23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : VELOCITY INVESTMENTS LLC Your NAME : XXXX XXXX XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Credit reporting or other personal consumer reports

After multiple requests to investigate this account, it is evident that both XXXX and Aldous and Associates have violated my consumer rights. I previously submitted a complaint to the CFPB but have yet to receive a response from either the collection agency or XXXX. Under 15 USC 1681e ( b ), you are legally required to ensure maximum accuracy in your reports. The information provided by XXXX XXXX ( account number XXXX ) is clearly inaccurate according to the Fair Credit Reporting Act. Therefore, I am formally requesting the immediate deletion of this account due to your failure to comply with 15 USC 1681e ( b ). Enclosed is the response from the original creditor, which highlights the discrepancies in my report. 

Please address this matter promptly.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized accounts on my credit report during a recent review. Kindly remove these fraudulent entries, as they are obstructing my ability to obtain credit. These accounts are unfamiliar to me. 

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

Deparment of education/XXXX is reporting a 90 days late payment in XX/XX/XXXX for XXXX different federal student loan accounts with XXXX  & Transunion & 22 accounts with XXXX, but the accounts were never late because they were all in forbearance from XX/XX/XXXX until XX/XX/XXXX then paid in full through consolidation XX/XX/XXXX. I sent proof of the loans ' status history from the department of education to XXXX and all 3 credit bureaus & requested that the late payments be removed, but they have not been removed. These late payments are causing a huge impact to my credit score as there are so many accounts that the late entry is multiplied by. I need this corrected asap. I have attached the documentation showing the loan 's status history where it was never late as well as my statement from XXXX from XX/XX/XXXX showing no late balance.
Product: Credit card or prepaid card

I have a Chase credit card with a limit of {$1500.00}. I've been making good strides to make big payments and trying to pay off the debt. I have received 12 envelopes in the mail in the last two months containing blank checks to transfer balances to the account I have been paying off. I called the company to ask for these mailings to stop and they said that it would take up to 90 days for the marketing mailings to stop being delivered to my house. I asked for marketing emails to stop and they said it would take up to 10 days for it to stop. For 90 days I have to worry about if someone will steal my mail and use the blank checks for my account.
Product: Credit card or prepaid card

I was charged excessively for the same reason after XXXX lock when I received my new card there was only {$8.00} someone is using my personal information and XXXX. On the dark web my social security number. Someone is collecting information XXXX XXXX  sending me new with no reimbursement netspend is Ive made a purchase to XXXX that when it all begin XXXX has my account and secure something XX/XX/2022 XXXX
Product: Credit card

Capital One. I was told some time ago that they would lower my interest rate from something like 23 % to 20.15 %. They are charging me 20.4 % per XXXX a supervisor at Capital One. She says because the Federal Reserve Rate was increased. That should have no effect at all on my interest rate. I was told my interest rate was going to be 20.15 % for six months and now they need to go back and correct my account. There may be others as well that need to have their accounts adjusted. I never received a notice from Capital One stating that they were raising my interest rate. They have to tell me what my interest rate is under Federal Disclosure laws, they did not. This may be a class action lawsuit. Okay, so the Federal Reserve Rate is increased .25 %? They are already charging three times the Federal Reserve XXXX so the .25 % is better off in my pocket than it is in Capital One 's. Right now I have no money, have doctor 's appointments to make, and have to wait until the XXXX to get more money. I have attached statements showing my interest rate was 20.15 %. XXXX of the documents is awful looking, but you can see where they were adding interest to my account. At this time I had the card paid off by XXXX XXXX XXXX XXXX, where I get a much lower interest rate. Also, I am getting student loans now and they are about 4 %, I am trying to pay them off and just keep the cards for emergency only, and since the interest rate on this XXXX is higher than my XXXX Account, I will probably eliminate this card altogether.
Product: Debt collection

I have no contracts or agreements with CREDIT COLLECTION SERVICES. The company does not have my written consent to use any of my personal information. No consent is Identity Theft. That is a violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Vehicle loan or lease

