23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV Funding LLC is threatening me saying I owe them when I never did any business with them or signed any contract with them so right now it's just pure harassment in their end please remove them from any of my credit reports
Product: Debt collection

I have been a victim of fraud since XXXX and it has been well documented in the court. On XXXX my lawyer at that time informed XXXX XXXX of the fraud and that I will make the last payment until they clarify how they were able to buy two houses in my name and then sale one overnight and give me a new loan of my own house that I have requested 9 months ago. They never answer this and they sold the loan to XXXX XXXX with all the garbage loans bought by XXXX. Then on XXXX XXXX and XXXX XXXX  XXXX left the case in case in the court, The case was closed by the court in XXXX and I thought everything was finalized. 
Then, in XXXX this company SLS loan servicing came with many wrong tactics claiming the loan belongs to them, they claimed foreclosure in my community and it was not true. They have canceled my homeowner insurance and placed their own. However, I continued paying my own homeowner 's insurance and flood insurance and my property taxes which they also have tried to remove me from it and they want to pay it. 
The harrasment has been enormous SLS come and place a paper/note on my door since XXXX take picture and remove the papers to avoid the home owner to find a lawyer and save the property form foreclosure. IT is not right. Fortunately, my case has been with lawyers but I want to know how many people has lost their house with this tactics? they call my phone as well. Now, They are charging enormous interest and charges without reason. Where was this SLS previously? so now they come at any year, buy a loan for a XXXX and make money like this? I need to save my house from these thieves called SLS please help me to find the answer because my lawyer does not know what to do next Thank you
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the discrepancies in my credit reports regarding late payments. Specifically, the payment information across all three credit bureausTransUnion, Experian, and XXXXcontains inaccuracies. For instance, XXXX indicates that my XXXX payment was not made, while Experian shows that it was paid, along with additional payments made ahead of schedule. 

I have contacted the company multiple times to request the removal of these late payments, as I was participating in the XXXX XXXX XXXX XXXXXXXX through my mortgage company. Once the assistance was provided, the program made payments not only to bring my mortgage current but also to pay ahead through XXXX, which is not reflected in any of the credit reports. 

Additionally, I submitted a XXXX letter requesting the deletion of these late payments, but I received a response stating that company policy does not allow for such action. After conducting further research, I have reason to believe this response is incorrect. Furthermore, I would like to highlight that my mortgage was sold to a new lender in XXXX, yet the previous company continues to report this inaccurate information. 

I would also like to draw your attention to the requirements under 15 U.S.C. 1681s-2 ( a ) ( 7 ), which pertains to the Notice of Negative Information . This statute mandates that a lender must provide notice to the consumer when negative information is reported to a credit reporting agency. Given the inaccuracies in my reports regarding late payments, it is crucial to determine whether the reporting company has adhered to this requirement, as the failure to provide proper notice may further support my case for correcting the erroneous information on my credit reports.

I kindly request your assistance in resolving these discrepancies to ensure that my credit report accurately reflects my payment history and complies with the requirements set forth in the FCRA. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all XXXX credit bureaus them on XX/XX/2022. 

You are reporting Inaccurate information in consumer reports concerning me that you have complied and published to third parties. The following tradeline item is inaccurate because you have my name, address and employer inaccurate. 
Name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inaccurate Employer : XXXX XXXX XXXX XXXX. Inaccurate Addresses : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX  XXXX inaccurate XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX inaccurate
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Department, I am writing to formally dispute the following accounts that have been inaccurately reported on my credit file. Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I am requesting full verification of these accounts. If you can not provide verifiable proof that these accounts belong to me, they must be permanently deleted. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FCRA Section 609 Request : Under 15 U.S. Code 1681g, I request full documentation, including any signed agreements or proof that I am legally obligated for these accounts. If such documentation does not exist, these accounts must be removed immediately.

FCRA Section 611 Request : Per 15 U.S. Code 1681i, you are required to reinvestigate these accounts within 30 days. If you can not verify their accuracy, you must delete them from my credit report immediately. 

Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

CENTRIC BANK Account type - Credit card Date opened - XX/XX/2019 Address Above Account created under CENTRIC BANK without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Product: Credit card

I applied for a XXXX XXXX Credit Card from Chase Bank. The offer was {$400.00} credit offered as {$200.00} egift card and {$200.00} statement credit on spending {$500.00} with the card. The egift card was due upon approval of the card.

My card was approved on XX/XX/year>. I asked about the egift card. They said it will be sent to my email id within 2 business days. I waited until XX/XX/XXXX as I did not receive the card. I called them and escalated. They said they would repond urgently and send me the egift card. On XX/XX/XXXX I received an email that I should send them a secure email back. Which I did. Again I get another secure email saying that they're creating another ticket.

They're simply sending me in circles and not honoring their offer. I have a copy of the offer saved.
Product: Mortgage

My mortgage was purchased by Arvest Bank from XXXX. They soon forced me to purchase flood insurance. Even though XXXX was not forcing me too. I have supplied them with a LETTER OF MAP REVISION DETERMINATION DOCUMENT. They have refused accept it. They have not supplied anything to me in writing. I can not get past the customer service Rep, who takes my paper work, then says they do not have direct contact with the " flood insurance '' department Attached the LETTER OF MAP REVISION DETERMINATION DOCUMENT Attached Mortgage State with loan info and showing the forced payment.
Product: Debt collection

I got a new car in 2016. I had a 72 month note. Months later I paid a lump sum on the note because I am retiring in less than 2 years. After I paid the lump sum my date to pay off the car went from 72 months to about 24 months. I will have my car paid off in 13 months as of now. However, I missed a payment 2 months ago. I told them I was having medical issues and I will hopefully catch up on the missed month as soon as possible. I reminded them that I had paid a lump sum to cut down the time of the car loan and I did n't think I could be behind on my account. I literally took 5 years off my account so how could it be behind. I have n't missed another payment. I have now received a letter stating that adverse actions would be taken if I did n't pay the missed amount. Also, my account is now saying I am 3 payments behind when I only missed one. I am not missing another payment but this does n't sound legal. It seems the closer I get to paying off the car the more the company harasses me. The company did n't recalculate my payments after I paid most of the car off but they are threatening me for missing a payment. What do I need to do and how can they do this when the account is 4 years ahead?
Product: Debt collection

I received a letter advising me that Caine & Weiner had acquired a debt in my name. I immediately respond by USPS that I disputed the debt and I requested that they send me an itemized statement so that I could/could not validate the debt. I was NEVER provided with anything, I was also never contacted again and only found out this debt was still active when I received an alert from my credit file.
Product: Debt collection

I saw " Pro Collect Inc '' on my file. I never lived at the property in question, never received an invoice or notice about anything owed, never received notice that I can dispute debt and Pro Collect did not validate debt. They can't validate the debt because I heard the name in a debt is in a completely different name than my name. I also was informed the alleged merchant named XXXX XXXX does not even have a copy of identification for the supposed name for the debt. 
The debt is not mine and can not ever be validated or linked to my, and it need to be completely removed from my credit file, removed from my social security number, and a letter of apology issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion 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

I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. If you continue with your non-compliance is a violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

state laws changed in XX/XX/2017 regarding child support reporting and I have requested to have information removed from all three credit bureaus child support is not a contractual debt, no services or products were given and amounts are not determined as such and should be removed from credit files. All 3 bureaus refuse to remove account ; they are using a computer system to verify debt which is invalid I have receive documents from Dept of Human Services and Courts stating that they do not report public records to credit bureaus so if the information isn't getting verified from the source who or how is it getting verified. Along with Illinios DCFS these account are invalid for same reason I do not have contract and these items do not belong to me : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX
Product: Credit card

I transferred {$9000.00} of my American Express balance to XXXXXXXX XXXX on XX/XX/XXXX. XXXXXXXX XXXX has added {$9000.00} to my balance by Amex hasnt credited a {$9000.00} to my account. I have contacted Amex and they dont seem very concerned about it, but I am.
Product: Checking or savings account

I was referred to Current by a friend ( who knows somebody that works at Current ). I opened an account through the app on XX/XX/2022. On XX/XX/XXXX, I initiated an automatic biweekly deposit to being the following week from a linked personal XXXX XXXX checking account. On XX/XX/XXXX, I received my physical debit card in the mail and logged into the application to activate it and transfer {$100.00} to the account. I noticed that on XX/XX/XXXX, my account had declined a transaction for XXXX XXXX XXXX ( XXXX  ) because there were no funds. As this was not an authorized transaction, I contacted support to figure out how my account was being used in a fraudulent manner within a few days of setup ( refer to attached conversation screenshots ). Upon telling me it was a security issue on my end and that my phone was likely being snooped ( despite no other issues ), I changed all of my security settings and installed XXXX XXXX ( no issues identified ) on my phone and Current issued a new virtual debit card. In the app, I paused the virtual and physical debit cards, which prevents usage per the agents suggestion. I also got a new phone the first week of XXXX and deactivated/cleared my old one. On XX/XX/XXXX, there was another unauthorized, declined transaction notification ( this was declined because my cards were paused ). I reached out again to customer service to understand what was happening with all of the unauthorized transactions on this new account. The agent mentioned they had also been hacked and that Current was doing their best to secure everyones accounts. I had the agent revoke access to my account from all known devices and issue a new virtual debit card again. I have yet to receive any notification of security breaches and can not get the Company to provide information about what personal information might have been leaked. 

I listed my employer name in the App, but set up Direct Deposit with my employer. I am currently trying to void and cancel my paycheck to prevent it from hitting the Current Account in case my employers bank account information is breached through this Company.
Product: Credit reporting or other personal consumer reports

I have sent out letter to Equifax XXXX XXXX about these hard inquiries on my account and also filled out a FTC report and they keep denying my request for removal. How did they verify these accounts are accurate? Please send me any type of documentation that you had that shows that you verified this is accurate. who did you talk to? what time did you talk to them? what was their name? What department did they work in? what did they say? Dis they show Equifax XXXX XXXX any proof? How did they validate the accuracy of these accounts? Please send me any and all documentation that you have that shows that you actually did your job and validated these accounts.Send me these documents within 15 days. If you cant not send me these documents in 15 days, delete this from my account immediately. Delete these unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ETbSEQ. Section 604 of fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion are reporting incorrect information on my credit report in my personal profile.
Product: Mortgage

In receipt of the latest correspondence from Wells Fargo Home Mortgage, dated XX/XX/XXXX, which lists the current balance and total payments. The lists of current payments include, {$820.00} / Unpaid payment XXXX and Total payment of {$3300.00}. On XX/XX/XXXX, I visited the Wells Fargo Branch located in XXXX XXXX XXXX XXXX, where I spoke directly with personal banker XXXX XXXX deposited {$1600.00}, with a unapplied amount of {$19.00} to be added totaling {$1600.00}. Additionally XXXX XXXX contacted Wells Fargo Home Mortgage representatives, while I witnessed the conversation, which resulted in the representative understanding how much was to be deposited and how it was to be deposited. Also while I sat with XXXX XXXX, I left a voicemail with my new point of contact XXXX XXXX ( XXXX ) XXXX, along with my repeated concerns of how my mortgage payments were applied and also the three ( 3 ) escrow analysis performed on my mortgage account without my consent and or authorization. XXXX XXXX assured me that he would make every effort to address my concerns, handing me his personal card, information, etc. Today 's letter however does not reflect the deposits I made on XX/XX/XXXX, thus reinforcing the fact that monies sit in the banking institutions while gaining interest. The fact that Wells Fargo Home Mortgage has state of the art communications at their disposal, it baffles me that money sits after deposits are made, while Wells Fargo insists this is not the case. It is my hope the constant letter sent to credit bureaus/agencies and a definitive answer can somehow have clarification in writing. The constant robo letters sent by Wells Fargo Home Mortgage, never answers any questions. Only satisfying inquiries sent into the CFPB and their guidelines for response. I request undated accounts and accountability of those involved in the constant delay tactics and non-answers from Wells Fargo Home Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I went to purchase a car on XX/XX/2019 at XXXX XXXX. I signed a credit check and now I have two different inquiries on my credit report. One from the dealership, XXXX XXXX, and another from Nissan Motor Acceptance Corp. I was never told by the dealership that their would be more than one credit inquiry on my report. Also I have leased over the past 6 years and have always received only one inquiry on my report. When I spoke to the finance manager he claimed the new system they use runs your credit twice and they had no control over it.
Product: Checking or savings account

Despite reporting identity theft and multiple complaints against FNBO, I have received a text message purporting to be them demanding money.
Product: Student loan

I am a student abroad, so I filled out a form ( in-school deferment request ) and submitted it in XXXX so that I would not have to make loan payments while I'm in school. Yet I am still being charged and EdFinancial services is telling me I'm delinquent on my payments. I have uploaded the form XXXX times now and submitted contact forms to them at least XXXX times. Because I do not live in the XXXX i am not able to call them. They have been completely unresponsive.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Clerical Error : The payment was made on time, and I have attached bank statements confirming the payment date. 
Processing Delay : There was a delay in processing the payment on the creditor 's end, which resulted in the payment being marked late. Correspondence with the creditor confirms this. 
Miscommunication : I was informed by the lender that the payment due date had been extended. I have provided evidence of the communication where this extension was acknowledged by the lender. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

unauthorized transactions on chime account i disputed and canceled my card chime was told i would recieve a temporary credit until a decision was made and i never recieved no temporary credit, later on declined my disputes with no explanation i have reached out to customer service numerous times with no result XX/XX/2023 / XX/XX/2023 2023
Product: Debt collection

Keybank called to collect a debt. I did not talk to them, I am aware of the debt and have no other financial business with them. They called between XXXX XXXX and XXXX XXXX.