23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Demand to Cease and Desist Reporting and Remove Inaccurate Information from My Credit Report To Whom It May Concern : This letter serves as an official demand to immediately cease and desist reporting any information related to [ SEE ATTACHMENTS ] on my credit report. I have not authorized this account, and your reporting of this information is inaccurate, unwarranted, and damaging to my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information you report is accurate, complete, and verifiable. This account does not meet these standards and constitutes a clear violation of my rights.

Additionally, I have no record of entering into any agreement with your company, nor have you provided sufficient proof of my liability for this account. If you can not provide documented evidence of my authorization and liability for this account within ( 4 ) days, you are legally obligated to remove all references to this account from my credit report.

If you fail to comply with this demand, I will not hesitate to take the following actions : 1. File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.

2. Pursue legal action against your company for defamation and the willful infliction of financial harm.

3. Demand statutory damages as allowed under the FCRA.

This is your final notice to act. I expect confirmation in writing that you have ceased reporting this account and that it has been removed from all credit reporting agencies ( XXXX, XXXX, and XXXX ). Failure to comply will leave me no choice but to escalate this matter further. 

You are hereby notified that any further contact regarding this matter must be in writing. Do not attempt to contact me via phone.
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 : XXXX  / XXXX  : Account Number : XXXX Account Name : XXXX  / XXXX  : Account Number : XXXX Account Name : XXXX/XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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: Checking or savings account

I have my business checking, business savings, and XXXX accounts with Regions, and they keep reporting an address on my statements that does NOT belong to me an has NEVER been associated with me. I can't get Regions to stop putting this strange XXXX XXXX address on my accounts, and there isn't any way to change it in their system. I want amended bank statements and for this address to stop showing up.
Product: Credit card or prepaid card

My mother used her XXXX XXXX Debit Card and attempted to withdraw cash from an ATM ( I am her representative payee ). The ATM dispensed no cash, issued no receipt. It flashed an error message " your financial institute does not allow transactions of this value ''. When she went to a different ATM, the previous withdrawal had been deducted from her account as if indeed it had been dispensed. I could not contact this company and I made MANY attempts to remedy this error until almost three days later. I was unable to successfully file a claim with them until six days later and they then made her wait another twenty days to issue a 'temporary ' credit while they researched. One month later, I received a letter from XXXX XXXX Stating they were reversing the temporary credit because the merchant 'stated ' there were no errors on that atm. They did not demand proof of dispensation and they have not complied with my request for all documents pertaining to these transactions and for the proof of dispensation. I am attaching a full outline of all dates for phone calls and actions taken by myself.
Product: Credit card or prepaid card

XX/XX/XXXX requested a dispute from synchrony about a package I did not receive from Jcp. 

Said I will receive a letter in 7-10 business days about the dispute. That did not happen. 

XXXX-opened new dispute again With synchrony because I am not paying for a package I did not receive. 
They said XX/XX/XXXX Additional documentation from Jcp : confirmation of package received and they closed my case from XX/XX/XXXX. They told me to contact the merchant who will not resolve the dispute. I contacted them XX/XX/XXXX and they told me they could not do anything for the dispute. That is why I contacted synchrony to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following false accounts on my credit report with the credit bureaus but have not received any response : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX  account XXXX 4. XXXX XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Product: Debt collection

This company continuously refuses to provide me proof of debt and refuses to provide their companies lawyers name. Ive requested proof of debt 3 times now and have yet to have this fraudulent account validated. I first spoke to a rep who I thought sounded like XXXX XXXX ( she refused to spell her name ) and she claimed she was going to mail proof- then the manager XXXX XXXX she transferred me to after once hanging up on me refused to mail it then continuously repeated every single question I asked but never answered it. She claimed she didnt have to mail me the proof which is not abiding by the FDCPA. Looking at other complaints I can see this is their pattern. They do not have any solid proof this fraudulent account is mine and they do not even have my information correctly. They do not have my social - they do not have any information this is my account, and they refuse to answer my disputes. I already disputed this debt 3 times and they never responded. She accused me of not knowing how to dispute an account even though I disputed it through the appropriate channels with all 3 major credit bureaus. The manager and representative were highly unprofessional, refused to provide any information, and I demand proof of debt or to have this account deleted. I have this all on recording and will be looking into further action if I do not receive what I asked for.
Product: Bank account or service

XXXX XXXX, 2017 On Thursday morning XXXX XXXX, 2017 I was informed that a fraud check had been deposited to my Chase checking account. I stated that I had not deposited any check, had not given access or permission to anyone to my account. I stated the check was not mine, I had no knowledge of the transaction and that I didnt want anything to do with it and to remove it from my account. 

I was instructed to contact the Fraud Investigation Department of Chase to resolve the matter. I spent several hours on the phone with Chase letting them know I was not involved with any fraud activities. They advised that they were suspending my account. They then instucted me to log on to my account after midnight to reset the password and everything should be fine. I attempeted to do this however was not able to. First thing Friday morning, XXXX XXXX, 2017 I went into the Chase bank to resolve the matter. The Banker was not able to access my account so they called the fraud department for assistance. The advised us that my accounts ( checking, savings and new Visa card ) were all being closed and they could n't do business with me as a customer. They informed me that they would be mailing out a closing check within 7 to 10 days. No further explaination was given. 

I have filed a complaint with Consumer Federal Protection Bureau as I believe I have been treated unfaily and unjust. 
I did not have anything to do with what happened to the Chase account. It had been " hacked '' and Chase Bank is treating me as the criminal rather than the victim that I am. They have suspended all access to my accounts leaving me without access to my funds until they release them to me. 

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

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX
Product: Credit card

I applied for a credit card with Well Fargo, when i say the terms and credit limit i decided to not move forward with the credit card. I called the next day to cancel the application and i was told the credit card application was approved and will be opened and i can not stop the credit card account from opening. My only option is to open the credit card and cancel it afterwards.
Product: Credit card or prepaid card

JP Morgan would not credit me for an improper charge on XX/XX/2020, I closed my account and paid the last bill that I received in full, less the improper charge. After I closed my account, Chase would not send me subsequent bills or allow online access. After two months, Chase started collection calls - I told them there was a legitimate dispute - not a failure to pay. Eventually the vendor themselves credited me for the original improper charge, yet Chase refuses to credit the interest and penalties that accrued after I cancelled my card. Further, they reported me 90 days late which caused me difficulty in receiving an auto loan. My Chase Select banker said supervisors would call me on multiple occasions to try to resolve the issue - yet I never heard from them. I was even told they mailed be and tried calling - yet they have my correct address, work phone, home phone, cell phone, and email, yet I never received one text, voicemail, letter or call. Each day that goes by without Chase addressing my issue, my damages increase. I keep getting collection calls, interest and fees and an incorrect, damaged credit rating.
Product: Debt collection

I received a phone call from a woman claiming she had documents to serve to me. She wouldn't give her name, the company she was calling from, what the papers were in regards to. She had an account number and a phone number, which I called. Upon speaking with XXXX, it took prying to discover that this was Lewis, McDonnell and Associates. It didn't take much for him to imply that this was a law firm. They claimed to be serving court documents and that I would be taken to court. After some time I spoke with him and eventually got a settlement offer. I paid about 1/4 of the settlement and agreed to pay them by the end of the month. After digging, though, I found that their address leads to a XXXX store somewhere in California. Their website is misleading, as it's essentially a template. While I do acknowledge this debt was something I owed at a horrible time in my life, I do believe I was purposely misled by this company with their use of scare tactics and misinformation. This complaint was filed almost a month ago, but here are some updates. Upon digging, this company barely seems to exist. Their website is, as mentioned,
basically a poorly edited template designed to give them just the slightest online presence. Other than that, their P.O. box leads to a XXXX store and they claim they're not required to give you an address. They throw around words like " legal administration, legal documents, paralegal, etc. '' Just how legal their documents are and just how licensed the " paralegal '' I spoke with is remains dubious at best.

But, as their reply noted, " at no point ... did our representative say our institution was a law firm. '' But they make it sound like it is, at the very least, a legal department. Which is misleading.

On top of this, this company is not licensed with nmls consumer access. At least not under any of the names they gave. Again ... misleading. It's illegal to try to collect debts in Maryland without a license.
Product: Student loan

I am being contacted by a company called Navient that has refused to validate the debt but is pursuing collections. I do not recognize the debt. I have sent two letters for validation and each time Navient has refused, stating I am not the legal party. I have included all legal information required for validation including name and supposed account number.
Product: Student loan

I've tried logging in to my account several times to check my balance and make a payment but their system won't allow me to log in. It takes me to a page explaining my tax information and that my loans are being transferred to a new servicing platform but will still be handled by MOHELA. I tried reaching out to them but in order to submit a concern, you need to log in. The irony is thick. For such a large-scale public loan service, they sure drop the ball a lot with their methods of communications.
Product: Credit card

I am writing to formally complain about Comenitys failure to honor the terms of the hardship program I enrolled in on XX/XX/XXXX. Under this program, I was promised a 0 % interest rate, no late fees, no reporting to credit bureaus, and auto-deductions from my bank account for 60 months due to my financial hardship. Unfortunately, Comenity has not fulfilled these terms, which has led to significant damage to my credit and well-being. 

