23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Request to Cease Communication and Removal of Account Due to Data Breach under 15 USC 1692c ( c ) Dear Sir or Madam, I am writing to formally request that all communications from TRANSWORLD regarding the debt referenced below cease immediately, and that this account be removed from collections, in accordance with 15 USC 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ).

Details of Debt : Creditor Name : TRANSWORLD Account Number : XXXX XXXX XXXX XXXX Debt Amount : {$4600.00} The additional reason for this request is that I have recently been made aware of a data breach involving [ Name of Company or Service ], which I believe has compromised my personal information. As a result of this breach, I am concerned that the information used to pursue this debt may have been obtained through fraudulent means or mishandled in violation of my privacy rights.

In light of this breach, I am requesting that the debt be removed from collections and that no further action be taken regarding this account until this issue is fully resolved. Under the provisions of 15 USC 1692c ( c ), I also request that you cease all further communications with me regarding this debt. This includes all phone calls, letters, and other forms of contact, except for any necessary legal notices or required actions. 

Please ensure that your records are updated accordingly and confirm that this request has been processed. If you need any additional information to proceed with this request, please feel free to contact me. 

Thank you for your immediate attention to this matter. I trust that you will comply with my request under the FDCPA and take appropriate action in response to the data breach. 

Thank you,
Product: Debt collection

A garnishment/hold has been issued on my bank account because my son is on the account. The debtor did not submit an court order to appear in court. The debtor was given automatic permission to seize my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2020 I've file documentation regarding to those unknown and inaccurate accounts that I found on my credit report. It cause me a lot of stress since no response yet its almost 60 days now. Im a victim of XXXX  Data Breach and I demand to REMOVE ASAP those accounts on my credit report or I will file a litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to experian, XXXX, and XXXX  about inaccuracies on my credit report and they claimed that all the accounts were verified with no proof of how they verified the accounts. I would like for them to remove the following accounts because they not only did they not conduct a proper investigation but they are violating my consumer rights by furnishing information without my consent. Which equals identity theft. The accounts im referring to are XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should be removed immediately.
Product: Vehicle loan or lease

In XXXX of 2021, us auto sales disabled my car even though I was not in default. I had to call out of work for a few days and I called them. They told me that something was wrong with the pastime device and I had to take to an auto shop to get fixed. I took to everything automotive on XXXX and they had to wait for part to be shipped so repair did not happen until XX/XX/2021, car was off on my birthday XX/XX/2021. I had to miss work and earned occurrences since was not planned PTO! Also, they transferred my car to another servicer and its been complaints of people vehicles being repoed even though not default. I am scared of losing vehicle that I need to get to work and to take care of my disabled son and mom. It is now with Westlake portfolio management. Also, us auto was making me get high insurance for years and I paid so much money and they were still charging me for collateral insurance with them. I called about it and they told me I had to get a deductible that was high and was adding a balance to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Checking or savings account

I have been reporting frauds in my savings and checking accounts. 
Reporting to FBI and police : I have previously been a victim to chase XXXX wire fraud XXXX XXXX XXXXXXXX XXXX 2019. 

citi bank has illegally CREATED A VIRTUAL CARD .In which has damaged my credit report. They are refusing to provide me with these numbers and verification of closed account. 
I was told yesterday. They were faxing a letter to provide my lender : in which they never complied. I have over XXXX worth of false charges. They refused to change the numbers on account. They are not crediting me for these frauds. 

I am in the process of losing my loan agreement. ( as I did not grant permission to open this ) it was a result of a 8 digit expiration date that is creating glitches in the merchants machines. 
As a result of this fake virtual account : if I have to take early from my ira to buy the property. I will have tax penalty that they will be accountable for, This month and last I have damages of {$4000.00}. 
This is wire fraud and account tampering. as well as not following a customer directive with my own money. Its bank robbery and the management need to be accountable. For this on going harassment 6 yrs. 

I am living in a hotel XXXX waiting to close and citi won't provide the paperwork delaying me 1 week all ready at a cost of XXXX a day.. 

THIS HAS BECOME A DAILY FULL TIME JOB> I need help!!
Product: Credit reporting

I met with my XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) a few years ago and had her pull up every delinquent account I had at that time on my credit report. We then made a loan with the credit union and paid off all my bad accounts. Now XXXX XXXX is showing XXXX delinquent accounts through Transunion. The creditor names say Collector. XXXX is for {$68.00} the other {$67.00}. I have no idea who these Collectors are? If they have a legitimate claim. Please send me the account info and contact info for the Collectors and I will pay them off. Thank you. 
XXXX XXXX XXXX
Product: Credit card

On XX/XX/year> I mailed a letter to capital one requesting them to return both securities I previously sent. Capital One has failed to return the securities I mailed to them on XX/XX/year> which they received on XX/XX/year>. I also mailed another security to them on XX/XX/year> and was received on XX/XX/year>. I gave capital one 14 days to return both securities.
Product: Student loan

InXX/XX/XXXX my loans were transferred to Fed Loan Servicing ( PHEAA ),  as I am working towards public service loan forgiveness. It took nearly a year for them to process and verify my payments, which only was completed after I filed a complaint with the CFPB. I received a letter in XX/XX/XXXX with the list of payments made. There were six payments that I disputed. For five different payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) I was within a qualified employment window and had bank statements showing a withdrawl, yet they weren't counted. For another payment, it was pulled from my bank account XX/XX/XXXX, posted to my bank account XX/XX/XXXX, which was a Saturday. I had my last day at one qualified employer on XX/XX/XXXX and started a new qualified employment XX/XX/XXXX. Fed Loan claimed I was 'unemployed ' during that payment, even though it was pulled from my account on XX/XX/XXXX, while I was in a qualifying employment. 

I submitted a letter disputing these six payments that were not counted towards my loan forgiveness despite being in qualified employment and proving the plans were made. This letter, along with supporting documentation, was sent via certified mail XX/XX/XXXX. I verified a few weeks later that it was received and was informed by customer service at Fed Loan Servicing that it would take up to a year or beyond to be reviewed. 

I sent a second letter via certified mail XX/XX/XXXX requesting an update on the dispute letter and readjustment to my number of payments made. I was informed this was not available to be reviewed and there was no supervisor or any other staff member I could talk to. 

Additionally, during this time I started school. I was put into a school based deferment in XX/XX/XXXX. I called immediately and completed paperwork XX/XX/XXXX to waive deferment. I was told at that time that if I wanted to continue to count payments towards PSLF that I should keep making payments as scheduled and they would be retroactively applied. I made payments XX/XX/XXXX and XX/XX/XXXX for the full amount of what was due. When I spoke with Fed Loan in XX/XX/XXXX I was informed they had not gone back and applied those two payments that I made on deferral to my qualifying payments. 

Now, instead of being eligible for loan forgiveness in XX/XX/XXXX, they are stating I will not be eligible until XX/XX/XXXX. I would like the payments I made while in qualifying employment to be applied appropriately. 

I am attaching the original dispute letter from XX/XX/XXXX, along with the payment documentation. I'm also enclosing the other complaint letter from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I did not authorize this company to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This troubles me as much as it troubles the Credit Bureaus regarding the th fraudulent items reporting on my Credit Report. My Legal counsel is urging me to file a legal case to set as an example for other consumers suffering the same problem as I was. The Credit Bureuas have done nothing to correct my Credit File and continued reporting the disputed items without providing me copies of documents as proofs of verification. This action is a clear violation of a consumer 's rights and is punishable by law. Under the FCRA section 605b, The Credit Bureaus are required to remove any accounts and information that the consumer identifies as an item resulting from the theft of my identity. Although I do not want to bring this matters to court, my lawyers wanted me to file a case and show that the Credit Bureaus are not immune to legal trials. I am sbumtting this CFPB complaint to request that the Credit Bureaus remove the fisputed fraudulent items before I am forced to take legal countermeasures. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XXXX Original XXXX : XXXX  ) XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX FM XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$290.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00} XXXXXXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Vehicle loan or lease

This problem has been ongoing problem with Honda Financial service : I have received a letter in the beginning of the XX/XX/XXXX indicating that I have owe Honda Financial service amount of {$130.00} for the Vehicle tax for XX/XX/XXXX to XX/XX/XXXX for Honda Civic I have trade in at XXXX for new vehicle on XX/XX/XXXX and Honda received paid off amount of {$13000.00} on XX/XX/XXXX. ( see attachment ) I have called a Honda Financial Service on XX/XX/XXXX and spoke to representative XXXX ( wo n't provide the full name ) and received Case # XXXX : XXXX said he would put my account on HOLD until XXXX County refunds the Tax for Honda Civic, due to the fact that XXXX have paid in XX/XX/XXXX for the whole year 's Vehicle Tax : And advice to ignore the future invoice from Honda. 

Its ' been over three months now, Honda still sending me a Letter indicating PAST Due and will effect my credit score (  threatening me ) and suggest of {$100.00} to compromise the case : I feel, Honda Financial service is trying to Scheme me of this TAX Bill. 

I DO NOT OWN the vehicle from XX/XX/XXXX ( see attachments ) Plate and registration for the vehicle was returned on XX/XX/XXXX. 

I even called the XXXX County Vehicle Tax department to find out, and they told me that they have return the Civic ' Tax for XX/XX/XXXX to XX/XX/XXXX portion to Honda already. 

So, in this case, Honda should close my case and should not be sending me the LATE DUE letters. However, XXXX is still sending me the Late Due letters and I want this to be CLOSE ASAP. I do n't feel obligated to paid the Vehicle tax for the vehicle I do not have the ownership! Honda need to have better organized financial service group. 

I wonder how much money they have collected this way and not returning the money back to the customer. 

For two years of being loyal customer to Honda, ( no late payments etc ), I should n't be treated or threaten By XXXX in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past XXXX years, I have trying to get this information removed from my report at Experian. I have made over XXXX complaints ' with CFPB that Experian only updates the incorrect information instead delete it as XXXX did after investigations of the matter. I am Demand them to Delete the account it has been over XXXX years of incorrect information. They have stretched the law for XXXX years
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXXXXXX account with balance of {$340.00}. 
Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I applied for a forbearance. On XX/XX/2020 the account was 30 days past due. On XX/XX/2020 First Mark Services reported my account as 30 days past due with a delinquent amount due. On XX/XX/2020 the lender XXXX finally approved the forbearance.. First Mark refuses to fix my report even though the forbearance was  approved. Its not my fault it took the lender so long to process the forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shared my information to XXXX XXXX. Now they are trying to collect XXXX, I do not know who XXXX is I never signe paper work with XXXX, they bumped the initial amount of XXXX, also they report to the credit bureaus different information, one day my account is open the next day closed, then collections, this been closed, remove It from report, also sending Letter to petition to keep there business open, they took my documents of line
Product: Credit reporting or other personal consumer reports

Dear Midland Credit Management, I trust this communication finds you well. I am writing to address a matter of significant concern pertaining to a debt under your management, which has had a detrimental impact on my credit score. I sincerely hope that we can engage in a constructive dialogue to promptly rectify the damage caused and reach a fair resolution. 
Upon discovery that Midland Credit Management is pursuing this debt without my prior notice or consent, resulting in the creation of a collection account, my creditworthiness has been substantially affected. This has raised serious concerns about potential violations of consumer protection laws, emphasizing the importance of transparency and fair business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$2000.00}, {$8900.00}, {$12000.00}, {$4000.00}, {$4500.00}, {$6100.00}, {$10000.00}, {$15000.00}, {$9100.00}, {$52.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-OPEN ACCOUNT- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-CLOSED ACCOUNTS- 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8900.00} -This is not my account.

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account.

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

-PERSONAL ACCOUNTS- 7. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on APR XXXX, XXXX with a credit limit of {$9100.00} -This is not my account. 

-COLLECTION ACCOUNT- 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$52.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts : XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX XXXX and XXXX XXXX  # XXXX have violated my rights. 

15 USC 1681 section 602a states that I have the right to privacy.

15 USC 1681 section 604a also states a consumer reporting agency can not furnish an account without my written instruction. 

Please delete these accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized  inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit
Product: Credit reporting or other personal consumer reports

I've recently learned that I have been a victim of identity theft. Most of the information furnished on my consumer report results from fraud. I've attached a letter currently en route to Experian 's mailing address. I'm submitting this complaint because I do not know when they will receive my mail, and I want to correct the fraudulent consumer report and prevent further fraud immediately.