23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Fraudulent Collection Account on Credit Report. 

Dear Federal Trade Commission, I am filing this complaint regarding a fraudulent collection account that has been placed on my credit by LVNV Funding LLC. I have never opened an account, signed any contract, or agreed to any financial obligation with this company. Despite this, they have reported a collection under my name and are attempting to collect a debt that i do not owe. 
Upon noticing this collection on my credit report, i sent the company a formal debt validation request, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) List of items requested are : Creditors name and full address Name of debtor of record Full account Number Amount of Debt Due date of debt Original charge off or Delinquency date Explanation of how the debt was calculated Evidence that the debt is within States applicable statute of limitation Name of collection Agency or Owner of Debt if applicable Amount paid if debt was purchased Completed and Executed Contract Agreement, including signature pages for the debt. 

They failed to respond to my request, which violated their legal obligation to provide validation of the debt. According to the law, they are required to provide documentation proving that i owe this debt, yet they have not done so. 
I believed this is a case of fraud and possible identity theft. My personal information have been used without my authorization to create this alleged debt. I have already disputed this account with the credit bureaus, but the collection agency continues to report the debt without providing any proof. 
I request an investigation into this matter and appropriate action to ensure this company comply with the federal law. Additionally, I ask for the removal of this collection from my credit report and any enforcement action necessary to hold the company accountable for their failure to respond and their deceptive reporting practices. 

Please let me know if further information is needed. Thank you very much for your time and assistance. 
Sincerely, XXXX XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

I got a capital one card in XX/XX/2021 I used it for XXXX send a XXXX payment in for more to do XXXX suddenly my card was blocked for fraud I sent in copy of dl s.s. card and bank statements they still have not activated my card nor show where I paid XXXX on my payment but they have reported to my credit for non payment and my credit score has dropped over 100 points I made contact today and they said I need to send them my actual s.s. card I advised I would be filing a complaint after they refused to let me speak with a supervisor I refuse to send a payment till my card is not locked and activated and they fix my credit report that they have messed up.
Product: Vehicle loan or lease

XX/XX/XXXX is the most recent date I spoke to a manager explaining my reasons and explaining how I will pay my car in full before XXXX ends because I am getting my tax returns. She acknowledged and explained how she will stop the company from harassing me any further and that my car would be ok. Then out of nowhere the next night my car gets towed. Listen read the reviews about this company. They shouldn't even be in business. Even if I have a date to make a payment they call me several times a day they even go as far as to disguise their business number to look like a number here in my area and they're in California I am in Florida. I will tell you I made payments every month. Right now i am the only one working i told them that i will be making payments but it will be between 100 and 150 because right now i am paying all my bills since my wife left her job to take care of our XXXX  baby girl. But they insist of throwing it in my face how " this is a business and we need our money '' in fact they sit here and argue with me. Rather than being a patient quiet customer service rep they actually talk back and be smart XXXX about it and argue with you as if they're the customer. And now I am without my car and I cant go to my job because its across the bridge and the city bus doesnt travel that way. Now I will have to get another job on my side of town and that leaves me and my wife without work with XXXX children and one being XXXX. This finance company is straight from hell they dont care about anything. They dont care to be patient stop and listen they dont care about peoples situations nothing. I even called them today XX/XX/XXXX many many time I even called the manager lady that assured me things will be ok and no one answered. I called the dude back that was suppose to have my paper work and he never answered the phone. I got put on hold 5 minutes and more I got transferred a dosing times I left messages and nothing. And I have a time limit before my car gets put up for auction. I hate that company along with everyone else who has left reviews describing how awful they are. That companies name is XXXX XXXX XXXX XXXX XXXX XXXX in California. They suck. I hope this company shuts down. Its terrible
Product: Checking or savings account

on XXXX I received a letter with a debit card and account information for a recently opened account with Chime. The account was opened fraudulently and without my knowledge or permission. 

When calling into customer service, it took XXXX tries to get to a live person. They refused to close the account or put me in contact with their fraud department. 

1 customer service rep and 2 supervisors pushed off my request to close the account and stated I needed to email the support team for assistance. 

escalation ticket submitted by supervisor is # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 given reporting agency can not furnish an account without my written instruction. 

15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Mortgage

My home loan was sold to Freedom Mortgage in XX/XX/2022. According to RESPA a new loan servicer is not allowed to charge late fees for 60 days. My loan has never been paid late, past 30 days since inception. Having said this, Freedom Mortgage has charged me a " late '' fee for XXXX, XXXX & XXXX. It's automatically included in my mortgage payment every month. I do not have the option of not paying it. I have called and sent messages to Freedom Mortgage and they have continued to charge me a late fee when my mortgage payment is not late.
Product: Credit card or prepaid card

Capital one charged me {$120.00} in interests AFTER i paid my statement balance in full. They claimed their policy is that I have to pay the statement in FULL two months in row to avoid interest being charged. I have paid over {$1000.00} in interest in 2021. They are deceptive. I am not paying the fee and I want it waived. A supervisor " XXXX '' basically told me to read the back of my statement... .well, my statement is email to me and there to no back.
Product: Checking or savings account

First National Bank of Omaha allowed a fraudulent checking account to be opened in my name without a credit inquiry to verify the identity of the individual opening the account.
Product: Credit reporting or other personal consumer reports

Since the data breach of XXXX  by XXXX I have consistently had credit accounts on my report that arent mine and incorrect personal information change on my credit report. Additionally my data is being used and sold on the dark web. I have not been able to obtain any credit fairly and it hinders employment and travel. Please eliminate all accounts on all three reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX EXPERIAN XXXX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B ( a ) : I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items : XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX  {$1100.00} XXXX XX/XX/XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX DEPT OF EDUCATION {$1200.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Late Payment Due to XXXX Hardship Dear XXXX XXXX XXXX XXXX writing to request the removal of a late payment from my account [ Account Number ] XXXX dated XX/XX/XXXX and XX/XX/XXXX Due to the financial hardship caused by the XXXX pandemic, I was unable to make payments as scheduled. Under the CARES Act, I request that this late payment be adjusted or removed in light of these circumstances. 

Thank you for your consideration and understanding. 

Sincerely, XXXX XXXX
Product: Debt collection

This creditor/debt collector has continued to report an unverified alleged account that is damaging my credit history. I have requested several times for this alleged account be verified with a copy of the original contract with my wet ink signature between myself and The Stark Collection Agency or the original creditor. I have also requested that this subterfuge be deleted.
Product: Payday loan, title loan, or personal loan

Ive asked to cancel this service but it has still been on my account. Since I was charged I used again and the funds never came to my account. I was trying to avoid an overdrawn but it happened on top of the fee for instant cash that was never placed! Cancel account please
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Transworld Systems Inc for their continued failure to validate a debt they are reporting on my credit report, in violation of federal laws.

Despite multiple written requests for validation of the alleged debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the agency has failed to provide any documentation proving the legitimacy or ownership of the debt.

Furthermore, Transworld Systems Inc continues to report this unvalidated debt inaccurately on my credit report. This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate, Transworld Systems Inc is not complying with these legal obligations.
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Money transfer, virtual currency, or money service

On XX/XX/2022 my wife was scammed through a fake email claiming to be XXXX. They said her account was compromised and had her go through security steps to protect her account using XXXX. It was a scam. Shortly after I got an email from USAA that a person was added to my XXXX recipients by the name of XXXX XXXX was added to your Send Money with XXXX recipient list using the phone number XXXX. This information has been saved for future XXXX transfers. If you didn't make this change, please call us at XXXX ( XXXX ), XXXX, or our mobile shortcut # XXXX. After that there was a XXXX for {$300.00} from my account, {$690.00} from my sons account and {$850.00} from my daughters account. I immediately called USAA and reported it. The bank is making me responsible
Product: Checking or savings account

I was contacted by XXXX XXXX stating I was approved for a loan and for good faith I needed to purchase a gift card for All things XXXX because she deposited a mobile check in my account. I verified that the check was actually deposited in the amount of {$490.00} she stated that I needed to purchase the gift card and take a picture with my phone and send it to her, in which I did. She then called me again and said that by mistake she sent another check. I told her I didn't receive another check from her on XX/XX/XXXX. She said I still needed to purchase another gift card and I told her I would not do that. The next morning she called me and said I should check my account which I did and the other check for {$490.00} was in fact there so I did what I was asked to do and purchased another XXXX gift card. She then called and said I needed to pay a funding fee for the loan and I told her to take the fee out of the loan proceeds and she said she couldn't do that and that is when I realized it was a scam. I am trying to get back the {$1000.00} I paid to this person who said she was from XXXX XXXX XXXX which I looked up before I did anything to make sure I wasn't being scammed and it is a legit company. I have been denied twice from Wells Fargo to get the {$1000.00} back. I am the one that notified Wells Fargo that it was fraud on my account and they didn't notify me until XX/XX/XXXX that the checks were fraudulent.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my Cashapp account to fraudulent investment firm ( s ).
Product: Credit card or prepaid card

BBVA closed my credit card account. I had a balance and had been paying it down. I missed one payment an oversight because I can set up auto pay. They closed my account after a week and a half. I had no idea I missed a {$16.00} payment. I had reward point that would pay that payment and more. They defaulted my points.

This happened XX/XX/2018.

I am still making payments.

They pulled my credit without permission to close my account ( they say ) this will have a negative impact on my credit score. I want to be compensated for this issue and my account reopened until it is paid off and I will let it go dormant.
Product: Vehicle loan or lease

A THIEF STOLE MY INFORMATION AND DECIDED TO GET A CAR WITH MY INFORMATION. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE NOT APPLIED FOR A CAR LOAN THROUGH HYUNDAI CAPITAL AMERICA. SOMEONE STOLE MY INFORMATION MY IDENTIFICATION AND DECIDED TO GET A CAR. THE IS PAID OFF BUT IT WAS NEVER MY LOAN, I WANT IT TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by a notice by Capital One Bank USA regarding an inquiry made that I never applied for or contracted. They reported and defaming information beginning XX/XX/2021. They never supplied sufficient information to me in order to validate the inquiry. I do not agree with their actions. I have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and identifies the appropriate consumer.

12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
Product: Credit card

On XX/XX/year> I opened a skypass visa signature business card from us bank for earn XXXX bonus XXXX when I spend {$5000.00} purchases within the first XXXX days. 

And I completed my spending within XXXX billing cycles which is before XXXX days due. ( Roughly within XXXX  days ) So I was expecting my bonus miles that us bank advertises. 
However I didnt receive the promotional miles, so I contacted us bank and ask why I didnt receive promotional miles, then they were telling me that they recently changed their policy on XX/XX/year>. 

So I tried to explain that when I opened up new cards, they did not have a new rules kicked in yet and they added new rules after I opened. 
I understand that companies adding and updating new rules but they should honor that customer who opened before new rules. I met all the conditions what they required like pay annual fee of {$99.00} and spending. 
If they gave me an any kind of notice or update new rules during that time, something like through email or message I probably stopped spending at that moment. 


Handling this case with us bank is very stressful that I have to calling them multiple times and they transfer to each others I felt like Im a ping pong ball also Spent so much times and effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts still furnishing on my credit report as closed/charged off. Account needs to be removed and deleted from consumer report effectively immediately.

I have a right to PRIVACY and a right to fair and equitable credit report.

Under the definitions sections of the FCRA ( Fair Credit Reporting Act ) 15 usc 1681 a ( e ) defines the term " investigate consumer report '' ; which states the only way to verify information in a consumer report is to conduct personal interviews with neighbors, friends, or associates of the consumer.

This definition also states such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer.

According to 15 usc 1681 c- requirements relating to information contained in consumer reports.

( a ) information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

please check with FCRA starts at 15 usc 1681 Truth in Lending starts at 15 usc 1601 FDCPA starts at 15 usc 1692 all of the above backs me up as a consumer to delete all negative items.
Product: Checking or savings account

Chase bank closed my account after I reported fraudulent charges on my debit card and then froze my account and subsequently closed it with no warning. Upon my direct deposit still being transferred into my account they took out a sum of around {$400.00} of the fraudulent charges basically saying that I was responsible for them when I was not. Somebody got my card number and was using it. But they took out the money anyway instead of crediting my account back the {$400.00} in disputed charges due to fraud from my stolen debit card number.
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX VIA DEALER XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX VIA DEALER XX/XX/XXXX XXXX  XXXX VIA DEALER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/2022, I sent the certified mail for this company to cease and desist, in Pursuant to 15 USC 1692c. ( c ). This company has not produced the following and have violated my rights : Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports.

Remove all remarks or comments off my consumer report.

Pay the attached bill of particulars for every violation labeled in the attached exhibits.

Return requested documents 1. Name and address of the original creditor who created the debt.

2. Name on file of alleged debtor.

3. Alleged account # 4. Date of original charge or delinquency.

5. Was this debt assigned to a debt collector or purchased?

6. Amount paid if debt was purchased.

7. Documentary evidence that this agency is in fact the holder in due course.

8. Certified copy of the original negative information notice required by FCRA section 623 ( 7 ) ( A ).