vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Recovery Management
State: TN

Complaint narrative:
Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. FOX COLLECTION CENTER will be civilly liable under Title 15 U.S. Code 1692k if FOX COLLECTION CENTER failed to abide by my cease & desist order. Me XXXX XXXX. 

My Demands : Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Cease & Remove alleged account from all credit reporting agencies Cease & Remove All negative information from ALL CREDIT REPORT AGENCIES Pay me The Consumer {$1000.00} for the damages against me XXXX XXXX 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

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 ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( 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 ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Respectfully XXXX XXXX, Consumer/ Natural Person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Credit bureaus refused to remove an old account that's over 7 years ( Wells Fargo, XX/XX/2014 ). Just tried to submit another dispute on XXXX and their system would not allow me to address this error. It says it will stay on file until

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: CA

Complaint narrative:
The Department of Education has been knowingly infringing upon my right to privacy by sharing my information with third parties when I NEVER gave them permissible purpose to do so. The accounts in dispute are a result of identity theft. These accounts do not belong to me, but were verified. It is impossible to verify these accounts on my behalf because I am the original creditor and consumer and I'm the only person who could verify any debt. Also, debt means any alleged obligation and we all know pursuant to 18 usc 8 all obligations are securities of the United States. I need to you to cease and desist all collection efforts or else I will be forced to litigate. You are criminally and civilly liable for infringing on my consumer rights pursuant to 15 usc 1611, 15 usc 1640, and 15 usc 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient has been knowingly infringing upon my right to privacy by sharing my information with third parties when I NEVER gave them permissible purpose to do so. The accounts in dispute are a result of identity theft. These accounts do not belong to me, but were verified. It is impossible to verify these accounts on my behalf because I am the original creditor and consumer and I'm the only person who could verify any debt. Also, debt means any alleged obligation and we all know pursuant to 18 usc 8 all obligations are securities of the United States. I need to you to cease and desist all collection efforts or else I will be forced to litigate. You are criminally and civilly liable for infringing on my consumer rights pursuant to 15 usc 1611, 15 usc 1640, and 15 usc 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Kindly remove this from my report immediately as my car and all stuff documents were stolen. Ive tried multiple times aswell as filed dispute so please remove it once and for all from ny report as I was before victim of identity theft XXXX XXXX  account {$890.00} Please remove this immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Ive reached out to Bank Of America several times via certified mail with return receipt and also registered mail. I have yet received a response back from them. I sent an affidavit over 30 days ago and no response. The account thats listed on my credit report is not mine. Ive asked them to remove the account from my report several times. Documents attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Citizens Bank has been knowingly infringing upon my right to privacy by sharing my information with third parties when I NEVER gave them permissible purpose to do so. The accounts in dispute are a result of identity theft. These accounts do not belong to me, but were verified. It is impossible to verify these accounts on my behalf because I am the original creditor and consumer and I'm the only person who could verify any debt. Also, debt means any alleged obligation and we all know pursuant to 18 usc 8 all obligations are securities of the United States. I need to you to cease and desist all collection efforts or else I will be forced to litigate. You are criminally and civilly liable for infringing on my consumer rights pursuant to 15 usc 1611, 15 usc 1640, and 15 usc 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
Dear CFPB My name is XXXX XXXX and I am a federal student loan borrower with Fedloan servicing. I have contacted FEDLOAN and disputed specific ineligible payments and Fedloan never responded. I am asking CFPB to contact Fedloan to fix the payments that inaccurately reflect ineligible. There are several payments made between XXXX to through XXXX that are not reflecting accurately. While those months report ineligible payments were accepted. 

Thank you for your guidance and assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
RE : XXXX - New pertinent info. 

On, or about XX/XX/21 I received an email from Comenity Capital Bank stating that they closed and charged-off my XXXX account then sold the fraudulent debt to XXXX XXXX XXXX XXXX XXXX XXXX despite ongoing litigation. 

On, or about XX/XX/21 I called XXXX XXXX XXXX XXXX XXXX, but the representative I spoke with said, XXXX was not in possession of the account at that time. So, I advised the representative to refuse the account once presented because it is a fraudulent and involved in ongoing litigation. And, if XXXX does take possession of the account, Im going to name XXXX XXXX XXXX XXXX XXXX as a defendant during litigation as well. 

