23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear LVNV Funding LCC, I recently received a debt collection notice from your office. 
I'm writing to you to verify that first you have contacted the correct individual and request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
I accordance with the Fair Debt Collections practices Act ( FDCPA ), I request the following information. 1. Name and address of the original creditor and the account number. 2. Verification of debt account you are seeking to collect, including evidence that a contact exists creating the amount you claim is owed. 3. Documentations of all assignments showing transactions of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5.

Documentation showing the assignment 's of the debt from the original creditor the secured trust and then back to the original creditor. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I disputethevalidity of this debt amount, and this dispute should be reflected on my credit report if you already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute you right to do so.

Notification to other Collectors I dispute that I owe this should you transfer this debt to another collector, please inform them of my dispute requesting the validity to this debt. Thank you to your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and after thorough review I have noticed several accounts that do not belong to me. I have already reached out to the respective companies for clarification and additional info but have yet to receive a response. Additionally, I have filed disputes, but I believe they have not been adequately investigated. These inaccuracies are having a significant and detrimental impact on my financial well-being and overall livelihood.
Product: Debt collection

I have called the company nationwide recovery system sever times. telling them this is not me. they asked me to show proof then they would take off credit report which I sent in my identity fraud papers on XX/XX/2022. 
They claim never received the mail. so, I fax in the papers to them I received the paper from the fax machine stated that nationwide recovery system received it. then a guy by the name of XXXX  [ over my claim ] would pick up the phone and hang it up after three times I spoke with somebody in customer services and then he proceeds to get on the phone saying I don't know if we have it or not after he gave me the fax number to send the information. I then asked could I speak with a manager he then says I am a manager. I knew he was lying about been a manager so I say I am recording you lying saying you are a manager he started getting very anger saying you can't record me, but I can record you! 
I proceed in asked him server times are you a manager he would no longer answer any of my questions.
Product: Debt collection

The following companies are reporting late dues and collection to the credit bureaus, XXXX XXXX XX/XX/XXXX, and Portfolio Recovery XX/XX/XXXX ; XX/XX/XXXX. The following accounts have been discharged up under XXXX XXXX Bankruptcy in XXXX. I am violated under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE, THEY ARE NOT MINE AND I WANT THEM REMOVED IMMEDIATELY
Product: Credit reporting or other personal consumer reports

Ive found discrepancies on my credit report related to 15 USC 16c-2. The inquiries appearing were not authorized and are damaging my credit. Kindly remove any unauthorized hard inquiries. Thanks!
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act 15 USC 1681 section 602, consumer reporting agencies like XXXX and XXXX are legally required to exercise their responsibilities fairly and with respect for my privacy. I am the consumer, and I have the right to ensure that my personal information is not shared without my explicit, written consent. According to 15 USC 6801, financial institutions are obligated to protect the privacy and security of their customers ' nonpublic information. 15 USC 1681 section 604 ( a ) clearly states that no consumer reporting agency may furnish any report without written instructions from the consumer. I revoke any and all implied, verbal, or written consent. Furthermore, 15 USC 6802 ( b ) states that I must be informed of my right to opt-out, which I was not. You have failed to follow these legal requirements, and you are also in violation of 15 USC 1681C, which prohibits reporting adverse items older than seven years. By continuing to report this account without my authorization, you are acting against the law. I expect immediate removal of this information from my report.
Product: Debt collection

I have never opened up any credit cards prior to this year XXXX. The only account I have ever opened Only store charge cards. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I just recently opened up a church card with a credit limit of {$300.00}. Prior before this I have never opened up any credit cards in my name. In the year of XXXX when I was trying to leave my abusive husband, I was not able to get any apartments because of my XXXX XXXX. XXXX XXXX, I was able to find out all the credit cards that was linked to my Social Security number. I have contacted all of these credit card companies and only XXXX of them. I thought that was clear that this was fraud. I did not open up nor did I give my Ex-husband permission. I do not have a job until XX/XX/XXXX. I did not have a job for almost 17 years prior before that I was not allowed to have a job nor to have my own bank account. I have not had a bank account. I never had access or seen any statements prior before I start calling through information through credit Karma. This particular card with these XXXX companies I was first explained by their companies that they went through the fraud department and I was under the impression that it was all cleared up. The person that you need to contact is XXXX XXXX XXXX birthday XX/XX/XXXX. This person in question I have documentation of XXXX  XXXX against him plus he I believe now as in contempt of court for back child support Payments. I do not have anything over {$3000.00} nor have I been charged anything over that amount ever in my life. I was under the impression through these XXXX companies that this has been resolved. Now I am being threatened to being taken to court, and the other credit card company is taking me to court. I was the one who called these credit card companies. I was the one to let them know what was going on when they change the email address and locked them out of stuff. Thats when the payments stopped because he could no longer have access. At the same time put my life at risk.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF XXXX5 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB XXXX 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Mortgage

Bank of America, N.A., or whatever it is calling itself today or whichever offshore subsidiary may be involved charged off a 2nd lien on XXXX XXXX, 2008, yet it remains attached to the property in question. Any and all efforts to settle the matter are being met with deaf ears. # 1 - Did n't Bank of America receive TARP funds to assist homeowners? Were TARP funds applied to this account in question? 
# 2 - Why can a XXXX firm ( hedge fund ) easily buy the " debt '' from them yet a principal, such as myself, trying to do the same is met with roadblocks? 
# 3 - Has this matter been properly reported to the IRS? 
# 4 - Is Bank of America merely leading the front to keep the general population in a state of involuntary servitude as debt XXXX? Last I checked XXXX was illegal in the Constitution. 
# 5 - There has got to be a remedy available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 60 plus ) days late on the XXXX CARD partial account number XXXX. ( Please see page attached from my credit report. ) I have never missed any scheduled payments on this account. The lates that are reporting is incorrect and need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

Recieve a text message from XXXX We have an offer that we wanted to share with you : Offer Amount : {$470.00} We request that you review this offer by : XXXX You can review this offer by visiting XXXXXXXX XXXXXXXX. We are not obligated to renew this offer. Please contact us if you need more time to reply to this offer. We are willing to accept this offer to resolve your account for less than the full balance. 

Please take a moment to consider this offer and know we're here to help you navigate to a resolution. Discuss it further with our team by replying or calling XXXX during our business hours. 

This message is from XXXX XXXX XXXX XXXX XXXX and is related to your account, originated by Advance Financial, now owned by XXXX XXXX XXXX XXXX, XXXX. 

Click here for important disclosures XXXX XXXX XXXX. Reply XXXX  to opt out. 

I never had any loan with advance financial
Product: Credit reporting

XXXX XXXX child support opened a case against me in XXXX when they started taking child support out of my checks. I was then XXXX in XXXX and they continued to take child support I was never late or ever sent into collections. I still have a charge off on this account on my credit report the case was closed in XXXX of XXXX an report was added to the credit report in XXXX of XXXX due to my child turning XXXX and no longer pay child support but still shows as a disputed on my credit report. I contacted child support enforcement which is listed as the creditor on the report. They stated I would have to contact the credit reporter to have this removed. I have a letter from Social Security Administration stating we no longer take payments out of me for child support due to the court sent an order to stop withholding. I would appreciate this being remove from my credit report due to its negative effect on my credit standings.
Product: Vehicle loan or lease

Mailed Letter with receipt on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code Subsection 1681c-2 states that a consumer reporting agency must block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within 4 business days of receiving such information. However, it has been 30 days, and you are currently in violation of this law, as I am a victim of identity theft. I request that you immediately delete these items and provide an updated copy of my consumer report for confirmation. Account ( XXXX ) XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX and XXXX XXXX XXXX Account ( XXXX ) XXXX and XXXX XXXX XXXX Account ( XXXX ) XXXX and XXXX These accounts should not be included in my consumer report as they are in violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint because In accordance with the Fair Credit Reporting actXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXXaccount # XXXX & XXXX XXXX  account # XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I received  XXXX  separate invoices from " Convergent Outsourcing '' company.  XXXX  of the debts attempting to be collected is for  XXXX  which I received on  X/X/2017   . The original amount is {$1000.00}. They are offering a reduced amount at {$530.00}. That account number is :  XXXX . The other letter that I received was for  XXXX  on  X/XX/2017   . The amount owed on that is {$580.00} with a reduced amount at {$110.00}. The account number on that debt is :  XXXX . Neither of these debts are legitimate. I would like to get this taken care of and stop receiving these letters. The contact information that was provided by them are the following :  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX  ,  XXXX   XXXX   XXXX  www.payconvergent.com
Product: Mortgage

Im writing as Ive had a line of credit that dates back to the original line of credit with Washington Mutual. Since then the monthly loan payment has increased and with a fluctuating interest rate. All payments apply towards interest only and the loan will never be paid as the payment is never applied to the payment. My mother who had a stellar credit score now  has a poor credit score because her payment has increased to a level that she can not pay on time, barely scraping by each month. She has applied for a modification twice and Chase has denied her. This is the reason the real estate market crashed years ago! This loan is out of control and I think Chase is ripping off my XXXX year old mom, keeping her in a loan that has gone bad with no way to get out or pay off!
Product: Credit card

XXXX/XXXX/XXXX To whom it may concern, I am writing this complaint in reference to my CareCredit/Synchrony Financial account. I opened this account initially as a CareCredit account, I believe in XXXX. 
I have a yearly {$1000.00} through my insurance for dental care, so the CareCredit was used for work above that amount. I have a {$2000.00} credit line on the card. In opening the account, it had 6 month same as cash payment terms. Which I believe as each charge that was put on the card the 6 months same as cash would apply to those terms. I have been faithfully paying the specified amount on this card since I opened it. I would use my insurance amount, and then I could only charge the amount available to the card, it never went above the {$2000.00}. Because the office would look up the available credit left on the card, then that is what was put on it additionally. The payment rose a little as each time I accrued money to the account for each time I had dental work or for use for my pets, which is fine. I understand that, but never went above the amount on the card. 
However, I had noticed about 6 months or so ago that CareCredit switched to Synchrony Financial. Since the changeover to Synchrony Financial, I noticed that the card said I had a negative balance, which I do n't understand, because as I said I paid faithfully every month, and it was never charged over the amount. My payments kept getting larger, however the balance does not change with each payment, and this has been going on for about 6 months. 
I contacted Synchrony Financial last week, and asked why my balance was n't going down. I was informed that the 6 month term had not been met, okay, I get that I may have messed up the 6 months same as cash term. I also found out that I am paying {$82.00} in interest on a {$2000.00} dollar card, with a payment of {$74.00}. And just checked and my payment again has been raised to {$76.00} this month. So ... .if the interest on the card is higher than the payment, there is no way I will ever pay this card off, how is that legal? Secondly, how can the interest be that high on a {$2000.00} card. This is utterly ridiculous!!!!!!!!! This card was supposed to be a meant to help someone, however, it has turned into a financial burden. 
XXXX XXXX offers the same kind of terms, however, if you miss the terms, the interest does NOT exceed the payment, it is added to the payment. I also have additional credit cards, and my interest does not exceed the payment, EVER!!! 
I am an honorable person, I pay my bills, however in the current state this credit card company has me in, I will never pay this off. It is as if I am just throwing my money away. Could you please assist me in finding a solution to this outrageous situation? 

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

A USPS certified receipt mail letter was sent to Experian and delivered on Monday, XX/XX/2019 requesting validation of debt from XXXX XXXX. In my request for validation, I reminded Experian that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said collection agency, the requested records which prove/show that the debt is indeed mine that were given to Experian to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. I also requested correspondence be in writing. 

As of today, XX/XX/2019, Experian has not provided me with verifiable proof or copies of the documents used to validate this debt. Instead, on XX/XX/2019, the company sent me an credit monitoring alert and email stating that the debt listed was not changed because the company " certified '' ( with no paperwork ) that the information reported was correct. 

Experian is reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report on their and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : Please remove unauthorized inquiries. 
Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit le you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certied Funds to : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX RE : Wells Fargo Bank, N. A. Account Number XXXX XX/XX/XXXX Sirs : You seem to ignore the inadequacy of the responses that Wells Fargo gives to my complaints as to the XXXX XXXX XXXX  Promissory Note ( now XXXX ). Another Consumer Financial Protection Bureau complaint has been inadequately responded to by the client, yet the foreclosure suit proceeds against me. 

My initial letter to you received a reply letter in which Wells Fargo begged for more time to research until XX/XX/XXXX. 

In the meantime, XXXX XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX, XXXX has filed a Superior Court motion, seeking payment in full of the entire original mortgage amount ( XXXX )! 

In a previous filing, I have shown that the loan was settled in full ( Please see on Pg 76 of the accounting report XX/XX/XXXX Investor Full Settlement Payment {$270000.00}. ) Please explain also explain the eighteen ( 18 ) Misapplication reversals. 

Please explain why the nice round numbers of my huge prepayment checks are not accounted for as such XX/XX/XXXX {$50000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$50000.00} Wells Fargo is engaging in predatory lending practices against me. They proceed with foreclosure lawsuits even though loans have been prepaid in full. 

I demand a full retraction of the suit against me until such time as the accounting discrepancies have been explained. I can not afford the {$170.00} filing fee just to explain why this suit was filed in egregious error by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Sincerely, XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) https : //www.consumerfinance.gov/complaint/ Wells Fargo Home Mortgage Attn : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

The account is paid in full but still listed on my credit.