23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After reviewing my credit report I noticed a account I was unfamiliar with from a debt collector LVNV Funding LLC C/O Resurgent Capital for a total of {$900.00} I sent you a requests for Validation not a requests for verification or proof of my mailing address, on XXXX XXXX, 2017, XXXX XXXX, 2017 and finally on XX/XX/XXXX.All in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g , Section 809 ( b ). Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. In a good faith effort to resolve the matter amicably, I stated my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their ( LVNV Funding LLC ) authority in this matter. I advised absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. LVNV Funding LLC sent to me a printout they had generated with sale ledger and of a copy of a bill statement from XXXX XXXX with my name on it. They have not provided any type of contract showing they have the authority to collect or official documentation showing they own the debt but continue to report negatively on my credit report despite 3 written requests for validation they ignored.
LVNV despite my valid request for validation have sent numerous letters stating they are reviewing the account but provide no results. They have even gone as far as to offer me a pay for delete offer through their sister company. They openly violate the FDCPA and refuse to validate any debt but stall and delay in order to undermine the law.
Product: Debt collection

I have been getting constant calls at my place of employment by this company which had resulted in disciplinary action from my boss. They continue to call my workplace after my boss asked them repeatedly to stop. They have threatened my boss and coworkers with legal action if they did not relay messages to me about a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Report : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX2020,. {$520.00}, I proceeded to call Experian to obtain info related to company " XXXX  XXXX. '' Experian referred me to XXXX  given phone number. I contact XXXX  and I was advised that the information would be removed from my credit report and the account would be sent back to the agency that sent it to XXXX. Agent refuse to answer question regarding why my rights under the fair debt collection was violated and refused to give me the name, address, or phone number the purchase company from XXXX XXXX. However, the Experian and XXXX both wanted the identity theft report but failed to supply since Covid 19 a email address. Experian offers a uploading but, it's not taking my reports and yesterday I recieved another credit alert for this being place again on my credit report as a duplicate collection under dispute. Please see attachment a report from the FTC " Identity theft number and XXXX Police Identity theft number attached
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - Account number - XXXX XXXX XXXX - Account number - XXXX XXXX XXXX XXXX XXXX  - Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX 
Account number - XXXX ______________________________________ XXXX XXXX XXXX XXXX  Important dates Inquiry date XX/XX/year> 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Student loan

I have had federal student loans since XXXX at XXXX for my XXXX and XXXX XXXX in nonprofit management. I have worked in XXXX  my entire career with a short period in default but otherwise have paid well over XXXX and over XXXX payment. Somehow I still owe XXXX. I have requested an entire print out of my payments including balance and interest rate along the way. The current servicer Mohela claimed they could only provide back to XXXX and to contact studentaid.gov. They said prior to that servicers have either gone out of business or information not accessible. Mind you the federal government has changed servicers at least 5 times over the duration of my loans. I spoke to studentaid/federal government to request a full report of the money I PAID the federal government and they said it isnt accessible because companies out of business. I then submitted a complaint with them requesting once again my full report. They closed my complaint without resolution. I spoke with them again the other day asking what the resolution was and the person on the phone was confused why there werent any notes and it was closed. This is corrupt. How do I owe XXXX after paying 20 years on a XXXX federal student loan? Why cant the federal government provide me the full history of my payments and interest rate? What other entity provides a loan yet doesnt have accountability for payments and interest rates? How do I know if there was any corruption or false calculation along the way because as of now there is absolutely no explanation as to why I still have XXXX on a 20 year federal student loan that started at XXXX. Furthermore for public service degrees!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my personal credit report I attended XXXX XXXX XXXX XXXX XXXX in XXXX the school was under federal investigation of fraud and accreditation at the time. Due to the school going through this investigation in XXXX I am questioning the credibility of my diploma and student loans. The investigation was found as an false claim act in XXXX showing misuse of funds and a lucrative scam. The paper work required to enroll was forged by school officials which resulted in thousands of loans and tuition granted to students like myself. I was lured in to believe that this would be beneficial to my career. proof Quoted from XXXX " XXXX False Claims Act complaint was filed in secret in XX/XX/XXXX. It alleged that XXXX had engaged in a systematic and nationwide fraudulent practice of forging documents and records to create an appearance of student eligibility in order to receive federal funds. Due to these findings I was disbursed money while this institution was under federal investigation which is against the FCRA. This has caused me to have thousands of debt that is unwanted and a diploma that is ineligible. I am experiencing hardships with repaying loans that I never should have occurred due to this federal investigation. I am requesting you send this information over to XXXX  XXXX, experian, XXXX, XXXX and any other parties who have access to my information and debt.
Product: Debt collection

I checked my credit report and noticed a debt owed to a company that i don't ever recall having a financial agreement with. I mailed the company a letter to verify and validate the debt owed, but my requests were ignored. I disputed the debt with the credit reporting agencies, and it came back as accurate. The following account needs to be removed immediately : Account Name : XXXX XXXX. Account Number : XXXX. Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX   XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Debt collection

We got a call from the Revenue Group, XXXX, about a debt that is almost paid off and that we have been making regular payments on all along. The amount they stated that was still owed is not the right amount still due and owing. Then they asked why the last amount paid was only {$25.00}. ( It was all we could afford at that time ) We never received a notice of right to dispute this amount and debt.
Product: Debt collection

On XX/XX/XXXX The company states they made an attempt to notify me that an account in which I have no knowledge of and have not had proper verification of validation of debt being owed. They reported on XX/XX/XXXX, ERC made several attempts to contact me. Which is not true. They also submitted a report saying they sent an initial letter notifying me of the account placement in their office. Began to express they spoke with me on XX/XX/XXXX, which again is not true.They also state On XX/XX/XXXX, ERC received a dispute forwarded to our office by the credit reporting agencies. Which IS true a dispute was submitted to all tree credit reporting agencies XX/XX/XXXX. As a result XXXX and XXXX have removed the reporting from my credit file because the company failed to provide proper validation of the ownership for this account and failed to do so in the amount of time legally allowed to validate debt. They have failed to remove the report from my XXXX account and it is adversely caused me to be declined from recent credit line request. My dispute reason was submitted as Ownership : I have no knowledge of this account. They then have stated that I need to contact the fraud department. Their debt collection tactics are to give the run around without properly validation. They have placed information my my XXXX account after the 45 day time limit which is illegal.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX XXXX via telephone call with Navy Federal Credit Union fraud services ( XXXX ) a stop payment was requested in accordance with 4-403 CUSTOMERs RIGHT TO STOP PAYMNET ; BURDEN OF PROOF OF LOSS During this time, Navy Federal Credit Union was made aware of several unauthorized fraudulent transactions and a stop payment was requested. 

On XXXX XXXX XXXX XXXX XXXX via telephone call with Navy Federal Credit Union fraud services XXXX XXXX XXXX a stop payment was requested in accordance with 4-403 CUSTOMERs RIGHT TO STOP PAYMNET ; BURDEN OF PROOF OF LOSS For the second time, Navy Federal Credit Union was made aware of several unauthorized fraudulent transactions and a stop payment was requested. 

These transactions consisted of the following at minimum transactions : -An unauthorized account was added for the purpose of internal transfers according to the fraud department representatives. 
- {$2400.00} dollars was removed from primary checking account ending in XXXX, and pending transfer to said unauthorized member to member account. 
- {$500.00} dollars was removed from my secondary account, ending in XXXX, and pending transfer to said unauthorized member to member account. 
-Several Cash advances were requested from my account credit cards with pending cash transfers to said unauthorized member to member accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX XXXX XXXX XXXX XXXX  A report was filed with FDLE to document fraudulent charges. 

On XXXX XXXX XXXX XXXX XXXX via telephone call with Navy Federal Credit Union Fraud Services ( XXXX ) As requested, all checking, savings, and credit card accounts were changed to remove unauthorized access. I was informed by the representative that the issue was under investigation. 

On XXXX XX/XX/XXXX XXXX XXXX via telephone call with Navy Federal Credit Union fraud services ( XXXX ) The representative named XXXX stated that the appropriate fraud claims were not opened nor completed during the previous call. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to the XXXXXXXX XXXX to file for fraudulent claim in person. I provided a demand letter explaining the fraud that had occurred. I spoke with XXXX, who gave me a form to fill out and printed all my statements from the last month for my accounts. She informed me that she would put in an urgent request for my money to be returned, but that it could take several months.
Product: Checking or savings account

In XXXX, XXXX, we took an auto loan offer from a local credit union to finance a certified pre-owned XXXX XXXX car. We also set up an automatic payment from our Wells Fargo checking account to make an ACH payment each month automatically so that our payment would be timely. We thought everything was going fine until both I and my wife each received a delinquent payment reminder from the credit union in the mail on XX/XX/XXXX. As it turns out, we have discovered that our monthly payment is not an ACH transaction but rather a check mailed out by Wells Fargo to XXXX XXXX XXXX XXXX XXXX each month. We were never notified of our payment not being completed by the faster ACH process -- we always thought our payment was an ACH transaction. The reason we thought this was an ACH was because our payment was scheduled for the XXXX of each month and always cleared in our Wells Fargo account within two or three days after the XXXX of the monthlong before the end of the 10 day grace period ( on the XXXX of each month ). 

However, we just learned that Wells Fargo has been instead mailing our payment to the credit union every month instead of doing the understood ACH transaction. 
Furthermore, we find it VERY ODD that our payment was clearing in our Wells Fargo account up to a week or more before the payment was registered at the credit union. 
We couldnt believe it when we found out Wells Fargo deducts the payment, not when the mailed check is cashed by XXXX XXXX XXXX XXXX XXXX but instead on the date it is mailed. This made it appear that our Wells Fargo loan payment was always on time. Is this practice even legal? How can a bank deduct their own check from a customers accounts before the check is even cashed by the payee? Isn't this known as front-running. By doing this, a bank could increase their cash balance sheet by millions of dollars in uncashed payment deposits for a week or more. 
As it turns out, almost every payment that Wells Fargo has been mailing ( not electronically sending ) for the last 3 years has been late and incurring a {$25.00} fee.. Our fees have accumulated to about {$450.00}. 

We depended upon Wells Fargo to transact our payment for us in a timely manner and to be completed before our grace period was over each month. We even had initial phone support with Wells Fargo to set this auto payment up in the beginning to make a timely payment. By our account clearing our monthly payment before the grace period was over, we were misled by Wells Fargo that our payment was being transacted on time. As a result, we have accumulated {$450.00} in fees ( {$25.00} per late payment ) over the 3 years weve had the loan with the credit union.
Product: Debt collection

I was never a member of XXXX, I never gave my information, I only inquired about membership. I am a member of another gym and Do not understand where this debt is coming from. I wish to stopped be sought out to pay a debt that is made up by the company and i wish to dispute said amount.
Product: Debt collection

This account has already been disputed with CFPB however it was sold to a collection company called ZIONS DEBT HOLDINGS. The previous company was XXXX, which is the dispute held on file with CFPB. The original account holder was XXXX XXXXXXXX. Several times in XXXX I tried to cancel it and they would not let me. XXXX  in XXXX under XXXX, I called and wrote letters to cancel it several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am a consumer and natural person who is a victim of identity theft. XXXX, XXXX, and TransUnion used and furnished my consumer report without my consent, authorization, or written instruction. These consumer agencies allowed companies to share my nonpublic personal information without my consent and also used that data to furnish. Congress confirms that the consumer has a right to PRIVACY! XXXX, XXXX, and TransUnion has violated my federal right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information.The FCRAs purpose is to be sure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMERS right to PRIVACY! XXXX, XXXX, and TransUnion are in direct violation of the FCRA and Grain Leach Bailey Act of 1999 by sharing and selling my nonpublic personal information without my consent.
Product: Credit reporting or other personal consumer reports

Equifax still showing XXXX XXXX account stating I made payments of XXXX in XXXX. 
Stating XXXX  days late XXXX  times in XXXX All of this information is incorrect and fictious I submitted to Equifax XXXX theft form and they still refuse to remove this account Exeter account car loan over XXXX XXXX XXXX still showing on credit report XXXX XXXX XXXX close out over XXXX XXXX XXXX closing still showing on report. CLOSED Collection account still showing even though NEW LAW INTO AFFECT BY XXXX NO MEDICAL BILLS ALLOWED TO BE SHOWN ON CREDIT REPORT ( RULE V ) THIS ACCOUNT IS XXXX XXXX XXXX
Product: Debt collection

replying to case number : XXXX XXXX XXXX XXXXXXXX is Continuing to break federal law. I never refused to pay but only asked for debt validation pursuant to 15 usc 1692g which was sent to their company, and they never responded with the documents validating this alleged debt. No contract or agreement or anything. When I filled out this agreement I was not informed on basic facts, such as you needed two consenting parties to make an agreement. That I needed to understand what was in this agreement it had to be clearly and conspicuously explained to me to know what I was agreeing to, which they did not do. I was supposed to make an informed decision pursuant to 15usc1601 ( a ). I made an uninformed decision onXX/XX/2021when there wasn't any evidence of indebtedness, the only evidence of indebtedness was the agreement but because it was an uninformed decision that agreement is null and void. The agreement never served as adequate notice because the agreement never set forth those pertinent facts clearly and conspicuously to me where I could notice it and understand its meaning pursuant to 15usc1602 ( k ). XXXX XXXX XXXX then sold my nonpublic information to RESURGENT capital services, and they admitted to purchasing it. These companies have been damaging my reputation by reporting inaccurate information on my consumer report advertising it to the public and I don't know who is seeing it. I am tired of being a victim of these criminal acts
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Late Payment Reporting Dear, To Whom It May Concern I am writing to formally dispute the late payment entries reported on my credit report associated with my account. I believe these entries are inaccurate and unfairly reported due to non-compliance with the Truth in Lending Act ( 15 USC 1666b ). 



XXXX XXXX Account # : XXXX According to this statute, a creditor may not treat a payment on a credit card account as late unless reasonable procedures are in place to ensure that each periodic statement, which includes the required disclosures from section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. I have not received the periodic statement as required, and I have requested proof of this mailing in good faith, but I have not received the necessary documentation.

The failure to provide the periodic statement in a timely manner is not only unfair but also illegal, and it has negatively affected my credit report. Therefore, I am requesting the following : 1. A review of my account and the removal of any late payment entries from my credit report.

2. Documentation proving that the periodic statements were mailed or delivered to me at least 21 days before the due date.

Please consider this letter a formal request to rectify this situation. I expect a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). If I do not receive a satisfactory response, I will consider escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have a medical debt on my credit report for a service i never received. I went to emergency room but was looked at and let go after 15 minutes and now i have a collection company selling it to a law firm saying that i am in default of the visit. Please assist in helping me to get them to stop attempting to collect a debt that is not owed as i never received any service.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 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