23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I do not know the actual legal name of the person contacting me, but they are leaving voicemails saying they will serve me at my job or home with court documents and if i am not home will deliver the papers to my supervisor. I do not authorize such actions and i do not agree with this debit. I have no signed contract with this company, and they have failed to provide me with a signed contract i have with them saying i agreed to this debit with their company directly.  Ad Astra  refuses to VALIDATE this account. I received no documentation validating this debt as legally requested The right of subjugation does not exist for a stranger to the transaction.  73  AmJur  2nd, Section 90.  This company is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Where are the documents that you used to verify/validate these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.  Black 's Law Dictionary, 9th Edition, 2009,   defines  " Verify '' as, 1 )  " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. ''  2 )  " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and "  Verification ''  as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st h and knowledge of the alleged accou nt ( s ) an d all that has ever transpired for the alleged accou nt ( s ) , under oath and under the penalty of perjury. As I am sure that you are well aware, curre nt Federal case  law states th at, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on  and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a  " Reinvestigation '' tha t merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations impose d by 1681 ( a ) ( 4 ). This is a request for VALIDATION. Provide me proof I have a signed contract with your company . Also provide every single debt statement i had through the course of the said account. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Product: Mortgage

WE ARE BEING THREATENED WITH FORECLOSURE AS OF XX/XX/2020. THE HISTORY OF PROBLEMS WITH SPECIALIZED LOAN SERVICING CAN BE FOUND HERE WITH CFPB. 
WE HAVE NUMEROUS TIMES REQUESTED TO SEE OR GO TO LOCATION TO VIEW THE ORIGINAL LOAN DOCUMENT THAT SLS SAYS IS BEING KEPT BY A CUSTODIAN AND REFUSES TO NAME CUSTODIAN. 
WE REQUESTED A NOTARIZED OR CERTIFIED COPY AND WE ARE REFUSED THAT TOO. DURING THIS TIME A FORGED HOME EQUITY CREDIT LINE AGREEMENT AND DISCLOSURE STATEMENT WAS CREATED BY SLS FOR THE PURPOSE OF FRAUDULENT ACTS AGAINST US. AN EMPLOYEE PROVIDED A COPY OF THE FILE BEFORE IT WAS COMPLETED THAT SHOWS THE FILE PRIOR TO THE FINISHED MERGER OF LAYERS AFTER THE RUBBER STAMP IMAGE WAS INSERTED. WE HAVE ASKED FOR AN ATTORNEY TO CONTACT US FROM  SLS AND THEY REFUSE. WE CONTACTED AN ATTORNEY LISTED BY THE STATE OF COLORADO AS WITH SLS AND HE DID NOT CONTACT US AS WELL. 
WE HAVE OTHER EVIDENCE TO SUPPORT THE ACCUSATIONS OF FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inform you that I am identity theft victim because these accounts in my report are not mine. I tried to show my report to my friend and to figure out what is that and he told me that its common practice that bureaus putting somebody else accounts or simply that someone just used my personal information and managed all of this or its error in reporting. So please could you figure out why I have these items in my credit report as I do not know them and I do no recognize them and I have nothing in common with those items. Its very sad that I also faced this problem however I hope that you very soon reinvestigate and delete them from my credit report. I hope for understanding ) Thank you!
Product: Checking or savings account

On XX/XX/year>, both of my bank accounts were debited by bank of America, by an amount of {$8200.00} in checking which received last week & by an amount of {$79000.00} ( overdrafts by {$1.00} ) which cashier check have not received by me. ( See all attachments )
Product: Checking or savings account

On XX/XX/XXXX, I went to XXXX to send money to my brother in XXXX. Because I am not on his visitor 's list it said I couldn't send him money, but the money was still taken from checking account. 

I called XXXX about a refund and was told it was being processed. I was given a confirmation # that doesn't match and records of XXXX. They have no record of the transaction. I googled the name of the creditor it shows on my statement and find that it is a fraudulent company. 

Comenity XXXX XXXX Web Payment XXXX is how the charge shows in my account. The amount is {$30.00} and the amount is {$30.00}. 

I bank with XXXX and the last 4 digits of card used are XXXX. The card has since been cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started XX/XX/2023 I have called I have mailed letters to XXXX asking them to take the things off of my report that is fraudulent, which is the inquiries on my report they have yet to do that. Also in the last case they stated the US BANKRUPTCY COURT provided them information about my filings and that is False. I have sent transunion a copy of the bankruptcy court letter, and I will upload my letter to this claim. I have filed a police report i I also sent a copy to XXXX and I will upload it to this claim. XXXX have violated my rights as a consumer. And when I call to talk with someone they get really aggressive with me, mainly the supervisors. All I want is whats right! The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) if i dont get the right resolution after this claim I would like the CFPB to help me file a lawsuit against XXXX and XXXX XXXX that has violated my rights!! I have followed every procedure transunion has asked me to do but they have not been following the laws.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX
Product: Debt collection

I have not done business with calvary portfolio service. I do not have a signed contract with calvary porfolio. I have the right to demand to see a signed contract between calvary portfolio and myself. I have seen two different accounts with them.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 
XXXX XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

My account with those accounts 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 those account 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.

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: Credit reporting

I have a public record / judgement on my credit report which does not belong to me. This public record has kept me from financing my home, and has even kept me from getting a job. On XXXX XXXX, 2015 I appeared in court before a judge to clarify the judgement was not mine. On this day I was given a court order specifying that the judgement belongs to an individual with a social security ending in a sequence of numbers which does not match mine. After sending a dispute to Experian I was told the negative listing can not be investigated because I did not include my entire social security. ( I sent my last XXXX, name and address ) This issue continues to keep me from doing the most basic things in life like purchase a car, a home, or even get a job. Please Help! 

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

please i had Fraud Alert on my credit Report and i received Alert email from XXXX XXXX someone applied for some Credit type and already contact bank of america and complaint and deactivate credit card to replace and change user and password and now i'm asking to remove Unauthorized hard inquiries from my report XXXX XXXX XXXX XXXX - XX/XX/2018 - XX/XX/2018 - XX/XX/2018 due to Unauthorized and Fraud alert already on my report sine two month ago and i already contact them
Product: Checking or savings account

Chime asked me to send documents to show unemployment from Michigan for last year but I wasnt staying in Michigan. They are asking about a lump sum I received from PUA 2020. I sent that letter to state that I currently was eligible for those funds and released it! Chime found it unusual activities and asked to upload documents. I sent everything they asked for, plus utilities, lease, redetermination letter for PUA, my lease and ID. I sent this multiple times for days because they keep sending me to the same emails stating that they have not received it. Ive sent this information to all Chime support, review @ chime, outreach @ chime, used the link they sent me and through their support for requests. They suspended my account when Ive sent all documents. I called customer service and they said they dont see the documents Im uploading on the link but they see the screenshots stating they have received the documents and they will escalate. Then they sent these same emails that they have not received it. Customer agents are limited and very rude!!! They wont fix anything. Im XXXX and need all my money. May you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly a current balance of {$22000.00} on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account is reporting an opening date of XX/XX/2010 and a current balance of {$22000.00}. First, I have been making monthly payments of {$440.00} on this account for the past several years totaling well over {$45000.00}. Second, the balance reporting is incorrect and needs to be updated to report a {$0.00} balance. Third, this loan was for a modular home that I purchased. During this most recent hurricane my home was severely damaged and deemed a total loss. Consequently, I voluntarily surrendered the home. Any remaining balance due on this account would have been covered by FEMA because the home was deemed a total loss from a natural disaster. This inaccurate reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

I just found this company reported on my credit report. I also did n't receive any right to dispute, any validation or verification of debt from this company or any of the previous companies. Tried to find out about this debt from the original company, since finding it on my credit report a few days ago, who could give me no information on this debt except to inform me that it was owned by a different company last they were aware of it. This debt has been sold over and over and had been previously removed from my report due to not being validated as being mine ( I have had my ss # personal info used before by someone other than me, so any debt needs to be shown to actually be mine ) previously by a different company. Now it has shown up again be a company who bought it, I assume, who has had no contact with me.
Product: Debt collection

I am submitting this request due to LVNV Funding erroneous reporting onto my credit report. I have never conducted business with this company by the name of LVNV and from my understanding on the research I've completed they're a debt collector whose falsely attempting to collect a debt that isn't theirs. I've requested that LVNV provide proof of this alleged debt. By Proof I am requesting the ORIGINAL APPLICATION/ CONTRACT and NOT some copies that they've received and purchased for little pennies and trying to get substation-ally amount of hundreds of dollars BUT A INSTRUMENT BEARING MY SIGNATURE WITH LVNV FUNDING Reference Number : XXXX. In addition please provide the contract signed between LVNV AND XXXX XXXX XXXX  ; a notarized and sworn under penalty and perjury for LVNV FUNDING to have the ability to collect this alleged debt. 

Debt collectors/ BUYERS are not CREDITORS, therefore they're in violation of FDCPA. Please also provide to me where it states debt collectors are ABLE to collect debt that ARE NOT theirs. They are being WILLING-FULLY non compliant. This is inaccurate reporting! AND PER MY RESEARCH According to 15 USC 1681e : Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAX POSSIBLE accuracy of the information concerning the individual about whom the report relates! I BEG OF YOU TO INVESTIGATE THIS CONCERN BECAUSE THIS IS REFLECTING MY LIVELIHOOD. THANK YOU IN ADVANCED
Product: Credit reporting or other personal consumer reports

I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved.
Product: Credit reporting or other personal consumer reports

I have attempted to remove a paid account from my credit report many times. I have disputed with XXXX XXXX many times and it comes back as correct. The account was settled-less than full balance. When I set up the payment back on XX/XX/XXXX they agreed to remove it from my report. The account is an automobile loan that was paid for my insurance due to an accident. Due to the speed of the payment for the car and insurance information, it was still claimed in our possession for 2 months which resulted in the loan not being paid off fully. The account listed on the credit report is named Creditacpt which was reported last on XXXX. XXXX, XXXX. Status is closed {$0.00}. Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX 72 months. Account XXXX : Derogatory Type : XXXX. Responsibility : Contractually Liable. Remarks Closed Settled-less than full balance. XXXX XXXX. XXXX, XXXX. 
Creditor Information : Creditacpt XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ( XXXX ) XXXX. 

This is all the information that is given to me from the XXXX XXXX report, I have tried many times to get them to remove it but they send it back as correct.
Product: Credit reporting or other personal consumer reports

Specifically, 15 USC 6802 defines a " charge-off '' as a " certificate of indebtedness ''. meaning it should not be reported on my credit as debt.

Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B stipulates the necessity of eliminating any inaccuracies from my credit report. Could you verify the documents? Some listed accounts are inaccurately reported. I'm entitled to {$1000.00} for each erroneous entry on my credit file.
Product: Checking or savings account

On Monday, XX/XX/2022 I reached out to Chime BankXXXX and requested a letter for my visa application. The letter was to explain that I indeed to have a bank account that's currently active, with funds that are deposited weekly from my employer and that I do have the means to funds while on my trip to XXXX. XXXXne week goes by, two weeks go by and now three weeks have gone by and no response. I called the reached out to Chime on Tuesday, XX/XX/XXXX via XXXX  to ask if there was anything they could do on there end, to see what's happening with the letter. They asked for my Chime $ sign which is your username that's unique to you. If someone, anyone wanted to look you up by your Chime $ sign, they can find you. What they didn't tell me is, you have to unlock the feature via your mobile device. The response through XXXX was, they could not find me and that I should email customer care or give them a phone call. I called Chime on Wednesday, XX/XX/2022 and spoke to a representative and didn't get much help. I called on Saturday, XX/XX/XXXX and was given a small piece of information but nothing that I could really use. Then finally, I called back again after getting the wrong information via email on Sunday, XX/XX/XXXX and XXXX, I can still remember his name was the one that helped me the most with the information that he gave me. He simply told me to email the company and request this information and that exactly what I did. The only thing I received from the company was an automated response stating they received my request and that they were working on it. I again reached out to Chime via XXXX today to ask if I can talk to someone and express my disappointment that I have with Chime and the customer service that I have been not receiving and that hit a dead end as well. I will be changing banks but for the mean time, I do need that letter. This is the worse experience that I've had with Chime. They were perfect in the beginning but I guess all mask have to fall off sooner or later. This just was not what I expect from a bank that's not a big box bank like XXXX, XXXX or XXXX XXXX. This is actually what I expected from them but never from Chime.
Product: Credit reporting or other personal consumer reports

I had several XXXX XXXX XXXX  ( XXXX ) credit cards that were cancelled by XXXX for fraudulent use reasons, not generated by myself. I called XXXX, who said they indeed cancelled those cards. Credit cards ending in XXXX, XXXX, XXXX and XXXX. 

XXXX reissued a new credit card ending in XXXX replacing the ( XXXX ) cards. 

Experian still carries the original ( XXXX ) cancelled cards as open with balances due on them. 

Ironically, Experian also carries the replacement card with a balance due, as well, which is fine. 

I need the initial ( XXXX ) cards removed from my Experian XXXX XXXX XXXX. I write letters and call them and still nothing gets fixed, Also, my XXXX XXXX payments are monitored by ( XXXX ) companies, who report this information to the credit bureaus on a regular monthly basis, but do not appear as recognized by Experian. The reporting companies are : XXXX AND XXXX XXXX 

Additionally, XXXX XXXX XXXX XXXX ending in XXXX was cancelled by the issuer, XXXX, and replaced with card ending in XXXX. The cancelled card number shows on my Experian report yet, but not the replacement card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, LA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$2400.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like XXXX and Experian to take a look at XXXX XXXX credibility. They are reporting to XXXX that om XX/XX/XXXX my balance was {$350.00}. They are also showing no late payments and that I made a payment but my balance is still {$350.00}. How can my balance in XXXX be {$350.00} and I made a payment on XX/XX/XXXX and my balance still be {$350.00}. This is what they reported to Transunion. Then they told Experian that on XX/XX/XXXX my balance was {$440.00} and I had made a recent Payment of {$40.00} however on they payment sheet with Experian they show no payments. Then they told Experian that on XX/XX/XXXX my balance was {$350.00} and I made a {$90.00} payment. Then they told Equifax that my balance as of XX/XX/XXXX is $ XXXX They have made 4 completely different reports to all 3 credit bureaus. How can they be allowed to keep their trade line n my credit report when thy are reporting all these different things. Which version of their incorrect reporting are we superposed to believe? see attached documents from Experian, XX/XX/XXXX and XX/XX/XXXX.