23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX LVNV Funding, LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXubject : Cease and Desist Request AccountXXXX XXXX XXXX  & XXXX XXXX Dear LVNV Funding, LLC, I am writing regarding the above-referenced accounts. I have not authorized anyone to use my name or personal information concerning these accounts. Therefore, I am formally requesting that you cease and desist all calls and communications with me regarding these accounts, effective immediately. 

Additionally, I demand that these accounts be removed from all three major credit bureaus ( XXXX, XXXX, and XXXX ) within five ( 5 ) days of your receipt of this letter, as they are not valid and have been reported without my consent.

Please be advised that under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), once a written request to cease communication is received, a debt collector must cease all further communication except to notify the consumer of specific legal actions. Moreover, the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, provides consumers the right to dispute inaccurate information and requires credit reporting agencies to remove unverifiable data from credit reports.

Failure to comply with my request will leave me no choice but to take further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering potential legal remedies for violations of my rights under federal law. 

Please confirm in writing that you have received and will comply with this request. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I found this negative account on my credit report that I had no recollection on. I found out that this account was opened under my name when I was a minor. I contacted US Bank to dispute this and have them remove the account from my credit report. They haven't looked into my dispute all they responded was they don't know what I'm disputing.
Product: Debt collection

Experian one of the worse credit bureaus I have ever dealt with. I have contacted this bureau on many occasions. Informing them that I was victim of fraud. In XXXX and in XXXX during several breaches with XXXX. I have also disputed and provided documents from other credit bureaus of the account from XXXX XXXX on my credit report, being deleted from XXXX and XXXX. I also provided documents showing my information was on black web and found in 11 data breaches. I also made a identity theft report and placed security alerts with the credit bureaus. My name, social, email, security, personal information, employer and password were all found on the black web and in data breaches in XXXX when the XXXX XXXX Account was opened. There was a block on my Experian Credit report around XXXX, XXXX as well and XXXX XXXX was blocked from accessing it after receiving an alert. I then a few weeks later removed the block for an employer to access my report and I received another alert from XXXX XXXX that someone was trying to access my credit file. I was not contacted or email. XXXX XXXX is threatening me and trying to collect moneys not owed. This is a fraudulent account as my information was used. I will take legal action as I am requesting for this account to be deleted from my credit file. See attached documents below as XXXX  and XXXX  has already deleted this account. As this is damaging my credit score.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

SafeRent Solution XXXX has assumed a role as a credit reporting and screening company. Were uses be rental agencys submitted a report to XXXX XXXX XXXX suggesting my leasing application be denied based on the report generated by them. 

Data within their report is incomplete and displayed in a misleading way. It appears as if I have an open judgement from 2015 for eviction with a balance of {$4200.00}. This report omits disposition data. 

This is inaccurate and harmful reporting which has caused me harm as with ANY one considering leasing to me would certainly decline the application. Which is exactly what XXXX XXXX XXXX did at the recommendation of this third party company, SafeRent XXXX.
Product: Consumer Loan

In XX/XX/XXXX I bought an engagement ring with mostly cash but also financed {$1400.00} through XXXX XXXX. I had just recently joined the XXXX military at the time so I had no idea what to expect. I was XXXX several times over the course of the next four years, I lost contact with XXXX and was unable to pay my bill online because of trouble with their website while XXXX away from home. They charged off my account later that year XXXX. Fast forward to XX/XX/XXXX and I just got off active duty XXXX days ago and I am being contacted by Worldwide Asset Recoveries about the debt saying that I owe them {$2700.00} and I better pay or they will " let their legal team take the matter further ''. The representative of this company, XXXX XXXX, said he knew all types of personal information about me including that I was getting out of the military and the date of my discharge, my job while on active duty and tried to use scare tactics to immediately get me to pay him. XXXX XXXX also contacted my father the same day pretending to be a friend of mine from the military to get information from him and he never stated who he was, who he worked for or the nature of the call. I am sending a letter to the company to request that they no longer contact me or my family members.
Product: Debt collection

I'm disputing my credit report due to identity theft, and while XXXX and XXXX removed the fraudulent accounts, your bureau still reports them. Without a police report or fraud affidavit, I ask you to verify the accuracy of these accounts ; if uncertain, please remove them. Additionally, the reported bankruptcy is inaccurate, with no judgment or case. Remove it promptly to avoid legal action, as discussed with my attorney.
Product: Debt collection

Midland Credit Management continues to relentlessly pursue me regarding a debt from 2016 as best as I can determine. 
They filed a complaint with XXXX Ohio XXXX Court, and continue to demand that I answer " interrogatories. '' Midland says this debt is mine, but I have not paid any credit card debt since 2016 when I lost 50 % of my income. I can not afford bankruptcy court or to be represented by a lawyer. 
I am poor. I am a XXXX XXXX XXXX XXXX who relies on SNAP for food and HEAP for utilities. I have no assets. I rent and live a simple life. 
Midland Credit Management pursues the poor in a predatory manner. 
I filed with XXXX credit that this debt was not mine in 2016. 
I have no means to challenge them. 
These letters and phone calls come from : MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX, OHIO XXXX PHONE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to inform your company as well as the 3 major credit reporting agencies that my identity has been lost & comprised and it's causing not only me my reputation but it has completely destroyed my credit file. I'm demanding that the following unauthorized & unknown accounts be blocked & removed from my credit file. This obviously happened sometime during my incarceration. I'm also requesting that the 3 major credit reporting agencies provide me with The Method of Verification in physical form, the agent name and title inwhom conducted the investigation, the time and date inwhich this data was collected. Also please send me certified documentation of any fact findings. Please block & remove  these fraudulent accounts : 1 ) XXXX {$1100.00} 2 ) XXXX XXXX  XXXX {$240.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) US Dept of Education {$7500.00} 6 ) US Dept of Education {$4300.00} 7 ) US Dept of Education $ O 8 ) US Dept of Education {$0.00} 9 ) XXXX XXXX   {$21000.00} 10 ) XXXX XXXX XXXX XXXX {$6000.00} 11 ) XXXX XXXX XXXX XXXXt {$63000.00} 12 ) XXXX XXXX XXXX XXXX {$20000.00} 13 ) XXXX XXXX XXXX XXXX {$42000.00}
Product: Student loan

I made 6 payments to sallie mae/navient through money order. All 6 payments were cashed by sallie mae/navient, but never credited to my account. They put me into default for no payment for 270 days, even though I made 6 payments. I put my full name, address, and SSN on every money order. XXXX XXXX XXXX charged me over {$10000.00} in fees, and the US Government charged me {$22000.00} in default penalty. Had sallie mae/navient credited my account the payments, I would never have been put in default and charged {$30000.00} in penalties and fees. I was finally able to get somebody at sallie mae/navient to research my payments last year. They admitted they were never posted to my account and they refunded the 6 payments to me in 2019. What the US Government did to me is illegal.
Product: Credit reporting or other personal consumer reports

I have asked Experian to do multiple disputes with multiple reporting entities and nothing has changed in my credit report. I have spent 5 years trying to build my credit and nothing is being removed or investigated. Nothing changed.
Product: Credit reporting or other personal consumer reports

I recently noticed a fraudulent account has been reinserted into my credit report. This account was previously removed because it was a result of identity theft, and I would like to formally dispute its reinsertion. Please provide documentation proving the legitimacy of this accountXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX AND I NEED YOUR ASSISATNCE TO HELP ME BLOCK THE INFORMATION THAT IS IN RESULT OF 605C XXXX XXXX AND PLEASE BLOCK AND REMOVE THE ADDRESS OFF MY CREDIT REPORT AND ONLY LEAVE MY CURRENT ADDRESS WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX EXPERIAN IS REFUSING TO REMOVE THIS FRUADULANT ADDRESS OFF MY CREDIT REPORT THEY KEEP TELLING ME THAT ITS LINKED TO AN ACCOUNT WHICH I HAVE EXPLAINED TO THEM THAT THE ADDRESS 'S ARE LINKED TO XXXX XXXX AND ITS NOT MINE. THEY STILL DIDNT CARE.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE INCORRECTLY DOCUMENTED INQUIRIES ON MY REPORT ARE DRASTICALLY DROPPING MY CREDIT SCORE AND STOPPING ME FROM FUNDING I NEED TO SUSTAIN MY LIVING WHILE ALSO DELETING MY CHANCE OF GETTING MY MORTGAGE LOAN AND STARTED MY LIFE 'S PLAN.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX number : XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  is reporting a charge off in an amount of XXXX. Yet at the time this loan was paid off by my insurance company - there is GAP insurance that was purchased through the dealership to cover the difference between what the insurance paid out and what remained. Yet this company after just 1 delinqincy ( which occurred when the insurance company was processing the payout of the loan_ charged off the account in the amount of XXXX knowing that GAP insurance would cover this amount. I have called multiple times written multiple letters in regards to this, yet they do not give any documentation as to what happened in regards to this. 

Also, I have attached the account details on their website which does not even show they charged off the account. 

They also failed to provide me any signed original contract when asked to verify the debt XX/XX/XXXX and failed to provide any billing statements after XX/XX/XXXX. They also did not provide any disclosures stating my rights under 15 U.S. Code 6802. 

There are so many violations here creating a HARDSHIP on my life from being approved from future lenders. This account needs to be removed from all three credit bureaus.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for the American Express Gold Card with the promotional offer ( spend {$2000.00} in the first three months and get 50,000 Membership Reward points. Also, get up to a total of {$100.00} restaurant tips reimbursed in the first three months ). Note that this credit card has a hefty annual fee of {$250.00}, and I sincerely believe that the promotional offer was one of the biggest reasons that I applied for the card and wanting to become a long-term AMEX customer. 

Yet, when I noticed that my restaurant tips were not reimbursed and contacted the consumer service ( on XX/XX/XXXX ), I was then notified that my card-opening promotional offer was declined and there's no way of re-approve my promotional offer. 

During my application, the application specifically stated that the application that I have submitted came with the promotional offer. In fact, the promotional offer was on the side both when I was typing in my application information and after submitting my application information. My application was instantly approved within 1 minute of submission. Yet, I was not notified of any rejection of my welcome offer either during the application or after the application approval. My notification of promotion offer rejection only came after I contacted the consumer service about it on XX/XX/XXXX. 

I find Amex way of promoting credit card applications fraudulent and misleading. I felt being lied to. Such behavior from AMEX is truly disappointing and insulting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Equifax via United States XXXX XXXX XXXX Mail. My letter disputed the following seven ( 7 ) hard inquiries from my credit report. 
1. Creditor : XXXX XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX  for XXXX XXXX XXXX  Inquired on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. 
Inquired on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX for XXXX XXXX Inquired on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX for XXXX Inquired on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX for XXXX XXXX Inquired on XX/XX/XXXX. XXXX Please see attached files titled " Equifax '' and " XXXX Equifax.pdf ''. I have also attached images of the USPS Certified Mail receipt. 

It has been over 60 days since I contacted Equifax. I have not received any response from Equifax by email or mail. 

On XX/XX/XXXX, I received a letter from XXXX denying me a credit limit increase. A reason for the denial is that the credit reporting agency reported too many inquiries. ( Please see attached letter titled " XX/XX/XXXX - XXXX denied my request for credit increase.pdf '' ). 

Please help me. I have an excellent credit history. I have an exceptional payment history with zero delinquencies among the 10 open accounts. The only " poor '' part of my credit report is the amount of hard inquiries. Please investigate the seven ( 7 ) credit inquiries I indicated. Please remove the seven ( 7 ) credit inquiries. 

