23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Cease and Desist Request Regarding Violation of 15 USC 1692c ( c ) Dear LVNV FUNDING LLC, I am writing to report an incident of unauthorized debt collection attempts made by LVNV FUNDING LLC. Despite the debt not being owed by me, XXXX persistently attempted to collect it, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 10 ). The incident occurred over the past several years, during which LVNV FUNDING LLC repeatedly contacted me, claiming that I owed a debt to LVNV FUNDING LLC. However, upon investigation, it was discovered that this debt was not mine and was, in fact, a result of identity theft. Despite providing evidence and documentation supporting this claim, LVNV FUNDING LLC continued their collection attempts. Furthermore, LVNV FUNDING LLC repeatedly contacted XXXX, XXXX, and XXXX regarding this unauthorized debt. This violates my rights under the FDCPA, as it constitutes harassment and false representation of the debt, as outlined in 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 10 ). Numerous attempts were made to communicate with [ Debt Collection Agency Name ] to cease their collection efforts and rectify the situation. However, they persisted in their attempts to collect the debt, disregarding my rights as a consumer. As per the FDCPA, debt collectors are prohibited from attempting to collect debts that are not owed by the consumer and from engaging in harassing or deceptive practices. The fine for violating these provisions can range up to {$1000.00} per violation. I urge you to take appropriate action against [ Debt Collection Agency Name ] to ensure that they cease all collection attempts related to this unauthorized debt, refrain from contacting the credit bureaus, and to impose the appropriate fines for their violation. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to the 3 bureaus ( Equifax, XXXX and XXXX ) on XX/XX/2021. 

I have received no updates regarding the inaccuracies on my credit report from Equifax, XXXX and no updated information from XXXX in regards to my personal information being incorrect.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX There is several inaccuracies listed on my credit report from this company I have requested the account to be fully removed from my credit report under the fair credit act. All information should be reported 100 % accurate. Any inaccuracies found on a credit report is a violation to the law. 
I have already filed a complaint and this company did nothing but update more Inaccurate information. See all attachments. 

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

Equifax and XXXX are reporting duplicate collection items for {$150.00} on the XXXX XXXX XXXX IN partial account number XXXX. ( Please see page 4 of the attached credit report. ) This incorrect reporting is harming my credit score. Please delete this line item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I XXXX  to XXXX. During that month i contacted AAFES about a XXXX XXXX credit card that i have with them. As part of their XXXX  benefits, no payments on the card are required from the date that i XXXX until i return to my home station ( XX/XX/XXXX ). I noticed that although these benefits were applied to my account, i was still receiving past due notifications on my monthly statements. When i called customer service i was ensured that the issue was resolved. I was also told that this would not report negatively to the credit bureaus due to my enrollment in the XXXX  benefit. In XX/XX/XXXX i received a notification from XXXX  that this account had in fact reported as 30 days late. I submitted a dispute and the issue was resolved. Two weeks later it was updated again as 30 days late. As this was happening my XXXX   credit file was reported as 30 days late in XX/XX/XXXX. I have spoke to numerous individuals over the phone and the Disuputes center at AAFES but every time the issue is " fixed '', it just reappears or reports late during another month. I submitted another dispute through XXXX  and this time it came back saying that the information has been validated as accurate. I have emails from AAFES stating that the account was not deliquient in XX/XX/XXXX as well as XX/XX/XXXX. Yes even with these emails, they can not seem to properly report this information to the credit bureaus.
Product: Credit reporting or other personal consumer reports

After numerous attempts to speak to someone over the phone, via their dispute site, and through mail, I sent a formal letter of intent to sue over the following FCRA violations. This was the only time that I received correspondence. 
Numerous Privacy violations FCRA VIOLATIONS INCLUDING REPORTING OLD/OUTDATED INFORMATION, MIXING MY CREDIT FILE WITH MY FATHER 'S ( WHO HAS THE SAME NAME AS MYSELF, AND HIS WIFE AND MY WIFE 'S FIRST NAMES ARE THE SAME ) FAILING TO SEPARATE MY FATHER 'S CREDIT FILE FROM MINE. 
Failing to investigate a dispute REFUSING TO DELETE UNAUTHORIZED INQUIRIES CIRCA XX/XX/year> AFTER A PHONE CALL FROM ME STATING THEY WERE NOT VIABLE, FAILING TO UPDATE RECORDS. 
Violating 15 U.S.C. 6802 WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION.

