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

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

wrote letter to validate information and company never responded
Product: Debt collection

I did not answer the phone and so I called back the caller, I waited to hear what they had to say and then told them that I do not believe that I owe any thing to the company due to only having funds in one financial institute for many years. Just recently I had received some funds through the institute which this collection company states I owe from, the funds were from my father which made me a private client at XXXX, and I believe if I owed any thing they would have brought it up over the last almost 2 yrs. In order to be a private client you must have excellent standings within the financial institute. So for me to receive such a call and in a language that was not in English, I asked for documentation. I received the documentation but it is not accurate nor familiar at all to me. It doesn't really say anything except some fraudulent payments and judgment info that is not even on my credit report. I do not want them to think they have the right to try and put some collection on me that's not mine. Also they have done this in the past and finally said okay its not your debt and stopped sending and calling me about it. That was about a year and a half ago and now its something else. They used a court house in XXXX XXXX to use as a back up for them and its a clerk that is doing this there. I will attach a copy when I am able while sending this to you. The Midland Collection
Company has a real bad reputation for fraudulent reporting as well as their collection methods... quite honestly I'm tired of them always trying to prey on those they do not think will fight back. I am prepared to go all the way. 
Thank you
Product: Credit reporting or other personal consumer reports

Transunion is reporting an account on my credit report that has not been verified. The account is XXXX XXXX XXXX. The collection agency was sent a debt validation letter in XXXX and I also submitted a CFPB complaint. The company failed to provide proof of the alleged debt. XXXX and XXXX have since removed the account from my credit report. I am demanding that XXXX remove this account from my credit report within 3 days for negligence, violation of the FCRA, and defamation of character. I will be moving forward with filing a statement of claim against your company if this account is not deleted.
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 proce 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 504 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 consists of a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$XXXX}, and a collections account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$XXXX}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # XXXX 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: Debt collection

XXXX XXXX XXXX SXXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Cease and Desist Letter To Whom It May Concern, I am writing to formally demand that Portfolio Recovery Associates , LLC immediately cease and desist all communication with me regarding the alleged debt referenced in your correspondence. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Your continued attempts to contact me regarding this matter, if not in compliance with the FDCPA, could be considered harassment under the law. In XXXX XXXX XXXX, 514 U.S. 291 ( 1995 ), the Supreme Court reinforced the applicability of the FDCPA to debt collectors, and violations of these provisions will not be tolerated. 

Additionally, in XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, 559 U.S. 573 ( 2010 ), the XXXX emphasized that debt collectors are responsible for compliance with the FDCPA, and ignorance of the law is not a valid defense. 

I no longer wish to be contacted regarding this matter by phone, mail, email, or any other form of communication. All future correspondence must be limited to written notices as permitted by law and only to inform me of any specific legal actions you intend to take concerning this alleged debt.

Additional Requests Verification of the Alleged Debt : Provide detailed documentation to validate the existence of this debt, including the original creditor 's name, the date of the debt, and the exact amount claimed. 

Confirmation of Compliance : Acknowledge in writing that you have recorded and will honor this cease-and-desist request in accordance with FDCPA regulations. 

Notice of Rights This letter does not serve as an acknowledgment or admission of the validity of the debt in question. Any attempt to pursue collection activities after receipt of this notice, except as explicitly permitted under the FDCPA, may be considered willful noncompliance. 

Such actions will compel me to take further steps to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General 's Office, and pursuing appropriate legal remedies. 

I expect your written confirmation of this cease-and-desist request within 10 business days of your receipt of this letter. Please direct all necessary correspondence to my address listed above. 

Thank you for your immediate attention to this matter. 

