23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : LVNV FUNDING LLC Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear LVNV FUNDING LLC and XXXX 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. 
Thank you for your prompt attention to th
Product: Credit card or prepaid card

I recently lost my job on XX/XX/22. The recommended credit card protection company failed to make monthly payments per the agreement and this has impacted my credit report negatively
Product: Debt collection

During the fall of 2019, I began receiving phone calls from XXXX XXXX XXXX, XXXX ( XXXX, XXXX ) attempting to collect a credit card debt previously held by Synchrony Bank. Initially believing this to be a legitimate debt owed, I spoke to a representative over the phone agreed to pay a settlement amount of {$1200.00} by XX/XX/2019. However, after checking my financial records, I realized that I had already settled this debt with the original creditor, Synchrony Bank, and the debt was paid in full. I received tax documents from Synchrony Bank and the discharged debt was listed as taxable income for the 2019 tax year. Despite this and despite the fact that I submitted records to confirm my payment to the original creditor ( settled with 3 monthly payments of {$540.00} paid XX/XX/XXXX-XX/XX/2019 ) as well as my 2019 tax documents, XXXX XXXX XXXX continues to report inaccurate information to credit reporting agencies, severely and adversely affecting my credit score.
Product: Credit card or prepaid card

I was double charged for a fee that cost {$25.00}. I was also charged XXXX {$10.00} fees for the duplicate transactions. The transaction was to pay my barber which I have done several times in the past and have never had an issue before or was I ever charged any fees. 

It seems as though the charge was not only a duplicate but it was also incorrectly categorized as a cash advance which it was not. I need XXXX of the duplicate charges reversed as well as the XXXX {$10.00} dollar fees reversed as well and credited to my account.
Product: Credit reporting

I am trying to get a VA loan but can not because of credit report issues. Issue is with where banks obtain their credit reports from. XXXX in particular that I am aware of Equifax Mortgage Solutions. The credit reports I receive do not show any balance, amount delinquent or duration as mentioned in the XXXX disclosures. The bank 's credit reports however do show outstanding and delinquent amounts. I am retired and my physical abilities are starting to diminish and need to find suitable housing for myself and my spouse.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an experience credit monitoring email and a XXXX XXXX  credit monitoring email that a change was made to my report. I was sitting at home, on a Saturday afternoon, watching tv. So I opened the emails and investigated what had changed to my credit report. Someone used my name, social security number and information to try and open a credit card by XXXX XXXX, address XXXX XXXX XXXX, XXXX, Ohio XXXX XXXX I researched the address and name and found out it was an XXXX credit card that someone tried to apply for. The change in my report was due to a hard inquiry which in turn dropped my score and the information provided by Experian stated the inquiry would remain on my credit file until XXXX of XXXX. I did not attempt to open this account and did not shop at XXXX online or in store on XX/XX/XXXX and would like this inquiry removed from my credit. I have opened a fraud alert across all of my credit accounts and require to see an ID when anyone performs a credit check on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i called the company and explained that i have called each company on that took a hard pull on credit report and explained the ones that ones that did not belong to me and was fraudulent. i did open a dispute and got a list of Hard Pulls and their response was XXXX XXXX is part of credit file i guess that means they never wasted any time looking into it. at the top it said delete, resolved, removed, none of them. i have filed three times and only got one letter from them and that what i got. the accounts fraudulent and the no it because i called the company 's. Important Messages Medical Information By law, we can not disclose certain medical information ( relating to physical, mental, or behavioral health or condition ). Although we do not generally collect such information, it could appear in the name of a data furnisher ( i.e., " XXXX XXXX '' ) that reports your payment history to us. If so, those names display on your report, but on reports to others they display only as " MEDICAL PAYMENT DATA. '' Consumer statements included on your report at your request that contain medical information are disclosed to others. 
Public Records Information If your report contains public records, the Public Records section includes items from courts that XXXX  may have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX You may contact them at XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX , GA XXXX, or visit https : //experianconsumers.XXXX ( https : //experianconsumers.XXXX  ) .and i called and they did share my information with third party and they share with others.
Product: Debt collection

