23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is regarding LVNV Funding LLC, I had closed account wXXXX  XXXX & XXXX ( known from previous incident involved/investigation XXXX XXXX account that has been removed because illegal practices when reporting to credit bureaus ) which was charge off then discovered that LVNV Funding opened on XX/XX/20. I didnt respond or acknowledged that the account was mine because the information that was given about the account wasnt accurate therefore ; I became suspicious because they had initially been contacting me either unknown number or different numbers which caught me off guard. Then when I finally contacted them to address and inquire the supposed debit of account they were very stand offish and rude as well as unprofessional. They basically said that the information they was valid. I could dispute, but will remain on credit until they were paid. In response I told them to no longer contact me via phone instead only by via certified mail in regards to account in question. Also disputed the derogatory comments/remarks left by LVNV Funding , LLC. At first I had notice on my credit reports that I it was reported twice for same account which is illegal & has since been removed off my credit report. I would like for this LVNV company to be investigated for inaccuracies & incorrect information that hasnt been updated or confirmed regarding this supposed account in question.
Product: Debt collection

To whom it was concerned I, XXXX XXXX have not supplied proof under the Doctrine of Estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of their alleged debt, nor therefore any debt, in fact therefore exists. 

I contacted Calvalry portfolio service several times today through their telephone I was unsuccessful with getting someone to help me resolve this issue. 

Also I disputed this with all three credit bureaus The amount is different {$6800.00} and {$6800.00} on each credit report which is concerning to me please can we get to removed immediately off all three credit bureau this is effecting my credit score and its against the law as me being the consumer also they are sue me as well. 
In addition there are many discrepancies on each credit bureau start date of loan is different The amount owe is different This is a violation of 15 U.S. code 1681i ( 5 ) removal of inaccurate/ invalidated credit information. 

Please can we fix this immediately
Product: Credit card or prepaid card

XXXX XXXX notified me that I had a new Capitol One card that was opened a month ago. I had frozen all three credit reports a year earlier. Called Capitol One, notified them this was unauthorized. Call the three credit agencies and filed disputes. Then called Capitol One back to confirm account was canceled, and to inquire what was the address used, and how could it have been approved with the freezes in place. Their response? " Please send your request by fax. '' Who has a fax these days?
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/X/2017 I have submitted a complaint ( Case number : XXXX ) to CFPB about XXXX XXXX XXXX for false reporting student loan issues on my Trans Union credit report ( I am the cosigner of XXXX XXXX the daughter and responsible for the account ). XXXX has been hit with many lawsuits and it continues so. 

However I then proceeded to ask Trans Union to remove the negative items, which they did at one point, but after that it continued to report the negative items : credit report TU file number XXXX. 

I therefore ask the CFPB to get involved and ask TU to remove those items since it hurts my rating!! 

It has been an ongoing dispute with TU and they refuse to correct the inaccurate items on my report. 

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

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$20000.00}
Product: Credit reporting or other personal consumer reports

Experian is not removing inaccurate and invalidated information on my credit report report. Please remove all addresses, names and phone numbers not associated with me. My Drivers License will verify my home address, which is attached to this complaint.
Product: Payday loan, title loan, or personal loan

I fell behind on the loan and it was charged off to a Northwood Asset Management Group. This organization has called my parents and family, sharing personal information about the loan including the amount and history.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a credit card with Wells Fargo on XX/XX/XXXX. I didn't receive an immediate decision and received an e-mail on XX/XX/XXXX stating I was denied due to no bank cards open in the past 6 months. I called Wells Fargo because that made no sense because I closed my XXXX XXXX  card on XX/XX/XXXX, which I've had for quite some time and still had an open balance on. I applied for the WF CC so I could do a balance transfer. 