On, or about XX/XX/21 I received an email from XXXX XXXX XXXX XXXX XXXX stating that they had purchased the fraudulent XXXX account from Comenity Capital Bank, despite our previous conversation. 


Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
On, or about XX/XX/21 I received an email from XXXX XXXX XXXX  stating that they closed and charged-off my XXXX account then sold the fraudulent debt to Midland Credit Management XXXX Inc. , despite ongoing litigation. 

On, or about XX/XX/21 I called Midland Credit Management XXXX Inc., but the representative I spoke with said, Midland was not in possession of the account at that time. So, I advised the representative to refuse the account once presented because it is a fraudulent and involved in ongoing litigation. And, if Midland does take possession of the account, Im going to name Midland Credit Management , Inc. as a defendant during litigation as well. 

On, or about XX/XX/21 I received an email from Midland Credit Management XXXX Inc. stating that they had purchased the fraudulent XXXX account from XXXX XXXX Bank, despite our previous conversation. So, once again, I called Midland to explain the situation, but I was blown off by the representative I spoke with. The representative did say, Midland Credit Management , Inc. will investigate my claim and get back to me. Then, with some prodding, I got a response date of withing 90 days. 

So, holding true to my word, I am formally naming Midland Credit Management , Inc. a defendant. 


Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX www.midlandcreditonline.com

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Fraud alert placed on my account with XXXX. I Recognized inquiries on my report that I did not give permission to pull credit report. I Called the fraud department, the agent representative refused to investigate and delete unauthorized inquiries, although by law I have a right to an accurate credit report. 
The following are several inquiries transunion is allowing incorrect and unauthorized reporting to my credit. 
XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
2 transactions from Cash App were fraud. A person was impersonating as a social media influencer/to be somebody else who performs reading services which resulted in me losing {$130.00}. 

My bank XXXX somewhat tried to dispute the charges but Cashapp barely tried to investigate the matter which resulted in my bank having no choice but to close it out. 

I never received the services and my bank advised me to take care of this with Cashapp who refuse reinvestigate and closed out my Cashapp account without prior notice. 

Please keep in mind of the following : I have claims against Cashapp for violations of the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693, et seq., Cashapp unlawfully required a host of information to be provided as a condition precedent of opening or investigating a dispute or resolving a dispute in a consumers favor. 

The EFTA requires that a bona fide investigation be conducted once a bare minimum of information is provided by the consumer. 

Cashapps error resolution process violates the EFTA by explicitly placing the burden of proving the unauthorized transfer on the consumer ( and denying disputes on grounds that the consumer has not met his or her burden of proving that the transaction was unauthorized ). The EFTA requires the opposite, providing that Cashapp is liable for allegedly unauthorized disputes where Defendants can not show that the transaction was in fact authorized. 

cash app error resolution process also violates the EFTA because it deny claims without providing any explanation or providing to the consumer the documents Cashapp reviewed during the investigation. Both an explanation of the denial and a notice of the right to request these materials are required under the statute. 

The EFTA places sharp limitations on consumer liability for unauthorized transactions. For example, If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumers liability shall not exceed the lesser of {$50.00} or the amount of unauthorized transfers that occur before notice to the financial institution.. 12 CFR Sec. 1005.6 ( Liability of consumer for unauthorized transfers ). See, 15 U.S. Code 1693g ( Consumer liability ).

20

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Accounts XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # : XXXX, XXXX  XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX : unauthorized Inquiry,, XXXX XXXX : unauthorized inquiry,. 

Pursuant to 15 USC 6802 this is an official document to opt out the furnishing, publishing, and communication of all information regarding these accounts. Pursuant to 15 USC 1635 this is an official document to exercise my right of rescission, Nunc Pro Tunc for any contract, transaction, information, and my signatures associated with these accounts. Pursuant to 15 USC 1692c communication in connection with debt collection, this is an official cease and desist letter to stop all communication, furnishing, information and attempts at collecting for these fraudulent accounts. This is an official request and instruction to remove and delete all information regarding these accounts. I dispute under 15 USC 1692h all letters that these companies sent me have been abusive in some form or faction and these companies cant present evidence, whether they call themselves a creditor, third party debt collector or whatever, under federal rules of particular procedures 28 USC 3002 including 18 USC 8, if they're not a United States Attorney General or assisting the United States Attorney General, if they dont have litigation authority from a federal agency to collect a debt then this company is a private attorney. Cease and desist all communication and information regarding this account until they can present evidence of a contract to collect services in accordance with 31 USC 3718. Show me that they have established a contract with the treasury to collect debt, if not, then these companies are using abusive debt collection practices. Pursuant to 15 USC 1692g I submit that I no longer validate these alleged debts until they can show me evidence of the journal or ledger entries that shows that more debt exceeds the amount of credit gained on the account. I allege that these corporations have gained 9-10x the amount of debt established. If thats the case, then according to the Generally Accepted Accounting Principles I allege that I dont owe a debt and this information violates my consumer rights. These companies have been contacted and these companies information violates FDCPA and FCRA requirements. I am the original creditor. I am the consumer. 

Please Delete, Remove and Block All Information Regarding These Accounts Immediately. 

Under TITLE 1.81.5. CALIFORNIA CONSUMER PRIVACY ACT OF 2018 PLEASE DELETE ALL MY PERSONAL INFORMATION PURSUANT TO THE CCPA. 
RIGHT TO OPT-OUT OF SALE OR SHARING. 
PLEASE OPT OUT OF THE SALE OR SHARING OF MY PERSONAL INFORMATION. 
STOP SELLING AND SHARING MY PERSONAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi my name is XXXX XXXX and I have some unauthorized inquiries and accounts reporting on my consumer report. Remove these from my report as they are damaging my reputation as a consumer and natural person. A FTC reported will be uploaded with this complaint. 

This document has also been sent Certified mail to this organizations offices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Accounts : XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX : unauthorized Inquiry,, XXXX XXXX : unauthorized inquiry,. 

Pursuant to 15 USC 6802 this is an official document to opt out the furnishing, publishing, and communication of all information regarding these accounts. Pursuant to 15 USC 1635 this is an official document to exercise my right of rescission, Nunc Pro Tunc for any contract, transaction, information, and my signatures associated with these accounts. Pursuant to 15 USC 1692c communication in connection with debt collection, this is an official cease and desist letter to stop all communication, furnishing, information and attempts at collecting for these fraudulent accounts. This is an official request and instruction to remove and delete all information regarding these accounts. I dispute under 15 USC 1692h all letters that these companies sent me have been abusive in some form or faction and these companies cant present evidence, whether they call themselves a creditor, third party debt collector or whatever, under federal rules of particular procedures 28 USC 3002 including 18 USC 8, if they're not a United States Attorney General or assisting the United States Attorney General, if they dont have litigation authority from a federal agency to collect a debt then this company is a private attorney. Cease and desist all communication and information regarding this account until they can present evidence of a contract to collect services in accordance with 31 USC 3718. Show me that they have established a contract with the treasury to collect debt, if not, then these companies are using abusive debt collection practices. Pursuant to 15 USC 1692g I submit that I no longer validate these alleged debts until they can show me evidence of the journal or ledger entries that shows that more debt exceeds the amount of credit gained on the account. I allege that these corporations have gained 9-10x the amount of debt established. If thats the case, then according to the Generally Accepted Accounting Principles I allege that I dont owe a debt and this information violates my consumer rights. These companies have been contacted and these companies information violates FDCPA and FCRA requirements. I am the original creditor. I am the consumer. 

Please Delete, Remove and Block All Information Regarding These Accounts Immediately. 

Under TITLE 1.81.5. CALIFORNIA CONSUMER PRIVACY ACT OF 2018 PLEASE DELETE ALL MY PERSONAL INFORMATION PURSUANT TO THE CCPA. 
RIGHT TO OPT-OUT OF SALE OR SHARING. 
PLEASE OPT OUT OF THE SALE OR SHARING OF MY PERSONAL INFORMATION. 
STOP SELLING AND SHARING MY PERSONAL INFORMATION.

Company response to consumer: Closed with explanation