23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a formal complaint regarding the debt collection practices of LVNV Funding LLC and related entities. On XX/XX/year>, I initiated contact with LVNV Funding LLC by sending a letter to request validation of a debt, verification of ownership, and proof that the debt is indeed mine. I also explicitly requested that LVNV Funding LLC refrain from further collection activities until these verifications were provided. Following my initial communication, I received collection notices from various entities, including XXXX XXXX and Resurgent Capital Services, which created confusion and uncertainty regarding the legitimate debt collector and the amount owed. On XX/XX/year>, I received an email from XXXX XXXX, indicating an outstanding debt of {$1600.00} attributed to LVNV Funding LLC, adding to the confusion. On XX/XX/year>, I received a collection notice for a different amount, {$2000.00}, with an attached statement from XXXX XXXX that did not provide a clear breakdown of charges or a valid explanation for the amount sought. In the same correspondence, an " account summary '' indicated that LVNV Funding LLC was the purported owner of the debt. This pattern continued when, on XX/XX/year>, I received another collection notice, this time from Resurgent Capital Services, also demanding {$2000.00}, with the same account summary and credit card statement, causing further confusion. Most recently, on XX/XX/year>, I received an email from XXXX XXXX, once again seeking a payment of {$2000.00}. Throughout this entire process, I have not received the requested contract, statements detailing the balance due for specific charges, proof of debt ownership, or proper validation of the debt in question. I am deeply concerned about the irregularities, discrepancies, and apparent violations of the Fair Debt Collection Practices Act ( FDCPA ) that have occurred during this debt collection process, including the failure to provide proper validation of the debt, communication from multiple entities on behalf of LVNV Funding LLC, and the lack of clear, transparent, and detailed account statements explaining the balance being sought. I believe that these actions and practices may constitute violations of my rights under the FDCPA and related consumer protection statutes. Therefore, I am filing this complaint to request a thorough investigation into these matters and to seek resolution in accordance with the law. I kindly request that you review the attached documentation and any further details necessary to assess and address these concerns. I remain committed to resolving any valid financial obligations I may have, but I insist that all collection activities are conducted within the boundaries of the law and with full transparency. 

They have sent statements of a debt, but have yet to provide the assignment contract or the copy of the contract.
Product: Debt collection

I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX, 2021, fraudulent wire transfers were initiated by cyber criminals from our Wells Fargo accounts and all our funds and life savings from our savings and checking accounts in the amount of {$64000.00} was wire transferred to XXXX XXXX XXXX XXXX. 
We found out on XX/XX/2021 that all of our money is gone, we immediately reported it to the fraud department of Wells Fargo, the bank did not get our money back with a swift recall in a timely manner and informed us the the money is gone from the recipient, XXXX XXXX XXXX, and also denied our claim for wire transfer fraud. 
We have no idea how our Wells Fargo accounts were breached, why the bank did not inform us of suspicious activity in our accounts? What IP address was used by the criminals to access our accounts? No money transfers were ever initiated by us throughout our 15 year banking history with Wells Fargo., All of a sudden all our money is being transferred and the bank did nothing to alert us and no red flags were raised? 
No one at Wells Fargo has bothered to answer any of our questions, what investigation have they done for fraud? 
Why we didnt receive any warnings, emails or texts to alert us on the transactions in a timely manner? All we got from Wells Fargo is denial form letters with no signatures, we are confused and distraught and they are giving us a run around and treating us, their customers, in a very unfair and condescending manner. 
We are disputing and appealing the denial, we hope that Wells Fargo will do the right thing and investigate this fraud. Their own bankers have told us that wire fraud is an ongoing issue at the bank, why there was no cybersecurity services to proactively safeguard our accounts and improve our security posture. We trusted our bank to safeguard our money and they failed us.
Product: Debt collection

