23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sir/Madam, I am writing to report a violation

committed by LVNV Funding , LLC, regarding the handling of an account placed on my consumer report. LVNV Funding, LLC has failed to provide validation information for the collection account in question, as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite multiple requests for validation, they have not provided any documentation regarding the validity of this debt. Furthermore, I have not been given the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of opportunity to dispute the account directly contradicts federal regulations and my consumer rights. Additionally, LVNV Funding, LLC has engaged in deceptive practices by furnishing this account to consumer reporting agencies without providing the necessary disclosures required by law. This action violates 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). I urge LVNV Funding, LLC to rectify these violations immediately and provide the required validation information for the disputed account. Failure to do so will result in further action being taken to ensure compliance with federal regulations and to protect consumer rights. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

My payment history is misrepresented on my credit report. Requesting correction of late payment errors.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRIES : XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year>
Product: Debt collection

Someone has stole information about the business, and fraudulent applied for a loan using both of the owners. The business has been closed since late XXXX. We are a victim of ID Theft, notice of furnishers, and our ID Theft Affidavit is attached! 

Please send all communications XXXX XXXX XXXX XXXX XXXXXXXX TN XXXX - stop cold calling me, and texting me.
Product: Credit reporting or other personal consumer reports

Ive been dealing with the identity theft from my XXXX XXXX  for a while now, she opened accounts under my name without my consent. I need to have these items removed
Product: Credit card

On XX/XX/XXXX & XX/XX/year> my XXXX XXXX Bank of America credit card was used by someone that stole my information to make several fraudulent purchases totaling {$1800.00}. 

On XX/XX/XXXX I realized that fraudulent purchases were being made and put a freeze on the card. 

Bank of America denied the fraud claim twice - even thought they alerted me to the fraudulent activity themselves. They admitted to their fraud warnings working but denied that it was actual fraud somehow. 

I made several statements phone calls to them for the last 4 months stating that I did not make these purchases and I did not authorize anyone to make these purchases. I suggested they ask the stores for security camera footage and theyll probably find the criminals. My information was stolen and used to make these purchases. Bank of America continues to deny the fraud dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. I previously sent a dispute letter addressed to the Credit Bureaus last XX/XX/XXXX and have submitted a CFPB Complaint on XX/XX/XXXX, I am submitting this CFPB Complaint as a follow up to the most recent CFPB Complaint I submitted. The Experian, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX U.S. Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to formally dispute and bring to your attention multiple violations of consumer protection laws that have adversely affected my financial well-being and peace of mind. It has come to my knowledge that several creditors have engaged in practices that violate established laws designed to safeguard consumers ' rights and ensure fair financial transactions. 

Unauthorized Inquiries : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Billing Errors and Accounts in Violation : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX These actions have had a significant impact on my life, causing undue stress, XXXX, and financial hardship. [ Share a brief and factual personal story here about how these violations have affected you emotionally and financially. Keep it concise and professional. ] I kindly request your intervention and enforcement of the legal protections afforded to consumers under the relevant laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically, I urge you to take the necessary steps to ensure that the aforementioned unauthorized inquiries are promptly removed from my credit report and that the billing errors in the identified accounts are rectified in compliance with the applicable laws. 

I appreciate your attention to this matter and request that you communicate with the respective creditors to address these violations and take appropriate corrective actions. Please provide me with updates on the progress and resolution of these issues within a reasonable timeframe. 

Thank you for your dedication to upholding consumer rights and promoting fair and transparent financial practices. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/, I received a phone call from a phone number of XXXX. They claimed to be CHASE Bank and was alerting me about some fraudulent activity going on with my account. I was on the phone with them for awhile until the kept me on hold for over 10-15min. when i then hung up the phone. Later, about 2-3minutes later, I received a text message from CHASE bank, stating that my checking and savings account had a balance that was below {$50.00}. I then checked my accounts and noticed multiple withdrawals from an ATM that was not authorized by me. It was multiple ( XXXX ) transactions of {$100.00}, {$200.00}, {$300.00}, and $ XXXXThat itself made it clear that there were some definite suspicious activity going on. The total amount that was taken from my account was {$4400.00}. I immediately contacted CHASE bank to file a claim of fraud to my account that same day ( XXXX XXXX ). CHASE bank had denied my claims XXXX and XXXX. I then called CHASE bank to get an explanation for the denial. They then wanted me to provide proof that the transactions were not made by myself. So, on XXXX XXXX, I sent over credit cards statements that show myself not in the same area when the transactions were made with time stamps and everything. I also provided a Police report I made. I then waited for another 14-20 days for CHASE Bank to reply, and I got nothing. So I made another phone call to CHASE Bank on XXXX XXXX. The person from CHASE said that they did not reopen my claim for whatever reason and directed me to a Claims Manager. The Claim Manager, XXXX claims that there was not enough proof that it wasn't me that authorized the transactions and claimed that CHASE is not responsible for any of the lost funds. I'm going to continue to do what is needed for this issue to be resolved as I am a victim of fraud. 

Claim # 's : XXXX XXXX XXXX
Product: Debt collection

I was robbed at XXXX point in XX/XX/2003. Ever since then, different student loans, credit cards, and car loans have been showing up on my credit. I have never applied for a XXXX credit card. I have called and tried to get this information off my credit but all I get is the account is mine and I DON'T UNDERSTAND HOW.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX - XXXX 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 me 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 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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, credit repair services, or other personal consumer reports

I JUST DISCOVERED ACCOUNTS REPORTING TO MY CONSUMER REPORT THAT DO NOT BELONG TO ME SO I DID MY RESEARCH ON THE FTC WEBSITE TO PREPARE AND FILE MY COMPLIANT AND CLEAR UP THIS MESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to my investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Product: Credit reporting or other personal consumer reports

Im a victim of identity that my dad has been breached. I sent this information to all three credit viewers and told them that I do not recognize charges and different credit cards that was opened in my name that I didnt approve or authorize, and they still insisting that its me. I told them to send me some documentation with my signature stating that I authorized to open his credit cards into authorize the charges they have not sent me back. 

Also, the investigation took well over 30 days which the XXXX states that it must be within 30 days 45 days if they run into a problem and I gave them copies of where certain things were taken off my credit report and they put it right back on so I have copies of this documentation to prove to you that these items should remain of my credit report they took it off but then they put it right back on, and thats a problem because its affecting my score is affected my whole life like Im having a hard time getting things in finance, finance and vehicles and anything my cop my daughters loans from college. Im having a hard time finance that so shes not gon na be able to go to college because I cant sign for a parent loan because they got this stuff on my credit report that needs to be removed and it was removed but they put it right back on here. Im asking that you expedite this and Im sending you copies of everything Im saying, that should not be on my credit report and Im sending you a copy of the credit report with it on there and then youll see the updated report was taken off and then they put it right back on there again
Product: Credit reporting or other personal consumer reports

Mailed letter of dispute w/ proof of identity. Received XX/XX/year>. Received an email from Experian they refused to process it because they could not verify my identity despite being provided my SSN and DL.
Product: Debt collection

XXXX XXXX in Maryland is repeatedly calling my friends and family, and my employer as well as my place of business after being asked not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is reporting that I owe them XXXX. On my credit report it reflects I have a balance of XXXX with capital one. I dont have a balance I have settled the account and Im attaching documents thats shows the balance and receipt of payment.
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX  ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find incorrect accounts on my credit report, and I cant figure out why. I check my credit report regularly, and this time there were random discrepancies. I even refreshed my browser thinking it might be a glitch, but the errors didnt go away. Now, Im really hoping that the documents I submitted will be reviewed carefully, so I can stop worrying about this.
Product: Credit reporting

XXXX XXXX XXXX most likely sold my defaulted credit card to XXXX XXXX XXXX who have been harrassing me for way too many years. I appeared in Court and provided financial information to them to document that I did not have the resources to repay the debt. They call and call and send letter after letter. I went thru a difficult divorce and have still not recovered from that period of time. BUT this debt should not be still be reported on my credit report as the default occurred @ 7 years ago.
Product: Credit reporting or other personal consumer reports

I never applied for these cards. Only things Ive done is XXXX and XXXX XXXX
Product: Debt collection

I am disputing the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Furthermore, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( 1 ). 

Below are the details of the account in question : Account Number : XXXX High Balance : {$2600.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : XXXX XXXX XXXX XXXX XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Canceled by credit grantor Original Creditor : Not available Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : Not applicable Past Due Amount : {$1100.00} Account Type : Charge account Payment Frequency : Not applicable Credit Limit : {$1500.00} I request that you provide the following information : The name of the creditor associated with this account.

The amount of the alleged debt.

A detailed breakdown of how the amount of this alleged debt was calculated.

Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act. 

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.
Product: Debt collection

I am on a payment plan per the settlement they sent me in the mail, the day o made my first payment they called and acted like they had no idea about the payment plan. Over the last XXXX weeks Ive received calls almost every single day with them trying to collect more money, XXXX tired of it. And when asked they act like they dont know a thing about anything.
Product: Credit card or prepaid card

Applied for a Torrid store credit card with Comenity Bank on XX/XX/2022 and was approved for {$1300.00}. Never received card or statement, but can not get anyone on the phone, only hold music.
Product: Debt collection

Nelnet is obligated to contact borrowers when Nelnet is going to consider their account delinquent. Nelnet did not contact me that they were going to consider their account loans with them delinquent. The Nelnet rep confirmed a notice was sent on XX/XX/XXXX that the loans would be considered delinquent. That is considerably after the 90 days they were considered delinquent. This failure prevented me from knowing my options to keep my account out of delinquency.
Product: Credit reporting or other personal consumer reports

My credit report has late payment errors that don't reflect my usual behavior. Kindly correct and revise my account.
Product: Credit reporting or other personal consumer reports

I disputed a collection from XXXX XXXX XXXX and was approved for deletion and it is still on my Equifax credit report causing very low score. 
I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I am avictim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION XXXX of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within XXXX  days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section XXXX of the Fair Credit Reporting Act within XXXX  days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name 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 XXXX XXXX KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM ***