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

Ive recently checked my credit report and notice inaccurate information. 

Subject : Cease and Desist Unauthorized Collection Activities and Removal from Credit Report Dear XXXX XXXX XXXX, I am writing to express my deep concern and dissatisfaction regarding your recent actions in accessing my non-personal information without consent and attempting to coerce me into paying a debt for which I am not obligated. Your actions not only breach my privacy but may also constitute a violation of identity fraud laws. It has come to my attention that XXXX XXXX XXXX has added an account to my credit report without my authorization. I must emphasize that even in the case of permissible purpose, the consent of the consumer is required, which, in this instance, I have not granted. This egregious breach of privacy demands immediate correction by removing XXXX XXXX XXXX from my credit report. Moreover, I am alarmed by the fact that your company has contacted me without obtaining the necessary consent to do so. I want to make it unequivocally clear that I do not wish to engage in any business dealings with XXXX XXXX XXXX, and I am under no legal obligation to do so. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c : - Contacting me without my consent is a breach of the FDCPA. I demand that XXXX XXXX XXXX cease and desist all unauthorized collection activities immediately, remove the inaccurate information from my credit report, and confirm this action in writing within 15 days of receiving this letter. Failure to comply with these demands will leave me with no choice but to pursue legal remedies available to me under both state and federal law. I expect your prompt attention to this matter.
Product: Credit card or prepaid card

Ii closed my account because I was charged a late fee a few days after making the payment, online. When paying online I could not pay until " the next business day '' which was one day after due date. I am now being charged a late fee on, only a late fee. That is all that is on my account. I have always paid it in full when I have a balance. All I wanted originally is for that late fee to be waived. Yall couldn't do it so I closed my account. Now I will be charged a {$30.00} late fee every month until I pay. Unreal! I will be cancelling all of my account through Comenity Bank going forward.
Product: Debt collection

There was an account opened at XXXX XXXX. I had asked for verification of the said account, and none was provided. Then a response from XXXX XXXX States that they no longer have this account, and it was turned over to Portfolio Recovery Ass. on XX/XX/2018. I have no knowledge of this Account in question. I tried to resolve this with Portfolio Recovery Ass..
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$2200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report I noticed that your agency have an inquiry on there from XXXX XXXX XXXX on XX/XX/2019. This is an unauthorized inquiry and I did not authorize or gave consent to this company. I do not have an account with XXXX XXXX XXXX neither have I signed or have any recollection of signing any documents with this company. This need to be investigated to show how this company got accessed to my file without y knowledge or consent.
Product: Credit card or prepaid card

My avant card was stolen and used in another state. When I became aware of this I reported the fraud to avant and opened billing disputes on the fraudulent charges. avant closed the stolen card and sent a new one. avant requested a follow up call with me in which I responded as requested and provided the information I had at the time. I was credited a security credit but in retaliation for filing a dispute avant reduced my credit limit from XXXX to XXXX under the guise of an account revaluation. I know this to be true as the only thing that had changed with my credit profile at the time was the dispute - as a matter of fact my credit score actually increased between the time I was approved for the card and when my limit was lowered. Now to make matters worse I have been recharged for the fraudulent charges. So avant not only lowered my limit in a retaliatory fashion but is now also holding me responsible for fraudulent charges made to my account. avant has not communicated with me voluntarily as is their regulatory duty and avant has violated my rights in numerous ways under the Fair Credit Billing Act. Avant does not care about their customers, customer rights, or investigating in good faith. 
On XX/XX/30 tge investigation team reached out and asked I file a police report. I returned the report tge same day. Have not heard anything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND XXXX XXXXXXXX XXXX XXXX XXXX to a willing person, it is not a wrong XXXX XXXX XXXXXXXX XXXX company this is a written request for you to cease and desist all forms communication with me effective immediately.

12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 


Furthermore you have no jurisdiction or authority to collect on this allege debt. 

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You XXXXXXXX XXXX XXXXXXXX XXXX knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXX XXXX XXXX XXXXXXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Product: Debt collection

Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX Date Assigned XXXX XXXXXXXX XXXX  Original Amount Owed {$7600.00} Amount {$7600.00} Status Date XXXX XXXX XXXX Status UNPAID Balance Date XXXX XXXX XXXX  Account Designator Code XXXX  Account Number # # # # # # # # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/scrub>XXXX XXXX XXXX  Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX I was never contracted with this company or bind it. This needs to be removed, deleted and updated on Credit report.
Product: Mortgage

I am reaching out to Consumer Financial Protecttion Bureau regarding an issue with my Escrow Account through Loancare. 

I contacted them by e-mail on XX/XX/XXXX @ XXXX XXXX Below is the e-mail sent to the company : Good afternoon, I am reaching out to LoanCare regarding our Escrow Shortage. 

I received an escrow statement informing myself and my husband that we acquired an escrow shortage. The year prior we did not incur an escrow shortage. That figure should have been in place to ensure that the escrow account acquired proper funding to pay all necessary mortgage fees. The escrow amount was altered the beginning of XXXX which resulted in a shortage of funds. I confided in LoanCare to calculate escrow to cover all expenses to include MPI, city and county taxes, as well as Home Owners Insurance. LoanCare has failed to calculate the escrow accordingly. I feel I should not be penalized for a mistake LoanCare made. 

I refuse to make a payment on the escrow shortage until I receive an explanation as to why there was a deficit on our escrow account. Additionally, the shortage that appeared on the statement was incorrect as well. 

The breakdown of the costs which our escrow account pays are as follows : XXXX Home Owner 's Insurance XXXX City Tax XXXX County Tax XXXX MPI Total : {$3000.00} The total amount of contributions to our escrow account for 12 months is : XXXX ( year XXXX ) {$2800.00} Shortage of escrow ( XXXX ) : {$230.00} The new escrow amount of {$250.00} ( year XXXX ) will result in yet again, another shortage for the upcoming year. 

Please explain what method was used to result in the {$330.00} figure that is referenced to our escrow shortage. 

As of today 's date, I have never received a response. I attempted to contact them by phone, only to receive a message of " If this is normal business hours, we apologize for the inconvenience. '' Shortly after, there was a disconnect. 

I would like to discuss my Escrow account as the Escrow Loancare is stating is due is not the correct amount. 

The year prior, our escrow amount covered all disbursements. However, after lowering the escrow payment, we now are forced to pay a shortage. 

In addition, Loancare disabled our online account due to being in Bankruptcy. With that being said, they allowed us to pay our mortgage online for 4 years of bankruptcy, after than point they realized that we were not allowed to pay our mortgage online since we are in bankruptcy. I find this rather concerning that after 4 years they finally noticed the error. 

I would like a response from Loancare regarding the discrepancy in our Escrow Shortage. 

Thank you for your time. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Resurgent Receivables LLC, or to whom it may concern, in my previous CFPB complaint, you mentioned you are licensed, but you never directly answered my question? You answered my question in a deceptive way, CFPB investigate their response. However, I, XXXX XXXX, a natural person, consumer, demands the mentioned documentation below from Resurgent Receivables LLC, also CFPB investigate their response to this complaint, because I believe this company are performing deceptive business practices. Again, the information I demand is below, best regards. 

A COPY OF THE BILL OF ASSIGNMENT. 

RESURGENT RECEIVABLES LLC LICENSE NUMBER TO PRACTICE IN THE STATE OF XXXX  & XXXX AGENT. 

A COPY OR WRITTEN PROOF OF A CONTRACT BETWEEN THE TWO US. 

PROVIDE A COPY OF WHEN DID I, XXXX XXXX, GIVE RESURGENT RECEIVABLES LLC THE PERMISSION AND WRITTEN INSTRUCTIONS TO FURNISH ON MY CREDIT REPORT PURSUANT TO 15USC 1681b ( a ) ( 2 ). 

HOW DID RESURGENT RECEIVABLES LLC CALCULATED THE ALLEGED DEBT AND WHERE DID YOU THOSE NUMBERS FROM? 

HOW DID THEY IDENTIFY THE CREDITOR WHO GAVE RESURGENT RECEIVABLES LLC PERMISSION TO VIOLATE MY RIGHT ( S ) TO PRIVACY SINCE THEY ARE A THIRD PARTY?

15 U.S. Code 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Failure to comply, will result in violation ( s ) and fines. 


Best regards. 

XXXX : XXXX [ XXXX ] Without prejudice, all natural rights reserved.
Product: Money transfer, virtual currency, or money service

My cash tag is XXXX XXXXXXXX So I deleted my debit card on cash app and someone sent me {$120.00} and then my account got closed so I tried to withdraw the money and it said that I couldn't add any new cards and then Cash out wrote me and said that I would have to use the same card ending in XXXX that I just deleted the problem with that is is that I lost that card so I have a new car with a new number but they're saying that I can't add any new cards Now the problem is they won't give me any options to get my money they are making it impossible for me to get my money
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Consumer Finance Protection Bureau Dear Bureau, My name is XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, SC XXXX. XXXX XXXX : XXXX. Email : XXXX. 

Chase XXXX XXXX committed illegal acts against me. 

They did not send me a bill in XX/XX/XXXX or XX/XX/XXXX. I only had about {$90.00} outstanding. When I did not pay, because I had no bill, they reported me to all three credit agencies. This destroyed my credit rating. I called them. They checked and admitted that they were at fault. They reversed all of my late charges. But my credit rating is gone. 
They said they were sorry. But that does not fix my credit rating. 
What they did was criminal. Prosecute them. 
By the way, I have a top-secret Air Force medal directly from the Commander and Chief of the Pacific in XXXX. I changed XXXX 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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Debt collection

Back in XXXX I reported XXXX XXXX XXXX XXXX  to CFPB in regards of a Collection account in my credit file. The company responded asking for a Lease for the year of XXXX. I provided the information requested, now this company is asking for more information. This collection agency not only, is co messing around for years with my credit but now that I complied with their requirements to investigate this Fraud account, they trying to prolong this matter, requesting more documentation. This company knows its not my account but they still reporting this information as accurately. The Fair Credit Consumer Association should investigate this fraudulent collection agency..
Product: Student loan

I have XXXX FFEL Stafford Subsidized Loans in default. Both loans were for {$5500.00} and I owe {$3200.00} on XXXX ( {$88.00} outstanding interest ) and {$3200.00} on the XXXX ( {$100.00} outstanding interest ). I could only find out this information on the federal student loan website. XXXX apparently owned both loans at some point, but they show XXXX loan as transferred and XXXX loan as paid by XXXX XXXX. On the federal site, one shows that Nelnet has it, but when I login, there is no information and no payment due. The other shows that it 's all still with XXXX, but XXXX website shows it 's not. I moved in 2011 during an economic hardship forbearance, and I never got any more information on repayment. Since then, I 've been trying to track them down, and I STILL ca n't figure out how to repay everything. I need some sort of straightforward information, and when I logged on to Nelnet, none of my information comes up or any amount due or how to repay it.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT XXXX XXXX! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Prepaid card

Rushcard had a technical glitch that has not allowed many users access to their accounts for weeks. Money is still being held and access to accounts is still unavailable for some. I personally have the wrong account number listed. There has been updates however does not explain in details the issues.
Product: Credit reporting or other personal consumer reports

TransUnion has listed 14 phone numbers on my credit report that I do not recognize. I requested on XX/XX/2023 to have this fraudulent information removed and they refused. Listed are the phone numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( 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: Vehicle loan or lease

I am re-filing a complaint against Regions Bank regarding a loan for a boat that was paid off in 2015. The information I received from you regarding the former complaint ( XXXX ) from Regions Bank was their claim that the title was mailed to me in 2015. It was never received. Also claimed by Regions Bank was the PDF copy you furnished me claiming the lien release was sent as was the letter from the bank. 

I received a BILL from these people for five years without fail. The address, the name the physical address, and the post office around the corner ( we live n a town of less than 300 people ) remain the same. I have talked to our postmistress to be sure there was nothing amiss. We know each other on sight so there is no confusion about who I am or my mail delivery. 

FIVE YEARS I RECEIVED A BILL REQUESTING PAYMENT AND FOR FIVE YEARS I PAID IT. THERE WAS NO PROBLEM WITH MAIL CORRESPONDENCE UNTIL THEY GOT THEIR MONEY!!!!!!!!!!!!!!!!!!!!!!! 

NOW SUDDENLY I CAN NOT GET A TITLE REPLACED BECAUSE I CAN NOT GET A LIEN RELEASE. I HAVE A {$34000.00} WATER CRAFT THAT I CAN NOT SELL OR TRADE AND WILL NOT BE ABLE TO CONTINUE TO REGISTER THE BOAT TO BE ABLE TO USE IT ON PUBLIC WATERWAYS. YOU CAN NOT TALK TO A REAL PERSON AT REGIONS BANK.. YOU SIMPLY GET INTO THE NEVER ENDING LOOP OF RECORDINGS AND REFERRALS WHICH ALWAYS ENDS UP IN THE SAME PLACE. 

I AM AT THIS POINT OUT OF OPTIONS. FOR FIVE YEARS I RECEIVED MAIL FROM THEM. 

MY INFORMATION HAS BEEN THE SAME FOR FORTY EIGHT YEARS. 


PLEASE HELP.
Product: Credit reporting or other personal consumer reports

I made my mortgage payment usually by calling in difficulty accessing mortgage website. I had a contact person at the bank name XXXX, who encourge me to call or email him due to multiple customer staying difficulty with the website. I have call in payment for the duration of the loan. In XXXX, I called in my payment and quickly realize that the money was still in the account before the ending of the month, I send an email to XXXX asking why the payment was still in my account and sent the corrected banking information to XXXX and payment was debited on time. XXXX payment was call in upon returning for overseas on XX/XX/year>. I realize that no debit on my account on XX/XX/year>. I ask the bank to read the account number on file of which they did not correct the account number, the error was the same as lat month, the bank had an extra XXXX XXXX in my account number, so it rejected I quickly brought this to XXXX bank attention and also letting them know this error was the bank error. However, even with the email as evidence, I was ignored and reported as late that severely impacted my credit. I am in process of purchasing another property at this time. I receive a change of address in the mail, I do not believe I requested this. The correct information on the loan, should have been in the banking system from day one of servicing. 
Please assist as soon as possible.