XXXX XXXX XXXX put a collection that is not mine
Product: Credit card

I tried to do these disputes online but it wouldnt go through. So then I tried to call but I couldnt get ahold of someone. All I ask is to dispute these transactions that are not mine and issue me a new card please XXXX XXXX XX/XX/year> {$270.00} XXXX XXXX XXXX XX/XX/year> {$50.00} XXXX XXXX # XXXX XX/XX/year> {$55.00} XXXX XXXX XXXX XXXX XXXX ... XX/XX/year> {$65.00} XXXX XX/XX/year> {$200.00} XXXX XXXX XXXX ... XX/XX/year> {$52.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Account : XXXX Disclaimer : I am a real person not a credit repair agency. My previous dispute was not corrected and by FCRA Law you are required to address my concerns. This is " NOT '' a goodwill request. 

I, XXXX XXXX XXXX, previously tried to have one of your Sr. Representatives, XXXX look into my claims and was accused of requesting a goodwill request. 

The 90-day late payment being reported on my credit file is inaccurate. Your agency is reporting this late payment 12 times on all 3 credit report agencies as closed. Also, a new Loan for {$85000.00}. Which is showing as 13 student loans.

I requested a copy of my student loan statements. In the statements it is showing that I requested a forbearance ahead of time in XX/XX/2019 and the request was approved. 
I am fully aware that I owe student loan and signed a promissory note. My grievance is that you are reporting inaccurate information on my credit report. 

Attached is the loan statement history, how my credit file is being reported, and proof of my identity. 

I just want this error to be corrected. I am sending this request via the CFPB and the attorney general office. Because trying to contact customer service is not ideal, where you dont get any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has reported an outdated balnce to 3 CRAs since XXXX. XXXX XXXX reports the alleged debt as collections. XXXX XXXX has not provided written contract with my signature. The alleged amount has been paid by the federal government and this company is trying to collect the same amount from me. On or around XX/XX/XXXX, I requested a reasonable review within 15 days to remove the derogatory remark. The last letter I sent was to its PO box in XXXX, Florida. I have not received a response from the company within 30 days of receipt of my debt validation letter.
Product: Credit reporting or other personal consumer reports

I did not make these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

We had a secured loan with One Main. We paid one off, and they told us they could give us a better deal by giving us an unsecured loan. We did n't know how much the interest was because they kept talking to us about how they would help my husband and I with improving his credit because he had an issue with XXXX. I was not employed but they used my better credit rating to give him a loan with us together. We never were able to see the amount on the loan with interest but since I had XXXX, had a XXXX visit thinking it was a XXXX XXXX last XXXX we ca n't keep up with the amount of interest that we are paying and we got behind on the payment amount because they are charging us over {$400.00} a month and we have nothing left for food or for emergencies. We do not get food stamps as we do not agree with doing that, we try to pay our bills. We have more than paid back our loan amount and this company calls twice a day to both of us. I have XXXX and do not even want to answer my phone since I have only been employed as a painter and the weather has been too cold to do that. It 's a reasonable amount of money but it is by the job and I have only a few hours in on the job since XXXX. One Main keeps piling on the fees and the amount owed and we can not catch up to what they say we owe on our amount owed this month. It 's showing near a {$1000.00} or probably more now. We have paid regularly to them but it is never going to catch up. We received in the mail a letter saying to come into the office and they would be willing to help us lower our interest rate, and they would help us with making our payment better. We called and made the appointment the night that the letter came in the mail and went in the next day. We were very punctual and tried to get our payment lowered but the only negiotating they did was to renew our information and they tried to get us another loan, which we did not want. and they ran the loan anyway but would not give us one.Unless we get the loan reduced to an amount we can afford we ca n't pay our bills or even go to the doctor or see a dentist with the amount that we currently have to pay. The offer we were extended after they told us that we were n't currently eligible for a 30 % loan rate was for us to pay an additional {$200.00} per month on top of the amount we were already paying. We are behind on our utilities due to trying to pay this large bill and we want to catch up on those. We will try to get a home mortgage if this One Main Financial has not totally ruined our ability to get a home loan. They also sent us to their good friend at XXXX XXXX to get a loan. Beware of both of them. We have been in contact with a lawyer and will be deciding what we need to do next. We have been called twice a day, both of us at separate numbers. We also were left messages saying we have to call the manager. They never said, " or Else '' but it was made to sound like it was call or else something bad will happen next.
Product: Credit reporting

