23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Communication & Debt Validation Request Accounts XXXX XXXX XXXX XXXX XXXXXXXX Dear LVNV Funding LLC, I am formally requesting that you immediately cease all phone calls, emails, and any other form of communication regarding accounts XXXX XXXXXXXX and XXXX XXXXXXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop all communication with me regarding this matter. Any further contact from your company outside of written correspondence regarding debt validation will be considered harassment. 

Additionally, I am requesting proper validation of this debt. Please note that previous bills or generic account statements do not constitute sufficient validation under the FDCPA. I require : A complete and itemized breakdown of the alleged debt, including the original creditors name, amount, and date of debt assignment. 
A copy of the original signed agreement or contract proving my obligation to this debt. 
Documentation showing that LVNV Funding LLC has the legal authority to collect this debt in the state of Louisiana. 
It is my understanding that LVNV Funding LLC does not have the legal right to collect debt in Louisiana. Therefore, any further attempts to collect on these accounts may be a violation of state laws. 

Furthermore, these accounts were previously deleted but have been re-added without proper notification. This is a violation of my consumer rights, and I demand that these accounts be permanently removed from my credit reports across all bureaus due to discrepancies and improper reporting. If this matter is not resolved promptly, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Louisiana Attorney Generals office, and other relevant authorities for further investigation. 

I expect written confirmation of the removal of these accounts and proper debt validation within the legally required time frame. Failure to comply with this request may result in legal action to protect my consumer rights.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, account number : XXXX, XXXX XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX, ACCOUNT NUMBER XXXX, XXXX, ACCOUNT NUMBER XXXX, XXXX XXXX, ACCOUNT NUMBER, XXXX has violated my rights. 

I looked at my TransUnion credit report on XX/XX/XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

Ive noticed unauthorized accounts on my credit report that may have been added without my consent, potentially due to fraud. Please block and remove these entries.
Product: Credit reporting

Describe what happened so we can understand the issue ... 
I am requesting that during this 60 day Investigation. That the items in question related to XXXX XXXX be removed from my credit report until the outcome has been finalized. This is part of the pending litigation pertaining to this matter as well. I am represented by a law firm and I am requesting that the site to be removed during the dispute and litigation. 

This is my second request. I have also disputed with the data furnisher twice.. 

cc : my attorney and authorized representative : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter onXX/XX/2021, which you have NOT responded to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Derogatory Account - Account Number XXXX I am writing to formally dispute the derogatory status of my account with Carmax Auto Finance, account number XXXX. I believe this account has been inaccurately reported, and I request a thorough investigation into this matter. 



- **Creditor Name : ** Carmax Auto Finance - **Account Type : ** Auto Loan - **Current Account Status : ** Derogatory - **Open Date : ** XX/XX/XXXX - **Closing Date : ** XX/XX/XXXX - **Payment Status : ** Charge Off - **Date of Last Payment : ** XX/XX/XXXX - **Remarks : ** Charged off as bad debt profit and loss write-off I would like to emphasize that I did not authorize any creditor to send information regarding my account, nor did I receive a 1099-C for this matter. Therefore, I kindly request that you provide documentation that supports the charge-off and the reporting of this account.

Please investigate this issue and provide me with a written response detailing the outcome of your investigation. I appreciate your prompt attention to this matter and look forward to a resolution. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I paid off my car loan with VW credit inc. on XXXX XX/XX/2024. They still took a payment from me on XXXX XX/XX/2024. I called the company and they said that my auto-pay was cancelled and that the payment was a mistake. They sent me a paper check refund in the mail. This was understandable as the pay-off was close to the payment date. 
Now, on XXXX XX/XX/2024, VW credit has charged my account another {$600.00} car payment. XXXX weeks after I paid off the loan and received the title. I called them and they tried to tell me that the bank must have an auto-pay set up and had sent them the money. And that my account was closed and they cant see anything in regards to any auto-pay settings that may still exist with VW credit . 
So I called my bank and they reassured me that there was no auto pay through the bank, and that VW credit had sent an ACH transaction to them with my account number and routing number for the payment. My best option to make sure this didn't happen again was to do a stop payment, which cost {$20.00} dollars ( or better yet XXXX gallons of milk, XXXX loaves of bread, and XXXX dozen eggs ). I reluctantly agreed to a stop payment just to make sure that this didn't happen again. 
I called VW credit back and asked to speak with a manager who was very dismissive and would not let go of the fact that it was the bank who sent VW credit the money. I asked to speak with someone in their technical support department to make sure that my information was not still stuck in an auto-pay debit even though my account was closed an unable to me manipulated. he declined and told me there was nobody else to talk to. And he tried to insinuate that the bank was lying to me, which is incorrect. The man at the bank was looking at the transaction and explaining it to me. 
VW has a reputation for being shady, and even if this was an honest mistake they were unwilling to even attempt to do anything to help me besides stonewall. And now I'm out {$600.00} for who knows how long, until the snail mail paper check shows up, and {$20.00} permanently for the stop payment charge. I still have electricity and water to pay and this is going to severely mess with my financial obligations this month. I would sue VW credit if I could.
Product: Mortgage

After I submitted CFPB claim XXXX about Wells Fargo XXXX XXXX forbearance program that has destroyed my credit despite paying them my contractual obligation, I decided to move my IRAs out of Wells Fargo because they have lost my trust. 

I put in XXXX different requests to transfer my IRA from Wells Fargo to XXXX on XXXX. Each time, Wells Fargo Brokerage rejected my request to transfer the funds outside of XXXX. I called Wells Fargo on XX/XX/24, and they would not tell me why the request was rejected, nor explain how to complete a transfer request outside of Wells Fargo. After an hour on the phone without answers to my questions, the line was disconnected and I was not called back. 