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

The deletion or suspension of accounts stemming from a data breach or unauthorized inquiries is governed by the FCRA Section 605B, which addresses the blocking of information resulting from fraud or data breaches [ 15 U.S.C. 1681c-2 ], as well as the FCRA Section 604, which outlines permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

I am writing to formally dispute the accounts referenced in my consumer credit report, which have arisen due to data breaches or fraud. I kindly request verifiable evidence containing my signature or electronic signature. This letter represents my personal request, and I urge careful consideration. These actions were undertaken without proper validation or original documentation from the reporting companies, constituting a
violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

Your agency is in violation! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> AND XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Constant robocalling from Harris & Harris calling to collect money, at minimum XXXX per week from # XXXX and many times after XXXX CT to the point of harassment violating the Telephone Consumer Protection Act and the Fair Debt Collection Practices Act.
Product: Debt collection

NOTICE TO CEO & CFO OF NETCREDIT LOAN SERVICES LLC CRIMINAL INVESTIGATION Please take notice that this is a criminal investigation of the business practices of the above named, organization or other governmental unit, its agents, officers, employees, and attorneys to determine violations of the United States criminal laws. NETCREDIT CEO & CFO claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18, Sec, 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records of U.S.C. Title l8, Sec. 471, 472, 473, and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 Sec. 1961 et. Seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. Sec. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. Sec. 1842 - Fictitious Names THIS IS A WARMING TO NETCREDIT CEO AND CFO TO STOP YOUR ILLEGAL, EXTORTION AND RACKETERRING ACTIVITIES IMMEDIATELY OR FACE CRIMINAL CHARGES UNDER FEDERAL LAW. I DEMAND YOU TO COMPLY OR FACE LEGAL ACTIONS. 

NOTICE I am requesting an updated copy of my credit report.
Product: Debt collection

Our son was having difficulty XXXX and we took him to the emergency room on XX/XX/XXXX at the base hospital. The hospital did not have the proper tool necessary to treat him so they had him immediately transported to XXXX XXXX  in the next city. We heard nothing about any charges and then we received a bill saying we owed around {$350.00}. I immediately called the billing department for the hospital and spoke with an agent who stated that we owed that amount. I asked what was the bill for and he said he doesn't know. So I asked how can I pay for something but I do not know what the charges are for because we have never received a hospital bill because we have XXXX with the military and its always paid. He informed me to contact XXXX. I contacted XXXX and spoke with an agent named XXXX. She couldn't find what the charge was for and she said that it would be removed and to have the hospital contact XXXX if they are still sending bills or calling. I immediately informed the hospital billing department and the agent stated that he would look into the matter. We heard nothing for months so we assumed the issue was resolved. We received another bill in XX/XX/XXXX about the same issue. I called the hospitals billing department and spoke with another agent and he informed me that the amount was not removed and that we needed to pay a totally different amount that was on the bill. He couldn't figure out the numbers and he said that it had to be paid because XXXX only pays a portion. We called spoke to another agent and this agent claimed that the amount was for taking our son to a hospital that was not in the network. We explained that we did not voluntarily take him there, and that he was transported by the hospital. They stated that we still had to pay even though our daughter also was taken to that same hospital for XXXX and stayed almost 5 days and never had to pay. We set up the payment arrangements with the new amount given by an agent of {$380.00}. When I had my credit score checked for a loan, I was told that my credit score has dropped because of a {$14.00} collections debt from the hospital.We paid what we were told and now my credit has been affected. I paid the {$14.00} and I would like this removed from my credit.
Product: Mortgage

I contacted Santander a few times to request removal of PMI, as my current outstanding balance reached the required level to qualify for the PMI removal. As of XX/XX/2022, t

he LTV ration yields 77.53 % where the PMI should be automatically removed. However, the communication I received states that in order to qualify for PMI removal at this time I have to order appraisal which I will also have to pay for ( over {$400.00} ). And it also states that it does not guarantee the PMI removal. In the market where the real estate prices have been increasing, I do not believe this is reasonable. Especially provided that the LVT at this time is below 78 % of the original value.
Product: Mortgage

I only became aware of misapplication of payments in the last two weeks as we are reviewing my credit. 

From XX/XX/XXXX to XX/XX/XXXX SLS applied 18 payments inaccurately to principal instead of the currently due amount. However they claim XXXX XXXX  only allows them to review a payment in the a 90 day window despite they kept this information from me. They sent a ledger that clearly shows there was a due balance yet they applied it to principal to garner late charges intentionally.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 XXXX account being open in my name. There is fraudulent deposit bank account under my name. There is fraudulent activity with installment loans with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 # ( XXXX ) as proof from the US 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 or other personal consumer reports

I recently reviewed my credit report and discovered an unauthorized account that does not belong to me. This is fraudulent account that has severely tarnished my financial reputation and have caused significant distress, especially as I am currently in the process of purchasing a home. I am requesting immediate assistance in removing this unauthorized account from my credit report
Product: Mortgage

XX/XX/XXXX Quicken loans employees said my escrow account payment short XXXX. Quicken loans employees stole XXXX. Property tax bill for XX/XX/XXXX. Quicken loans employees stole money from escrow account during months XX/XX/XXXX XXXX ; ; XX/XX/XXXX XXXX ; ; XX/XX/XXXX XXXX and XX/XX/XXXX XXXX will be what I was told they will take. I paid first time mortgage payment for escrow account XXXX mortgage payment is XXXX new payment mortgage payment due XX/XX/XXXX XXXX. Quicken loans employees stole since XX/XX/XXXX. How do I owe XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request for Consideration of Fraudulent Activity on My Account The dates that I think were affected due to identy theft XXXX, I am writing to inform you of a situation that has negatively impacted my ability to make timely payments on my mortgage and to request that you review my account in light of the fraudulent activity I have recently experienced. 

Unfortunately, I have been the victim of identity theft. My personal information was compromised through both online platforms and email, as well as through regular mail, which led to unauthorized access to my accounts and financial information. As a result, I was unable to properly manage or make timely payments on my bills, including my mortgage. 

Due to this fraudulent activity, I was unaware of the overdue balances or notifications regarding my payments. By the time I realized the fraud had occurred, I had missed important deadlines, and my credit report now reflects late payments and delinquencies that were the result of actions beyond my control. 

I would greatly appreciate it if Shell Mortgage could review my case and consider these circumstances when evaluating my account. Given that these late payments were due to identity theft and fraud, I am requesting that any negative impacts on my credit report, stemming from this situation, be removed or corrected.
Product: Student loan

This is my second complaint for the same thing. Nelnet lied to me and coerced me into consolidating my loans and losing my Parent Plus status, voiding my ability to pay the loan back under any the new SAVE plans and losing my ability to be in deferment till my child finishes school ... as he is still enrolled. 

Instead they encouraged me to consolidate, advising me it would make the loans easier to handle and pay ... but never once telling me the consequences and how they would adversely affect me. They did this on purpose, there is no way this is not a predatory act.
Product: Mortgage

My original mortgage with XXXX XXXX Bank # XXXX was sold to a company called Land Home Financial Services Inc as of XXXX of XXXX. I had automatic payments set with XXXX XXXX and all payments were made and I have never been late. I never received any notification from the new mortgage processing owner. On XX/XX/XXXX I finally received a statement adding 'FEES ' to my mortgage monthly payment of XXXX, which they claimed are fees owed to them. I contacted the company multiple times via telephone, without any resolution. They do not have a website to see your mortgage or payments. I continued to submit my monthly mortgage payment via check because this incompetent company of loser does not offer web based payments, so it is like the XXXX 's where you have a mail a check to California. I have made my monthly payments and yet I keep getting a statement for XXXX without any explanation. The few people which answer phones are rude, ignorant and careless. They said XXXX XXXX just recently credited my accounts but they have not made any adjustments for those fake 'FEES '. I am raising this complaint and will move forward with litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has a completely different reference # than the other 2 bureaus, Equifax is missing the date settled, all bureaus are missing the liability amount and status of the account
Product: Debt collection

This collection is reported on my consumer report and i did not recieve any notification of the collection or debt. I am not sure if any or all of the information is accurate as i didnt get the fair oppertunity to despute any or all of the information that is listed on my report. I didnt get any information that was validating of this alleged debt. This debt was purchased by a third party and that is a violation of my consumer rights to privacy.