reported on both my XXXX and Equifax credit reports. 

Both accounts show a hard inquiry from XXXX XXXX on XX/XX/2022 located at XXXX XXXX XXXX, XXXX, VA XXXX, Phone Number ( XXXX ) XXXX. 

I did not submit an application for credit with XXXX XXXX. XXXX XXXX was unable to verify any credit application using my social security number or cell phone number. XXXX XXXX refused to attempt to find an application using other personal data ( name, birth date, address ) that might have been compromised. 

My XXXX report reflects that : Within the past 90 days, companies that requested your report provided the following information. 

Name XXXX XXXX Requested On XX/XX/2022 Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX This is presumably the information that was provided to XXXX  XXXX in connection with the credit inquiry. However, the address does not match any of my record addresses, which should have alerted XXXX to the likely fraudulent nature of the inquiry. XXXX apparently nonetheless responded to the inquiry from XXXX XXXX. XXXX has refused to delete the inquiry from my account without a Letter of Deletion from XXXX XXXX, which has disclaimed any knowledge of the inquiry and refuses to further investigate or a police report. 

Equifax allow me to submit an online dispute regarding the inquiry but summarily dismissed the dispute with a statement that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' They similarly indicated that my only options were to pursue it with XXXX XXXX or obtain a fraud report. 

I also received a call purportedly from XXXX XXXX 's fraud department directing me to call in reference to a recent application ( XXXX ). This does not appear to be a legitimate call from XXXX XXXX, as this number is not referenced on any XXXX XXXX site.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX allowed XXXX to run a hard credit inquiry. 
I'm fairly sure you are only supposed to run credit if you process an application. 
They didnt even process our application, they can't even find it or account for it. 
They refuse to remove inquiry Instead of helping small businesses they're just hurting them. 
I'm no lawyer but I'm fairly sure it's illegal to not process applications and run hard inquiries on peoples credit all day.
Product: Credit reporting

Transunion applied a fraud alert on all of my credit files that i did not request. This has caused me to be denied for a credit card that i applied for. I did not request this i did not ask Transunion to add an alert to my files. I want this and the request from the other files to be removed immediatley.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mariner Finance is showing a collection debt of {$720.00} which is for an original creditor of Regency Finance Company. The original debt was covered by insurance and is no longer owed due to insurance claim filed because of permanent XXXX. Paperwork showing evidence of permanent XXXX has been provided to Regency Finance/Mariner Finance on numerous occasions and Regency Finance/Mariner Finance has advised that this account is closed and debt is no longer owed.
Product: Debt collection

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX. XXXX ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the multiple unsuccessful attempts I have made to rectify late open accounts associated with my financial profile. The persistence of these inaccuracies is causing significant inconvenience and distress. 

The late open accounts that have been inaccurately associated with my financial history are adversely affecting my creditworthiness and overall financial well-being. I first brought this matter to your institution 's attention, and since then, I have made several diligent attempts to have it resolved. Regrettably, my efforts have not led to any meaningful resolution. 

I initially submitted a request to correct these late open accounts, providing all the required documentation and evidence to demonstrate their inaccuracy. However, my dispute was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second request, reiterating the evidence that these late open accounts are indeed erroneous. To my dismay, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. Unfortunately, I have not received any communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not overstate the serious consequences these late open accounts have had on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive review of the late open accounts and, if found to be erroneous, their prompt removal from my financial records. Furthermore, I request written documentation confirming the correction of these inaccuracies and their impact on my credit score.

I also urge your organization to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to handle financial matters accurately and fairly. Please assist me to correct the following late open accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Received a refund in the form of a check for {$13.00} issued by Kohl 's for returned merchandise. Cashed check at my banking institution and later discovered that Kohl 's did not honored the check. It was returned and I was charged {$13.00} and {$10.00} service fee, totalling {$23.00}. I have tried contacting Kohl 's over the phone, in person, and email without any results. Check of {$13.00} was cashed approximately XX/XX/XXXX and returned on XX/XX/XXXX.
Product: Mortgage

I have been trying to make my monthly payments and the system is down as well as the website. I have tried call for several days now and I cant get through.
Product: Vehicle loan or lease

Account balance is XXXX should be showing XXXX with all credit reporting agencies please update all of them to reflect the XXXX balance thank you,,,,,,,,,,
Product: Payday loan, title loan, or personal loan

I asked for a XXXX XXXX dollars loan and I didn't know they send the money to my account and when the first payment is due two days  before I got the money. And not they are calling n email about I owe them XXXX now n try to sue for XXXX and I don know where all the come from. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent requests to both Nelnet and XXXX for the original instrument of indebtedness to prove I owe over {$10000.00} in student loan debt. It has been over 30 days and I have not received it. I have called XXXX to have the debt removed and they have refused and can not tell me what information they have been given to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$920.00} from consumer XXXX co Experian and XXXX and XXXX continue to report negative fradulent information on my credit report. They are in violation of the FCRA
Product: Debt collection

EOS CCA has called my work extension roughly XXXX starting at XXXX and typically again at XXXX via robocall. When I called back they would not disclose type of debt or whose debt, simply stated that I owed a debt based on the phone number ... .I have asked them to remove this number from their autocall as it is a new work extension but I continue to receive robocalls. EOS CCA 's number is XXXX
Product: Debt collection

XXXX XXXX of XXXX NC financed my vehicle. My payment date is the XXXX of the month. You have 10 days to pay before a late fee is applied. I normally pay them with my 2nd paycheck before the late fee is applied. I am not behind on any payments. I am up-to-date & current w my payments. I work 8-5 Monday-Friday & i am not able to answer my phone. My voicemail states my availability. This company calls repeatedly. They leave messages but before I can respond they start to call me from unknown numbers & then they text. I become so frustrated and stressed that it deters me from responding bc by then my mental state is off from the constant random text messages and phone calls from unknown numbers. Just like many people i dont usually answer calls from unknown numbers. This company doesn't give you enough time before they begin to harass you. I have had this issue with them in the past and asked them not to text my phone. If they check my records of payments it's evident that I pay around the same time each month. This company harasses u and threatens to repo your vehicle before your 10 day penalty even comes. What can I do in this case?
Product: Credit card or prepaid card

My XXXX 's credit card was stolen, compromised and used to make fraudulent charges on XX/XX/21 in the amount of {$1100.00}.
Product: Checking or savings account

Wise bank blocking my accout and all my money I dont know where is going i need my account back and my money back
Product: Debt collection

A collection for {$70.00} to XXXX XXXX XXXX hit my XXXX account XX/XX/21. Franklin Collections initiated the collection. I emailed them a verification directly from XXXX XXXX XXXX showing the charge -- exactly {$70.00} -- was paid fully and on time.. 

This has been emailed and ignored by Franklin multiple times since then.. On XX/XX/21, I received a letter from them dated XXXX that they were continuing with their collections effort. 

Based on the almost 200 negative complaints on the XXXX  website, this is a common practice at Franklin Collections. They make a false claim and try to bulldoze it through smaill claims court as a bad debt..