I called WF and asked if I were to get a denial letter also in the mail. ( Once I received the denial letter it said no open bank cards and no open bank cards in the past 6 months ). I also called XXXX  as that is who they use and confirmed my XXXX account was reflecting ( I have the paper copy now ). I explained to WF I have perfect credit ( no missed payments ) and have a long credit history ( I am XXXX ). I've previously had car notes, a mortgage, and a number of credit cards. I only have one card with a balance and that is my XXXX XXXX.My XXXX  credit score is currently reflecting as XXXX. When I had a home loan it was over 800. WF opened an executive complaint and I was given the case number and told to expect a resolution by XX/XX/XXXX. On the morning of XX/XX/XXXX I received an e-mail they needed more time to review my issue and to give them until XX/XX/XXXX. I called on XX/XX/XXXX but they couldn't do anything. On XX/XX/XXXX nothing had been resolved and I had received no communications so I called again. The man I spoke with said the person 's name handling my complaint was XXXX. I also had XXXX 's number and left a message to call me today and I have not heard anything and it's now the XXXX. 

Someone needs to seriously look into WF practices in regards to fairness in credit card applications. I have worked my whole life to maintain outstanding credit and I really don't appreciate the way I've been treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance {$0.00} ; XXXX CARD XXXX Balance {$5500.00} ; XXXX XXXX  XXXX ( Original creditor : AT T ) XXXX Balance {$320.00} ; XXXX XXXX XXXX ( Original creditor : XXXX BANK XXXX XXXX Balance {$6500.00} ; XXXX XXXX XXXX ( Original creditor : XXXX BANK ) XXXX Balance {$2500.00} ; XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX ) XXXX Balance {$1000.00} ; XXXX  XXXX Balance {$12000.00} ; XXXX CO XXXX XXXX XXXX {$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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX on XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my consumers reporting file and noticed multiple tradelines that stem from identity theft. I reported all information to the Police department and contacted XXXX, Experian, and XXXX upon me sending all the proper paperwork ( identity theft affidavit, copy of the police report, Identification and Social security card ) this 3 consumer reporting agencies refused to follow the law set forth by congress. They continue to report these inaccurate fraudulent accounts on my personal consumer report without proper verification which is a direct violation
Product: Credit reporting, credit repair services, or other personal consumer reports

In additional information in regards of CFPB complaint XXXX, As Im aware XXXX XXXX XXXX, can you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX clarify that you are in compliance with Federal Law 15 U.S. Code 1666b ( a ) - Timing of payments ? 

Im not accusing you XXXX XXXX XXXX XXXX of anything, however, I have reasonable cause the information is inaccurate, and can you clarify the billing error? The current information being furnished on my Consumer Report, Im aware there shouldnt be any late payments for any reason according to Federal Law So Im demanding that you prove that you are in compliance with the law 15 U.S. Code 1666b ( a ). 

And Just for you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be aware, Reporting Charge off is a violation of 15 U.S. Code 1692e ( A ) - False or misleading representations. 

However, Thanks again for your timely response in advance, Best Regards, XXXX XXXX, Federally Protected Consumer.
Product: Credit card or prepaid card

I am a victim of identity theft. Someone opened a fraudulent Kohls credit card account in my name using my personal information and identity. The credit card account is fraudulent and unauthorized. The fraudulent account has been opened since 2017. The Kohls credit card account is fraudulent and I did not apply for the card. Its a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information reflected on report is inconsistent and incorrect ; account has now been closed. Payment reporting has many errors and has been inconsistent on frequency of reporting.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a member of the Sears card since XXXX where I made a purchase and paid my debt off. Recently sears closed the card because I wasn't using it, but on my credit report, they report a negative mark stating that I had a late payment. which is false because I have never had a late payment on any of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and date last reported is not accurate. this ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states i he the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions due to these violations of my rights i have been denied use of my va home loan for years and have dealt with constant XXXX even at this point. it has caused me a lot of grief and pain and cost my marriage. the amount of damage that has been caused due to violation of my rights cant be accounted for
Product: Debt collection

XXXX said that I owe them XXXX dollars, and that is no way possible and diversified has not validated that debt is mine. They has the wrong person i have never ever had a XXXX   account ever in my life. They have the wrong person, and the spelling wrong because this is not my account. So they need to delete this immediately from my account. It just pop up on my account in XX/XX/XXXXsorry they have the wrong XXXX.
Product: Mortgage

We want Sps mortgage to be investigated in regards to violating our california home owner bill of rights.Violation 12cfr 1024.41Violation Ca sec 2923-2924We have been trrying to resolve with Sps mortgage our loan modification and they refuse to work with us Sps is only interested on foreclosing on our home.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against PORTFOLIO RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Checking or savings account

The bank always states that I have overdraft fees or insufficient funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two violations on my credit report. One is a duplicate entry and the other is a coding violation. For the duplicate : XXXX is reporting XXXX separate line items for the same account ( for the XXXX XXXX ).  These accounts have the same opening date, partial account number and balance. ( Please see pages 9 and 10 of the attached credit report. ) This double entry is harming my credit score. Only one account should be reflected on my credit report. 

Transunion is reporting incorrectly that I am 120 days past due on the XXXX - ( partial account numbers are listed in the spreadsheet attached this complaint ). ( Please also reference pages 9 AND 10 of  the attached credit report ). These accounts reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Checking or savings account

Early 2020 I went to a BMO location to meet with a banker. The banker saw I had a 14 year old account that they inherited when they bought out XXXX & XXXX XXXX. He suggested that he change the account type to have better benefits, etc. My previous account was free. However this new account type started charging me $ XXXX/month. This being an old account that I don't use much, I didn't notice for about a year. I notified them that this was not right and they agreed it should not have happened. Not only that, but they said they stopped any charges to any accounts starting XX/XX/2020 due to COVID. They would only refund 3 months worth though even after admitting fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions, crimes which antedates the report by more than seven years.

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

To whom it may concern : I went to XXXX XXXX XXXX in XXXX, PA on XXXX XXXX, XXXX for a XXXX XXXX to return to XXXX ( I live in XXXX although I am an American citizen ). I paid completely for the XXXX XXXX, {$110.00} with my credit card. The statement from XXXX states, " prompt pay ''. 
In XX/XX/XXXX, I received a letter from Transworld Systems Inc that I owe {$70.00} to XXXX XXXX XXXX. I immediately went online to the account indicated and initiated a dispute. The letter required that I initiate the dispute by XX/XX/XXXX. 
Following the initial date that I went online, I went online again and the account still did not show the dispute initiated so I clicked again on the dispute. On XX/XX/XXXX, I did the same thing again and it still did not show the dispute initiated so I decided to call Transworld. I was told that they confirmed the dispute was initiated, only on the second time I went online but would not provide proof that I initiated the dispute. 
Since then, I have not heard anything from Transworld and also tried to log in to their website ( XXXX ) but the site is no longer working. 
At this point, I am not sure what I should do and decided to reach out to CFPB as I do not want this episode to affect my credit rating and be solved quickly. 
Thank you for your support! 
Best regards, XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

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

15 U.S.C 1681 section 602 A. states I have the rights to privacy 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency connot furnish an account without my written instructions
Product: Checking or savings account

I had filed before the case was closed for lack of evidence. Documents had been misplaced. XXXX XX/XX/2020. 


I called SunTrust in XXXX XXXX. I spoke with XXXX XXXX XXXX XXXX XXXX with SunTrust Bank. I contacted Sun Trust for a case number the bank was not forthcoming. Making several attempts to no avail. 
I was using the XXXX XXXX XXXX XXXX as a payee from XXXX XXXX XXXX I was doing this voluntarily due to an XXXX XXXX 
Funds are dispersed to clients with another check, see documents enclosed. 
I allege XXXX and Sun Trust of actively defrauding vulnerable XXXX persons including Local, State, Federal governments. XXXX XXXX XXXX XXXX XXXX client. I have an account with SunTrust through the XXXX XXXX XXXX but when SunTrust looks it up under my social security number they can't find anything. 
Finding that all Social Security Administration recipient 's funds reside in one primary account. 
On more than several occasions request for funds was denied by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In their unprofessional response, Equifax wrote in all caps " AS YOU HAVE A RIGHT TO KNOW WHAT FIRMS HAVE ACCESSED YOUR CREDIT FILE '' They refuse to provide the requested information. They insist on keeping the fraudulent inquiry on my report. 

Despite having credit freeze and fraud alerts on my account Equifax failed to provide details on who made the hard inquiry on my account. I need this resolved.