My assumption is XXXX is not allowing me to transfer assets because they still have not resolved the mortgage issue, and are locking my assets. This is a continuation of the predatory and outrageous practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) ( Bureau ) shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX  XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I am writing in regard to a fraud case that I filed with your company, Claim Number XXXX, in XXXX. 

Here are the details of this case. Back in XX/XX/year>, I applied for and opened a credit card with Bank of America. According to your records, a balance transfer of {$6600.00} was made onto the account, however this was not done by me. I have never once used this card. 

This matter only came to my attention when I received a letter via XXXX  saying that the account will be charged off if I dont make a payment in XXXX. At that point, I started inquiring about the situation and filed the fraud report. Within a few days I received notice that the fraud claim was rejected and that I was responsible for the transfer that I did not make. 

The fact that a company of your size would do such a quick and unthorough review and would immediately come to the conclusion that the charges are my responsibility despite numerous advertisements to the contrary is highly disappointing and extremely worrisome for me financially. 

I demand that you take action to see that these charges reversed immediately. In addition, I demand that Bank of America clarifies with the credit bureaus that this incident was of no fault of mine and works to correct my credit record.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary. Under Section 611 of the **Fair Credit Reporting Act ( FCRA ) **, I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have attached documents to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. 
Please remove these from my report : XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}, {$1100.00}, {$1200.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS -- 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 


-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I am challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2021, TD Bank accepted two checks for deposit made payable to me, my wife, as well as our lender XXXX XXXX XXXX XXXX. TD Bank cashed these checks despite the fact that the checks were not endorsed by any of the parties the checks were made payable to. The checks were in the amounts of {$13000.00} and XXXX respectively. TD Bank check detection contacted us by phone from XXXX to explain that an account holder had deposited the checks into their bank account on our behalf. We explained that the checks had not been received and no such permission had been granted. We later determined that the checks were mailed inadvertently to a previous address and stolen presumably by a TD Bank account holder. When we contacted TD Bank back to resolve the matter they refused to provide us with any information and do not return our calls. Copies of the checks provided clearly demonstrate that proper bank protocol was not followed. The following actions have been taken to no avail : a police report has been filed, USPS notified of the mail fraud, and affidavits filed at the issuing institution : XXXX XXXX  XXXX. Copies of the documents have been attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely appalled by the recent investigation into items that I disputed last month. I disputed last month because my XXXX and XXXX accounts were never late and I submitted my proof of payment and forbearance status. I also had two XXXX accounts that were reporting inaccurately, and these accounts still report inaccurately. I submitted proof of payment and other form of proof that show these inaccuracies. These items still remained after their so called " investigation ''. These accounts are STILL being reported illegally. Earlier today, I received a letter stating that your investigation was complete. Your investigation could not have been thorough, if you used an automated system, E-OSCAR, Im sure you know this is not a complete legal investigation. Please delete immediately! 

Accounts to be updated to paid as agreed : 1. XXXX : XXXX 2. XX/XX/XXXX : XXXX Deleted : 1. XXXX : XXXX 2. XXXX : XXXX XXXX : 1. For XXXX I have attached the documents detailing I was in forbearance. 
2. For XXXX I have attached my bank statements showing that payment was made for these dates. 
3. For both XXXX accounts, I have attached the payment agreement that I had with XXXX, as well as proof the amount was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITI CARDS/CITIBANK Address XXXX XXXX XXXX XXXX XXXX SD XXXX Phone number ( XXXX ) XXXX I submitted application through XXXX XXXX and was advised that inquiry would be a soft inquiry ; however after checking my report through XXXX it shows as hard inquiry and point dropped as a result. I reached out to XXXX who advised me to reach out to XXXX XXXX who advise me to reach out to bank directly and no one was able to assist. 

Inquiry happened on XX/XX/2022
Product: Checking or savings account

NetSpend authorized over 21 charges in XXXX over 88 minutes directly after my direct deposit. This was clearly an inside job of a NetSpend employee as the first phishing attempts occurred the same time of month my regular direct deposit occurs, always XXXX XXXX of the month. 
They refused to open a case with a case number while the requests were pending showing hold which further jeopardized my efforts to conform to their policy, report within 24 hours. 

Their call center is in XXXX. All my legal charges are in California, XXXX and only ever in XXXX out of America. 

Four to five charges from XXXX occurred per minute directly on the XXXX my paycheck direct deposit came in at XXXX XXXX with 5-6 companies repeatedly making charges. NetSpend provided the approval codes starting at XXXX, XXXX all the way consecutively through XXXX. Fraud of $ XXXX+ occurred and NetSpend made 0 efforts to warn me. These were all made in XXXX where I have never purchased online, I am born in California, have never been to XXXX and charges totaling $ XXXX+ were  taken from my checking account balance before I looked at my phone, my paycheck availability immediately was reduced {$2600.00} versus a Hold being placed. 

Card was cancelled within 2 hours of this. After cancellation, 10 hours later another 29 charges from the same criminal organizations in XXXX and charges below were placed on Hold and Pending by NetSpend.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXX  I disputed bankruptcies cases with Experian. I was told that XXXX XXXX was the supplier of the information they were getting. On XX/XX/XXXX I disputed the information and also supplied Experian with a letter from XXXX XXXX that they deleted the information because they couldn't prove the bankruptcies return Experian still hasn't remove the bankruptcies from my file. I disputed it on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have disputing this since XXXX.