23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXXCollection Agency Address ] Subject : Dispute of Alleged Debt and Request for Debt Validation To Whom It May Concern, I am writing to formally dispute the validity of the debt you claim I owe. Under the protections provided by federal consumer laws, I am requesting debt validation and disputing any and all alleged debts associated with my name. This letter serves as notice of my dispute and as a demand for strict compliance with the law. 

Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), you have failed to provide the required validation information to substantiate the alleged debt. Additionally, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to properly dispute the account as required by law. 

Your actions, including the furnishing of this alleged debt to consumer reporting agencies without providing the proper disclosures required by law, constitute violations of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1661-5 2 ( 7 ) ( A ). These actions amount to false, misleading, and deceptive practices, which infringe upon my consumer rights.

In accordance with my rights under federal law, I am disputing the validity of this alleged debt. I also demand the following : XXXX. Debt Validation : Provide proof of the alleged debt, including a copy of the original agreement between myself and the original creditor. 
XXXX. Purchase Agreement : Furnish the purchase agreement or other documentation that demonstrates your authority to collect on this alleged debt. 
XXXX. Licensing and Bonding : Provide proof that your company is licensed and bonded to collect debts in my state. 

Furthermore, I hereby revoke any and all authorization for your company to contact me via phone calls, text messages, or emails, effective immediately. All future communication regarding this matter must be conducted through written correspondence sent to my mailing address listed above. 

Failure to comply with these requests or continued violations of my consumer rights will leave me with no choice but to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Please provide the requested information within XXXX  days of receiving this letter. If you fail to do so, I will consider this matter resolved, and any further collection activity will be deemed unlawful. 

Thank you for your attention to this matter. 

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

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX Account status Closed Date opened XX/XX/2018 This is an illegal account I feel I was a victim of the Equifax identity breach please remove this item from my credit the credit bureau 's don't seem to want to help
Product: Credit card

I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is shoeing late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX accounts . Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS OPEN WITHOUT MY PERMISSION OR CONSENT IM REQUESTING WRITTEN DOCUMENTS STATING THEY HAVE PERMISSION AND SIGNATURE AND CONSENT THAT THIS ACCOUNT WAS OPEN WITH MY CONSENT. REQUESTING TO DELETE/REMOVE PLEASE!! OR {$1000.00} PER ACCOUNT AND INQUIRIES!! 

XXXX XXXX XXXX XXXX OPENED ACCOUNT:XXXX  AMOUNT : {$1800.00} THESE ARE INQUIRIES THAT WAS PULLED WITHOUT MY PERMISSION OR CONSENT PLEASE DELETE/REMOVE OR {$1000.00} PER 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  PLEASE HELP ME REMOVE THESE FRAUD ACTIVITIES REQUESTING DELETE/REMOVE OR {$1000.00} PER INQUIRIES AND ACCOUNT. THESE ARE THE VIOLATIONS. 

15 USC 1681 Q - Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

15 USA 1681 B - A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. ( XXXX ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( XXXX ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer. 

15 USC 1681 S-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

RE : Estate of XXXX XXXX XXXX, XXXX XXXX, Trustee XXXX XXXX passed away on XX/XX/2019. XXXX XXXX is her son, sole trustee and beneficiary of her trust. XXXX has checking and savings accounts at Bank of America that are held by the trust. 

Penny 's attorney is XXXX XXXX in XXXX, CA. He is a certified estate planning attorney in the state of California. Mr. XXXX advised XXXX NOT to obtain a TIN or EIN for the estate, as he is the sole trustee and beneficiary. Therefore, the trust would pass from XXXX XXXX SSN to XXXX XXXX SSN. Obtaining a new TIN or EIN would trigger a new tax filing and additional expense to the estate. 

Since XXXX XXXX death, XXXX has sold her home, transferred her XXXX XXXX account in his name and closed her account at the XXXX XXXX XXXX XXXX. All using his SSN and the trust documentation prepared by XXXX XXXX. 

Since XXXX XXXX death, Bank of America has been nothing short of a nightmare. They require that you set up an appointment at their branch to start the process. XXXX did that, only to be met by a brand new employee who was absolutely unprepared for the appointment. Two hours later at the branch ... painstakingly working through the process with the various employees, XXXX thought they had what was needed. 

The next day, he received an email telling him his case was closed because the corporate office didn't receive the documents from the branch and XXXX didn't provide proof that XXXX as XXXX ( why would you with a death? ). This was unbelievable. 

XXXX was then transferred to a couple other people who in turn told him that there was no exception to their policy - he MUST get a TIN and they could not or would not use his SSN. They suggested we ask our lawyer to write a letter to the bank, or call them ( at our expense ). 

We are not sure if this is malice or negligence at this point. We have a valid trust, with valid legal advice that has been put in practice with a national escrow company, a national investment firm and a credit union to conduct business through to completion on behalf of XXXX XXXX XXXX estate. 

XXXX has invested approximately 15-20 hours at this point with Bank of America. The funds need to be released immediately.
Product: Credit reporting or other personal consumer reports

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Product: Debt collection

Pre- Arbitration Demand Notice Amount : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Agent : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Grant & Weber XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX I am writing to you as a consumer who has been wronged by the actions of XXXX and Grant & Weber Inc . I believe that XXXX and Grant & Weber IncXXXX Have committed a material breach of contract, violated the Fair Debt Collection Practices Act ( FDCPA ), and engaged in other wrongful conduct, which has caused significant harm and damages to me. 



I allege that XXXX and Grant & Weber Inc. have breached their contractual obligations by engaging in unlawful debt collection practices, which have caused me to suffer financial harm and emotional distress. Moreover, they have failed to investigate my dispute under the Fair Credit Reporting Act ( FCRA ). 



I have also been made aware that the which requires disputes to be resolved through arbitration rather than litigation. I intend to enforce this agreement and pursue arbitration in accordance with the terms of the contract and applicable law. 



Based on the above I demand {$10000.00} in compensation for the harm and damages suffered as a result of XXXX and Grant & Weber Inc. wrongful conduct. I urge you to take swift action to resolve this matter, as I believe that it is in the best interest of all parties involved. I reserve all rights and remedies available under the law and the terms of the contract. 



Thank you for your attention to this matter, and I look forward to your prompt response. Please be aware 10 days from the date of this letter if resolution had not been agreed upon based on this dispute a case will be filed with XXXX XXXX 



RESPECTFULLY SUBMITTED XXXX XXXX
Product: Debt collection

I have sent some debt validation letters and tried several times to dispute the debt to no update. T

hey have sent me a list of my medical records which is a direct violation of HIPPA regulations that I am fully aware of. I have not signed nor given authorization of a HIPPA form to have granted them access to this information. Please delete all this information from my credit file and cease immediately all collection activities from this point.
Product: Credit card or prepaid card

I filed disputes because my Chime card was declining on merchants end but I was still get posted charges for the transactions. I had to pay for the transactions by other means. On XX/XX/2023, Chime closed my account said I violated policies set in the terms and conditions. I didn't violate any policy because per the policies in an event like this, we're supposed to dispute and provide documentation and that's exactly what I did. Now my account is closed and whenever I'm calling, I'm being placed on hold and told I can't get my money until 30 days from now. I'm a single mother and the money in the account was all I have until I get my taxes back in XXXX. I'm now left with no means to pay any of my bills for next month, my kids schooling or even providing food for them. No one is trying to help me. I just want the account reopened or my money by the end of this week, in no way will I wait until another month to get my money back.
Product: Student loan

I XXXX XXXX attempted to pay my student loan on XXXX XXXX for XXXX which would have paid off one of my student loans. I waited for the money to be taken out of my account, and it even said processing, but then the payment said payment reversal, and the money was never taken out of my account. After this, I sent EDfinancial an email explaining the situation and letting them know I would try again and wait for the response and if I did not hear back from them or if my payment got reversed again, I would be reaching out to you guys. I attempted to pay my student loan again on XX/XX/XXXX for the same amount. This time the payment went all the way through and said received however, I looked at my account, and the money had not been removed and then upon looking at my student loan account today the loan is back on my account and says I still owe money and the money is still in my bank account. The minimum balance was e accepted on one of my loans, so only part of what I submitted was received, but the rest of my payment was reversed.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Equifax, and XXXX not to dispute the bankruptcy I found in my credit report but to ask which methods they used to verify that information. I have not received any response so I sent another letter letting them know about my first letter but still I have never received a response so I sent my third request and still no response.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was buying a XXXX XXXX baby and was scammed out of a XXXX dollars tried to get back the money 8 different times and was told no asked why and couldn't be told
Product: Debt collection

I had cancelled bottled water service with XXXX. They said they would come by and pick up the water cooler and XXXX remaining empty bottle. They would send me a final bill. 
Within a month i received a collection notice from Collection Bureau Of America for {$340.00}. 
I called them and they said I needed to return the cooler and bottle and then pay the balance. They would not know the balance until I returned the items. I called XXXX to ask what happened and they do not have my information any more and I need to call the Collection company to find out where to return the items. I called the collection company again and they gave me an address but did have a phone number!. 
This is now showing on my credit report as a collection item when XXXX was supposed to pick up the items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Product: Checking or savings account

I became a victim of identity theft and filed a police report in the beginning of XXXX. I have been to TD Bank to sign my signature for paper work for the fraud department. I have been dealing with this for 6 weeks and TD Bank has been holding my funds, not letting me know what is going on with my money. None of my money is in the accounts. After filing for for fraud, the staff at TD Bank told me that I had 30 days to open a new account for my money. I did just a few days later when my accounts were frozen, the new ones were frozen the very next day from when I opened them. I am getting different stories from TD Bank staff. That I have shouldn't of opened one, and then another bank manager tells me that I needed too. No one knows what is going on with my complaint, I have no money to run my business and I can not pay my staff. I am on 6 weeks and my staff is about to leave and I am about to lose my business.
Product: Credit reporting or other personal consumer reports

I had paid this account in full once I realized the original creditor was mine. I need this now removed off of my credit report please in a timely manner as company agreed to remove the collection account upon me paying off the debt completely. Im in process of trying to buy a home and need this removed. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account has violated my rights. 

15 U.S.C. 1681 section 602 ( a ). States I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) Section 2 also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

I am furious that this second mortgage was not forgiven after the whole predatory lending fiasco in the early to mid XXXX era. Most second motgages were forgiven as part of a settlement however this loan was sold and improperly and fraudulently switched to seem as if it were a first loan, avoiding the forgiveness process. 
I have paid over {$100000.00} on a {$65000.00} second mortgage and now they want the entire balance of {$51000.00} paid by XX/XX/XXXX. This has to be illegal! 
I don't want to pay them another dime and want this loan forgiven and all that I have paid to them refunded to me. 
The current company, which is probably the fifth, is XXXX XXXX ( PHH ) and the account number is XXXX. XXXX XXXX XXXX, XXXX. XXXX, NJ XXXX. Tel - XXXX. 
I have made numerous attempts to deal directly with the bank however with all of the changes in the companies, who can keep explaining this to non caring individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 account was reported delinquent 1666a-1666b states that a creditor can not treat a payment on a credit card account as late for any purpose. I have tried to reason with my current creditor. I have a right to privacy These late payments have stopped me from getting approved for things I need to take care of my family This account reports late every month
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a letter to Transunion advising them of several addresses and information about my employment that were on my credit report were fraudulent and they need to be removed these addresses are XXXX XXXX XXXX XXXX nc XXXX, XXXX XXXX XXXX XXXX Nc XXXX, XXXX XXXX XXXX XXXX nc XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX. I also have never worked as a self employed person or at a company called XXXX XXXX .... at the time I sent an affidavit letting them know that this information was incorrect and my drivers license with my correct address [ XXXX XXXX XXXX XXXX, NC XXXX ] I also called Transunion on several occasions to have all of the false addresses removed. I have discovered that since XXXX fraudulent accounts have been opened at the fraudulent addresses and I am doing all I can to stop all of this stuff I sent the original affidavit to transunion so I have had to fill out another one but I am submitting it to you today so that you can hopefully assist me in getting this corrected immediately this is just one of many issues I have had since discovering these issues. also I have tried to address inquiries that were fraudulent from XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX.
Product: Credit reporting

Experian Credit Bureau has allowed the " creditor '' XXXX XXXX XXXX to continue to reporting negatively on my credit report even after I have disputed this account several times. Both parties have failed to provide me adequate information to validate or verify this account. So I want it deleted from my report immediately. I have done my very best to keep my credit in good standing and this negative information does not help my credit file.