23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LVNV Funding LLC XXXX XXXX XXXX, XXXX, SC XXXX Subject : Cease and Desist Demand Regarding False Debt Claim Dear LVNV Funding LLC : I am writing regarding the repeated collection notices I have received from your company concerning an alleged debt. I do not owe this debt, and I am formally requesting that you immediately cease all communication and collection efforts regarding this matter, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Details of the Issue Amount of Alleged Debt : {$1500.00} Date of Collection Notices : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This debt does not belong to me. I have no knowledge of this debt, nor have I entered into any agreement or contract with the original creditor. I am disputing the validity of the claim and demand that your company cease all attempts to collect this debt from me immediately. FDCPA Violations Pursuant to the FDCPA, you are prohibited from : Attempting to collect a debt that is not valid or does not belong to the consumer. Misrepresenting the character, amount, or legal status of a debt. Contacting a consumer after receiving a written notice to cease communication. What I Am Requesting Immediately cease and desist all collection activity related to this alleged debt. Provide written confirmation that you will not contact me again regarding this matter. If you believe this debt is valid, provide written documentation verifying the original creditor, the amount owed, and evidence that I am responsible for this debt. Failure to comply with this demand will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I also reserve the right to take legal action to protect myself from further harassment and damages caused by your attempts to collect a debt I do not owe. Legal Notice This letter is not an acknowledgment of the validity of the alleged debt, nor is it an agreement to pay. Any further communication from your company must be in writing. You are expressly prohibited from contacting me via phone, email, or any other means other than written correspondence. Please confirm receipt of this letter and provide a written response no later than 30 days from the date of this letter. 

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

I HAVE SUBMITTED MULTIPLE DISPUTES IN REGARD TO THIS FRAUDULENT ACCOUNT. LASR YEAR IN XXXX  THIS ACCOUNT WAS NOT ON MY CREDIT. I CONTACTED THE CREDIT BUREAUS TO RESOLVE AND THEY MENTIONED THAT THEY RECEIVED MY DISPUTES ON XX/XX/XXXX BUT WOULD NO LONGER LOOK INTO MY CONCERNS. THAT WAS TODAY XX/XX/XXXX AT XXXX EST. THIS ACCOUNT DOES NOT BELONG TO ME AND ITS A SECURED CREDIT CARD AND I HAVE NEVER HAD A SECURED CARD WITH ANYBODY AND I HAVE NEVER SIGNED ANYTHING AGREEING TO THAT AT ALL. THIS ITEM NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE ALSO SUBMITTED AN FTC REPORT AS WELL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Denied by XXXX Bank for credit card. One or both credit institutions reported me, the applicant, as deceased.
Product: Debt collection

I was NEVER noticed of this so called debt, no phone call, no email, no letter in the mail. This just showed up on my credit report. The are laws set in place for situations like that. I will be filing more complaints on your company for disregarding the law. YOU JUST CAN'T PUT MISLEADING AND INACCURACY INFORMATION ON SOMEONE CREDIT REPORT WITH NOTIFING THME FIRST AND GIVE THEM THE RIGHT TO DISPUTE THIS SO CALL DEBT. I do have my credit report from last month and your company was not on it, but this month it is.
Product: Debt collection

Portfolio Recovery Associates has repeatedly called me about a debt that I do not owe. They claim it is for a XXXX XXXX. I do not own a XXXX XXXX. I have repeatedly explained this to them. They call me all several times a day, every day from different phone numbers. It has reached the point of harassment. I have blocked the number they have called from at least a dozen times ( after telling them again that I do not own a XXXX ), and they continue to call from other numbers.
Product: Vehicle loan or lease

Late payments on my credit report. Is causing my score to drop dramatically. Need them removed ASAP I have had some financial troubles recently, and I have gotten behind on a payment
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : VIN # XXXX Date : XX/XX/XXXX To Whom It May Concern, This letter is a formal statement notifying the above parties that the accounts under VIN # XXXX are disputed. 
The vehicle in question was purchased on or about XX/XX/XXXX, financed by Toyota Motor Credit, repossessed in the state of Illinois, and sold by Date : Unknown and sold by Unknown on or about Unknown. 
Under the laws of Illinois and Texas and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 
If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies.

Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. 
XXXX XXXX XXXX XXXX SS Number : XXXX Contract name was : XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXXXXXX Balance : {$110000.00} XXXX XXXX XXXX Balance : {$180.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my background check report, I was dismayed to find an incorrect charge listed under my criminal record section. 
Description : Offense description not provided by source Offense Date : XX/XX/year> Disposition : Guilty Court : District Plea : Guilty Court Costs : {$190.00} Fines : {$25.00} This information is completely frivolous and does not pertain to my personal record. I can confirm that this charge is invalid and has been incorrectly attributed to me. This information is not listed on my criminal background. I can prove that this charge is invalid and does not pertain to my personal record. I request that Contemporary Information Corp. ( CIC ) remove the incorrect charge. CIC should not hinder my consumer background report in any way if it can not be supported by evidence. I will pursue legal action against CIC for damages to my background, credit, and reputation, as well as for psychological harassment and defamation. I also request that CIC provide me with competent evidence and documents proving the validity of this information under oath. This is completely inaccurate, and I never gave a public record furnisher consent to report any invalid information about me.
Product: Credit reporting or other personal consumer reports

SEE ATTACHED TRANUNION IS NOT COMPLYING TO MY REQUEST MY PHONE NUMBER ( XXXX ) XXXX IS LISTED ON CONSUMER STATEMENT AND MY NEW EMAIL XXXX still these changes they have no excuse not to mail my request to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IAM NOT SENDING ANYMORE DOCS THROUGH US MAIL AND STRICTLY LIMITED TO THIS CFPB WEB SITE
Product: Checking or savings account

On XX/XX/2023 I anticipated on receiving Direct Deposit payment from Social Security Administration in the amount of XXXX dollars, after my deposit did not post I called Credit Karma customer support 3 times first talking to an agent and two different supervisors and was informed that my deposit was deposited into a different account number and because it had already been posted they can not reverse the transaction and that I lost my money. I explained to the two supervisors that because of this error on the bank side that I have no money to survive the rest of the month on and the only response I got was he was sorry, but the bank can not reverse the deposit into my account because it was already posted in the wrong account. 

Maybe I am wrong on the financial side of the law, but I thought once a wire transfer comes to your bank you must verify both the name and account number is the same and if not send the money transfer back to the sender not just deposit the money in someone else account and leave the rightful owner broke. 

I just would like to receive my payment back so that I can maintain my survival for the rest of this month. 



XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

Somebody applied for a card in my name at First tech credit union. I am asking the application be closed and the inquiry placed on my credit report be removed. I called FTCU and asked information be removed but representatives said Sorry we can do nothing and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documents about an account on my consumer report and this is my second attempt to get Experian to remove this account off my consumer file.
Product: Checking or savings account

Coinbase has " blocked '' my account for some reason and wo n't let me withdraw my funds. I have {$85.00} in one of my accounts and have been trying to transfer it to my bank account for close to 3 weeks now XXXX XXXX XXXX XXXX ). Everytime I call them they either hangup in my face or do n't answer. Nothing has been done on their side to try to fix it even after being this patient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023 to update and delete the items that is INCORRECT and UNKNOWN to me. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$930.00} LVNV FUNDING LL XX/XX/XXXX {$640.00} XXXX  XXXX {$720.00} XX/XX/XXXX XXXX  XXXX {$510.00} XX/XX/XXXX LVNV FUNDING XX/XX/XXXX {$640.00} This are not my accounts Im a victim of identity fraud and I will like them remove from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is authorized debt collector for XXXX XXXX. I settled my account with them on XX/XX/year>. When they reported to the credit bureau they reported a balance of {$1200.00} which is inaccurate. I have attached a letter from them that documents this account has been settled and I do not have a balance.
Product: Checking or savings account

On XX/XX/2023 I went to access my bank statements using the online banking. Received a message the site is unable to access my account at this time. Called customer service, spent an hour on the phone troubleshooting, they finally said it was due to an issue on their end from an upgrade to the system and I should have access the next day or so. Well it is now XX/XX/2023 and I still do not have access to the online banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my Transunion report that I did not authorize by XXXX on XX/XX/2022. I have tried to contact the company and left voicemails but they refuse to reply.
Product: Credit reporting or other personal consumer reports

Caliber Home Loans is participating in deceptive reporting practices. Prior to XXXX, my mortgage was NEVER late. When schools closed in my county due to Covid, I applied and was approved for mortgage forbearance and did not make payments accordingly. In the middle of this period, the loan was sold to XXXX XXXX. 

XXXX initially reported 3 months of late payments in XXXX. When I disputed this and provided proof of deferment, they change the late payment months are reported erroneously. 

Instead of removing the late payments for XXXX, they selected earlier months to report which is fraud! 

Currently, they are reporting a late payment XX/XX/XXXX, the loan was sold in XXXX! 
XXXX, XXXX, XX/XX/XXXX, online payment history and my banking transactions will reflect that this is a lie and late payments in XXXX, XX/XX/XXXX which is also a lie. 

Had this loan been in default at any time PRIOR to XXXX XXXX, I would have been ineligble for a forbearance.
Product: Mortgage

We have been paying monthly payments on the XX/XX/XXXX of the month for the past several years. I recently called to set up our automatic payment plan to have our payments come out every week. Wells Fargo screwed up on their end. They consistently took out the payments but had some kind of issue on their end resulting in us having to pay over {$2000.00} in payments to become current. This resulted in us having to come up with this money out of nowhere in order to keep our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent the letter regarding an accurate and unknown things on my credit report. To this day over 33 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove those items From my credit report it has been over 32 days and counting so they should be deleted promptly. I demand these accounts be delete it immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documents where the collector states that I dont have an account with them and the bureaus continue to allow the collection on my report.
Product: Debt collection

I owe a bill of {$440.00}, they 're wanting a total of {$660.00}. They 're tacking a extra {$200.00} on the total. I can pay the {$440.00}
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am currently in the process of trying to purchase a home for myself and my family. I've tried to contact the companies many times since XX/XX/2023, to get the issue resolved of the fraudulent accounts reporting to my credit report. These fraudulent accounts are a defamation of my character and livelihood. The company continue to respond saying the information was verified and accurate, without sending proof of the verified information to be accurate. It is impossible for fraudulent accounts to be verified and accurate if they're fraudulent.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

CapitalOne reported system issue impacting deposits, payments and transfers. I've received communication about it on XX/XX/XXXX with my scheduled deposit on XX/XX/XXXX. CapitalOne has always been able to deposit it 2 days earlier, but not in this case. I called on XX/XX/XXXX to inquire about the timeline, and they are not able to provide ANY information. Not when it will be resolved, and access to MY money will be restored. 

CapitalOne witheld information about the system issue, that started as early as XX/XX/XXXX according to their clients, and after the issue started going public, with more and more users affected, decided to issue a statement. Not even public, just delayed emails. They are not able to provide any resolution or explanation, despite people having bills, groceries, or kids to take care of. There is no estimated resolution time, and they are witholding all deposits. To make issue worse, XX/XX/XXXX is a holiday, and if the issue won't be resolved today, it will take at least until XX/XX/XXXX to make the funds available. The lack of clear communication is laughable, the lack of resolution is just sad.
Product: Bank account or service

An unknown party attempted to defraud by spending around {$500.00} on goods. That vendor contacted me, confirming I had not placed the order. NETSpend had the funds designated as Pending. After demanding a XXXX way call with the vendor and netspend and me, netspend demanded an email confirming extensive information, which the vendor sent that moment. Netspend has still not credited me for the funds. AND then I got an email from Netspend saying my account was on HOLD and I needed to contact them and order a new card. My funds would be held up for a long time ... they would not allow me access to the funds, insisting that the hold could not be removed. This is my social security money they are holding on to. Reference XXXX
Product: Student loan

Complaint Regarding Mohela Student Loan Servicing Dear Sir/Madam, I am writing to file a formal complaint regarding issues I have encountered with my student loan account serviced by Mohela. I have experienced multiple discrepancies in due dates, repayment amounts, and erroneous charges during periods of forbearance. 

I requested to be on administrative forbearance from MOHELA Today XX/XX/XXXX I called a representative for assistance. representative started by saying that I have a balance due. I replied by telling her that I have messages in my mohela account to confirm that that is wrong and that I am in forbearance. the rep then acknowledges the message I received which confirms my delinquency forbearance beginning XX/XX/XXXX and ending XXXX and a processing forbearance beginning XXXX and ending XXXX Throughout the month of XXXX XXXX XXXX  Ive been receiving updates making me aware that I have a missed payment for XXXX and a current payment due of XXXX totaling XXXX. Then After being on hold for some time the representative agrees that something isnt right and proceeds to tell me she will incline it to her supervisor because she herself agreed that there is a discrepancy and she understands why I would be concerned. After a full two hours of waiting and her taking me on and off of hold to see if Im still there I was hung up on. My account shows discrepancies on due dates, amounts owed, etc. I cant help but feel MOHELA is an unreliable and unhelpful loan servicer. 

Despite multiple attempts to address these issues through Mohela 's customer service, the problems persist, causing undue stress which may turn into a financial burden if left unresolved.I have adhered to the terms of my loan agreement, but the inconsistencies in billing and charging practices by Mohela have made it challenging to manage my student loan responsibly. 

I respectfully request your intervention and investigation into this matter to rectify the discrepancies and ensure fair and accurate servicing of my student loan. Your prompt attention to this issue would be greatly appreciated.
Product: Debt collection

On XX/XX/year>, Midland credit management added a derogatory mark on my credit report ( XXXX, XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Midland Credit Management has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fed Loan Servicing Account # XXXX Friday, XX/XX/2020 They sent a bad credit report after I had spoken to them and told them that I couldn't make any payments until I get my job back ( I was XXXX XXXX   due to the Covid 19 Pandemic ). 
There shouldn't be any bad credit reporting.
Product: Debt collection

A company by the name of United Check Recovery repeatedly called me. Asking me to verify who I am. However, I declined due to the multiple scams going around from fake companies.

As of today, I have not received any documentation or debt validation or verification.

I have called multiple times to inquire.

I first spoke with a XXXX XXXX which is unprofessional and implied about actions being taken because I called. His number is XXXX. Please check his recording between XXXX XXXX central time.