On XX/XX/XXXX, I received a letter from Comenity stating they had not received a payment for XXXX, that this had been reported to XXXX, negatively affecting my credit score, and requesting payment of {$140.00} in XXXX. I was shocked and confused by this, as I was under the impression that the auto-deduction would continue for the entire 60-month period, as promised. 

After contacting Comenity on XX/XX/XXXX, I was informed that the auto-deduction had been set up only until XX/XX/XXXX, and I had not been enrolled for the full 60 months as promised. No prior notice or reminder was given to me, and I was not informed of the termination of the auto-deduction. This failure on Comenitys part has caused me undue hardship, including financial stress, mental strain, and significant damage to my credit. 

In light of the severe impact this has had on my credit, mental health, and financial situation, I am requesting that Comenity pay the entire outstanding balance of {$2500.00} and immediately remove any late payment reporting to XXXX from my account. I do not have the {$140.00} to make a payment right now as I have lost my job, and this additional financial burden is overwhelming. This request is due to Comenitys failure to fulfill the promises made under the hardship program and the undue stress and hardship they have caused me. 

I expect immediate action and a written confirmation of the steps taken to resolve this issue, including the removal of the negative reporting. 

Thank you for your prompt attention to this matter. I look forward to your response and a fair resolution.
Product: Checking or savings account

This is a XXXX ACCOUNT.. THEY LOCK MY ACCOUNT THST I USE FOR MEDICAL .. Money is taken from pay check. Communication XXXX., there over {$2000.00} in the account they lock up make it hard to pay for medical bills and XXXX  bills
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

XXXX5 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Debt collection

I am writing to express my profound disappointment and indignation at Equifax 's blatant disregard for legal compliance by rejecting my request to block inaccurate information and unauthorized transactions from my credit file. This blatant display of negligence and indifference toward consumer rights is entirely unacceptable. Equifax 's failure to take appropriate measures to rectify the inaccuracies in my credit file not only constitutes a violation of the law but also undermines the credibility of the credit reporting system.
Product: Credit reporting, credit repair services, 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. 

XXXX  XXXX XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Student loan

On XX/XX/XXXX I applied for the new SAVE repayment plan through studentaid.gov. 
On XX/XX/XXXX my application was processing. 
Unknown to me until XX/XX/XXXX on XX/XX/XXXX my application was denied by ED Financial ( my loan servicer ) because I didn't have an active loan. 

In reality ED Financial was transferring loans in its system to a different computer system. That change had a transfer window of XX/XX/XXXX to XX/XX/XXXX based on their emails. They had delays in transfer. They didn't inform that this delay was occurring until late XXXX. Because of their own internal system transfers they didn't see my loan in their system. They inaccurately denied my request. I had to reapply today XX/XX/XXXX over the phone with their customer service rep XXXX. The change wont happen for 31 days, after my next payment which resumed this month is due. 

The change when I applied said my payment was going to drop from close to XXXX to {$74.00}. Now I was told my payment will be closer to {$170.00}. That's okay as long as that is accurate. My XXXX Payment will still be the higher amount even though I timely applied for the change to the SAVE program. ED Financial screwed up, not me. 

XXXX put in a ticket to figure out why my loan was lost during the transfer creating a denial, why I never received the XX/XX/XXXX correspondence informing me my loan was denied, and I think a general complaint on my behalf. She was actually helpful, but still could only convey what basic info she had. It wasn't her fault that ED Financial screwed up from a systems perspective with a failure to properly audit requests that came in on and after XXXX. 

I also tried emailing using their online contact form ( that does not provide an email confirmation/copy so I only screenshot the 2nd submission before submitting. I emailed on XX/XX/XXXX and again on XX/XX/XXXX. They indicate a 4-5 day response time. XXXX told me it is closer to 27 days currently. I have not received a response to either of those email/contact form requests. If I had received a response I would have been able to resubmit with more than 31 days time. I did try and call in on XX/XX/XXXX but was on a different call when they called back ( 5.5 hours later ) and didn't have a chance till today to call again. 

I received a letter on XX/XX/XXXX ( dated XX/XX/XXXX ) that described my old plan, but since I never received the XX/XX/XXXX denial on that SAVE application I just assumed my request hadn't been processed yet. That was also why I reached out via the contact form to get answers regarding that XXXX ( XX/XX/XXXX ) letter. 

ED Financial should have known their system was causing issues with requests because they failed to meet the transfer schedule they informed us would be in place. They knew when SCOTUS denied the forgiveness and a new plan was created that lot of change requests would start. I applied to give plenty of time to allow those changes to take effect.