23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV FUNDING LLC HAS VIOLATED ALL MY RIGHTS. THEY CONSTANTLY CALL AND REFUSE TO REMOVE ANYTHING FROM MY CREDIT REPORT AFTER I DISPUTED THE CHARGES. THEY ARE A THIRD PARTY COLLECTION AGENCY. 
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers with my actual signature of such debt and not a computer printout. In that same letter, I also included my Cease and Desist instructions. This is not my debt or it is a fraudulent account and it is not my account. 

After verifiable delivery of my Cease and Desist & Estoppel by Silence letter ( via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense when I bring your company in front of a judge. 

Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : And I do mean all 4 request not some. 

Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature ( Not a Computer Printout ) -License proof to collect debts in my state And a copy of my NYS Photo ID which is required to open this type of account
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NJ XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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

On XX/XX/2019, XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXX XXXX, DE XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

Receivables Performance Management is showing a collection on my credit reports for a bill/balance due to XXXX XXXX. This is not mine, i do not have XXXX service, never had it, and do not want it. 

I previously contacted them, and issued a dispute and re-investigation per the information listed on your CFPB website, and i have heard nothing except for copies of a bill or statement mailed to me. The bill has a name that matches mine, someone with a similar name, yet i live in XXXX, not XXXX. 

I disputed again, telling the collector this info and have received no response. This appears to be mixed up, or merged by accident on my credit report. I asked the collection agency to send myself the proof they are saying verifies this, and all i get are statements. This is not mine! I never signed up for XXXX, i never allowed ti to be signed up for under my name, and i never signed a contract or agreement at any point. 

I want this erroneous account removed from my credit reports asap due to the extreme negative effect it is having on my credit score please. 


RECEIVABLES PERFORMANCE # XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/2016 Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$520.00} Date Updated : XXXX/XXXX/2016 Original Amount : {$510.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : XXXX {$520.00} XXXX;
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I mailed XXXX, Equifax and XXXX my FTC Report. Also my License. I am a victim of identity theft. I have fraudulent accounts reporting on my consumer reports. I will be filing a civil suit to address the illegal activity from these credit agencies.
Product: Checking or savings account

I opened a citi bank account and placed funds in their from my work prepaid netspend card. With hopes of depositing more money until my funds were automatically frozen soon as I put them in they were pending then finnaly released I tried to get gas the card declined Tuesday the XXXX of XX/XX/year> I called they said the account is under review I made the deposit XX/XX/XXXX to fund my new account. So my funds have been frozen since XX/XX/XXXX XXXX. Ive called Tuesday, Wednesday and Thursday everybody keep saying the back office is doing their review they told me XXXX hours. So today I call and was told the same thing. I have utility bills that are at risk for shut up. And every supervisor from their department is telling me thats its under review and they keep changing the time frame.
Product: Credit reporting or other personal consumer reports

XXXX/BALANCE CR is showing and. open account with a balance when it's been paid for over 2. yrs with a XXXX balance and is closed. They agree it's been paid but say they have no idea why it's still reporting with a balance on my credit report. 
I want it either removed or updated to correctly show a XXXX balance and closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I disputed the following accounts 1. XXXX # XXXX ( NoPaymentHistory/Fraud ) 2. XXXX ( Notmyaddress ) 3.Remove all old addresses, becauseofinaccurateinformation. 
4. XXXX XXXXXXXX XXXXAccount # XXXX Once this was confirmed by the bureau the account was removed then added again and my score was decreased. I am owed XXXX dollars according to the rules and regulations of fair credit reporting if I dont receive a response with in 30 days. 

On XXXX XX/XX/2023 I called Equifax consumer services and spoke with agent XXXX at around XXXX and attempted to understand the situation and check the status of my disputes that were previously submitted. I was told that I had to wait for the investigation to end. I told the agent 15 USC Code and she told me I still had to wait and then I asked for a supervisor. She proceeded and put me on hold and dropped the call after about 10 minutes. Equifax is not reporting accounts and fair information on my report. It appears they are working more with consumers to ensure false information is retained on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified several serious discrepancies with Experian 's reporting of my account named " XXXX XXXX XXXX '' ( account number : " XXXX '' ) on my credit report. Notably : 1. Payment history is incomplete, with no data recorded for the periods from XXXX to XX/XX/XXXX, and XXXX to XX/XX/XXXX. 

2. A repossession incident has been erroneously reported twice, once each in XXXX and XX/XX/XXXX. 

3. Payment status inconsistency was reported as 30 days late in XX/XX/XXXX, escalated to 60 days late in XX/XX/XXXX, and then surprisingly reverted to 30 days late in XX/XX/XXXX. 

Despite my efforts to dispute these discrepancies with Experian, my claims have been dismissed as " verified '', suggesting an insufficient investigation into the matter. To compound the issue, I have received no documentation validating the reported debt, nor any records of repossession or details on the balance calculation. Finally, the statute of limitations for this debt, under Pennsylvania law, has elapsed.
Product: Credit reporting or other personal consumer reports

You were notified that my information was compromised in the XXXX data breach and failed to remove the disputed accounts from my consumer report. Please see the attached FTC report and XXXX data breach claim id and remove the following accounts from my credit report within 7 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax has all inaccurate information on me and has n't updated my credit file since 2009. I have n't had this problem with either of the other XXXX bureaus. This inaccurate information includes XXXX misspellings of my name, inaccurate creditors, and no updated credit information since 2009. 

I have been denied a car loan, mortgage, and even cable tv. Each time I try to get a free credit report from Equifax it asks me security questions that are not related to me and therefore, they deny my report. When I sent the request via mail they never responded. I 've called XXXX times, but could never get anyone on the phone. The only time I got someone on the phone is after I paid for a credit report ( which I should n't have had to ). This lady was unable to help me nor was her boss. They did not have the authority to fix any of my issues. I sent them via fax my birth certificate, my current FL drivers license, my old AL drivers license, my government XXXX card, and even my passport. Even after sending all of this information the only thing they did was update my name, but left everything else being inaccurate. 

I 'm not sure why I have had all of these problems only with Equifax. The other XXXX are correct.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC
Product: Checking or savings account

First and foremost, I know in lieu of the corona virus we are all facing difficult & trying times. The Banks are closed and business can only be conducted through atm or direct deposit. Which is a good move and I am totally fine with the Govenors decision. 
On XX/XX/2020 I deposited a check in the amount of {$2700.00} at the Atm on XXXX XXXX in XXXX, PA. 
The amount came out of my husbands XXXX account the next day. 
Yet for the past week when I go on line the funds are on hold. I called the bank, 40 minute hold time. I drove down to the branch yesterday XX/XX/XXXX,. I asked to speak to the manager the time was XXXX he was kirt, sny and very condencending. I was gravely insulted. not to mention, I have a history a XXXX XXXX XXXX. I was so upset I was worried for my life. 
He mentioned I may have a history with the bank.I do have a history of banking with TD bank for 18 years with no problems. The manager was a male who would not give me his name. I was at the drive through. ( corona virus mandates ). The manager was very unprofessional and upon my visit with proof the funds had cleared, This whole situation should have been avoided. 
Please do not hesitate to contact me with any questions or concerns regarding this matter. Thank you for your time and consideration regarding this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

This was a tax lien that was filed for property taxes. I sold the home on XXXX and I paid the prorated taxes in the closing. Called XXXX XXXX XXXX XXXX XXXX XXXX and since I was the owner for XXXX 2015 the Tax Lien was filed against me. The property taxes was the responsibility of the NEW OWNER. I called the new owner and was told that HE was late paying property taxes. The TAX LIEN was not my responsibility. I have the DEED showing that the property was no longer my responsibility.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to unauthorized inquiries persisting on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). This is my second request, as the credit bureau has failed to take adequate action after my initial claim, sent on [ XX/XX/XXXX ]. The involved creditors confirmed that they do not possess written authorization or a permissible purpose for these inquiries. '' Unauthorized Inquiries : List the inquiries you continue to dispute : XXXX XXXX - XXXX : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FCRA Violations and Relevant Case Law : " These unauthorized inquiries violate several provisions of the FCRA and relevant case law, as follows : 15 U.S.C. 1681b ( Section 604 ) - These inquiries do not meet permissible purposes for accessing my credit report as established in XXXX XXXX XXXX XXXX XXXX. 
15 U.S.C. 1681i ( a ) ( 5 ) ( Section 611 ) - The FCRA requires deletion of unverifiable information, in accordance with XXXX XXXX XXXX, XXXX. 
15 U.S.C. 1681s-2 ( Section 623 ) - Information providers must ensure reporting accuracy, as underscored in XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX '' Verification and Documentation Requests : " I specifically requested manual verification of these inquiries and any original documents justifying their presence on my report. However, I have only received generic responses, with no detailed explanation of the verification method, which violates 15 U.S.C. 1681i ( 7 ). I also requested deletion under identity theft protections ( 15 U.S.C. 1681c-1 ), as these inquiries pose a potential fraud risk. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows and is not mine XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$7700.00} XXXX {$7700.00} XXXX - {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} XXXX  {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

Since XXXX I have been disputing accounts on my credit I do not recognize. I have never received any mail from Kinum Inc, I do not know who they are, I never signed any contracts with them, and they refuse to validate debts that are on MY credit! I refuse to be a part of their game any longer! You are a federal agency! I demand that you force them to follow the FCRA, FDCPA, and other federal laws that have been set forth for them to follow. They have not responded to any of my validation requests, or a XXXX  complaint about them. They have illegally assessed interest and penalties to the account, without providing any reason or right as to why! I DEMAND JUSTICE! They have never responded to my requests, a violation of the FCRA, they have never sent me any dunning letters, a violation of the FDCPA, they have never sent me any mail at all, and yet they are on my credit. they have continued to report a disputed debt another violation. Kinum inc is breaking the law, HELP ME!
Product: Mortgage

Consumer Finance Complaint # XXXXXXXXPlease add additional information to complaint : The mortgage loan was transferred to Countrywide Home loan from the lender I tried several time to modify my loan because the interest rate adjusted out. I was given given incorrect information on how to submit the modification by customer service., Documents was faxed to Countrywide several times but they would statethey never received them. Several large mortgage payments was also made to Countrywide per their request. 
The loan was later transferred to Bank Of America and they were difficult to workwith on the modification request. I 'm aware Bank Of America entered into a Federal Consent Order, Justice Dept. because of the mishandling of mortgage modification requests. I am a victim of those unfair practices. I 'm still residing in the propertyand I want to keep my house.
Product: Credit reporting or other personal consumer reports

These inquiries are not related to me, and I have no connections with the listed creditors. I urgently request their removal from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE IS TRYING TO OPEN AN ACCOUNT UNDER MY NAME. I CALL THE COMPANY. I CANT GET THROUGH ITS AN INQUIRY FROM XXXX/XXXX I DID NOT AUTHORIZE
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting.