23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV Funding LLC placed 2 collection accounts on my credit report but have failed to send me proof they own the alleged debt even though I wrote them several times. These are the amounts and account numbers : 1. {$1000.00} - Acct. # XXXX XXXX. {$1100.00} - Acct. # XXXX I never had an account with LVNV Funding LLC! I asked to be sent one or all of the following : 1. a copy a contract with LVNV Funding LLC showing my name 2. a copy of a bill of sale for the alleged account showing my name 3. an unredacted copy of the asset schedule showing my name 4. a copy of any purchase and sale agreement for my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/2020, I submitted a request to Select Portfolio Servicing, Inc., regarding the cancellation of my private mortgage insurance. My request included the required fee for a Broker Price Opinion. Since then, SPS has given me the runaround, claiming I never sent the fee, that I never applied, then finally admitting they had received the application and fee but generally just stalling on taking action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an hard inquiry that is on my credit report that was from fraud. As a result I did a freeze on my TransUnion credit profile on XXXX XXXX. I called TransUnion to explain to them that I did not authorize or apply for any new credit. TransUnion told me that the inquire had to stay on my credit report for up to 2 years. 
The inquiries that was as a result from fraud is as follow : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from Capital Accounts on XX/XX/XXXX about a debt that is not mine. I called them and instead of then investigating it, the woman called me a liar and started harassing me. I have not had services from XXXX XXXX this is not my debt or account, I have not been seen by that office since XXXX and theyre claiming its for services rendered in XXXX. I want it removed ASAP, this isnt mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX I opened disputes of debt validation with all 3 credit reporting agencies. XXXX, Experian, and XXXXn. XXXX  and Experian have not provided me with any proof of validation for the student loans reporting from XXXX, XXXX, XXXX etc. These loans showed {$0.00} paid, closed, and paying on time. After the inquiry of dispute, XXXX  and XXXX tripled the summary balance of amount owed and have yet to provide me with any documentation of validation for doing so. I have been on an IBR payment plan where all loans were consolidated and all payments were made on time.
Product: Debt collection

i do not recognize the account " GE CAPITOl '' represented by XXXX XXXX. Previous research indicates this charge was initiated in Florida. I believe this account belongs to someone bearing a similar name to me. I do not have knowledge pertaining to this account. I don't know if it is a credit card, a store card like XXXXXXXX XXXX  or XXXX XXXX, or personal bank or revolving charge account. I've filed a complaint with XXXX  and it was removed by the credit reporting agency to my account. I filed a complaint with XXXX  today. Discrepancies are date opened XXXX, date of last payment I never made XXXX. Date of first delinquency XXXX and date reported XXXX.
Product: Payday loan, title loan, or personal loan

I was asked for copies of bank statements and income statement the copied them and told me to get another statement from the bank and I need my payee with me im on social security I earn {$880.00} XXXX monthly credit not under XXXX I want to move. I stayed at my residence for 45 years. I need help. a denial cause of a payee its unfair discrimination my mother cant walk in the office I asked if she could speak to her on the phone she denied trying that.. I never even filled an application out, ,no paper work. I was there on Friday at XXXX the XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

STILL REPORTING LATE PAYMENTS AND CHARGE OFF WITHOUT VALIDATION OF DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$1600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- INSTALLMENT LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX, XXXX received a {$1500.00} loan from this East Line Lending during a time where work was slow because of the pandemic. I was told I would not have an early off fee but the interest rate for the early pay off is higher for each day when you go to pay it off. I have paid this company well over {$1500.00} already and they are still trying to get me to pay more. They called my employer and stated they would be doing a garnishment and that I was aware of this. I have not received any court filings or any communication from East Line regarding a garnishment. When I spoke with East Line they told me I received something via email. I have searched my email and there is nothing in my email regarding a garnishment. I have asked for access to my contract and still don't have that. This company is taking advantage of people during the pandemic. I understand paying off my loan and within reasons but {$6000.00} or more for a {$1500.00} loan is insane.
Product: Credit reporting or other personal consumer reports

My student loans were forgiven under XXXX effective XX/XX/year>. Upon forgiveness, the loans fell off my credit report and stated paid in full. I noticed today that the loans have reappeared on my credit report. Mohela is/was the loan provider.
Product: Debt collection

XXXX XXXX belongs to me somebody must have stole my identity it is damaging my credit
Product: Debt collection

I received a threatening voice mail from an  XXXX   XXXX  stating that she was from HSBC at  XXXX . She threatened me with the following statements : That they will find my employment, freeze my assets, and that my " personal finances will be interrupted '' in 72 hours if I did not contact them. When I called her back, she became extremely argumentative and when I asked for her supervisor, she refused to transfer my call. She hung up on me. I called her back and when I asked the lady who answered for a supervisor, she indicated that she was one. When I told her I wanted to know why they had threatened me, she became evasive. I asked her for her supervisor and she hung up on me. All in all, I tried 4 calls to find out why they were calling me, or if the call might have been for my mother. These people were rude, threatening, and should be stopped from making threats. I have attached the voicemail recording for your information and review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with the fact that I submitted a complaint to the CFPB in regards to inaccurate reporting AND missing information in reference to XXXX and Transunion. These 2 bureaus all advised that my credit report is true and accurate. I submitted documents with MISSING and INCONSISTENT information within the account information profile. I also submitted documents with INACCURATE and INCONSISTENT payment reporting between these 2 bureau 's. This is violating federal law and I want these accounts reflected in the attached documents to be deleted due to the credit agencies listed above violating federal law and none of them rectifying this problem or I will seek litigation against them. 

I am very disappointed that a federal entity, such as the CFPB, would allow this type of inaccurate reporting from these companies stand. Furthermore, letting it stand when the complainant is in possession and also producing legitimate and tangible proof, such as a credit report with all of the reporting agency information listed. These credit reporting agencies are also under investigation under the United States Congress in reference to millions of consumers submitting disputes and them not being rectified as well as submitting complaints from the CFPB and nothing changing.
Product: Checking or savings account

We have banked with Boeing Employees Credit Union ( BECU ) since XXXX ; the account in question was opened in XXXX. We have XXXX accounts ( checking and savings ), same ownership, with a balance of {$40000.00} at the time of the incident. There has never been an incident of non-sufficient funds. 

On XX/XX/XXXX, we received a BECU cashier 's check in the amount of {$15000.00} for the sale of a vehicle. We went into a location branch, and happened to catch an employee walking by ; we asked how to have the check deposited without a hold. He said we'd have to wait to see an employee, and it was quite a process to do it. We decided not to wait, and made the deposit from home. ( BECU does not have tellers, only platform employees. ) On XX/XX/XXXX, we received a letter regarding an " exception hold ''. We were advised that because our deposit exceeded {$5500.00}, they were holding {$9400.00} until XX/XX/XXXX. 

I called their XXXX # to question this, since it was their own cashier 's check, we had more than sufficient funds in our accounts, and we were established customers. I was told they put holds on all checks over {$5000.00}, no matter the source of funds nor the account relationship. 

On XX/XX/XXXX, I moved the funds to another institution, because of this lack of customer service. 

I had the same situation in XXXX, with a hold placed on a check when there was more than enough funds to cover it. I called BECU when I got the letter, and told them I had already written a check against those funds ( again, their letter was received several days later ). The representative told me they would pay the check ; they did not. It was returned for " uncollected funds ''. 

I believe BECU is harming customers by not making what are " good funds '' immediately available.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge JPMCB CARD XXXX Date Opened : XX/XX/2016 Balance : {$21000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Vehicle loan or lease

I paid off my XXXX in XXXX of XXXX They said they sent out my title ; however, it was never received in the mail. I waited the duration of time they said it would takeXXXX to XXXX days. Once that had passed, they said they sent it and that now they are going to send a duplicate title. 

Note : they had never sent anything via certified mail and have no trackability on whether it made it to my mailbox. 

Now its XXXX and Im requesting my lien release paperwork and all documentation I can use to help get my car registered. Nothing was done about that. 

By now Ive lost count of how many times Ive contacted them, and its XXXX. They said they were going to expedite and send me my lien release via XXXX. Its now XXXX and I just got the tracking number, however the tracking number says that it was never brought to XXXX and is still with XXXX. 

I was then told an additional time that they didnt ship it XXXX and that it was sent through regular mail. With all this confusion, I contacted them again asking for a supervisor, only for them to hang up and not return my call. 

Im beyond frustrated and confused as to why they keep lying to me and telling me different stories every time I call. I need to get to the bottom of this and receive my cars title, as its impacting my life.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I pulled my credit report from the credit bureaus and I found alot of inaccurate and misleading information reporting on my credit that I have asked the credit bureaus to investigate correctly and fix but nothing has been been fixed but they tell me that the company is reporting the correct information. I have also asked for proof and deminstrations of the procedure that they have followed to determine that the information was true but they have not.This compand has been reporting Charge off after charge off several times which is a violation of my consumer rights under 15 USC 1681 ( e ) and 15 USC 1681 ( i ). This company has also written this debt off but never sent me a 1099 letter that I have requested. I also am requesting a cease and desist to this company on all communications especially to all 3 credit bureause until they can give me a 1099C and removed this debt off my credit.

Account info Account name XXXX XXXX Account number XXXX  Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$230.00} written off. {$230.00} past due as of XXXX XXXX 
Status updated XX/XX/XXXX Balance {$230.00} Balance updated XX/XX/XXXXXXXX  Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$420.00} Terms - On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge off Payment history guide Charge Off as of XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as of XXXX XXXX XXXX XXXXXX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name, XXXX XXXX XXXXXXXX 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

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX [ XX/XX/2024 ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute Letter Regarding Collection Agencys Violation of Consumer Rights Dear Consumer Financial Protection Bureau , I am writing to formally dispute the actions of [ Harris & Harris LTD account number XXXX ], which I believe to be in violation of my rights as a consumer under federal law. Specifically, [ Harris & Harris LTD account number XXXX ] has not adhered to the requirements set forth in 12 CFR 1006 ( Regulation F ) and 15 USC 1681 ( Fair Credit Reporting Act ). I request your assistance in addressing the following violations : XXXX. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : [ Harris & Harris LTD account number XXXX ] has not provided validation information regarding the alleged debt, as required by law. Despite this, they have reported this account to consumer reporting agencies, adversely affecting my credit. 
2. Denial of Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ) : I have not been given the legally mandated opportunity to dispute this account. The agencys actions deprive me of my right to challenge the validity of the debt and are therefore non-compliant with Regulation F. 
XXXX. False and Misleading Practices ( XXXX XXXX XXXX ( d ) ) : By furnishing this account to consumer reporting agencies without providing the necessary disclosures and validation, [ Harris & Harris LTD account number XXXX ] is engaging in deceptive, misleading, and misrepresentative practices. These actions are in direct violation of the rules governing fair debt collection. 
4. Violation of Fair Credit Reporting Act ( 15 USC 1681s-2 ( a ) ) : [ Harris & Harris LTD account number XXXX ] has no authority to furnish information to consumer reporting agencies without first meeting all disclosure requirements outlined by federal law. Their failure to comply is a clear breach of the Fair Credit Reporting Act, specifically Section 1681s-2 ( a ). 

These actions by [ Harris & Harris LTD account number XXXX ] have caused undue harm to my credit profile and personal finances. I kindly request that the CFPB investigate this matter and take appropriate action to enforce compliance with federal laws. 

I also ask that you ensure [ Harris & Harris LTD account number XXXX ] provides full validation of the alleged debt, removes the unauthorized collection entry from my consumer report, and ceases any further reporting until they meet their legal obligations. 

Enclosed, I have attached copies of relevant documentation to support my claim, including my consumer report and correspondence with [ Harris & Harris LTD account number XXXX ] ( if applicable ). 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me at [ XXXX ] or [ XXXX ] for any further information. 

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

Ive contacted Sunbit multiple times about an inaccurate delinquency on my credit report, which was recently added by them. They claimed that they were investigating the dispute, but turned around and immediately added it to my credit report, which is now preventing me from renting a rental unit based solely off of this XXXX incorrect credit report. Its illegal and its predatory!
Product: Checking or savings account

recieved a package of checks tied to a newly opened account in my name from TD Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out to on XX/XX/2020 XXXX XXXX/ XXXX XXXX   and to no avail, I have not received back the items that were requested in my Validation letter. Instead, i received a computer generated statement. Which I'm disputing In accordance of the ( FDCPA ), this has caused me detrimental health concerns due to the fact I have no knowledge of this account. My credit score has been affected. I am asking for this item to be removed from my credit report.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.