23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX, TX XXXX To : Lvnv Funding LLC XXXX XXXX XXXX XXXX SC XXXX Date : XX/XX/year> To Whom it May Concern : This letter is sent in response to a notice delivered to me on XX/XX/year> regarding account LAST 4 # XXXX Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed, and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. 
I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; Valid copies of the debt agreement stating the amount of the debt and interest charges ; Proof that the Statute of Limitations has not expired ; Complete payment history on this account along with an accounting of all additional charges being assessed ; Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for attorney fees should I be forced to bring this matter before a judge. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This CRA is in violation of my consumer rights. 

U.S.C. 1681b ( 2 ) Permissible purpose of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I am the consumer to whom it relates, I did not give this CRA written permission to furnish any information on my report. I ask that you please delete the entirety of the following account.

Infractions as follows : XXXX XXXX XXXX XXXX XXXX  XXXX This CRA is also in violation of my consumer rights according to 15 USC1681 and the FCRA 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

My monthly payments to you are considered under an open end consumer credit plan.

You are the creditor. Please update this account to PAANL. ( Paid as Agreed Never Late ). 


Infractions are as follow : XXXX XXXX XXXX ACCT # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 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 item of information, other than records of convictions of 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2018, a fraudulent savings/checking account at First Tech Credit Union was opened in my name. On XX/XX/2018, I discovered this fraudulently opened account via a First Tech account statement that was mailed to my home. 

I had no knowledge of this account, I did not open the account nor did I authorize anyone to open the account in my name. 

On XX/XX/XXXX, I sent a letter via certified mail to First Tech 's Fraud  department in XXXX, Oregon. The letter stated that I had no knowledge of the account, that I did not open the account or authorize anyone to open the account and requested that First Tech take  immediate corrective action on this account. Further, I required that First Tech notify me in writing that corrective action was taken or that they notify me the reason ( s ) why corrective action could not be taken. 

The certified letter was picked up and signed for by a First Tech employee on XX/XX/2018. To date, I have not heard from First Tech regarding this matter. I called First Tech 's customer service XX/XX/2018 and discovered that the fraudulent account is still active and no actions have been taken by First Tech.
Product: Credit reporting or other personal consumer reports

i filed a dispute because XXXX XXXX reported that my account is still in foreclosure or foreclosure was initiated. the account was paid in full and should be reported as such. the house was sold in XXXX and the mortgage company verified the debt was paid in full so they should report it to the credit bureau as paid in full
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I've been a victim of identity theft and tound numerous credit inquiries i nave no knowledge of here are the inquiries that I've found : XXXXXXXX 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX FEDERAL TRADE COMMISSION IdentityTheft.gov And I also have proof that it popped on overnight I also attached that identity theft report for inquiries
Product: Checking or savings account

I have had fraud on my Wisely Debit ( Global Cash Card ) account. Wisely provides " pay card '' services to employees of XXXX XXXX in Arizona. 

I had fraud on my account in XXXX 2023 ( {$8200.00} ) and then again in XX/XX/2023 ( {$8600.00} ). Both times, Wisely has been the absolute worst to deal with and void of any support to the consumer. In XXXX, I had to obtain help from ADP in order to receive the refund and some support with getting my funds back. Now, a few months later and after receiving new debit card, Wisely has allowed MORE fraudulent activity to occur on my account without any notification or sense to stop it. Any other banking institution would notify their customers of suspicious activity and stop the payments. 

Please note the following issues with the most recent incident : -Wisely refuses to email a letter that must be filled/signed in order for an investigated or or refund. They instead mail a letter, that took several weeks to be delivered in the XXXX incident. 
-The funds will not be returned until the investigation is completed. 
-They are unknowledgeable of policies and regulations/laws, and lie to consumers. After speaking with a supervisor, I was informed a letter can be emailed instead. 2 days later and no email, I contact them again and the next supervisor indicated that it can not be emailed and I was misinformed. 
-After locking my card via app AND contacting them to inform them of the fraud, they indicated they locked the card and account. Wisely CONTINUED to allow fraudulent activity on my card and MORE of my hard-earned money was stolen. 

This is blatant violation of consumer and citizen rights. 

-I grant permission for CFPB to obtain my call records from Wisely to investigate this. 
-I have also filed a complaint with the Arizona Attorney General 's office ( # XXXX ) to inform them of Wiseley 's fraudulent behaviors. 

Most recent complaint reference with Wisely : # XXXX Funds and dates of fraud : XX/XX/2023 : {$1000.00} XX/XX/2023 : {$1500.00} XX/XX/2023 : {$1300.00} XX/XX/2023 : {$1300.00} XX/XX/2023 : {$1700.00} XX/XX/2023 : {$1700.00}
Product: Consumer Loan

Hi my name is XXXX XXXX and I 'm contacting you concerning my PNC car loan for 2008 XXXX i paid the balance off which came from my XXXX which was XXXX in a check form which did clear my bank cause the first two times the numbers we 're entered inccorectly so i sent a check but they still has i owe them so i want this cleared up i have never been late on any payments until 3 months ago and always paid a little more then i fell behind and they meaning PNC had no compassion so went into my XXXX and paid it off now want my full credit
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXXXXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year> & XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Credit card or prepaid card

I opened Meijer credit card in XX/XX/2018. The initial credit limit was {$500.00}. I made purchases in XXXX that totaled around {$300.00}. I also had XXXX  XXXX that charged around {$8.00} each billing cycle. I was making payments each month to bring down the balance but fell behind a couple payments and was charged late fees of {$30.00} plus a month. These fees ( XXXX XXXX/interest/Late fees ) added up and made the balance {$440.00}. In XXXX the limit of the card was decreased to {$400.00} causing it to seem as if I had exceeded my credit limit, causing damage to my credit score. Is it legal/ethical for credit card companies to decrease a limit and creating an over the limit scenario?
Product: Debt collection

I responded to a XXXX XXXX in XXXX. This is what the Ad said. The program is for individuals with good to excellent credit. If accepted in the program. We compensate up to {$5000.00}. Summary. Program. Get paid to use your credit. Legal Doc for partnership,, Quarterly Dividend, Free Credit repair with partnership, Contact XXXX for more information at XXXX. 
XXXX and I did. XXXX welcome me in the program. Met with me in XXXX Florida, l sign a contract l thought was real. He said the contract would show he was liable for any debt, l order cards for XXXX American Express, XXXX XXXX XXXXXXXX. He had me to use his address .So l never received. Bills.. I never use these cards for anything, l think he paid online. Until he decided he was not going to pay anymore. He block me on the phone. I sent the police to the address he provided at XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXl XXXX and found XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXX. XXXX Florida XXXX. This address is current. He charge over {$14000.00} with XXXX  in which l never receive a bill l later found out through email. This scammer also charge over {$8000.00} on American Express. I am receiving calls XXXX. I want this debt charge to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I did not make any purchases on this card and I never received bills.
Product: Credit card

I have been getting calls from two ( 2 ) individuals saying they are from the Consumer Protection Bureau in regards to a credit card application that is pending in XXXX, TX. The two individuals used the following identification XXXX ( no name given ) ; and XXXX XXXX XXXX. The caller indicated that a credit card application was pending and started to set in motion some type of secure protocol but suddenly hung up. I looked at XXXX to check on the card from Bank of America. I have no business with Bank of America that I know about. The individuals that are calling is hard to understand what is being said completely. Plus, I have had no business in the XXXX area for any reason. I received XXXX call on XX/XX/year> and today, XX/XX/year>. This last call came from Indiana - XXXX. Each call has hung up in the middle of the call for some reason. loa...
Product: Checking or savings account

On XX/XX/XXXX, I received a text alert that my US Bank checking account had been overdrawn. When I reviewed my account, I found that {$37000.00} had been withdrawn from my account as a result of XXXX fraudulent checks. Immediately after I discovered that the XXXX fraudulent checks had been cashed, I visited the local US Bank branch. The staff at the branch assisted me with filing an Affidavit with the fraud department. I want to emphasize that NO ONE AT US BANK alerted me that these checks had been cashed. The only notice that I received was that my account had been overdrafted. In the process of filling out the forms, it was discovered that XXXX different individuals had tried to cash XXXX ADDITIONAL FRAUDULENT CHECKS worth {$71000.00} on XX/XX/XXXX. While these checks were not processed, I was NOT NOTIFIED of this fraudulent activity. Had I been notified, this entire fiasco would have been avoided, and my money would have been secure and safe in my accounts. 

I have spent countless hours following up with US Bank and reporting this fraudulent activity and asking for return of my money. No representative from US Bank has followed up with me regarding this. When I inquired with the XXXX Department as to how long this would take, I was told that they did not have a time limit or guess on how long this would take. When I asked how to file a complaint, I was told there was NO COMPLAINT PROCESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware of late payment history associated with a student loan account on my credit report when I received a copy of my credit report in XXXX XXXX. XXXX and XXXX delinquencies were reported in XXXX and XXXX XXXX XXXX respectively, by XXXX XXXX XXXX XXXX XXXX " XXXX '' ). An address change request was sent by U.S. Mail to loan servicer University XXXX XXXX, XXXX ( " XXXX '' ) on XXXX XXXX XXXX. The address information in the request pertaining to this account was not updated properly, resulting in account statements sent to an invalid address. Because the account was in deferral status at the time the change of address request was sent, no payment was expected or required. Statements for XXXX and XXXX of XXXX indicating a payment amount due were sent to an invalid address. Thus, no payment was made for these XXXX months. After extensive travel and upon learning of the matter, I personally ensured the correct address information was reported and all past due payments were made. Since then, the account status has remained current and in good standing. However, the credit report currently reflects negative late payment information caused by the XXXX failure to update address information per my request. The credit reporting agency did not contact me to supply information related to this dispute. These errors should be removed from the credit report on both an inaccurate factual basis and goodwill grounds, due to the circumstances from which they arose.
Product: Payday loan, title loan, or personal loan