Sheffield Financial uses a website for customers holding vehicle loans who can make payments online. I have a small loan of about {$5000.00} for a motorcycle. I suspect many who have loans with Sheffield are probably young people who also finance motorcycles. Sheffield 's practice is, not showing any balance due on loans when customers sign into their loan account days before the due date. Only after the due date do customers have any notice that they have missed a payment on their monthly. My monthly payment is on the XXXX. Checking my account balance on the XXXX of the month it would appear I have no payment due. After missing a payment someone will get a notice of the balance due and probably get charged a late fee. This is especially difficult when multiple payments have been paid and no adjustments are available to the customer wanting to forecast their monthly budget. This practice in my opinion is very abusive and is intentionally to collect late charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 it came to my attention that my personal information was leaked in the XXXX, XXXX XXXX Breaches. I am a victim of identity theft. This message is in regards to the damage of my credit and several certified letters that was sent over to XXXX, Experian & XXXX. I have notified FTC and filed a complaint upon your company. I am sending this final message to make you aware of my actions on my litigation process upon a response with 3 business days of receiving this message and after my internal dispute on the fraudulent accounts and inquiries listed below. I am seeking {$10000.00} in damage due to my personal information being leaked by your companies in compromise causing fraudulent actions on my credit which is causing me all of sorts of distress, problems, and everything negative you can think of. Debt must be ratified with an actual original signature instrument including a wet signature which these accounts are 1. Fraudulent 2. Erroneous 3. Violated several FCRAs in sections 609, 623, 611, 612, 614, 619, and also violated the FDCPA. 

XXXX, XXXX, Experian Fraudulent Accounts : All XXXX XXXX XXXX XXXX All XXXX  XXXX XXXX, Fraudulent Inquiries : XXXX   XXXX, Us Dept of Education
Product: Credit reporting or other personal consumer reports

The account " Bank XXXX XXXX XXXX '' has been inaccurately reported by TransUnion with late payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These reports are incorrect, as this account has been consistently paid on time and should reflect a " paid as agreed '' status. This erroneous reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to maintain accurate and fair information under 15 USC 1681. TransUnion is required to conduct reasonable investigations to ensure the accuracy of consumer reports ; however, these inaccuracies persist. Additionally, 15 USC 1666B establishes protections against adverse reporting of payments in cases of errors or disputes, further highlighting TransUnion 's failure to comply with federal law. These reporting errors have severely damaged my credit profile, hindering my ability to secure a business loan and housing for my family. The continued reporting of these late payments has caused undue financial and emotional distress. I request immediate action to correct this account by removing the inaccurate late payment history and updating the account status to reflect " PAID AS AGREED. '' If this issue is not resolved promptly, I may be forced to escalate the matter through legal remedies.
Product: Debt collection

Zwicker & Associates, P.A. filed a lawsuit stating XXXX XXXX is the Plaintiff, with me being Defendant for a debt I do not owe. In XX/XX/2010 I paid XXXX in full, {$8000.00}, I have record from my credit union as well as a credit report with a reported XXXX  balance due. XXXX continued to report a balance and we disputed, then charging off/writing off their so called balance. This debt went to three other debt collection agencies and none of them could prove we owed debt either. Zwicker then purchased it.from one of the collection agencies. Many phone calls from this company that were threatening both to myself and my family. They then filed a lawsuit for a balance of {$1600.00}, we have asked numerous times for debt validation, explanation of why the balance is {$1600.00} and proof that XXXX still owns this debt after charging off on their books and writing off for profit and loss and receiving a tax break for it. Zwicker & Associates have been in direct violation of my rights both state and federal breaking numerous FDCPA laws with their bullying and unethical tactics.We are waiting for mediation in which Zwicke & Associates has cancelled twice, I'm assuming after reading my answer to suit which they wetre n't expecting.
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 15 USC 1681. 

XXXX XXXX : 1901, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : Subject : Dispute of Negative Credit Information Resulting from Equifax Data Breach I am writing to dispute inaccurate and negative information that has been reported on my credit report as a result of the data breach that Equifax suffered. As you are aware, the breach exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, driver 's license numbers. As a result of this breach, I believe that fraudulent activity may have affected my credit report and resulted in inaccurate reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe to be incorrect or the result of identity theft. According to Section 611 of the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to investigate disputes, and if any information is found to be inaccurate or unverifiable, it must be promptly corrected or removed from the credit report. 

Specifically, I am disputing the following items on my credit report : XXXX XXXX - Account number : XXXX XXXX XXXX  - Account Number : XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX I am requesting that these items be investigated and corrected or removed from my credit report. I believe they are the result of fraudulent activity and should not reflect negatively on my credit history. 

Please investigate this matter and provide a response within the 30-day period required under the FCRA. I also request that Equifax send me a copy of the corrected report once the investigation is complete, and that any corrections be communicated to other credit reporting agencies. 

In the meantime, I ask that a note be added to my file stating that this information is disputed and under investigation in compliance with Section 611 of the FCRA. 

Attached are copies of my identification, proof of address, and any supporting documentation related to this dispute. I appreciate your prompt attention to this matter and look forward to your timely resolution. 

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

Today I noticed I have had a recurring charge of {$19.00} each month on my credit card statement from Transunion since XX/XX/18. I did not request any services from transunion. The only email correspondence I have from them is from XX/XX/18 when I requested they unfreeze my account as I was shopping for a mortgage at the time. According to my transunion account online the charges were for account monitoring. I can only assume that they signed me up for this in the fine print of the contract for unfreezing my information. Today I called them to cancel and request a refund. First they tried to sell me the product I had already been paying for, then they told me I could only receive a refund for the latest charge. I asked for the manager who came on the line and without actually saying it told me the only way I could get the refund was to claim it was fraud. Which results in them locking out my information from anyone looking online. Doing that resulted in my getting a complete refund.
Product: Payday loan, title loan, or personal loan

on XX/XX/22 klarna took XXXX out of my XX/XX/XXXXaccount, which XX/XX/XXXX doesnt even have recollection of it so they are in fault also, klarna made a card forXX/XX/XXXX that XX/XX/XXXX never alllowed me to use, so i was told that the funds would be refunded to my account once the card closed but the funds never refunded backl to my account and I have screen shots to back every thing i said and now klarna ignores me and will not give me the money they owe me with that transaction also XXXX closed my account after i returned some items and blocked me for no apparant reason and klarna refuse to refund me the money owed form those 3 returned items... .please help me get my money bacck ... .screnshots are dealign with the XX/XX/XXXXtransaction they never allowed me to make 1st screenshot shows the XXXX leaving my account 2nd shows..the XXXX cardmade each has what each screenshot was for the last shows where money was supposed to return to my account but never did ... ..klarna owese me over {$300.00}
Product: Debt collection

there are debts on my report that have been on my credit report for twenty years. But they are not my debt. XXXX, XXXX, XXXX XXXX and other company popping up with different Social Security Number
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/2024 to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2024. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$4500.00} XXXX XXXX XXXX XXXX Balance {$3.00} XXXX XXXX  XXXX Balance {$140.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX BALANCE : {$1200.00} XXXX XXXX BALANCE : {$720.00} XXXX XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX  XXXX Balance {$77.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Friday, XX/XX/year>, I came to Bank of America, the XXXX XXXX requesting assistance with getting my pin reset for my ATM card. The credit solution advisor, XXXX XXXX took my ID and then said she could not verify my account with this information. She then proceeded to say she could not help me and took me to another banker XXXX XXXX who attempted to help me change the pin for the ATM. But when I also asked him about opening another premier account he stated that I had to make an appointment with another banker and proceeded to tell me that I needed to allow them authorization to look at my banking information. He requested that I provide open access to my account and check a box and press submit. I have been the subject of identity theft and am afraid of these types of encounters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Good afternoon, We're contacting you, in the hopes that you will assist us with our loan modification with Selene Mortgage. 

The core of our issue revolves around the fact that in 2017, we filed a Chapter XXXX bankruptcy and, as part of the settlement and trustee payments, they totaled in excess of 50 % of our monthly net income. This put us in a serious bind from the start. Not only that, but almost a year into making our payments, we learned that I was pregnant again.. the cost for doctor visits/prenatal care, kept mounting and eventually caused us to default on our bankruptcy payments. 

To make matters worse, my husband suffered a temporary job loss which backed us up even farther. Fortunately, our income issues have been resolved - both my husband and I are working and earning more than we were prior to 2017. 

We have been actively trying to resolve this issue with Selene, as the mortgage payment was removed from the bankruptcy settlement back in XXXX. We've been trying to resolve this, with no cooperation or assistance whatsoever from Selene. 

We've resubmitted a new loss mitigation package - that file was received on XX/XX/XXXX - and marked complete on XX/XX/XXXX. There is a sale date set for XX/XX/XXXX on our home and Selene has reminded us that they will not stop the sale, as they have a 37 day window that paperwork must be submitted by. 

Given that we weren't aware that they were filing a motion for sale and that's motions for sale are received, roughly, 30 days prior to the event - there's absolutely no way that we could logically have gotten the documentation to them in time.

We are asking that you step in and request that Selene postpone that sale, in order to properly and thoroughly review our situation for modification. XXXX and my husband are available anytime how to discuss this with you and our numbers are included in this complaint. Thank you so much for your help! 

XXXX and XXXX XXXX