23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Specialized Collections Systems. INC. is attempting to collect an alleged debt of {$17.00} After the alleged debt has already been paid in full to the original creditor XXXX XXXX XXXX on XX/XX/XXXX ( Receipt Attached ). I did not receive a letter from Specialized Collections Systems. INC. until XX/XX/XXXX nearly a week after the debt was paid to the original creditor. Their notice was sent to me after the original creditor was paid. A debt dispute letter was sent to Specialized Collections Systems. INC. via USPS certified mail ( attached ) on XX/XX/XXXX along with a copy of the Receipt showing the debt was paid in full. Disclaimer : This information does not show I agree to the validity of the alleged debt being claimed against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of a scam in XX/XX/XXXX, I did the police report and everything, my account was closed due to fraud, but my credit card was still open, I paid the remaining balance more than a month ago. I'm still not able to open a bank account.
Product: Credit card or prepaid card

I had a promotional balance that was due to expire on XX/XX/20. I called Care Credit prior to the expiration date and asked if I could defer the promotional balance and the interest on the promotional balance and was told by a Care Credit representative they did not deal with the promotional balance and I would have to contact my provider to deal with the interest on the promotional balance. 
I thought this was strange so I had the Care Credit representative repeat that I would have to contact my provider. I contacted my provider ( XXXX  ). They stated they had never heard of this and they could not deal with the interest on the promotional balance. 
I then called Care Credit again. I again asked the representative if they could help me by deferring the promotional balance and interest due to financial hardship. At this time I was told they would forgive the interest if I paid the promotional balance prior to its expiration date. This is what they would do anyway as the interest would not be charged unless I did not pay the promotional balance. 
Afterwards, I discovered Covid 19 assistance on the Care Credit website stating they were offering assistance with Promotional balances as a result of Covid 19. ( see below ) I was never offered this assistance and I feel Care Credit has been misleading in not fully explaining the Promotional balance procedure and not offering Covid 19 assistance. 

Financial hardship? We may be able to help. 
If Coronavirus ( COVID-19 ) has affected your financial situation, please contact us to discuss ways we can help including : Fee adjustments Deferred payments Extending an existing credit card promotion Reevaluating your credit limits Contact us to discuss options
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX. 
Company Inquiries XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

this is my complaint case number XXXX file on XX/XX/XXXX and jefferson capital system llc failed to provide what was requested. that wrote the cfpb back stated they send me a copy it was a lie and i can prove it i need a bona fide copy of our contract between me and jefferson capital statedthat i authorix=zed them to have my information and collect and debt
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX XXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information is not accurate, Account name : DEPT OF EDUCATIONED/XXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information is not accurate Account name : name : XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information is not accurate Account name : XXXX XXXX Account XXXX Investigate the completeness and accuracy of every piece of information is not accrate.
Product: Mortgage

SLS doesnt want to do anything they dont explain just say denyed how is that possible?????? 

I am including reports please pay attention its very croocial I want action about this froud SLS now before they take my home just like all the other home owners that lost their home buy SLS
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **VIA CERTIFIED MAIL & RETURN RECEIPT REQUESTED** To Whom It May Concern : This letter serves as formal notice under the **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) **, to **CEASE AND DESIST** all communication with me regarding the referenced account, effective immediately. 

**1. Demand to Cease Contact : ** You are hereby directed to **stop all communication** with me, my family, employer, or any third party in connection with this debt, except as permitted by law ( e.g., confirming cessation of efforts or notifying legal action ). 

**2. Legal Basis : ** - **FDCPA 805 ( c ) ** : Prohibits further contact after a written cease and desist request. 
- **State Laws** : [ Optional : Reference Ohios Consumer Sales Practices Act ( OCSPA ) XXXX if applicable. ] **3. Consequences of Non-Compliance : ** If you continue unlawful communication : - I will pursue **statutory damages up to {$1000.00} per FDCPA violation** ( 15 U.S.C. XXXX  ). 
- **TCPA violations** ( e.g., unwanted calls/texts ) may result in **up to {$1500.00} per violation**. 

**4. Required Actions : ** - Confirm in writing within **10 days** that all collection efforts have ceased. 
- **Cease credit bureau reporting** unless legally required. 

**5. Dispute of Debt Validity : ** This notice is not an admission of liability. I reserve all rights to dispute the debts validity under FDCPA 809. 

Send all legally required correspondence to my address above. Failure to comply will result in complaints to the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) **, and the **Ohio Attorney General** . 

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

Subject : Request for Immediate Deletion of Charged Off Account Pursuant to FCRA Law Dear Sir/Madam, I am writing to formally request the immediate deletion of the charged off account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605, Subsection ( b ), reporting of delinquent accounts must be timely and accurate. Upon reviewing my credit report, I noticed that this account is still being reported despite being charged off. 

XXXXAffirm Under FCRA Section 623, Subsection ( a ) ( 5 ) ( A ), it is mandated that information reported to credit bureaus must be accurate and not misleading in any manner. The continued reporting of a charged off account may misrepresent my current creditworthiness and financial standing to potential creditors and lenders. Furthermore, FCRA Section 611, Subsection ( a ) ( 5 ), grants consumers the right to dispute inaccurate information on their credit reports. As such, I am formally disputing the accuracy of this charged off account and requesting its immediate removal from my credit report. I kindly request that you investigate this matter promptly and provide written confirmation of the deletion of the charged off account from all major credit bureaus as per FCRA requirements. Please provide me with a copy of the updated credit report reflecting this deletion. Failure to comply with this request within the mandated timeframe may result in further action being taken in accordance with the FCRA. Thank you for your prompt attention to this matter. I look forward to your timely response. Thank you so much for your time.
Product: Mortgage

I simply wanted to speak to a customer service representative because I had some questions about the payoff quote. I tried every possible phone number to get a real person and everything in their automated system just keeps going in a circle. If you ask for a representative or agent, it asks you to provide a reason why you are calling and the circle starts all over again. It appears from what I'm seeing online as this is a common problem/tactic of this company to never let you speak to a real person.
Product: Debt collection

I 've been getting harassing phone calls at home and and work from an attorney office for a loan i had with XXXX XXXX. I told them to stop calling me on numerous occasions over the phone and I even sent them an email telling them to contact me by mail only. They are putting my job in jeopardy every time they call.
Product: Payday loan, title loan, or personal loan

On numerous occasions privacy laws were broken. World finance in XXXX tennessee called numerous family members threatening a warrant for my arrest if i didnt make a payment. Permission was never given for the company to tell anyone aboit my loan and to harrass ans threaten me over the phone.
Product: Credit card

Goldman Sachs Bank USA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attn : Credit Services Department To whom Liable I am writing in response to an adverse action that has occurred regarding my credit account. Although my credit was extended through a digital signature, I have not received the consideration or the credit card that was supposedly issued to me. This is a serious issue that needs immediate rectification. 

This letter serves as a **Qualified Written Request** under the Real Estate Settlement Procedures Act ( RESPA ) 12 U.S.C. 2605 ( XXXX ), Regulation X at XXXX XXXX. XXXX, and the Truth-In-Lending-Act ( TILA ) XXXX ( XXXX ), 15 U.S.C. 1601 et seq., and 15 U.S.C. 1692 et seq., and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. 

I request that you immediately open the credit card account that was extended to me via the digital signature. Failure to do so violates the contractual obligation that was made when my credit was extended. I demand that you either fulfill this obligation by providing the credit card and associated credit line or provide a detailed explanation as to why this has not occurred. 

Furthermore, under 15 U.S.C. 6802 of the XXXX XXXX, I request information on any nonpublic personal information that may have been shared with third parties in connection with this situation. 

In accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, I also request verification that no information related to identity theft has impacted this process. If such information is present, I request it be blocked and removed immediately. 

Under 44 U.S.C. 3507 of the Paperwork Reduction Act, I request confirmation that any information collection related to my application complies with the necessary approval and review process mandated by the XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ). Please provide the XXXX control number associated with any forms or procedures used during my application process, and confirm whether any information collected has been approved under this statute. 

Please address this matter with the urgency it deserves. I expect immediate action to open my account as initially agreed upon. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Violation of 15 USC 1681 B, permissible purposes. I never gave XXXX, XXXX or Experian written consent to report or keep reporting XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are reporting this account incorrectly as it does not show the correct high balance, limit, monthly payment, date of last active and date of last payment. I have disputed this account too many times but never did I receive any correction for this account. XXXX   has reported this account correctly.
Product: Debt collection

capital one XXXX [ 18 months never late ] 900 payments blocked v different name on s s a card XXXX XXXX XXXX [ XX/XX/2017 [ XXXX ] total 986 credit breach elder abuse s s a fraud my payment XXXX and XXXX and XXXX claim on file XXXX and XXXX and XXXX all claim on file document sent and still not corrected abuse by family. i am XXXX victim of abuse my di decreased each transfer i am discovering new tactics of fraud. please helping thank you. at present they have XXXX as being owe which is life insurance s s a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

these are Unauthorized Inquiry on my credit report from these lenders which I have no idea or memory of engaging and benefiting from their services! 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

Received threating calls, that Ace will persue legal and criminial charges against myself when I paid off a loan back in 2009. But do n't have receipt that proves I paid it off. End up paying them back XXXX so the charges will be drop.
Product: Debt collection

I received the attached communication from Resurgents Capital aka LVNV Funding dates XX/XX/2020 I then sent them a letter also attached asking for proof that this is my debt. You will see in the attached summary that they responded with there is nothing that proves this account was mine. I have contacted the original creditor on several occasions and they have no debt listed in my name.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there, I had spoke with Audi regarding this concern where Ive had auto pay set up and was never Deliquent on the account. 

I got only XXXX calls with no voicemails, no paper mail or any documentation and it said I was Deliquent when I was not? 

I have the payment of confirmation from chase when I had submitted the payment however Audi still said I was late and reflected on my credit report? 

Please, please can I have this issue resolved and fixed? I am crying over this and am so XXXX. I have never been late and this is unfair, I made my payment and am begging for this to be fixed. 

Also I am always facing an issue when logging in, I never can login nor do I get any paper mail?
Product: Money transfer, virtual currency, or money service

I am filing a complai against Cash App ( Block Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 progest a was unfair XXXX deceptive, as they ald nor 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 redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed the below complaint with Creditplus. " Creditplus has incorrect hard inquiries on my XXXX credit report. They are showing inquiries from XX/XX/16. Inquiries that I did not authorize I do not know what Creditplus is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it. '' The below is their response. I have not authorized Credit Plus or " XXXX XXXX to pull any of my credit information. '' CreditPlus is not taking responsibility for the reporting. I am re-opening this case with both Credit plus and XXXX XXXX and requesting the immediate removal of this fraudulent hard inquiry from my credit report. On XX/XX/2016, " XXXX XXXX '' pulled your credit report with the permissible purpose of securing a mortgage loan. If you did not authorize access to credit data ; please file a new case. A hard copy of this same information will be mailed to your postal address. Please contact our Consumer Disputes Specialists at XXXX or XXXX if you have any further questions/concerns. Sincerely, Credit Plus Inc.
Product: Checking or savings account

I have been trying to close my Bank of America account. I have been reducing my balance and I found recently that they were charging me {$25.00} a month for the account ( without notifying me ) so I transferred the balance to my new bank and kept a XXXX dollar balance. I have found that they are still charging me the {$25.00} and my account is now in overdraft. 

The reason I reduced the balance to XXXX  was because Bank of America was making it impossible for me to close the account completely. I went online to get an appointment with the branch. The app said that no appointments were available at the branch I use or other branches near me. I went into the branch physically and the teller told me that there were no bankers in the branch anymore and she could not help me close the account. 

I went on the app and tried to call Bank of America. I was told that they could not take calls. I tried to chat online but the wait times were very long and I kept getting booted off. 

Please help me close the account. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and gave out all my personal information. If I was n't in danger of identity theft before, I and 145 million other people are now.
Product: Checking or savings account

Hi there key bank is refusing to let me have a account there and they do a lot of lieing there also they said they did let the 3 party person know that I gave permission there but I never did and I know they is against the hippa law there
Product: Vehicle loan or lease

This is New Case since case # XXXX was prematurely closed before arrival of supporting documents ( now available as attachment on that case ) I try to upload same documents here but file is too big???? 
big for new claim? Ok for closed? 

This is my Original Complaint /Demand sent to XXXX  XX/XX/XXXX Their Action is Bias, Unfair and allegedly NOT LEGAL Based on??? 

Refusal of communication via email in this Era ( XXXX XXXX   ) with explanation -protecting sensitive data is MADE UP STORY! 


ORIGINAL COMPLAINT / DEMAND lease # XXXX ... XXXX Hi there, this is 3- rd part of e-mail tread with customer that want to take over lease of my car on XX/XX/XXXX. 

Since that day I was trying numerous times to start process but I was repeatedly told by your rep. XXXX that you guys stop doing transfers on XX/XX/XXXX due to COVID 19 situation. 

That is totally understandable if was case for EVERYONE, But is NOT! 

here are the last 8 digit VIN 's of some of the cars that transfer process started After my initial attempt and refusal on XX/XX/XXXX : XXXX XXXX XXXX XXXX AS WELL AS UNLISTED VIN OF THE XXXX XXXX  XXXX. UNDER SALE ID # XXXX on XXXX. 

3 of those above mentioned cars have listing date after XX/XX/XXXX so it was NOT possible to as you claim that " TRANSFER STARTED BEFORE XX/XX/XXXX "! 

I'm not going to speculate here of possible collusion between you and XXXX but 2 of my prospective buyers before Mr. XXXX miraculously, after initial interest expressed and transfer process started, got contacted by new car dealer and purchased new cars. 

But I'm sure that I'm not isolated case, there is 1300 + listings there ... .. 

I was continually told things that are not truth including but not limited to that '' DMV 's  are not processing registration '' ... ... ... .. 

We contacted DMV 's in California, Texas and Massachusetts and get information that in fact they do. 




Long story short : I lost customer because of your bias action! 

I lost {$5000.00} that customer was willing to pay! 

I lost {$500.00} XXXX XXXX gift card that customer was offering me as token of appreciation ( please read all email treads! ) and on the end instead paying only one more month ( XXXX XXXX-XXXX XXXX ) I now own you 3 deferred payments and continuous payments afterwards. 

If car was transferred to Massachusetts license plates -credit of at least 90 % off of {$950.00} ( paid before XX/XX/XXXX ) was to be refunded to me upon registration of the car in different state! 




I want you to pay me {$6400.00} in damages. 

3 deferred payments forgotten. 




All above mention is recorded and verifiable. 




Thank you, XXXX XXXX