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

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX Dear ( XXXX XXXX ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Debt collection

XXXX XXXX, LVNV Funding LLC, XXXX XXXX XXXX XXXX XXXXXXXX can not validate any transaction
Product: Debt collection

I married my wife on XX/XX/XXXX. I had only known her for a year prior. I bought my house before I met her in XXXX of XXXX. She not listed on any mortgage statements of utility bills at my residence of XXXX XXXX XXXX. XXXX XXXX XXXX, OR XXXX My wife incurred credit card debts that were sent to collections and then purchased by XXXX XXXX XXXX. Out of Utah. 

With out any knowledge or consent they placed an illegal lien on my home to collect on her debts even though the home does not have any ties to her as it is solely in my name. Holding me responsible for the debts of someone I did not even know and the debt was sent to collections years before we met. The subsequent illegal lien has cost me thousands of dollars due to denied refinancing loans/cash out equity options. I reached out to XXXX XXXX XXXX. And they refused to correct their illegal procedure regardless of how illegal their actions were.
Product: Credit reporting or other personal consumer reports

Im in the XXXX XXXX I went to XXXX  since XX/XX/year> and came back to XXXX XXXX XX/XX/year> ; before depart to XXXX I set up auto payment in all of my credit cards to avoid any issue, but for any reason by XXXX dollars I was owing in the Discover credit card I was reported and my credit score was down for more than XXXX points, I noticed this when I was getting my loan for buying a house, it was the lender who let me know I had low credit score and so was affecting the rate they could give me. I paid the debt and I called them from one of the ports we were during the XXXX and they said they couldnt do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to all XXXX credit bureaus : Transunion, XXXX and XXXX in XX/XX/2022, they are reporting inaccurate information on my report from XXXX XXXX XXXX. I took a screenshot and explained the inaccuracy. I received my credit reports back and all bureaus stated the account was accurate and verified. Per the attached, this is inaccurate information. This is not fair to the consumer. This is affecting my life. Any information on your credit report should be 100 % accurate. XXXX XXXX XXXX along with the credit bureaus have violated my rights and the law. 

In accordance to the FCRA the laws state : 15 USC 1681 602 A Accuracy and fairness of credit reporting which states I have the right to privacy.

15 USC 1681 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 e ( b ) Compliance and procedures ( b ) Accuracy of Report 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company, Shellpoint Mortgage, is inaccurately reporting late payments to my account, during a Covid 19 forbearance plan. I have contact the company multiple times and they will not update the information. 

They have been contacted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and their claims resolution company refuses to update the status of my account. 

I have also disputed this information with XXXX  and XXXX, who will not update the status either.
Product: Payday loan

I took out a loan from Care Credit in order to pay dental bills. When I took out the loan it was for 24 months with no interest. XXXX I paid my payments to GE Capital. Beginning XX/XX/XXXX, it changed to Synchrony Bank. I paid on time every month. In XX/XX/XXXX I noticed my statement stated that my free interest has expired. I called and the man I talked with, told me the contract had changed. I have never heard of a contract being able to be changed. We argued back and forth for awhile and then he said " If you pay {$280.00} now, we will consider the bill paid in full. I wrote them a check for {$280.00} and put " paid in full '' on the entry. Yesterday I received another bill with the {$280.00} credited and a new balance of {$180.00} at an interest rate of 26.99 %. 
I am XXXX years old living on a fixed income and do n't like to be lied to and taken for granted. I 'm sure they are doing the same thing to other people. I am absolutely positively sure I signed up for 24 months of payments at no interest. I hope you can help me and I look forward to hearing from you soon. This illegal payment is due XX/XX/XXXX. 
Thank you.
Product: Debt collection

Contacted a company called XXXX XXXX services on XXXX XXXX after Ive gotten multiple emails stating that I owed a debt into which I stated id pay until I throughly looked at the debt and notice its over 7 years old ..I asked company for original creditor information which was met with silence.They then stated the account wasnt with them and i need to call LVNV funding I called and asked if they could send information in which they said yes but Ive NEVER received anything from them before I asked the company for the said information.The caller also named a debt I know for a fact isnt mine
Product: Debt collection

Consumer Finance, I have contacted I C SYSTEM who is the creditor for XXXX XXXX in the amount of {$3400.00} and asked them to verify if account is mine. 

I have contacted the 3 credit bureaus, as well as IC System, to validate this debt is mine, and they have failed to show proof. 

To this complaint I will attached the letters sent.
Product: Consumer Loan

I got a loan from santander consumers usa for 72 months. I have made a late payment. When it was time to make a payment i dont see the late fee along with my current payment. They set kept my principle aside and make me make the payment more on the interest then the priniciple. I was told that i have 5 months to go but pay off is more then 5 months of payment. I have never experienced like this before. I wanted to trade my car but I cant due to the screwed up car loan.
Product: Money transfer, virtual currency, or money service

My mother purchased a money order with cash on XX/XX/XXXX from XXXX at XXXX in XXXX, Wisconsin. I took the money order to XXXX in XXXX XXXX XXXX, IA on XX/XX/XXXX to cash. To my deep embarrassment, the customer service staff in the XXXX XXXX XXXX, XXXX were unable to cash the money order. Instead they printed a slip containing the telephone number to a company called XXXX. I phoned the number provided immediately, entered the information as requested before having the automated system say that the information does not match due to reason code number 2. I thought maybe I entered the information incorrectly since it didn't match and tried to cash the money order again. The check was declined a second time and a third time with the same responses. After attempting no less than 7 times to cash the money order I gave up and headed home without the much needed groceries. I called my mom when I got into the parking lot trying to understand why a money order paid for in cash could or would be declined. I asked if by chance she used her SSN when purchasing the money order instead of mine, but she said she didn't recall providing one. 

After trying desperately to come up with some reason why this was happening I concluded that the XXXX staff must have done something wrong. I opted to go to the XXXX in XXXX, IA on XX/XX/XXXX in the hopes that the mistake would be corrected with new staff trying. I spent no less than 2 hours working with the XXXX, IA XXXX staff that included the store manager trying to cash the money order. The staff was able to validate that the check was good and the information I provided ( which included my drivers license and SSN ) matched what was listed on the money order. I was even able to provide an image of the receipt of purchase that my mom texted to me at my request. 

I sit here with no money and not enough food for my family. 

Some background - I've never bounced a check because I've never written one. I got a bank account for the first time ever just 4 months ago. I have never had a credit card, car loan or installments. So there is no fricking way in XXXX that this is legit. I have been embarrassed and I am absolutely furious that I do not have access to the money that was validated in their own system.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the information below in my credit pro-file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible ac-curacy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( l ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit re-port. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable ac-counts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent my FTC report. Along with my license to XXXX, XXXX, and TransUnion. I have fraudulent accounts reporting in my consumer report. I will be filing a civil lawsuit. These accounts are fraudulent and I followed the process to notify the above reporting agencies about the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unverified Fraudulent account from the following company : XXXX XXXX XXXX # XXXX****on my credit report. I have already filed a complaint with the FTC and CFPB. I was told that I needed a Police Report as well.
Product: Credit card or prepaid card

The last week of XXXX I had called and was provided with the pay off amount of my credit card with Capital One. I was informed that the pay off amount was {$8.00}, XXXX. This amount was also placed on the Capital One Application as well. I was working with a local bank and provided them with this amount. A check was cut by the bank and sent certified to Capital one in the amount of {$8400.00}. This payment was posted on XX/XX/2020. On XX/XX/2020 Capital One placed an interest fee on my account of {$160.00}. I contacted Capital One on XX/XX/2020 and spoke with a supervisor " XXXX '' who informed me that he has no record of this call, and due to this he would not be able to remove the charge. I informed him that the account was paid in full and had a XXXX dollar balance and how could he charge me, two days after a full payment. I asked for XXXX 's boss and he told me that he was the highest there could be I told him no, that everyone has a boss. XXXX stated they do not have contact numbers, I stated how else can they be contacted and he stated they can't. Now I am stuck with another charge after doing what I was supposed to and paid a pay off fee of {$8400.00}. This company takes advantage of its consumers and financially abuses their power. All I wanted was the fee to be removed it is clearly stated in back and white and they still are charging me for something that was paid off.
Product: Debt collection

My husband and I are receiving daily calls from Southwest Credit in XXXX, TX asking to verify personal information and saying that they want to collect debt. Because we recently received a mortgage, we have seen our credit records and have no unusual outstanding debt -- other than regular bills and credit cards. We do not want to receive any further calls from Southwest Credit. Because the phone numbers for the calls do not show up on our phone, we can not put this company on the Do Not Call list. And, the return call numbers that it leaves in our voicemail ( on different phones ) is not always the same.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 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 following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete From My CREDIT REPORT 6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. there is some inaccurate information reporting. 
XXXX / XXXX Account Number : XXXX Delete this account.
Product: Student loan

I attended XXXX XXXX XXXX and had remaining school loans after they closed their doors in XXXX. My student loan was with Navient, looks like the CFPB reached a settlement in XXXX that forgave the student loans with Navient as well. At this point I still continued to pay because I didn't want my credit to have a negative impact. Will this money be refunded to me?
Product: Debt collection

To Whom It May Concern : I am writing to file a formal complaint against Planet Home Lending for placing inaccurate information on my consumer report and for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Additionally, Planet Home Lending appears to be operating without proper registration as a third-party debt collector with the Texas Secretary of State, which is required by Texas law to legally collect debts in the state.

Complaint Details : 1. Inaccurate Information on Credit Report : Planet Home Lending has placed erroneous information on my credit report, indicating an alleged debt.

2. Failure to Comply with FCRA and FDCPA : Planet Home Lending has failed to comply with the FCRA by not conducting a reasonable investigation and by not providing me with the required validation of debt. Additionally, the companys actions violate the FDCPA, as it has engaged in misleading and deceptive practices by reporting an alleged debt.

3. Non-Compliance with Texas State Requirements : Under Section 392.101 of the Texas Finance Code, a third-party debt collector must obtain a surety bond and file it with the Texas Secretary of State. Upon review, I found that Planet Home Lending is not listed in the Secretary of States database as a registered debt collector, suggesting that they are unlawfully operating in Texas without proper authorization. 


I have attached copies of all relevant documentation, including evidence of the companys non-registration and correspondence regarding the inaccurate information on my consumer reporting. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX All Rights Reserved.
Product: Checking or savings account

Around XX/XX/year> my Square checking account was deactivated by Square. I tried to make a purchase with my debit card and it declined once I called Square they notified me that they had deactivated my account and my funds would be refunded to my external account on file within 2 business days. I waited for a few days and once I never received my funds I called Square again and I was told my funds were being held for 90 days in case of a dispute or charge back of any customers. I informed Square that I had not used any of their merchant services and I only had transferred funds into my account so there wouldnt be any customer disputes or charge backs. They said the decision was final and hung up the phone. I contacted support chat and was told the same and I couldnt receive my funds for 90 days. Im currently facing eviction because square is holding {$1900.00} of my funds
Product: Student loan

I had my Federal Student Loans transferred to MOHELA in order to participate in the Public Service Loan Forgiveness ( PSLF ) program. I have submitted all relevant Employer Certification Forms ( ECF ).

Despite following all of the required steps, I am continually having my forms rejected for some random, or even unknown reason. I was actually told by a customer service representative who looked over the forms as I was on hold that, " there doesn't seem to be anything wrong with them. '' This interaction led to the form having to be " reprocessed '' and would take 90 business days. 

It is completely unacceptable to have completed documents " reprocessed '' based on errors by this company, who was selected to manage these accounts. Tax payer funds being spent on what seems to be an in ability to meet the needs of student loan borrowers ; is extremely frustrating and inconvenient. 

My forms for submitted by me directly from the National Archive and Records Administration, complete with stamps and all. There is a problem over at MOHELA.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft resulting from a data breach, and my personal information has been compromised. As a result, several fraudulent accounts and unauthorized inquiries have appeared on my credit report without my consent. 
Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and permanent deletion of the following accounts and inquiries from my credit file. 
XXXX Accounts to Be Deleted : XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing this letter to dispute the previous investigation conducted by your bureau regarding my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I would like to express my strong disagreement with the results of the investigation and the way it was conducted. 

Under the FCRA law, I have the right to know how the account has been validated, including the name, company, and phone number of the representative from whom the validation was obtained, the last day of delinquency, the last date of activity, and whether the company is properly reporting under my FCRA rights. However, I do not feel that a full investigation was conducted, as I was not provided with this information. 

Furthermore, I would like to bring to your attention that the account in question is being reported as open, which is inaccurate. I do not have an open account with XXXX XXXX XXXX, and I was not provided with an original validation that contained my signature. I believe that this violates my rights under the FCRA law. 

Additionally, I have reason to believe that XXXX XXXX XXXX is actively manipulating the payment history and charging off the account consecutively with some being reported back to current after it was reported closed and charged off, which is a violation of my rights. This action is causing significant harm to my credit score and overall financial health. 

Therefore, I demand that these accounts be removed for these violations. If your bureau can not confirm that every piece of information is 100 % correct, then I ask that you remove it from my credit reporting. 

I trust that you will handle this matter with the utmost professionalism and fairness. I look forward to hearing from you soon regarding the resolution of this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX