23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Account Name : XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # XXXX Account Name : ( Original Creditor : ) Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Checking or savings account

I enabled XXXX in my Sofi Bank account. I try to test if it was working reciving a few transfers. One i received the other one got rejected. For the rejected one they started some kind of review process and frozen my account.

I received like 3 or 4 transfers for an amount less than XXXX dollars from 3th parties. All of the funds in my account come from accounts in my own name. Because of 1 rejected XXXX transaction i have XXXX dollars frozen for no reason. They could have frozen the XXXX dollars received from 3th parties. I have validated my own accounts in their system.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$9000.00} ; XXXX XXXX XXXX XXXX XXXX : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Subject : Formal Complaint and Request for Mortgage Loan Information Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding the handling of my mortgage loan and to request essential information related to the loan in question. My loan information is as follows : Loan Number : previous XXXX ; current loan number - XXXX I contacted Wells Fargo Home Mortgage on XX/XX/2023, to request a complete accounting of my mortgage loan. My efforts to obtain a comprehensive history of my mortgage, spanning over 20 years, have been met with obstacles, as the current servicer has indicated that they do not possess the full accounting information due to an alleged failure to receive it from Wells Fargo when the loan was transferred. 
My repeated requests for loan history documentation from various alleged servicers have yielded no results. Therefore, in XX/XX/2023, I approached Wells Fargo to request this critical information. Initially, I was informed that I would receive the requested documents within ten business days. However, the timeline was subsequently extended to 30 days. To my disappointment, I received a letter from Wells Fargo stating that they would not provide me with the requested information. 
On XX/XX/2023, when I contacted Wells Fargo Home Mortgage once more, I was provided with deeply troubling information by a customer service representative from the Executive office. The representative informed me that my loan number was not, in fact, a loan number but rather a claim number. Furthermore, he disclosed that there was an allegation of fraud associated with my mortgage loan. Shockingly, he asserted that my name was not on the loan.

My purpose in writing this formal complaint is to express my deep concerns and to seek resolution to these alarming issues. Specifically, I request the following : A complete and detailed accounting history of my mortgage loan, covering the entire duration of the loan, including any records related to payments, escrow, interest, and principal. 
A copy of my entire loan file, containing all documents, contracts, and records associated with my mortgage. 
A comprehensive explanation of the alleged fraud on my mortgage loan, including details, evidence, and any related investigations or actions taken. 
Clarification regarding whether my name is officially associated with the loan and, if not, an explanation for this discrepancy. 
I believe that obtaining this information is essential for me to understand the status of my mortgage, address any discrepancies, and ensure that my rights as a borrower are upheld. I kindly request that you investigate this matter and facilitate the provision of the requested documentation and information within a reasonable timeframe. 
The attachment lists the accounting years I have received. Please note the years that are missing from the list, and the statement at the bottom, promising to provide the other years ; yet, the other years were never provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a consumer are being violated and expect this complaint to be taken seriously, as XXXX XXXX has a history of abusing the very consumer ACTS meant to protect consumers from such overreaching violations. 

This complaint is ongoing as previous responses have been deemed inadequate and failed to provide proof of credit inquire consent or produce any form of loan request documentation that would have authorized the company in question ( XXXX XXXX ) legal right to pull my credit as outlined within the Fair Credit Reporting Act. 

It is my expectation as a consumer to be protected from unwanted an unauthorized inquires. None of the so called justifiable reasons that have been provided applies to my informal communication with XXXX nor have they provided any proof to the contrary.
Product: Debt collection

NOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT # To Whom It May Concern : I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an account that you can not prove is mine. 
You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. 
I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 
15 USC 1692cI Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
If proper validation of this alleged debt is not provided within XXXX calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. 
Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( XXXX ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( XXXX ) in the case of an action not described in paragraph ( XXXX ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. 


LVNV FUNDING LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letter to the three bureaus, they have not responded in a timely manner required by the fair credit reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Address ID XXXX Account number listed XXXX .... is listing account as XXXX $ as of XXXX/XXXX/XXXX date open XXXX Is falsely reporting to my credit as account closed/written off as of XXXX. 
I have sent certified mail to verify this account and was returned on XXXX and again XXXX/XXXX/XXXX which was recieved but no response to verify the account was legitamate and in fact my account. 

XXXX XXXX XXXX. XXXX XXXX XXXX, sc XXXX Address Id XXXX account number listed is XXXX Balance XXXX as of XXXX/XXXX/XXXX Listed as a Debt Buyer This is a debt buyer purchasing a debt that originated as a XXXX debt. date opened XXXX This has been reported as fraudulent activity multiple times to XXXX and instead of sending me proof of the debt they sold it and stated no longer liable. 
Was reported to for both the Debt buyer and original creditor as well as all 3 credit reporting agencies to be Validated and again no responce. I will also report to FTC and BBB As this report is to be removed from all three agencies immediately and in a timely matter. 

XXXX XXXX AAddress ID XXXX account XXXX debt amount XXXX as of XXXX/XXXX/XXXX this debt please remove as the above accounts tried to verify legitamacy with cretified mail and requests to credit agencies and no responces. This account is also going to be reported to FTC and BBB for both agency and credit bureaus for non compliance. 

MY REQUEST ARE FOR THESE ACCOUNTS TO BE REMOVED IMMEDIATELY AND IN A TIMELY MANNER i have numerously requested the credit bureaus to do the same and the disputes come back as complete but no proof is still given. I have opened a case with the BBB and the FTC over the accounts and the Practices of the credit Companys reporting. I want the account in question removed from all three credit reporting agenies immediately.
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up complaint to bring to your attention my unfortunate situation as a victim of identity theft. Under FCRA Section 605b, Credit Reporting Agencies are obligated to expunge any items listed on an identity theft report, specifically under my reference # XXXX. Enclosed are the documents meant to facilitate the removal of inaccurate information and inquiries currently affecting my credit files. The following comprises a list of inquiries, inaccurate names, and addresses that neither pertain to me nor were opened with my consent : -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -- XXXX -- XXXX -- TRANSUNION : XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items in the file of a consumer identified as information resulting from alleged identity theft not later than 4 business days after the date of receipt.
Product: Debt collection

In   XXXX   XXXX    , I was contacted by  XXXX   XXXX   XXXX  of  XXXX   XXXX , CO through their  XXXX , AZ office indicating that they were representing Velocity Investments, LLC regarding a loan that I had with   XXXX   XXXX   XXXX   that was purchased by Velocity Investments, LLC.  XXXX   XXXX   XXXX  proceeded to violate multiple sections of the FDCPA and Colorado FDCPA as well as numerous Illinois consumer protection laws regarding debt collectors. Specifically,  XXXX   XXXX   XXXX  called my employer  20  times in  one  day and when I did not timely return a message that was left, the collector called every member of the  executive  management team at my place of employment and left messages on each persons voice mail to contact  XXXX   XXXX   XXXX  regarding a matter concerning me. A message was also left on the HR Mgr. voice mail to call regarding an issue with my payroll. I was threatened with wage garnishment and the debt was disclosed twice to my  Mother  who is not a responsible party to the loan. After numerous emails asking the agency to stop calling me at work and being ignored, I finally submitted a cease and desist request to the owner of the company and threatened to sue them for the FDCPA violations. The matter was referred to the corporate attorney Mr.  XXXX   XXXX  who subsequently offered me a cash settlement of {$1000.00}. I rejected the settlement offer and requested that the issue of the debt be resolved. Mr.  XXXX  informed me that  XXXX   XXXX   XXXX  nor he is no longer handling the account and that it has been referred back to Velocity Investments, LLC who now owns the account and that legally he nor  XXXX   XXXX   XXXX  can discuss the account with me. I have sent  3  unanswered emails to Velocity Investments,  LLC in an a ttempt to find out who is handling the matter in an attempt to address not only  XXXX   XXXX   XXXX  and their abusive collection tactics on behalf of Velocity but the debt and its disposition. No one will respond to me. I contacted Mr.  XXXX   XXXX  by phone who identifies himself as the Compliance  Officer  a t Velocity Investments, LLC  and he claims that he needs to confirm from  XXXX   XXXX   XXXX  that they are no longer handling the matter before he can discuss it with me. I gav e Velocity Investments, LLC  more than 10 days to confirm that and contact me and they have not done so. If Velocity Investments, LLC refuses to address the issue of the debt with me and the abusive and illegal collection tactics of their collection agency with me, I believe that the CFPB should intervene on my behalf and also take discipline actions and monetary sanctions against Velocity and  XXXX   XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Checking or savings account

BANK RESPONSE IS FRAUDULENT, UNETHICAL AND DECEPTIVE. 

I walked into the bank at approximately XXXX : XXXX XXXX, i presented all my information with a withdrawal slip, I have withdrawn from this branch before and the teller recognized me. Upon search, they came back and informed me i could not withdraw my money and stated they didn't not have a reason other than what was seen in the computer, ie the bank had refused to give me my money in retaliation to my complaints. I also received a phone call from the Chase bank later that week acknowledging this situation and stating they would get to the bottom of it. 
In the prior response of XX/XX/2020 by chase has falsified the facts and stated they were not able to find this situation even after agreeing that it happened. 
As i have earlier stated Chase bank doesn't respect the CFPB since or this process as it has deemed useless and can state any falsification to close the complaint. 
I intend to expose this unjust and retaliation behavior, this is a breach of contract and trust by the bank.
Product: Credit card

Name on the card is my married name : XXXX XXXX XXXX On XX/XX/XXXX I was charged {$16.00} in interest, I pay my bill in full each month. The XX/XX/XXXX bill had a total of new charges of {$90.00}. I paid {$250.00} as I have a promotional 1 year zero interest facial procedure that was charged on XX/XX/XXXX, expiring at the end of XXXX XXXX that I am paying down. I assumed that in error they charged interest on the promotional balance. My last email from XXXX ( their customer service agent ) said she could not help me without explanation as to why they were not removing the incorrectly charged interest. 

It is my opinion they do it thinking no one will go to the trouble to fight for {$16.00} in interest. 

I want the interest removed.
Product: Consumer Loan

I recently was funded by Capital One through XXXX Financing for a new 2016 XXXX XXXX Motorcycle that I purchased on XXXX/XXXX/2016. A week later I get a letter in the mail from them with instruction on how to log in to my new credit card account, manage, and pay my monthly payments. Upon receiving this letter from them with a XXXX Financing card in the envelope, I realized that Capital One had financed the motorcycle for me by signing me up for a new credit card instead of with a loan. A week later, I check my credit score and find that I have now been hit with a XXXX point credit score loss because my credit card utilization rate is now awful because of this new credit card via Capital One. Nowhere during the financing process did the dealership or Capital One make it clear to me that I was being financed through a credit card instead of through a loan, and now because of this my credit score went from being great to being poor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute twice with Transunion and XXXX about them unlawfully reporting State of Ct Dept of Soc Svcs child support on my credit report without my consent and each time I disputed it, it came back accurate. My latest dispute was XX/XX/2023. 
I have not given you written permission to put anything on my consumer report 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

You have no permissible purpose by law to contact third parties with my private or personal information. I demand this account be deleted immediately off of my credit report.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my concern and submit a complaint to FAIR COLLECTIONS & OUT regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in XXXX U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, FAIR COLLECTIONS & OUT will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify -through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

I demand to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the records listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. i demand the following accounts be verified or removed immediately 1. 15 usc 1681b ( a ) ( 2 ) permissible purpose of consumer reports XXXX Account Number : XXXX Please delete immediately.

B

y the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to CAPITAL ONE for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.