I wish I could select more than one option. because this company has done so much! Alright so back in XXXX I started receiving calls that I owed money to a XXXX XXXX XXXX XXXX XXXX I ended up paying this one company as they absolutely scared me. they told me they were going to garnish wages, take my car, take me to court etc. I paid the debt and for a while the calls went away. Then about a year later I started receiving them again. This time from a different company. Same scare tactics. I finally called the school I attended because they kept saying XXXX XXXX and I attended XXXX XXXX, so I knew something was off. I did owe the college money, but the amounts were different, and a lot more than I knew I owed with each company. XXXX stated that this was definitely a scam as the amount I owed was way less and they ended up just waiving it as I had already been scammed once before. I reported this company and the calls stopped. Now I am getting the calls again and it is from ANOTHER company. They have called me back-to-back multiple times a week for over a year. They have called my husband and an old roommate. This company have given out the last 4 of my social to these individuals which is a huge breach of privacy. My husband does not know my social.  They have also threatened to take me to court, garnish wages, & repossess a vehicle I no longer own. The same scare tactic as the last 3 companies. I have no problem paying if I could get a legitimate bill, but I have never received one nor is this reporting to my credit to show legitimacy. The calls are coming from XXXX. They leave voicemails every time and the call back number is XXXX. Every person that calls is different, but they are calling from a WAKEFIELD & ASSOCIATES. The calls started XXXX.
i have gotten calls:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
every date they have also called my husband and old roommate. I am ready to take legal action as I want it to stop but I don't know where to begin. I'm exhausted and I'm tired of feeling scared. At this point it is harassment as I have asked to have a bill sent and never receive. they have cussed me, threatened me, you name it. Please help make this harassment stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
XXXX XXXX Balance {$1100.00} XXXX/XXXX Balance {$4500.00} XXXX XXXX Balance {$2000.00} XXXX ( Original Creditor XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1300.00} XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) Balance {$230.00} ( Original Creditor : XXXX XXXX ) Balance {$1100.00} ( Original Creditor : XXXX XXXX ) Balance {$10000.00} XXXX XXXX XXXX Balance {$34000.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment was made on time, which falls within the 15-day grace period provided by XXXX As such, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Despite making the payment on time, it was incorrectly recorded as late due to a clerical error on the creditors side. This error led to an inaccurate 30-day late report to the credit bureaus. 
Evidence Provided : I have attached bank statements and payment confirmations showing that the payment was made on time, clearly indicating that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

The Professional Placement Services sent me a notice via U.S. Mail about delinquent medical debt in the amount of {$54.00}.

I requested from the above collection agency to validate this alleged debt and provide me with a proof pursuant to 15 USC 1692 Sec. 809 ( b ) of the FDCPA.

The company provided me with a " proof '' of debt by creating their own statement dated XX/XX/XXXX. Upon review their statement, I found this debt is not owed by me to the former creditor XXXX XXXX XXXX. Back in XXXX of XXXX, I applied directly with creditor for financial assistance due to my financial hardship situation and the creditor applied a credit to my account. I have not heard from any other collection agency that I owed a debt to the creditor since XXXX of XXXX. 
Debt collector did not comply with Federal Debt Credit Practices Act and upon review their statement, I requested from them to send original statement from creditor showing that I owe this debt or any agreement that bears the signature of the alleged debtor and verification that this debt was assigned or sold to them, agreement with creditor that grants them the authority to collect on this alleged debt. I sent second request to them to revalidate a debt. Instead debt collector reported derogatory information to major credit reporting agencies XXXX, XXXX, and XXXX XXXX. I have been trying to dispute the reported negative information with each credit bureau Debt Collector violated FDCPA and responded to credit reporting agency that debt is valid and disputed by consumer I will now need to bring the above dispute to my state Attorney General and the company will not comply with the Federal Credit Act
Product: Credit reporting or other personal consumer reports

I have no idea why these are reporting on my credit file please remove inaccurate information or face fines XXXX is already liable to pay over XXXX XXXX dollars because of fraud and inaccurate information.
Product: Debt collection

I c system XXXX XXXX XXXX XXXX XXXX, Mn XXXX To whom it may concern You have this account listen as an open account in the amount of {$790.00}. The original company has also sold this debit to your company with my personal information with out my consent. That is not under the FCRA compliance. This information that you are reporting Is inaccurate and needs to be removed immediately. Please send me a copy of my credit report when this issue has been removed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX 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. 

Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Checking or savings account

Hi; I opened a dispute with my bank trough CFPB under this claim number : XXXX They respond that will open the dispute and give a temporary credit, until now I dont have that temporary credit and also I dont have any letter from the bank of the status of the claim. 
Attached goes the letter from the bank of the original claim.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, resided at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with Social Security Number XXXX and born on XX/XX/1991, who received your responses and Im the one who submitted a complaint last XX/XX/XXXX, XXXX discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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

I pulled my credit reports on XXXX from XXXX, XXXX, and Experian. 

On the XXXX report my name is correct but the XXXX AKA 's are not ; on the addresses, the current address is mailable but the other XXXX are non-mailable addresses ; the only phone number that is currently in use is the first XXXX, the other XXXX do not belong to me. 

On the XXXX report my name is incorrect with various errors, XXXX of the XXXX formerly known as, is the correct name ; the current address is mailable but the other XXXX are non-mailable addresses. 

On the Experian report there are XXXX names with only XXXX being the correct one ; XXXX address is mailable and the other XXXX are non-mailable addresses ; The residential phone number is the only one that is correct, but classified incorrectly as it is my mobile number, the other XXXX do not belong to me.
Product: Debt collection

Portfolio Recovery Associates, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX, USA XXXX ( XXXX ) XXXX continues to call me for some unknown reason looking for XXXX XXXX although I 've told them a XXXX times I do n't know any XXXX XXXX and I 've asked them to stop calling me - Best I can tell their running some kind of illegal operation and may be involved in some other type of federal crime and should be investigated to the fullest extent of the law - The number their calling me from now is XXXX XXXX XXXX and their a lying XXXX if their feed you any more XXXX about not contacting this number.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns Regarding Zelle the CFPB indicates that Zelle has not only neglected to protect their customers but also allowed scammers to exploit the system.
Product: Credit reporting or other personal consumer reports

tMy name is XXXX XXXX XXXX and I AM A VICTIM OF IDENTITY THEFT. These fraudulent names, inquiries, and address, addresses, and names listed below are NOT MINES AND ARE FRAUDULENT. I am providing proof of identity. Proof of SSN and proof of address. There is nothing else i need to provide. PLEASE NOTE the FEDERAL TRADE COMMISSION has been notified about this situation. THIS IS A LEGITIMATE DISPUTE and I AM HOPING YOU CAN RESOLVE THIS MATTER AS I AM SUFFERING PUNITIVE DAMAGES from these FRAUDULENT INQUIRIE, NAMES, AND, ADDRESSES, listed below and on the FTC REPORT. I have accompanied with this dispute letter ID # XXXX. PLEASE HAVE SOME URGENCY ON THIS MATTER as I continue to SUFFER PUNITIVE DEMAGES.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I received a Money request for XXXX to my venmo account.The message read " At the store i left my wallet at home I'll send it back as soon as i get home " The profile showed My sisters name and photo it was listed as payment between friends. I sent the money thinking it was my sister need groceries. 30 minutes later My sister arrived to my house showing me a post on XXXX. The post showed this same message going around town. Fake profiles of family or loved ones asking for money thru Venmo. I called the bank right away to dispute they advised do to Venmos terms of use they could not assist me with returning the money. Photos will show the fraudster is listed as a friend of mine. They are not on my friends list of contacts this is a Venmo error and should hold them selfs and scammers accountable.
Product: Debt collection

I'm in the process of cleaning my credit report and noticed debts I was not aware of and may violate HIPAA laws. 

I have health insurance and now I have charges against me regarding a XXXX XXXX 

I've sent multiple disputes that were denied and I've never received bills prior to the attack against my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair reporting act XXXX  reference # XXXX, XXXX XXXX XXXX XXXX, reference # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. 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