I applied for a loan with big picture loans and they gave me a 2000 loan but started taking money out of my bank account before the payment was due causing overdraft fees and so far they havent taken {$1200.00} from me and not one penny has gone to the loan. I offered to pay the loan off subtracting what I have paid and no one bothered to call me back they just keep continuing t take money out of my account they advertise their interest rate is 4 % to 16 % but they have been charging me about 300 %. This has to be illegal.
Product: Checking or savings account

On XXXX XXXX, XXXX I received a letter from Ally Bank noticing me that Ally Bank ( they ) will be closing my account on or about XXXX XXXX, XXXX. The letter did not specify a reason while citing their right of closing any account at any time for any reason from the Desposit Agreement ( ally.com/da ). However, by closing my account on XXXX XXXX, XXXX, Ally Bank will be avoiding fulfilling a promotional offer ( https : //www.ally.com/content/dam/pdf/corporate/offercode/getpaid.pdf? XXXX ) where they are obligated to deposit the bonus to my account on or by XXXX XXXX, XXXX. 

I have reached to Ally Bank customer service and they refused to provide a solution or fulfill the promotional offer terms. A reason I received from them is that they sent a letter to me on XXXX. XXXX, XXXX asking me to stop certain buying group activities otherwise they will close my account. However, despite it's questionable whether those certain use of my account is outside of their scope of service, I have stopped such use of my account since I received the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year in XXXX I found a fraudulent account opened with my social security number at Apple Card/GS Bank XXXX I filled an identitytheft.gov report, ref # XXXX. I notified XXXX about the fraud. The account was removed and I thought everything was taken care of. Then a couple months ago I checked the other credit bureaus and the fraudulent account is still there. 

Since then I have been in contact with the other credit bureaus and with Apple Card/GS Bank XXXX I have made many calls and filled disputes, but they will not remove it from my credit report and keep verifying it as correct.
Product: Mortgage

I received BOA Response stating that they cant remove late payments and failed to call out the CARES ACT, according to this act This CARES Act requirement applies only to agreements made between XX/XX/XXXX and the later of either : 120 days after XX/XX/XXXX OR 120 days AFTER the national emergency concerning COVID19 ends. I called and spoke with the case manager and he advised that the late reporting is Valid because the Cares Act ended XX/XX/XXXX. He calls out my returned payments, I was forced to to set up payments as I received calls threatening foreclosure and hoped to have received payment by the deadline. Made attempts to cancel those payments but was declined. He also mentioned that because hes worked other Covid related cases this is the outcome of the denial. Its apparent that BOA is not doing accurate research on this topic. They are going off what they Think. However the CFPB Terms, calls out there are credit reporting protection of terms of 120 days after the National Emergency of COVID 19. So a 120 days after the end date XXXX XXXX would have been XX/XX/XXXX and therefore late payments for XX/XX/XXXX and XX/XX/XXXX are required to be removed. Ive attached the policy so they CAN NOT reject and DECLINE or tell me incorrect information because apparently they are not following policy and procedure. This is unfair treatment because they are neglecting a National policy. This should be submitted to their compliance and legal team. They are clearly breaking the law. The service that Ive received is unhamane and unjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax obtained my personal information and failed to keep it secure, allowing hackers to obtain access to it. Equifax then failed to disclose this information for weeks.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$3100.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - late/Closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} - Charge off XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Credit Agency : Experian Inc. and XXXX Original Creditor is no longer in operation Original Creditor : XXXX XXXX  XXXX XXXX Debt Collector : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$4300.00} XX/XX/XXXX : My most recent dispute for the account above I am disputing a debt collection attempt from National XXXX XXXX XXXX a debt originally owed to XXXX XXXX  XXXX XXXX XXXX which is no longer in operation. The apartment complex associated with this debt has permanently closed, and the debt collector has failed to provide any proof that I owe this debt. Despite my requests, I have not received any documentation, such as a forward flow agreement, purchase agreement, or a detailed ledger, to validate the amount being claimed. Additionally, Experian did not properly investigate my dispute, which is a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that this debt be removed from my credit report and that all collection efforts cease until proper validation is provided, as required by the Fair Debt Collection Practices Act ( FDCPA ).