23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

IQ data collections submitted my information to the credit bureaus, stating that I have a debt they are trying to collect. They are looking to collect {$5500.00} from me and someone else on a joint account for our townhome that we were staying in. They did not send written documents stating the nature of the debt. I also was notified from the original landlord, that we had 2 days to move out, or to pay the remaining balance for the townhome. I am confused as to why I was brought into collections by XXXX XXXX XXXX a year later, and why I was never notified before hand about said debt. Thank you! P.S. XXXX XXXX XXXX kept our entire deposit as well.
Product: Debt collection

Subject : Unauthorized Third-Party Communication and Cease and Desist Notice Dear Sir/Madam, I am writing to address the unauthorized third-party communication I have been receiving from LVNV Funding regarding an alleged debt originating from 12 XXXX  XXXX XXXX  XXXX. It has come to my attention that LVNV Funding is in possession of my personal information without my consent or authorization. I demand that all communication from your organization cease immediately, unless you are contacting me to discuss a remedy for the violations committed. 

I want to make it clear that LVNV Funding, as an unauthorized third party, has no lawful right to possess or disseminate my personal information. I have not provided any consent for your organization to access or utilize my personal data in any way. This unauthorized acquisition and use of my information violate my privacy rights and potentially expose me to unauthorized disclosure of sensitive information. 

Therefore, I demand that LVNV Funding immediately ceases all communication with me, including but not limited to phone calls, letters, and emails. Unless you are contacting me to discuss a resolution for the violations committed, any further communication will be considered a violation of my rights under federal and state laws. 

Additionally, I require LVNV Funding to provide written confirmation that you will no longer engage in any communication or attempt to collect any alleged debt from me. Failure to comply with this cease and desist notice will result in legal action to protect my rights and seek appropriate remedies. 

Should you wish to contact me to discuss a remedy for the violations committed, please ensure that such communication is in writing. Any future communication from LVNV Funding must be strictly limited to resolving this matter, and should not be used to harass, intimidate, or attempt to collect any debt. 

I expect your prompt attention to this matter and an immediate cessation of all unauthorized communication. Please acknowledge receipt of this letter within 10 days. Any failure to comply with this notice will leave me with no choice but to pursue all available legal remedies to protect my rights and seek appropriate compensation for the violations committed. 

Thank you for your understanding and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report.

After reviewing my recent credit report, I have identified the following inquirie that I do not recognize or authorize : -XXXX XXXXXXXX XXXX XXXX I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.
Product: Credit reporting or other personal consumer reports

I just obtained a copy of my credit report and noticed the following errors. 
XXXX XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX I do not have a contract with this company. 
Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. This is an inaccurate account and needs to be DELETED from my credit report as soon as possible. Section 604 15 US Code 1681 B states nothing should be reporting on my report without my written consent! This is another violation.
Product: Mortgage

Wells Fargo banker committed fraud by removing my automatic payment from my mortgage. They did this to earn more late fees.
Product: Mortgage

hello. first know that i have let the director XXXX XXXX XXXX know i dont want this complaint returned. iwth a script as you have many of mine. nothing is resolved since last answer. i have no statements, no information on fees and on private mortgage insurance and i ask fay servicing why they sent me an inadequTE INSURANCE NOTICE SINCE i believe based on what they have done to me which i will pursue and their reputation they will try to charge me PMI at exorbitant rates at this time i have received and asked for NO statements none. i want all of them. XXXX XXXX telling you i ask and he sent or they sent is useless and i wont let these be closed. just like i wont let them get away with the breach of TPP, the un necessary foreclosure they filed NJ does not protect me from and they try to hide. i will do what it takes and as a XXXX individual with a lot to do and stress i ask for mroe time to submit documents if needed to support. I have no information on what they are charging, how much no statementss no answers on insurance they have been instructed based on all their trasngressions in an attempt to protect them to send all emails i send to their lawyer i demand statements and answers to XXXX XXXX XXXXXXXX i sent and will send.I want stmts too and i want answers on insurance. Nothing is reoslved and i will make sure you cant close this or accept closure on other without proper investigation. and full whatever you need from me ask if you close this i will send it to director. nothing is resolved i dispute his answer and most important hvae no information to which i am entitled i submit like they have done elsehwere they denied my loan mod improperly will not share NVP calcualtion afforded no ability to appeal and breached trial payments plan wherein they are required to offer perm mod they have not. I wont stop til proper action is taken here and wlsewhere.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( 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 ( XXXX ), before the end of the XXXX 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
Product: Checking or savings account

I recently attempted to open up a Wells Fargo Bank Checking Account online and my request was denied by Wells Fargo Bank, even after recently closing a fraudulent checking account that was opened in my name fraudulently and was the result of identity theft. Review Consumer Financial Protection Bureau Case # : XXXX. SSN : XXXX, DOB : XX/XX/XXXX
Product: Mortgage

I kept receiving notices that we could lower our monthly payments or refinance our mortgage. So instead of going with my normal broker, I gave caliber home loans a try since our current mortgage was with them. I dealt with XXXX XXXX, what started off as a great conversation and superior customer service turned into one of the most disturbing and unfortunate situations.
After a three hour phone call, he told me we were approved. Next step was getting a home appraisal, he told me to use a credit card that I planned on paying off with our refi/debt consolidation. {$850.00} for a home appraisal- Once he took that transaction over the phone, it was like he disappeared off the face of the earth. I would call, email, text With questions about where we were in the process. He blocked his phone number so we could not get in touch with him. I know he did this because I would try from a different phone numbers and it would go through successfully. My husband finally got through to him on the phone, and XXXX would just continue to make excuses and ask questions as to delay the process. 2 1/2 weeks later we were still In limbo/ waiting ... after being told we were already approved and signing paperwork. Now out {$850.00} on top of her other debt we were hoping to pay off with our refi, I finally called the customer service number. They told me that he did in fact exist, and that someone should have been in touch with me. Then we find out that we were not approved, we were completely left in the dark and {$850.00} more in depth. Never a phone call and email a response. I have email after email of trying to touch base with him he finally responded at the end apologizing that he did the best he could!!!
After this experience, I went back to my broker in tears. I totally got reprimanded for not using him in the beginning Luckily XXXX  at XXXX XXXX in XXXX Oregon Took over, used the current home appraisal and got us approved for a refi. his company hounded XXXX for some information and again no response- they needed to go directly to customer service and request the information that they needed. And in the end they were the ones who encouraged us to file a complaint against caliber home loans and XXXX XXXX as this is completely and totally unacceptable.
I have emails that I could probably pull up off the cloud if necessary, I do have the current emails from XXXX XXXX attempting to reach out to XXXX for information multiple times.
Caliber home loans is a total joke, I would never recommend them, use them or return to them.
Product: Credit reporting

My name is not XXXX XXXX XXXX. My name is XXXX XXXX. I believe XX/XX/XXXX or XX/XX/XXXX my credit I do was stolen and ever since then I have seen the name XXXX XXXX XXXX. Which is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting XXXX XXXX XXXX on my credit report. The have declined to remove this name because they are indicating it is part of my credit history. There is no where in my credit history that refers to XXXX XXXX XXXX I have received a copy of my credit report from XXXX XXXX XXXX XXXX   and Experian. Experian is only reporting this name under my personal information. I need them to provide the source from where they obtained this information other than sending me an automated response. I need to have this removed and need to contact whomever is reporting this inaccurate information so it can be removed. Can you please have Experian provide the source so I can contact them directly.

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

I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted to the Credit Bureaus requesting the correction of the disputed accounts reporting inaccurate information on my Credit File. I feel like the Credit Bureaus are not doing what they are ought to do. Under the Fair Credit reporting Act, the Credit Bureaus are required to investigate and correct any accounts and information that are reporting inaccurate information. For the last 6 months, I have been disputing for the correction of my Credit File, however, the Credit Bureaus have been ignoring my disputes by not responding to my Dispute letters. They surprise me by instantly reporting the disputed accounts as verified on my Credit File without properly sending me copies of proof of their investigation and verification. This action of the Credit Bureaus is a clear violation of my rights under the Fair Credit Reporting act. If the Credit Bureaus really did conducted an investigation, they should have sent me copies results of their investigation. As of now, I desire nothing more than just the correction of the following accounts on my Credit File : XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX XXXX Balance Owed : {$1100.00}
Product: Credit reporting or other personal consumer reports

Equifax has caused me severe mental, financial and emotional trauma. I request proper reinvestigations and they respond with stall letters, and automated responses. This has severely hurt my livelihood.
Product: Student loan

In XXXX, 2020 Navient tried twice to take a total of {$35000.00} out of my checking account ( in increments of {$5000.00}, {$10000.00}, {$10000.00}, {$10000.00} ) each time. XXXX  XXXX XXXX returned the items each time for insufficient funds and charged me with a total of XXXX NSF fees of {$35.00} each ( which XXXX  reimbursed me for when I explained what happened ). I had made an agreement with XXXX XXXX and XXXX XXXX with Navient ( who I received a letter from stating our agreement and have attached with this document ) to settle my sons ( XXXX XXXX ) private loan debt of {$82000.00} for {$35000.00}. It all depended on me getting a home equity loan - which is still in process and will most likely close later next week Ive been told by XXXX. XXXX requested my account information to do the payment with electronic funds transfer. He stated it had to be done that way, He said he set it up to come out of my account XXXX. XXXX ( because we began this process mid XXXX and he said he had to use that date but could extend the agreement if the home equity loan hadnt gone through yet ). I kept him updated on a regular basis and called him on XX/XX/XXXX and told him it would take a little longer for the loan to go through and to not try to take out the funds. He said ok. But as stated above, Navient tried twice, even after calling XXXX about the first time they took out the {$35000.00}. He apologized and said it was a mistake and told me it wouldnt happen again - but it did. XXXX  XXXX XXXX has blocked Navient from withdrawing any more money from my account. When I close on the home equity loan, I will send them a check instead for the agreed payoff amount. I definitely dont trust them and am shocked they are still allowed to be in the educational loan business.
Product: Checking or savings account

dishonest, sleazy institution. been with this bank for almost a decade. my account always been in good standing. i have a loan, pay my loan on time monthly & accordingly but still not valued as a member. these dudes lied about sending out a letter for my debit card being wrongfully penalized & shut down my mastercard completely by fraud department due to me disputing XXXX and XXXXXXXX XXXX bad business practices with getting money back. So XXXXXXXX XXXX managers act like they sympathize with the poor but at the end of the day, its their protocol & no humanity ever on display. when requesting to talk to someone in a higher position, its all nonsense. i try getting in touch with the fraud department but i'm being played completely.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Closed. 
Status Updated : XX/XX/XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$500.00} Highest Balance : {$800.00} Late Payment Date : XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Experian because I first Initiated contact with XXXX XXXX via phone asking for my credit statements from the account XXXX. I was told over the phone that I could not request these statements over the phone, so I was instructed to requested the statements by mail. On XX/XX/XXXX of 2021 I sent a letter to XXXX XXXX  request my statements for account XXXX, along with the request for the credit statements inside this letter I also demanded for XXXX XXXX to cease and desist and and all communication with myself the consumer and all consumer reporting agencies. Recently I pulled my consumer reports from Experian to find out that they are still reporting transactions from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX of Birth : XXXX Last XXXX Digits of Social Security # : XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX Bank : # XXXX and XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I recently was discharged from chapter XXXX bankruptcy we were in for almost six years. We filed bankruptcy because we were in over our heads and I was not working a steady job. I am now working a steady job and have just enough money to pay the bills and raise XXXX kids who are both in school .today I received a letter from navient saying they bought a loan and I owe XXXX and I have to start paying it this month I can not do that or I'm going to be in the same boat I was in before ... I was under the impression that thus was all being taken care of seeing as how our lawyer XXXX while during the bankruptcy and we couldn't afford another on to ask questions so this loan is from XX/XX/XXXX and it is now XX/XX/XXXX I quit the XXXX   because my mom XXXX and then my father I couldn't handle it I did not pursue the career or receive a degree I do not feel that this is fair I told navient I had XXXX dollars in the bank and they said would you like to make a payment today I'm going crazy I've clawed my way out and now their pulling me back in I can not pay this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the person responsible for the charges made on the accounts. XXXX, XXXX, Transunion put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ),