23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am being robo-call harassed daily by a collection company called XXXX XXXX   XXXX. They are calling in an attempt to collect on old ( zombie ) debt long past the Statute Of Limitations. They are trying to trick and bully me into making a payment to reset the SOL clock. I have repeatedly told them to leave me alone and stop contacting me and that they do not have my permission to call my phone or contact me by any other means. I have ask them to take my number out of their robo-call system. They have ignored my requests and continue with the unwanted robocalls. I would like to sue XXXX XXXX XXXX in a court of law for the maximum {$1500.00} per robocall and am now keeping a log of their continued harassment. These near constant robocall are causing me mental and physical stress.
Product: Debt collection

North American Credit Services mailed a letter about a debt for {$940.00} from a XXXX XXXX XXXX On XX/XX/year>, I asked for debt validation. I also asked for a purchase agreement between XXXX and the original creditor to ensure this debt was being collected legally, as in the debt was indeed purchased from the original creditor. They provided a validation letter missing some validation information I had asked for and the purchase agreement. They also " corrected '' the amount owed to {$470.00} I inquired again on XX/XX/XXXX and this time was met with no response. I also asked about why they were trying to overcollect {$500.00} in unowed debt. On XX/XX/year> I asked for no further contact in any method of contact. On XX/XX/year> I received another collection letter. I also do not owe this debt as it is a paid off charge at my doctor 's office.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX {$520.00} Opilphnt usa llc {$420.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXXXXXX {$230.00}
Product: Student loan

There were XXXX loan fraudulently taken out in my name through Mohela/Dept of Ed XXXX 

MOHELA/DEPT OF ED XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX One taken out on XX/XX/22 for {$2100.00}. 
One taken out on XX/XX/22 for {$1100.00}. 

I did not take these loans out. They were taken out under my name fraudulently. 

I have tried to contact the company multiple times and hade been on hold over an hour only to be disconnected. 

Can you please help me with this before anymore loans are taken out in my name? 

Thank you so much! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion and XXXX have violated my rights as a federally protected consumer and allowed several XXXX 's to pull XXXX Inquiries of my credit report without permissible purpose. XXXX, TransUnion, XXXX, are in violation of 15 US Code 1681b providing multiple Trilegiant 's a copy of my credit report without my written consent.
Product: Debt collection

I am writing regarding the account referenced above, which I understand was sold to LVNV Funding. After reviewing my records and correspondence, I am disputing the validity of this debt for the following reasons : Verification of Ownership : I request verification of the original account details, including a detailed breakdown of the balance and evidence supporting the debt 's legitimacy. 
Sale of Debt : Please provide documentation showing the sale or transfer of this account to LVNV Funding, including the date and terms of the transfer.

Payment History : I request a complete payme
nt history, including any charges, fees, or interest added to the balance.

Prohibited Arbitration Clause : The original contract for this account explicitly states that arbitration is not permitted as a resolution method. Therefore, any attempts by LVNV Funding or any other party to pursue arbitration are a violation of the terms of the original agreement. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information regarding any reported debt. Please investigate this matter and provide clarification within 30 days of receiving this letter. 

If the debt is confirmed to be valid, I request the removal of any inaccurate or outdated information from my credit report. If you are unable to provide the requested documentation, I request that you notify LVNV Funding to cease collection activities and remove any reference to this debt from my credit report.

I appreciate your prompt attention to this matter. Please send all correspondence to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware that my identity was stolen towards the end of XXXX. I was made aware and contacted Navy Federal Credit union in XXXX that there were was a check/savings account opened and a credit card in my name with them. Since then, they closed the accounts but are still reporting the credit card as unpaid and it is financially hurting my credit and i am unable to be approved for a mortgage/ other credit because of this issue. I called in XXXX and they said they still are working on it. It should not take 4 months to get this resolved. ( I had a XXXX XXXX opened in my name because of this identity theft and that was already resolved ). In XXXX i sent them an email with my police report and ID 's so they can validate it was not me and still did not hear anything.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent a dispute to XXXX, Experian as well as XXXX about my credit report. I saw a lot of unknown inquiries on my report. Some companies did hard pulls on my credit two or three times without my knowledge. I sent a letter to all three credit bureaus on XX/XX/2019. I still have yet to receive anything from either XXXX nor Experian. I did receive a letter back from XXXX and I will continue to dispute with them. 

My Concern is that it has been over 30 days and XXXX  and Experian has yet to reply. Within the FCRA they have 30 days to respond or else they will have to remove things from my credit report. This is hurting my credit worthiness so I need them to remove these items.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft for over 10 years. I recently discovered this in XX/XX/XXXX. I was advised to report these fraudulent accounts. A " XXXX XXXX '' from XXXX XXXX opened on XX/XX/XXXX with a balance of {$22000.00}. Also a " XXXX  XXXX '' opened on XX/XX/XXXX with a {$15000.00}. I reported these accounts as fraudulent. I haven't submitted a police report yet but i will soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted a dispute to Transunion regarding incorrect reporting on 2 closed mortgage accounts by XXXX XXXX XXXX. XXXX  XXXX XXXX incorrectly reported delinquent payments on these accounts while they were in forbearance that XXXX  XXXX XXXX offered me due to the CARES act. My Transunion credit report is showing the accounts in forbearance with delinquent payments at the same time. I reached out to XXXX  XXXX XXXX, who corrected the information on my accounts. 
XXXX  XXXX XXXX informed me by letters dated XX/XX/XXXX and XX/XX/2020 that XXXX  XXXX XXXX had updated reporting of these accounts to show payment status as " payed as agreed '', with no mention of delinquency. Transunion has failed to remove the remarks from these accounts, and is informing me that the incorrect information is what XXXX  XXXX XXXX has verified as correct. 
On XX/XX/2020, I sent another dispute to Transunion by registered mail, for which I have not received an acknowledgement receipt. I called Transunion on XX/XX/XXXX to inquire as to the progress of the second dispute, I was told that no letter or documentation had been received. As of today, XX/XX/XXXX, I have not received communication or confirmation from Transunion regarding this latest dispute, and the inaccurate information is still on my credit report.
Product: Checking or savings account

I filed XXXX disputes with PNC Bank ... XXXX for {$30.00} on XX/XX/XXXX... XXXX XXXX XXXX XXXX XXXX XXXX for {$75.00} on XX/XX/XXXX .... 
XXXX  I was issued a provisional credit for both amounts until the dispute was concluded. On XX/XX/XXXX, a final dispute was credited back to my account. On XX/XX/XXXX, I went to PNC Bank located at XXXX XXXX XXXX, XXXX, IL and withdrew & XXXX... XXXX came back on XX/XX/XXXX & & took the funds again for {$75.00} then PNC Bank said they were trying to take more and therefore PNC Bank said a new dispute had to be created ... now I've gotten my money and asked that the account be closed because by now the Customer Service Agents were acting unprofessional ... this was a done deal and now they had blocked XXXX and began the process of using me a new ATM card. 
I went into the bank and got a new ATM card since it was taking so long. They said that my account couldn't be closed because of the new dispute... are they kidding me... So I had nothing to gain because I had already took the funds when they had finalized the first dispute.
Product: Mortgage

Shellpoint Mortgage seems to be refusing to send the assumption packet to my real estate agent. When I first asked if the Mortgage was assembled they told me know. When I called back with my real estate agent on the line they said it was assumable and she would file it but it would take 30 days or more. She also strangely asked me if I had planned on buying another house anytime soon. It's been XXXX weeks and I called today to check on the progress and they can't find any record of the specialist submitting anything, but said they'd submit it today and again I'd have to wait 30 days. I asked to speak to someone higher up and wherever I was transferred to sounded like they another person was called on a different phone and put on speaker to talk to me. This person wasn't helpful either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victoria secret is erroneously reporting incorrect late information to my account as I have paid them off and have a XXXX balance.
Product: Mortgage

ISSUE : FAILER TO ASSIST WITH THE ASSUMPTION PROCESS OF A LEGALLY ASSIGNABLE MORTGAGE We have a current VA mortgage with Freedom Mortgage, all payments are current, with XXXX late payments. We contacted Freedom Mortgage in XXXX of XXXX to inquire if our loan was assumable. They confirmed it was and mailed us a form to start the assumption process and give third-party authorization to our buyers. We completed the form in full, and both faxed and mailed a hard copy on XX/XX/XXXX. We and our buyers have both tried repeatedly to contact their assumptions team to get the assumption process started all to no avail. Every time we've called, they've stated the assumptions team is backlogged and we are in queue to receive a call back within 3 days. I've not received a callback, ever. They communicated to our buyers that they would call them to process their application on XX/XX/XXXX, however, the buyers never received the scheduled call. They indicated there is no process to do this over the phone, it all had to be done over the phone. If we do not close this deal on time, it will cause significant financial harm to our family and we feel strongly that Freedom Mortgage has failed to uphold its legal responsibility to service our loan in a prompt and reasonable manner, per 1024.38 General servicing policies, procedures, and requirements.
Product: Credit card

I have XXXX XXXX XXXX XXXX, XXXX $ limit i beleive, butnits not letting me use it for anything? Why?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian not updating scores and i paid to see all 3 bureaus
Product: Credit reporting or other personal consumer reports

I looked at my report and noticed some things are incomplete and inaccurate I sent a letter to all XXXX credit bureaus ( XXXX XXXX and TransUnion ) I asked them to investigate the completeness and accuracy. I received the results and noticed that they did not fix nothing. There are breaking FEDERAL LAW! 

According to 15usc 1681e ( b ) it states this ( b ) accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 usc 1681i ( 7 ) : ( 7 ) description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in a paragraph ( 6 ) ( b ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

They also are breaking these laws as well below 15 usc 1681i ( 5 ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general If, 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 According to 15 usc 1681s-2 it states this ( A ) reporting information with actual knowledge of errors This is unfair and if they doing it to me imagine who else they are doing this too. Can please fix
Product: Credit reporting or other personal consumer reports

I have submitted 3 disputes to each of the credit bureaus. An erroneous XXXX XXXX account was put on my credit report 3 months ago. My XXXX XXXX account has never been in collections. I even went down to the court house and got a copy of my XXXX XXXX payment ledger. The XXXX XXXX  account was NEVER a collection. The bureaus are ignoring my proof that I have been sending them! I was also never late on my Mortgage through XXXX. I have requested methods of validation for how they are verifying this account. Please see my attached dispute letters to all 3 bureaus and my XXXX XXXX payment ledger and court house documents.
Product: Checking or savings account

Wells Fargo did not properly investigate any of my XXXX fraud claims in XXXX, 2024. Instead, Wells Fargo falsely accused me of giving out my debit card and PIN # away without any proof. This is impossible since I had my debit card with me while these XXXX fraudulent charges incurred XXXX hours from my house. I requested Wells Fargo to provide me with any documentation regarding my investigation. I received no documentation. The merchant, XXXX XXXX in XXXX XXXX, CA, where the first Non Wells Fargo ATM charge occurred, does NOT exist. The merchant, XXXX XXXX XXXX in XXXX XXXX, CA, where the second Non Wells Fargo ATM charge occurred, also does NOT exist. The merchant, XXXX XXXX XXXX in XXXX XXXX, CA, where the third Non Wells Fargo ATM charge occurred, also does NOT exist. None of these businesses are real, therefore, how could legitimate ATM charges occur? I asked Wells Fargo for documentation on these XXXX merchants and they did not comply with my request. I will be contacting a lawyer regarding the lack of negligence by Wells Fargo. Bank negligence occurs when a financial institution, Wells Fargo, breaches the duty of care that they owe a customer resulting in financial loss. When a bank provides a substandard service, it can be held liable for damages. My debit card was hacked and Wells Fargo refused to investigate it and cover fraud. What is the point of a bank that doesn't protect its customers? 
XXXX XXXX XXXX XXXX
Product: Debt collection

I have joined XXXX XXXX XXXX using several accounts. Synchrony is one of the companies that I have settled with and paid off for an Amazon Store card. I believe I also had a Discount Tire card that got behind at COVID when it was around {$600.00}. I don't understand why they can call the phone I buy for my business and keep my voicemail full all of the time. And it doesn't show on my display. I don't see how to block the number. The voicemail always starts in the middle, is automated and says call back XXXX
Product: Credit reporting or other personal consumer reports

I opened a XXXX XXXX account with XXXX. I opened it through solictations from XXXX. They never reported to the credit bureaus as being late. Yet that charged me off and show my account listed as XXXX not XXXX. I am not liable for this debt my company is. XXXX XXXX XXXX. please help me get this off my personal credit report. Thanks
Product: Credit reporting or other personal consumer reports

My XXXXXXXX XXXX its showing on my credit part the account is paid off and closed
Product: Debt collection

XXXX XXXX Credit card paid off on XX/XX/XXXX. Was taking out loan with XXXX XXXX XXXX and this debt had to be paid in order to get loan. Therefore the amount of XXXX was paid to resolve this outstanding debt. Unfortunately a XXXX XXXX approx XX/XX/XXXX rcvd. Account records sold to them This is where the injustice bean!!! I have attempted to reach them throughout the years to no avail. Now I find out reason is it was turned over to so.e XXXX XXXX ( yes I just spoke with them ). And then on XX/XX/XXXX got court order frl. Levy and Ass. To appear in court. I have been paying XXXX a month to Levy for 2 yrs. I now found printed evidence from XXXX XXXX that this debt was paid!!! I made copy and sent certified mail! They say isn't enough proof! I have contacted all involved and they pass the buck. Levy was.not even aware of XXXX XXXX. Therefore XXXX XXXX was not even one ta! ing me to coudt.
Product: Credit reporting or other personal consumer reports

I have been trying to obtain a copy of my Lexis Nexis Consumer Report for the last year. My auto insurer is using this report to determine my rate and I am concerned it contains inaccurate information. 

I first contacted Lexis Nexis to request my report in XX/XX/XXXX via their website. I received a letter dated XX/XX/XXXX stating they could not verify my identity and couldnt provide a copy of my report. I called their customer service line and validated my identity with a representative including providing them with my drivers license and social security number. I was told to expect a copy of my report in the mail. Instead, I received another letter saying I could not be validated on XX/XX/XXXX. I made several more requests to lexis nexis for my consumer report and received letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating they couldnt provide my report due to not validating my identity. I called after each letter and repeated the process of validating myself. I also tried requesting they email me the me a copy of the report. They sent me two emails, one on XX/XX/XXXX and another on XX/XX/XXXX with links to obtain my report which did not work. 

I tried requesting the consumer report from my auto insurer, XXXX XXXX, and they said they are unable to provide me a copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I open my credit report over there i see unsuspicious joint account open in my report is not mine. And also there are 4 5 inquiries which doesnt belong me i an a victim of identity theft. The account open on XX/XX/2023 of amount XXXXXXXX XXXX i report the bank also they told me they can see any account open in my profile i also contact the trans union for dispute they just told me to wait for report to verify i am very upset after finding an un suspicious activity in my credit profile. 
My identity is theft by someone.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a credit inquiry on my credit report. I recently obtained a copy of my credit report and noticed an inquiry by which I do not recall authorizing. 
This inquiry is fraudulent and constitutes a violation of the Fair Credit Reporting Act ( FCRA ) Section 1681b ( c ), which strictly regulates the permissible purposes for which credit inquiries can be made. Unauthorized inquiries are a serious breach of my privacy rights, and I request that you take immediate action to address this matter.
Product: Credit reporting

TRANSUNION AND XXXX REPORTING INFORMATION NOT MINE.
Product: Vehicle loan or lease

Subject : Request for Information Regarding Account - Ref via CFPB complaint Dear Finance Department, etc. Al I am writing to formally request verification of the charge-off status and the issuance of Form 1099-C for the account linked to the reference number provided above.

This request is made in accordance with IRS guidelines and regulations. I kindly ask you to provide me with the following information : 1. Confirmation of the charge-off status for the account.

2. Details concerning the amount of the charge-off.

3. The date on which the charge-off was officially recorded.

Additionally, I would like to request a copy of Form 1099-C for this account. 

If the company is unable to supply these documents, I expect the reported information to be deleted from the credit bureaus within 14 days. Otherwise, I will take legal action for remedy afforded to me by law and a full forensic accounting including gathering CUSIP/ ISIN audits. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX