23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Subject : Dispute of Identity Theft and Request for Removal of Fraudulent Accounts I am writing to bring to your attention a case of identity theft that has resulted in fraudulent accounts appearing on my credit report maintained by your bureau. As a victim of this crime, I kindly request your immediate assistance in investigating and removing the following unauthorized and inaccurate items from my credit report, in accordance with the provisions of the Fair Credit Reporting Act ( 15 U.S. Code 1681c-2 ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681b ) : Account Name : ONLINE INFORMATION SERVI Account Number : XXXX Amount : {$540.00} Inaccuracy : This account is not mine, and it has been opened fraudulently using my personal information without my knowledge or consent. I request that you take immediate action to remove this account from my credit report and provide me with any information you may uncover regarding the perpetrator.

Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Amount : {$5300.00} Inaccuracy : I have never had any dealings with this creditor, and the existence of this account is a result of identity theft. I ask that you thoroughly investigate and remove this fraudulent account from my credit report, along with any associated negative information. 

Account Name : U.S. DEPARTMENT OF EDUCATION Account Number : XXXX Amount : {$4200.00} Inaccuracy : This account was opened fraudulently in my name, and I have never been a customer of the mentioned creditor. I urge you to take immediate action to remove this fraudulent account from my credit report and initiate an investigation into the unauthorized use of my personal information. 

In support of my dispute, I have enclosed copies of the identity theft report I filed with the relevant authorities, as well as any additional documentation substantiating my claim. I request that you conduct a comprehensive investigation into these matters and provide me with a written response within the timeframe stipulated by law. 

As mandated by the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I expect you to promptly contact the respective creditors and verify the fraudulent information. It is imperative that you take all necessary steps to ensure the complete removal of these fraudulent accounts from my credit report, as they are tarnishing my creditworthiness and causing significant distress. 

Moreover, I urge you to implement appropriate security measures to prevent the re-reporting of these fraudulent accounts to any third parties, as this could perpetuate the harm caused by the identity theft. I request that you keep me informed in writing of the actions you have taken to address this matter. 

I appreciate your immediate attention to this dispute and your commitment to upholding consumer rights. I trust that you will handle this case with the utmost professionalism and in strict compliance with applicable laws. I look forward to receiving your written response within the statutory timeframe of 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Motor Acceptance XXXX XXXX XXXX XXXX TX XXXX Im writing to dispute a fallowing information on my credit report. It shows as XXXX report : thats {$220.00} past due from XX/XX/XXXX Owed to Nissan Motor. 
My account was closed and paid in full in XXXX when I finished paying my car payment for XXXX XXXX XXXX XXXX. After my last payment I got issued the tittle for the vehicle.

There was no further communication with the Nissan Motor nor did I receive any past due bill.

When I contact Nissan I was devised to contact cfpb and report and dispute the charge.
Product: Mortgage

I was a victim of hurricane Irma. I called after the hurricane to get an extension on my loan. I talked to a XXXX in XX/XX/XXXX. She and I filled out all the questions and I was told there would be no problem and that she would be sending me paperwork to sign and send back agreeing to the extension. The extension was for the months of XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I was to start payments again on XX/XX/XXXX. I was contacted again in XX/XX/XXXX about my payment. I went through the process all over again with the extension. This gentleman was very nice and apologized for it not going through the first time and did not have a reason why it didnt. Again I was told the paperwork would be sent out and just to sign it and return it. I was then contacted in XX/XX/XXXX from a XXXX which was very rude and said that I was in default and I owed over {$1000.00}. I told him I did the extension and he said that i never returned the paperwork but I told him I never received any paperwork. He at that time told me that I should have called to see where the paperwork was. He also said i only had 30 days to sign and return the paperwork, which i was never told that by the other 2 people at any time that I can remember. I did send my XX/XX/XXXX payment in and also XX/XX/XXXX payment in on time. After doing the extension for the third time with XXXX the paperwork was mailed out on XX/XX/XXXX and was received by me on XX/XX/XXXX. I did call XXXX back before this because i had not received it and he faxed the paperwork to me, I picked it up, signed it and sent it next day mail on XX/XX/XXXX and was told it would be delivered by XX/XX/XXXX by noon that day. They are still telling me I owe them {$600.00} by XX/XX/XXXX which I disagree with but was told thats the only way to get it out of default. I have called twice and have asked them for my loan payoff and was told that they couldnt generate it at that time and would email it to me within 7 to 10 business days. I called back a week later and was told they would have to put in a written request for my payoff amount because it would have to be hand figured out. 

This has also affected my credit score. 

I want my payoff and I dont believe it takes 7 to 10 days for it. 
I kept up my part of the agreement that I would start my monthly payments again on XX/XX/XXXX and was not late on any payments. 

This has been going on for 19 days now.
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 XXXX XXXX XXXX, XXXX XXXX, CA 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 : XXXXConduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
XXXXUpdate my credit profile to reflect the correct information as listed above. 
XXXXProvide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 


XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Debt collection

On XXXX XXXX it currently shows that I owe a balance of {$1900.00} to Southwest Credit Systems who is trying to collect a debt on the behalf of 11 XXXX XXXX. I have no knowledge of the company or the original creditor. I currently have a prepaid phone plan. My identity has been stolen please help. This account was opened XX/XX/2020 according to XXXX XXXX.
Product: Debt collection

It is with great frustration and bewilderment that I address the handling of this issue by your bureau. The account in question is with XXXX XXXX XXXX XXXX, bearing the account number XXXX and an open date of XXXX XXXX XXXX Astonishingly, despite being the victim of identity theft, and despite the corrective actions taken by other credit bureaus, your bureau continues to report this account incorrectly. I must emphasize that the other major credit bureaus, have promptly acknowledged and rectified the inaccuracies related to this account. However, I am deeply puzzled and annoyed by the persistent reporting errors on your end. I want to make it explicitly clear that your bureau lacks sufficient information to verify the accuracy of the XXXX XXXX XXXX XXXX  account. As such, continuing to report this account without validation is not only erroneous but also a violation of my rights as a consumer. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Debt collection

LVNV Funding LLC as assignee of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Debt Validation Request - XXXX : ( LVNV Funding LLC ) Dear LVNV Funding LLC, This letter is to formally dispute the alleged debt you are attempting to collect, purportedly purchased from XXXX XXXX . I am requesting full validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. 

I am aware that you have acquired this alleged debt from XXXX XXXX However, I have no contractual agreement, either verbal or written, with LVNV Funding LLC. Therefore, I consider this debt to be null and void. 

Pursuant to 15 U.S.C. 1692g, I am requesting the following documentation to validate this alleged debt : A complete and detailed payment history for this account. This must include all payments, credits, and debits from the original date of the account 's inception with XXXX XXXX 
A copy of the original signed contract bearing my signature that I allegedly entered into with XXXX XXXX  This is necessary to verify the legitimacy of the debt and my agreement to its terms. 
Confirmation of whether any insurance claims have been filed or paid regarding this debt. If such claims exist, please provide documentation. 
A complete chain of title demonstrating your legal right to collect on this debt. This must include documentation showing the transfer of the debt from XXXX XXXX to LVNV Funding LLC. 
In addition to the debt validation requests outlined above, I demand that LVNV Funding LLC immediately cease reporting this account to all credit reporting agencies. Furthermore, should you be unable to validate this debt as requested, I demand that you immediately notify all credit reporting agencies to which you have reported this account and request that they delete all information related to this account from my credit reports. 

Please be advised that under 15 U.S.C. 1692g, if you fail to provide the requested validation within 30 days of receipt of this letter, you must cease all collection activities. Furthermore, the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

Additionally, pursuant to 15 U.S.C. 1692c, this letter serves as formal notification that I refuse to pay this alleged debt and demand that you cease all further communication with me regarding this matter. 

Please provide all requested documentation to the address listed above. 

I expect your prompt attention to this matter.
Product: Debt collection

This company mailed a letter about a collection for XXXX, dated XXXX/XXXX/XXXX, for {$100.00}. 
It states " ... if this account is not paid within 30 days from the date of this letter our client has instructed us to review the account and make a recommendation as to further collection action that needs to be taken. '' It does not state there are 30 days to dispute the validity. 
I have not responded.
Product: Student loan

MOHELA 's website indicated that my account was due to to recertify my income for my income driven repayment plan, PAYE. On their website, they listed XXXX dates : XX/XX/XXXX and XX/XX/XXXX. MOHELA 's website directs clients to recertify at XXXX. 

When I logged into studentaid.gov, I chatted with XXXX, the chatbot for the website who stated that " the earliest you could be required to recertify is XX/XX/XXXX. Any date listed between now and XXXX first will get pushed out by a year. '' When I checked my IDR anniversary date on the StudentAid website, It lists XX/XX/XXXX. 

Based on this information, I was made to believe that my income recertification would be pushed back by a year ( XX/XX/XXXX falls before XX/XX/XXXX ) to XX/XX/XXXX and so did not recertify. When I went to check this date on the Mohela website, it now says that I am past due to recertify, my loans will capitalize, and I may be removed from the PSLF qualifying PAYE plan. 

I called Mohela on XXXX and received a callback from a supervisor on XXXX to ask what happened, and they stated that the " hard date '' to recertify is actually XX/XX/XXXX as this is when my next payment would be due. When I informed them that all client facing dates provided would have fallen within the window on studentaid.gov and could they provide documentation or direct me to the area on the website that listed XX/XX/XXXX as the deadline, they could not do this. 

Mohela 's refusal to honor the studentaid.gov website of pushing back my IDR date will cause significant financial hardship. Having to recertify now ( vs 1 year from now ) will cause my monthly payment to increase by {$1100.00} and cost me over {$13000.00} over the next year. Any payment plan that would result in a lower payment would not qualify for the Public Service Loan Forgiveness program.

The fact that Mohela is using dates to decline clients from qualifying for the push back of income recertification discussed on the studentaid.gov website that are not CLIENT FACING and that they CAN NOT VERIFY online or in writing is fraudulent and misleading. This seems to be in violation of the Unfair Deceptive or Abusive Acts and Practice Law.

I have filed a complaint with MOHELA, StudentAid.gov, and now the CFPB regarding this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX  
TO WHOM IT MAY CONCERN
I recently received a copy of my XXXX credit report, 
and I noticed a late payment  posted on my credit report for the company below:
XXXX XXXX  ACCOUNT NUMBER XXXX-XXXX
LATE PAYMENT DATE XXXX  
Your company is in clear violation of the law. Under 15 USC 1681b- Permissible 
purpose of consumer reports. The LAW CLEARLY STATES:
(A) In general
Subject to subsection (c) Any consumer reporting agency may furnish a 
consumer report under the following circumstances and no other:
(2) In accordance with the written instructions of the consumer to whom it 
relates.
I did not give any written or verbal consent to furnish this information on my report.
Furthermore, the fair credit reporting act 15 USC 1681 (2) (a) (i) exclusion from a 
consumer credit report clearly states
(A) EXCLUSIONS- Except as provided in a paragraph (3), the term consumer 
report does not include - 
(A) Subject to section 1681s-3 of this title, any - 
(I) Report containing information solely as to transactions or experiences 
between the consumer and the person making the report:
Reverse the above late payments from my consumer report, this agency is in 
violation of 15 USC section 1681
Failure to respond satisfactory with reversing of the above referenced account, 
and send out a free copy of my report after the changes have been made will 
result in legal actions being taken against your company, for which I will also be 
seeking $1,000 per violation for:
1. Defamation of character (per se)
2. Negligent Enablement of Identity Fraud
3. Fair Debt Collections Practices Act 15 USC S 1692g violations
4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliances616 Civil liability for willful noncompliance [15 USC S1681n]
Best Regards,

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, Im writing to inform you of my rights. 

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 XXXX : Account # XXXX, has violated my rights. 
XXXX5 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 an 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. 

This inaccurate information is hindering me from buying my family a home, getting approved for credit cards, and to buy a new car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an over 30 day late on my XXXX XXXX home mortgage account. I spoke to XXXX XXXX directly and they confirmed that I do not have a 30 day late. The representative provided a transaction history to send to the credit bureaus so that I can dispute. I have since sent the dispute to XXXX, XXXX XXXX and Equifax. They still have not changed any of the reporting and continue to verify as accurate even though I have proof that is not the case. This is severely interrupting my livelihood due to an accurate credit reporting. Payment history provided by XXXX XXXX is attached.
Product: Credit card or prepaid card

Neiman Marcus is partnered for a credit card with Cap 1.

For ALL cardholders ( even those is great standing ) that hadn't used their Neiman Marcus card for 2 years, Cap 1 automatically lowered the NM credit card limit to {$500.00}. 

There was no letter or communication sent to cardholders warning this would happen if they did not utilize the NM card. 
Neiman Marcus customer service told me 2 times on 2 calls they
could do nothing about this - it was done by Cap 1.

I called Cap 1 and they said it was NM that did it.

Bottom line - this hits our credit reports as a decrease in spending limit and thereby lowers our credit score - because now our overall debt to overall credit limit ratio looks worse. 

My overall unused credit limit reflected on my credit reports is now {$12000.00} less - that was a huge % decrease and negatively impacted my credit report score.
Product: Credit reporting or other personal consumer reports

LexisNexis continues to report incorrect information. Under federal law data furnishers are required to report 100 % accuracy. To clear up any confusion my name is XXXX XXXX there should be no other names or name variations listed or this would be concerned identity theft because I am not known by any other names. My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX any other address is incorrect. For your convenience I have attached my identification and proof of my residence so beforehand sending a stall letter will further escalate this situation.
Product: Debt collection

I do not recall having debt of {$59.00} with XXXXXXXX XXXX XXXX XXXX.This must be incorrect. How am i supposed to read books and do my homework, candle sticks?
Product: Credit card or prepaid card

I reported fraudulent charges made to my account. My original card was damaged and asked for a replacement card. I never received the replacement card, and from what the creditor told me, the cards ship in the mail already activated. Someone used my card multiple times in XXXX & XXXX. I reported this late XXXX and talked with the creditor in XXXX regarding the charges. They removed them but I received a letter on XX/XX/XXXX stating that there wasn't enough evidence of fraud and they put the charges back. I've tried numerous times to reach the investigator and she will not return my calls and no one else will help with the claim. 

XX/XX/XXXX {$1100.00} XX/XX/XXXX {$590.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$440.00} XX/XX/XXXX {$700.00} XX/XX/XXXX {$78.00} XXXX XXXX {$47.00} XXXX XXXX {$210.00} XXXX XXXX {$180.00}
Product: Debt collection

I received a letter stating that I owed XXXX from AFNI XXXX XXXX XXXX XXXX XXXX IL XXXX I disputed this and asked for verification of this debt. I received a letter stating they have verified this debt. However, they did not provide any back up of this alleged debt. 
Can you please request verification and if it can't be verified. Please have them remove this from all credit bureaus and please send a letter this has been done. 

PS. I have XXXX now for service. If I owed this debt they would not have given me service. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX  hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX  hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them XXXX XXXX  hard inquiry i did not authorize contacted company and got nowhere with them XXXX XXXX i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XX/XX/XXXX hard iquiry i did not authorize contacted company and got nowhere with them XXXX XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX bank i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX  i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them
Product: Debt collection

I have received over 10 calls/messages from United Consumers for a debt belonging to XXXX XXXX XXXX. When I called to inform United Consumers to report that this debt is not mine, I was told that the phone number is linked to the original account. That is impossible since I never received calls for the original account, and the other individual would not have provided my home telephone number. I suspect that Universal Consumers is trying to call people in the phone book to collect this debt without any good faith basis that the debt actually belongs to the individual called.
Product: Credit reporting or other personal consumer reports

Could you please delete these inquiries? I am unaware of this, and the company acted without my permission.