23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 at XXXX XXXX  I sent written communication to LVNV Funding LLC dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account numbers XXXX, and XXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from LVNV Funding LLC dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, LVNV Funding LLC sent printed copies of credit card statements addressed to addresses that are not of my own. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing LVNV Funding LLC communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires LVNV Funding LLC to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 )  Proof of any other information contained in the credit report regarding the account. LVNV Funding LLC provided none of the above. LVNV Funding LLC continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. LVNV Funding LLC has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. The above illegalities were committed via USPS mail.
Product: Student loan

Navient offered me an income repayment plan. But refuse to accept my application without my spouses signature, although my spouse is has never been on the loan. We file jointly, but my spouse is on Social Security and retired. I feel if my spouse signs anything that Navient will make my spouse responsible for the loan. Also mine is not a student loan but a parent plus loan originally. And my spouse has never signed anything for this and has no part in this loan. I have been trying to work with Navient on an income repayment plan since XX/XX/2020. In XX/XX/2020 I filled out an application and submitted my income proof, and was told that my spouse would not have to provide anything. Due to the FACT my spouse has nothing to do with this loan. 
But now they want him to sign the application also after I was told in XXXX by a Navient representative that my spouse did not have to sign or submit anything. Obviously they changed their story, or policy. Navient also calls me more than 3 times in a 24 hour day and leaves no message. They are harassing me.
Product: Bank account or service

On Sunday XXXX XXXX after XXXX XXXX, I wrote a check payable to XXXX XXXX in the amount of {$31.00}. The one was mailed to a PO Box at XXXX Florida. Drove to the Post Office near my home and mailed the envelope. On Monday XXXX XXXX at XXXX the check cleared my bank account in the fraudulent amount of {$820.00} payable to a person that I have no knowledge of. My original check was completely changed, to whom it was payable to and the amount. I became aware of the fraudulent activity on XXXX XXXX around XXXX XXXX as i was checking my online account. I immediately called SunTrust Bank and reported that my original check has been misused. The representative on the phone took all the information and provided me with a case number, advised that it was going to take between 7-10 business days. Later on that same morning I went to my local police department in XXXX XXXX Florida and reported the incident. The officer took my statement and provided me with a police report number. That evening i contacted again SunTrust to provide them with the Police report case number. I then asked how long before my money is returned. At this time the story changed to 120 days. On Wednesday XXXX XXXX I called the bank again, trying to get answers and a status on my case. I was then told that everything was still under investigation and they had no available information for me at this time. Till today XXXX XXXX i still have not heard anything back from the bank no e-mail or any kind of correspondence explaining the progress of my case and or any resolution, nothing at all. I currently feel as a victim of fraud not knowing what to do in order to receive back the money that was stolen from my account. The money I though it was in a safe place. I have been a customer of SunTrust for over 6-years now, I though the bank will protect me as consumer and a victim of fraud. It seems by the way they are handling the case, they are not wanting to take any kind of responsibilities, my money was given away in minutes to a thief but i now have to wait 120 days to get my money returned. Any kind of help with this matter will be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't understand why you need everything in writing. I don't have time to go to the USPS and send you letters. Submit your answer here so I can see the result in between work. I understand that you have no confirmation and therefore you are not sending me anything. Your next answer without validation will be sent to the credit bureau.
Product: Checking or savings account

I am writing to formally notify you of an error on my XX/XX/year> statement, in accordance with the XXXX notice period. The statement reflects a {$10.00} charge ; however, my account was closed on XX/XX/year>. Any fees assessed for XXXX should have been waived as a result. 

Additionally, my account balance during the relevant period exceeded {$1500.00}, which should have qualified for a fee waiver under your account terms. 

Please review this matter and issue the appropriate correction. I look forward to your prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

J & L Teamworks p laced  XXXX  unknown accounts on my credit. I do n't know what the accounts are for- it does not state on my credit. All i know is that the accounts are not mine and i do not know whom they belong to.     I have lived at my current residence for the past 10 years and i have not received a collection or demand noti ce from J & L Teamworks, I dis covered the accounts while viewing my credit report.     I sent them  XXXX  certified letters which they have received but the accounts still remain on my credit and no representative from their company has reached out to me even though they my certified letters.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022. I was notified by XXXX XXXX XXXX that Republic Finance has changed my XXXX on time payment to a status of over 30 days LATE!. I have never been late on this account and no time did the company notify of missing payment. I make my payments online. I verified through my bank account ... ALL payments have been paid and there was never a problem with the payment going to Republic Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my most recent credit report I notice that there is late payments, which I'd like to get removed as soon as possible. According to my research the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit so there should have no late payments in my credit report. In addition, the amended law Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) SEC. 4021. CREDIT PROTECTION DURING COVID19. States that you shall report the account as current the program regulations states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that an account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified without providing any proof within the time frame specified by law. My credit report includes this erroneous account that needs to be investigated and corrected : XXXX  XXXX
Product: Credit reporting

I have been a victim of true-name identity theft and I have previously disputed the following accounts vis XXXX ( certified ) and never heard back from TransUnion, it has been over 30 days. 

- XXXX - XXXX - XXXX - XXXX - Prosper I have attached the police report that I filed with XXXX.
Product: Debt collection

Lists six different accounts, so six different collection accounts listed on two major credit bureaus for one account they claim has a balance. They are unable to produce a written document to verify even one debt, let alone six.
Product: Student loan

My name is XXXX XXXX and this statement is being composed by me. In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed inthis report should not be furnished on my reports. FCRA Section 604F prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report and is obtained for a purpose for which the consumer report is authorized to be furnished under FCRA. FCRA Section 1681S-2 also states, that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. There is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers rights to privacy along with accuracy. I am demanding removal of the listed accounts ; DEPT OF ED/XXXX, DEPT OF EDXXXX.
Product: Credit reporting or other personal consumer reports

I contacted Early Warning Systems in early XX/XX/year> regarding to dispute the ( XXXX ) XXXX accounts showing in my EWS report Consumer ID # XXXX. I attached the report pages showing the ( XXXX ) XXXX accounts being reported in EWS database. EWS sent me a reply on or about XX/XX/year> which did NOT contain any information I had requested. However, I did receive a document from XXXX XXXX Client Relations -Escalations Team which I attached responding to the EWS dispute I filed and the XXXX XXXX determined that I should NOT have any of the ( XXXX ) accounts reporting in EWS database files. Therefore EWS shall need to REMOVE/DELETE all ( XXXX ) of the XXXX Accounts XXXX EWS is in multiple violations of the FCRA and must DELTETE these accounts. It has also come to my attention EWS is furnishing my XXXX information to XXXX parties which I never XXXX18 U.S. Code 1028A - Aggravated identity theft. EWS needs to retract the information from any companies it has furnished the XXXX accounts to such as GIACT. 
[ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) -No Permissible purpose 15 U.S. Code 6801 ( a ) ( b ) - Protection of nonpublic personal information 15 U.S. Code 1681n - Civil liability for willful noncompliance. The civil liability and the remedies available to me under section 617 for negligence noncompliance are very clear under the law. 15 U.S. Code 1691e - Civil liability I attached my passport and utility bill
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX, I was charged a late fee of {$30.00} on a balance of about {$600.00}. I was not able to make a payment online due technical problems of Comenity-Overstock 's website. I called the customer service center on XXXX and paid my entire balance in full ( minus the late fee of {$30.00} ) as the representative on the phone informed me that the late fee will be waived. On XXXX/XXXX/XXXX, I was charged a late fee of {$27.00} and subsequently a minimum charge of {$2.00} due to the {$30.00} late fee balance that I did not pay. On XXXX/XXXX/XXXX, I reached out to customer service again, this time via the message center. On XXXX/XXXX/XXXX, a representative responded saying that they have credited the {$27.00} late fee and {$1.00} minimum charge ( not sure why not the full {$2.00} ).  They did not address the {$30.00} late fee from XXXX/XXXX/XXXX that was supposed to be waived as well. On XXXX/XXXX/XXXX, another {$32.00} late fee and {$2.00} minimum charge was assessed once again on that {$30.00} late fee balance. I reached out to customer service again via the message center, but no response.
Product: Payday loan, title loan, or personal loan

I submitted my application for the PPP loan program of the XXXX at Wells Fargo on Saturday, XX/XX/XXXX around XXXX EST. I checked the last time at XXXX EST that morning and the portal was not available. Therefore I applied within two hours of the portal first opening. A fellow Pennsylvania franchisee applied at XXXX EST the same day, or around two hours after I did. He received his approval and funding on Wednesday, XX/XX/XXXX and I haven't even received a confirmation of my loan approval yet. 
I was told by a Wells Fargo representative that the loan process was done completely online and was not using any filters, but was processing application in chronological order. Obviously, that is incorrect and the only difference between me and the other franchisee 's business is that he started two years ago and I am a first-year business. Therefore, Wells Fargo must have used a risk filter to pick which applications it was approving. This appears to be an unfair practice to me and I might now be forced to shut my business down, since I can't cover payroll much longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

At some point this has to stop. Im a hard working individual thats working and trying to take card of my debt in order to buy a house. And under 15 USC 1681 I have right that gets over look by these companies over and over again and this is where it stops.

XXXX, trans Union, and XXXX  are all govern by 15 USC 1681. And theyve repeatedly violated my rights numerous of times. I demand for these accounts to be remove listed below, because according to 15 USC 1681 section 602 ( A ) I have the right to privacy and I have not given again XXXX, Trans Union, or XXXX and written permission to furnish these accounts. 

I have also went over all of my credit report again with all 3 companies, and the information is still inaccurate I will not be going over it again. I will be seeking payment and have proof that the information with all 3 companies are completely different. 


XXXX XXXX : XXXX XXXX  XXXX : XXXX
Product: Debt collection

On XX/XX/XXXX, I received an email from XXXX XXXX XXXX XXXX which alleged I owed a debt to UHG LLC with the account originating from XXXX XXXX XXXX XXXX XXXXXXXX. On that same day I responded by email requesting verification of the alleged debt. XXXX XXXX XXXX XXXX did not reply or provide verification of the alleged debt. On XX/XX/XXXX, I recieved an email from XXXX XXXX XXXX XXXX which claimed to have been hired to help resolve the alleged XXXX XXXXXXXX XXXX XXXX XXXXXXXX balance that was purchased by UHC LLC. On that same day, I responded to the email as instructed requesting verification of the alleged debt. My reply email was returned twice after which I called the phone number provided in the email from XXXX XXXX XXXX XXXX. The employee who answered my call then provided the contact person 's email of who is tasked with my alleged account. I emailed this person requesting verification of the alleged debt that same day ( XX/XX/XXXX ). As of the date of this complaint ( XX/XX/XXXX ) I have not received any of the requested information from that person or XXXX XXXX XXXX XXXX. However, I have received two ( 2 ) emails from XXXX XXXX XXXX XXXX in that time requesting payment ( XX/XX/XXXXXXXX XXXX XXXX XXXX ). I replied to the second email I received XX/XX/XXXX, asking them to cease communication until the alleged debt is verified as well as attaching a copy of the original debt verification I sent XX/XX/XXXX. After my second request of alleged debt verication, I received a third email from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have reason to believe this alleged debt is not mine, nor valid.
Product: Credit reporting

For XXXX XXXX loan which was declined ( case XXXX ), we applied to XXXX XXXX for the mortgage. The credit reporting ( XXXX XXXX ) was the same lies from Experian, XXXX, and XXXX as with the XXXX reports. I called all the firms after the XXXX report and they agreed that some of the comments were not true. There was XXXX delinquent account, not multiple and that XXXX was due to a XXXX bill sent to my former wife ( over 20 years ago ) at an address I never lived at. I received the bill 3 mos. later and it was Paid. Too many inquiries were noted, XXXX by XXXX XXXX and XXXX which I do not have cards. Since 1976, all accounts paid as agreed and not past dues. Amounts owed on accounts is too high - not true. XXXX account, not accounts, for one month over the last 3 years - all bank revolving accounts are paid each month - XXXX balances. Proportion of balances ( again plural ) to credit limits is too high on bank revolving or other revolving is simply not true - I outright lie. XXXX XXXX knows me and says these reports are a small part, especially when my other financial condition is so strong. These credit reporting services are not being truthful and half truths are lies, not truths. How many other people who rely on their credit to live, have been unfairly treated by these firms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against the credit bureaus for failing to properly investigate fraud on my credit report. I have been a victim of identity theft and tax fraud and have submitted multiple complaints to the credit bureaus to remove the fraudulent accounts from my credit report. However, to my disappointment, the credit bureaus have failed to remove these accounts from my report. 

The fraudulent accounts that remain on my credit report include XXXXXXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX with a balance of {$14000.00}, and XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$530.00}. In addition, there is another fraudulent account that has not been removed from my credit report. The account is with XXXX XXXX account number XXXX, opened on XX/XX/XXXX, with a balance of {$1500.00}. 

I have repeatedly requested the credit bureaus to remove these accounts, but they have not taken any action, causing significant harm to my credit standing and financial well-being. 

I am seeking the assistance of the CFPB to resolve this issue and request that the credit bureaus take immediate action to remove these fraudulent accounts from my credit report. Thank you for your time and attention to this matter.
Product: Debt collection

I was charged by XXXX {$270.00} which is the amount owed on an XXXX. I offered to return the phone but they declined. I was billed by a collection agency, McCarthy, Burgess & Wolfe for {$320.00} on XX/XX/22 which included a {$49.00} ( interest. fees or cost ). It is my understanding that the FDCPA states that Debt collectors arent allowed to collect more than the amount you owe according to your original contract. It also cant threaten to collect any property that you havent put up as collateral. I am writing to complain about this agency for charging me the " fee '' of {$49.00}. 
I can not pay this in full {$270.00} due to hardships financially and can only manage to {$25.00} a month toward the original contract of {$270.00}. Due to covid, financial hardships and health issues I can not pay more. I am XXXX years old and live on limited income from Social Security and a small pension. 
I was offered a settlement amount based on 30 % off of the {$320.00} for {$230.00}. I can not pay this entire amount and it was based on amount which included fees if {$49.00}. I feel they are in violation of FDCPA rules when they charged me {$49.00} over and above the original contract with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my car note in full however the account is still showing up as late on my credit report
Product: Credit reporting or other personal consumer reports

XXXX date- XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Affirm incXXXX XX/XX/XXXX Company/date- XXXX XX/XX/XXXX Company/Date - Affirm inc- XX/XX/XXXX The accounts above are fraudulent and is not mine.
Product: Credit card or prepaid card

My Husband & I sat through a Wyndam Vacation club presentation in the XXXX XXXX, SC area on XX/XX/2020, We declined the purchase, but said we may consider it in the future. We were asked for my Husband 's SS # and signatures for their files. We were told that they needed this for informational purposes only and they required it to give us our gift of XXXX free points for sitting through the presentation. We were told they would not check our credit or do anything with the information. We started getting alerts from XXXX the next day. We also were notified that we were both approved for a Wyndam VISA credit card in each of our names - with a credit limit of {$30000.00} each. When we arrived home after our vacation ( XX/XX/2020 ), we called and canceled both cards. We are still receiving correspondence as if the cards were still active and haven't received written notification that the accounts were closed. We did not give anyone permission to check our credit and/or apply for a credit card. It's my understanding that this may have a negative effect on our credit rating and would like to have it removed from our credit report. I can provide more info. and dates from our XXXX alerts if needed.
Product: Debt collection

XXXX XXXX XXXXXX/XX/2021. Please remove fraudulent debt on my report or provide proof in writing within 30days.
Product: Credit reporting or other personal consumer reports

I recently filed an identity theft report with the Federal Trade Commission because my identity information has been breached and credit inquires are being made without my consent. Since my last notice of identity theft, there are additional inquiries reporting with Equifax that do not relate to me and that should not be reporting on my credit report. I am seeking remedy to have the fraudulent inquires permanently deleted from my credit report and file within 4 business days as required under FCRA Section 605B.