15 USC 1681 STATES TRANSACTIONS ARE TO BE EXCLUDED AND THE REPORTING OF LATE PAYMENTS IS ALSO ILLEGAL AND YOU HAVE ALLOWED SUCH THINGS ON MY CREDIT REPORT IMPERMISSIBLE CREDIT PULLS AND PRIVACY VIOLATIONS INCLUDING 15 USC 1681Q- OBTAINING INFORMATION UNDER FALSE PRETENSES, THEN VIOLATING 15 USC 6802 ( GRAMM LEACH BAILEY ACT ) WHEN YOU DID NOT ENSURE THE PROTECTION OF MY PERSONAL FINANCIAL INFORMATION.

18 USC 1028 A- THIS IS A FORM OF AGGRAVATED IDENTITY THEFT AND IM LOOKING TO PURSUE DAMAGES TO THE EXTENT OF THE LAW
Product: Credit reporting or other personal consumer reports

I divorced XXXX XXXX XXXX XX/XX/year>. He was granted the residence at XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, AZ XXXX, and I quit claimed title to him. 
XXXX took an option to have deferred payments during COVID which made the loan go into default. 
He claims to now be current with the mortgage. 
I am upset because it continually drags MY credit score down. 
I have remarried and have Stellar credit for the past 22 years.
Product: Checking or savings account

I'm trying to contact about the Wells Fargo remediation. I've had an account for a very long time, many unjust fees and overdrafts and have had no contact from them. My partner got his check, but I haven't received any word
Product: Credit reporting or other personal consumer reports

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. XXXX XXXX, DEPARTMENT OF EDUCATION 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

Yes I am having issues with penfed bank my bank is located in XXXX XXXX XXXX XXXX. I had opened this account with XXXX XXXX Account number XXXX Routing number XXXX it was money being transferred from my XXXX account I XXXX up once a month recurring deposit for {$100.00} from my checking from XXXX too transfer from penfed checking. Apparently this service from XXXXXXXX XXXX too penfed account the alert and text never show up after the first of each month and then the account deposit shows as as negative. XX/XX/23 shows as deposit too penfed as {$100.00} and then returned XX/XX/23 too my XXXX XXXX as NSF or negative- {$100.00} the issue is the computer problem that deal with the username and password are always having issues and glitches, the password is wrong I am forced to reset my password. I found it impossible that this can happen too different banks. Back and forth,. The deposit is returned as reversed now why would I cheat myself out of money that funded
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  in accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting or other personal consumer reports

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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, states a consumer reporting agency can not furnish an account without my written furnish an 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 and crimes which antedates the report by 7 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 caus
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my XXXX  aspirations. As a dedicated and driven XXXX, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX XXXX XXXX account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my XXXX  endeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my XXXX journey. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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

Accounts to be deleted : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX
Product: Debt collection

I've emailed and explained that I filed XXXX  XXXX Bankruptcy in XXXX through Nevada Bankruptcy court with attorney XXXX XXXX. They confirmed the Credit Card was from XXXX and I have been unable to locate this credit card on my credit report and I asked for the account number in regards to this but, I only received a jumble of account numbers. I informed them that they are passed the statue of limitations as what I was instructed from the Bankruptcy Lawyer and asked them to not reach out to me or anyone else in regards to the manner. They continue to call me from XXXX different numbers ( XXXX, XXXX, XXXX, XXXX, ) and It's a XXXX that is reaching out and also hard to understand. 

XX/XX/XXXX XXXX  : XXXX XXXX Original Lender : Citi Bank Account Number : XXXX XXXX  Reference Number : XXXX Balance Due : {$2700.00} Dear XXXX XXXX, This confirmation letter serves as your written verification for the terms of this agreement that have been authorized on the above referenced debt. Any variation from the provisions outlined in this letter without consent from this office may nullify this offer. This arrangement must be secured by either check or credit card no later than XX/XX/XXXX. Upon clearance of your final payment, we will issue you a release letter within 30 days. 

A payment on the settlement amount authorized of {$2700.00} is due by XX/XX/XXXX. 

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication was sent by a debt collector from a professional debt collection agency. 

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

I have submitted 3 requests to Equifax to have the debt XXXX XXXX deleted from my Credit Bureau since it's more than 7 years old. By law, this debt should be deleted!!! I want to know what Legal actions I can take again Equifax???
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is listing this account status as INDETERMINATE while the other bureaus report it as CLOSED. 

Equifax is also listing a date of last activity as XX/XX/XXXX while the other bureaus are reporting different dates of last activity ( XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX ). This indicates the account was illegally re-aged. 

The last reported date is also listed as XX/XX/XXXX, which also means this was never legally verified. 

Equifax also continues to report positive payments on a closed account.
Product: Mortgage

Shellpoint Mortgage Address XXXX XXXX XXXX XXXX XXXX Fl XXXX I was in a forbearance for my mortgage payments DUE TO COVID 19 and was also offered a deferment to move my missed payments to the end of my loan. In the month of XX/XX/2021 I finally got my old job back and Shellpoint mortgage offered me a loan modification and I started making new payments again in XX/XX/2021. Shellpoint HAD PROMISSED that they weren't going to report me to the credit bureau due to the National COVID 19 situation only to find out that Shellpoint did report me to the credit bureaus and will still report me for up to six additional months until I finish my trial period for my loan modification. 

I contacted them and they don't want to help me at all. I need to have good credit score in order to keep my current job position.
Product: Vehicle loan or lease

I purchased 2 new XXXX XXXX XXXX from XXXX  XXXX  in XXXX XXXX XXXX on XX/XX/XXXX. I traded in two XXXX kias for them. The contract stated that the pay off the old loans on the XXXX kias and the new loans and first payment was due in XXXX. I would have no payment from then until XXXX. I surrendered the titles to the XXXX cars and left with my XXXX kias. 
This was on XX/XX/XXXX, AS STATED BY THE CAR DEALER NO PAYMENT WOULD BE DUE UNTIL XXXX. I was also told to expect checks in the mail for the difference in warranties, gap etc.. Once the paperwork all went through. 
But on XX/XX/XXXX Kia Finance auto debited the payment for the XXXX car I no longer owned and had surrendered/signed over to the dealer 2 days prior for XXXX. This would have been the due date for the XXXX car, had I not traded it in as it was on auto pay. I contacted my bank who informed me since I did not own the car and the transaction was still processing, they would put a stop payment on it, and I authorized this. The XXXX was refunded. 

On XX/XX/XXXX I got a check from Friendly kia for XXXX and then one for XXXX stating difference on payoff for trade in. and I cashed this checks in what appeared to be overpayments. Without a letter of explanation or instructions, I took this to mean this was the money owed to me for overpayment that salesmen talked about on XX/XX/XXXX XXXX XXXX XXXX I received a letter stating this was paid in full. It stated your retail installment account was paid in full. In addition, the car dealer XXXX XXXX, got the title released from Kia Finance and re-sold the XXXX kia. 

Apparently on XX/XX/XXXX my bank reversed the payment of XXXX on XX/XX/XXXX. The letter clearly stated I was not responsible for the debt. ( You cant pay for something you no longer own that was re-sold and paid the person who bought it ( XXXX XXXX ). 
Now, Kia Finance has illegally re-opened this account and is charging 6 % interest daily stating they were paid right they claim they were owed XXXX but the dealer only paid XXXX yet they sent me the paid in full letter and released title to the kia dealer. This is a difference of {XXXX -- -so even if the stop payment for a car I no longer owned or owed on that I did on XX/XX/XXXX had anything to do with this that amount was only XXXX and would not have given this amount. 
XXXX XXXX states that the dealer was given this XXXX payoff amount on both XX/XX/XXXX, and XX/XX/XXXX. On the phone they stated that this payoff amount of XXXX already included the XXXX XXXX payment that was not yet made but this was clear to the dealer and it should have been sent to them as part of the payoff amount, but instead they got this lessor amount of XXXX. 
The dealer only paid them the XXXX yet they released the title and sent me the letter on XX/XX/XXXX saying the debt was paid in full. In addition the dealer says this is the only amount kia requested. 
Can they do this and open back up and hold me responsible for a debt they already cleared and said was paid in full. And claim they did not get enough money?
Product: Debt collection

I opened a Sears card 10 years ago ( XXXX ) and lost control of the debt due to hardships. I eventually moved from XXXX to XXXX to start my life over. When my career started to take a positive turn I contacted the credit report agencies to find creditors listed so I can start clearing debt but there was only new cards and student loan debt present. In XXXX of this year my employer informed me that they received a notice from a marshal ( XXXX XXXX ) to garnish my wages and I immediately assumed it was from student loans. Upon contacting DOE, XXXX, and XXXX XXXX, I was informed that the garnishment did not come from them and I was up to date. When I found out who the marshal was he told me that the judgement was from Sears and I had no idea. I called for an official balance and was given misleading information as to the amount. After months of suffering in wages I called again only to find out that after paying over {$2000.00} since XX/XX/XXXX that they intended to take over {$1800.00} more from me without a statement of payments or balance. This is has been hurting my family because I am a single mother of a XXXX XXXX old and we are truly suffering at the hands of a 10 yr old charged off debt that I feel could have been resolved in a fair way. There must be a statue of limitation on these things.
Product: Credit reporting

I ca n't pull a free report from Experian without signing up for a XXXX Credit Report * FICO score AND it requires me to check a box to receive offers : Yes, send me important credit information and special offers from XXXX and other Experian companies.If I do not check this box, it will not process my request. I called the Experian customer service, and they suggested I go to XXXX. However, the same check box appears, and if I do n't check that box, *Yes, send me important credit information and special offers from XXXX and other Experian companies, I ca n't download the report. I do n't want to receive special offers and do n't want my email address sold.After calling Experian customer service, I was instructed to call back in a few hours, to XXXX, to request a hard copy to be mailed to me. This is very inconvenient process. Even if I did sign up for the XXXX dollar credit report, I would have to call back within 7 days, cancel my membership, but would continue to get emails from XXXX and other Experian companies.
Product: Payday loan, title loan, or personal loan

I applied for a loan several weeks ago. I have never received any loan paperwork, so I assume they denied it. But I also have not received a letter explaining the denial. So I need either loan or the reason they denied it.
Product: Debt collection

On XX/XX/XXXX, I got a call at my workplace from XXXX at XXXX XXXX XXXX about an old debt that I co-signed with my father ( deceased ) on his XXXX card about 12 years ago. He used the card to purchase a TV and I co-signed. I never got any written notice about this debt or attempt to collect the debt. I recall that it was paid in full. They said the debt was {$450.00} but they threatened to escalate it to {$4000.00} with legal fees and court costs. I got a second call from the same person on Friday XX/XX/2018 again at my workplace for the same thing. She also threatened to send someone to my workplace to serve me. A third call on XX/XX/XXXX was from XXXX XXXX with XXXX also at my workplace. The phone # they gave me was XXXX and the account # was XXXX. The method of payment they wanted was for me to use XXXX or XXXX with email receipt. I did not agree to that. I asked for a mailing address and he did not give me that information. I did let them know that I disputed this debt and I called the XXXX card company and found out that account was closed a long time ago. I have not heard back since XX/XX/XXXX. I have contacted my Legal Aid office and was advised to file this complaint. I do not believe this is a legitimate debt collection firm since I never received any written notification from them.