I am trying to get my Credit report from Equifax but was unable to get over their automated system then told to go to automated system by live representative and did not want to give me my report.
Product: Credit reporting or other personal consumer reports

Re : Request for Immediate Correction of Inaccurate Information on My Credit Report I am writing to bring to your attention that you are continuing to furnish personal information on my credit report that is inaccurate, does not belong to me, and is not compliant pursuant to the Fair Credit Reporting Act ( FCRA ). I had previously submitted a letter dated XX/XX/2023, challenging these inaccuracies. Please find the original letter attached for your reference. 

Upon reviewing my most recent credit report, I was dismayed to find that the incorrect information is still being reported. This is unacceptable and needs to be rectified immediately. 

Personal Information for Experian NAME : XXXX XXXX XXXX XXXX The only name I go by is XXXX XXXX XXXX Please remove any name you have in your system that does not match XXXX XXXX CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The only residence I reside at is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove any address you have in your system that does not match XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
Fraudulent/Negative Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX and XXXXXXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

DISCOVER BANK ONCE AGAIN IS IN VIOLATION OF FDCPA AND TCPA ETC ... HAS SUBMITTED UNLAWFUL LAWSUITS TO US AND HAS ONCE AGAIN AUTHORIZED COLLECTION AGENCIS TO HARASS US. THIS DEBT BELONGS TO XXXX XXXX XXXX, XXXX AND EX FAMILY MEMBER.
Product: Debt collection

I sent I C Systems a debt validation letter on XX/XX/XXXX requesting that they send validation to me, they received the letter in XX/XX/2020 and to date did not respond. this collection account was on my credit report under a different collection agency before who I disputed and was able to get it removed from my credit reports, that previous collection agency had my current address because I was communicating with them and got the account removed, in XXXX I see I C Systems reporting the SAME DEBT TO MY CREDIT REPORT. I did not get a notice of the debt in the mail and i know they have my current address because they bought the debt from the previous collection agency and that agency would have given them all information they had to verify me AND the debt and for them to communicate with me, but I C Systems failed to do that. I sent them a debt validation letter, remind you I had to get their address from the listing on my credit reports NOT from them which is a shame, its been a month since they received my letter and to date I still have no response, no validation absolutely NOTHING! I cant even go on their website to see the account information because I dont have the full account number which I would have to get from them, I shouldnt have to call them, they are a debt collector they arent on my side and will try to tie me to a debt they dont even know I owe and neither do I. I want this account removed from both my XXXX  and XXXX  credit reports immediately
Product: Mortgage

For over a year my insurance company faxed proof of insurance to Ocwen our county provided them with proof of address changes on our street I have copies of all of it Ocwen placed forced insurance and will not refund I am XXXX and cant leave my house they wont allow me to make online payments they wont allow me to set up the npaymwnys due for XXXX and XXXX thus making me 3 months delinquent they want all amounts due plus another XXXX for insurance
Product: Debt collection

Collection agency reporting {$2900.00} as Open Account, & under collection accts ( XXXX ) times on credit report along with Original debtor Target/XXXX also reporting, {$1900.00} as charge off. This is reported XXXX on credit report.
Product: Credit reporting

I made a purchase of {$60.00} on XX/XX/XXXX using my Citibank personal credit card. That is the only purchase I made on this card in the last three years. As this card is used quite infrequently ( mainly as an emergency/backup card ) I relied on a statement to remind me that a payment is due. I did not have any alerts of payments or links to access statements made available to me by the bank. I proactively tried to access the account online on my own accord on XX/XX/XXXX and found that I do not have the online credentials to gain access to view transactions and statements. When I called customer service I was routed to collections department and informed of the delinquency arising from the XX/XX/XXXX purchase which, now had attracted a substantial penalty and had inflated to {$160.00} in total outstanding. Furthermore, this 'delinquency ' led to a negative impact on my credit score. All this happened without Citibank bothering to make a courtesy notification to me, a Citigold ( privileged banking ) customer in all these months to let me know of an outstanding amount that needed to be taken care of. All this makes me feel that there is an unfair and deceptive practice ( UDAP ) in play here where the bank is deliberately keeping its long-standing, 'appreciated ' customer in the dark about amounts owed and not being proactive about understanding that customer does NOT have access to their statement. And this payment of ~ {$160.00} also was made on the basis of verbal communication of amount owed via the telephone call as I do NOT have access to my written statements. Bank representative called this a 'bank error ' on XX/XX/XXXX and asked me to call back after the payment has posted. When I called back today, XX/XX/XXXX, bank is refusing to pull back this hit on my credit report. 
An identical situation arose with this very same card in XX/XX/XXXX resulting in a negative impact on my credit score. At the time I had requested the bank to set up alerts so I can be notified and reminded to make any payments that may be owed via this card in future. When inquired I was told that no such alert request had been made. I did make this request, as it was made over the phone. Please help! Thank you.
Product: Credit reporting or other personal consumer reports

I have recently filed disputes for the items listed on my credit report, and I have serious reservations about the adequacy of the investigation conducted by your company. It appears that the fraudulent inquiries and accounts, which have also been reported to the FTC, have not been removed. Moreover, the documents I provided as evidence to demonstrate that these items do not belong to me have not been taken into proper consideration. 
In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ) ( 1 ) ( A ), it is mandated by federal law that your company must undertake the physical verification of the original signed certified consumer contract for all accounts that are submitted for posting or reporting on a credit report. Given the evident discrepancies in these accounts, I urge you to act promptly by deleting them from my credit report. 
The FCRA stipulates these actions as necessary to rectify the inaccuracies and ensure compliance with federal law. Therefore, I expect an immediate resolution to this matter, which includes the removal of these disputed accounts from my credit report. 
XXXX
Product: Mortgage

Fell behind in my mortgage and was facing foreclosure when I got help in paying all back payments, fines and fees. the mortgage was purchased by SN servicing corporation from XXXX. I thought I was starting with a clean slate but when I got first statement there was an extra $ 1000+ attached in what they described as lawyer and foreclosure fees that had been paid. they said that they weren't included in the payoff even though they had plenty of time to do so, Then the next month they hit me with a {$350.00} legal assessment fee. For what? I have no idea. They also raised my mortgage over {$200.00} citing low escrow. I paid XXXX mortgage by sending money order because I was locked out of there portal to pay. talked to an XXXX XXXX who reassured me that he would fix that, at that time I made the XXXX payment over the phone using my XXXX account which is backed by XXXX.i thought that was it. a few weeks later I noticed that the money was still in account. called them up and talked to a man that said you can not use XXXX to pay mortgage. I told him that I told XXXX it was a XXXX account and he had not informed me, so I then got on their portal and paid from my normal bank, once again a few weeks later I notice money is in there. I emailed XXXX and he informed me that my account was non existent. I double checked my account and routing numbers and they are correct. I also found out you can pay with XXXX they lied. I contacted his supervisor and I am still waiting to hear from him. during this time they have assessed me late fee charges, returned check fees and I assume my credit score will take a hit for late payments. the only way to pay mortgage through them is with bank account on their web site. they don't accept debit cards. It is like they are setting you up to fail.I have had nothing but trouble since the moment they took over my loan. they are not a mortgage company and should stop trying to be XXXX. I know this is just going to continue over and over again. This has caused unneeded stress in my life. I finally get my mortgage straightened out and then I have to deal with their XXXX.