Another credit reporting agency ( not Equifax ) asked me to contact the vendor, obtain a deletion letter, and send authorization to the credit reporting agency. Please do not ask me to do this. Please forgive me for being utterly exhausted and burnt out. I am so sorry. 

Thank you for your time and attention to this matter. Please investigate and remove the seven ( 7 ) credit inquiries I indicated. Thank you very much.
Product: Mortgage

Freedom Mortgage Company has lost and otherwise misapplied three of my mortgage payments over the course of the past six months, the most recent payment being my XXXX 2016 mortgage payment which was made on XXXX XXXX, 2016 and received on XXXX XXXX, 2016. 

Despite repeated attempts to locate my payment and sending proof of the payment by my bank to Freedom Mortgage, they continue to call me daily, send me threatening letters with late charges assessed and harass me. Most importantly, they are incompetent in servicing my mortgage loan. They have cost me countless hours of phone calls, waiting on hold and passing me from person to person without providing any answers as to the whereabouts of my payment. 

After calling them every day this week, they are telling me at the 11th hour that my bank sent the payment electronically and they ( suddenly and without notice ) are telling me that they " do not accept electronic payments ''. The only method for payment instruction that my banking institution ( XXXX XXXX XXXX ) has for them is to send the payment electronically. 

Now, after waiting an entire week, they are telling me that I have to go back to my bank and get them to track down the lost payment. 

All of this is beyond frustrating and not the first time that this has happened to me in my less than 2 years of having a loan with this incompetent company. They should be fined and put out of business. 

My next course of action is going to be to refinance this loan with another bank to get rid of them. I have the luxury of being able to do that. Many other consumers may not have the same ability. 

They are awful!
Product: Money transfer, virtual currency, or money service

I sent a wire transfer on XX/XX/XXXX from my bank to : CoinbaseCoinbase, XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX Bank Name XXXX XXXX XXXX Bank Address XXXX XXXX XXXX XXXX Fl XXXX XXXX, NY XXXX XXXX. 

After sending the transfer, I noticed that it said to send with personal name and not a business name. The bank was not sure if they sent it with my personal name or business name but finally decided that they sent it using my personal name, which should of been correct. I sent an email to Coinbase to clarify the issue and make sure that if it was sent in my name that it shouldnt be a problem to deposit into my account. If it was in my business name, to just cancel and send back to my bank. I received an email finally on XX/XX/XXXX with a case number and the standard they are working on it. The case number is # XXXX. I responded letting them know to please cancel the transfer and just send back to my bank. I have not heard back from them in 2 weeks. I just want the transfer canceled on their end and sent back to my bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the **Bureau** credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ***Fraudulent Account -- -Account Number, Opened Date, and Balance*** These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Have tried many times to send a wire from Wells Fargo to XXXX XXXX XXXX and am being told that XXXX XXXX XXXX  does not exist. XXXX XXXX XXXX routing number of XXXX. 
Have many clients that can not wire from Wells Fargo to XXXX XXXX XXXX. 

Wells Fargo needs to update their XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied car loan due to this ridiculous unheard of credit reporting agency giving me a XXXX credit report when XXXX and XXXX reported me 150 points above that!! I have no late payments or delinquencies and paid off my last car. Also my inquiries were substantial after going to only 2 car dealerships. They also claimed I had limited time at this phone number but that has been my cell for at least 8 years. They also used my daughters student loans that are deferred against my present credit. There is thousands of complaints online about this company. When contacted they will not answer how they computed my score or where they got telephone false information from. They also want all my personal info to send me credit report and I think that's against federal guidelines. I worked very hard for 2 years to improve my credit while I dealt with my sons head injury and they should not be able to give people 150-250 under their other credit scores. Who is there to look out for the little guy? There has to be some federal accountability. Please close them down before they hurt other people or lose good loans based on false scores
Product: Checking or savings account

I deposited funds from a real estate transaction on XXXX/XXXX/XXXX. Chase has placed a hold on the funds until XXXX/XXXX/XXXX. Chase is collecting free interest on my money, instead of allowing that interest to accrue to me.