23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Validation of Debt Dear, LVNV Funding LLC I am writing in response to your recent communication regarding an alleged debt. As I am currently unaware of this particular debt, I would like to request validation in accordance with 15 USC 1692g, which requires you to provide specific information about the debt.

Please send me written verification of the debt, including the following : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement that confirms I can dispute the validity of the debt within thirty days of receipt of your notice.

4. A verification or copy of the judgment against me, if applicable.

5. The name and address of the original creditor, if different from the current creditor.

Additionally, if you believe you provided me with proper notification, please send me a certified receipt with my name and signature.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

I am being harassed by this company after the case was dismissed in court since XX/XX/2022. I've contacted one of their attorneys XXXX XXXX at XXXX and they are still sending my information to all credit reporting services saying that the case is still open. I have the dismissal letter from the court. 

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

The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late/Open XXXX XXXX XXXXXXXX Balance {$360.00} XXXX XXXXXXXX XXXX Balance {$7.00} XXXX XXXX  XXXX Balance {$12.00} ND XXXX OF XXXX XXXX XXXX {$1500.00} Late/Closed XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} ChargeOff XXXX XXXX Balance {$1200.00} Collection XXXX  XXXX Balance {$310.00} XXXX XXXX Balance {$4100.00} XXXX XXXX XXXXXXXX XXXX Balance {$43.00}
Product: Debt collection

CBE Group called on XX/XX/XXXX XX/XX/XXXX to one of our cell numbers looking for a relative this not her number and never has been. They claimed this number was listed as her contact number. They called our other cell number the previous week claiming the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sold a home last year.Paid remainder of motgage loan off in full.They in return sent to 3 credit bureaus saying it was 60 days late.My credit was ruined for about 6 months.The result. I was forced to stop looking at homes and have been in apartment for a year with my house full of furniture in storage because of it for a year.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history.Update the account/s below : LOANCARE XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to dispute inaccuracy reporting on my XXXX credit report without success! This account in question ending in XXXX with Barclay bank has already been successfully removed from XXXX, XXXX and XXXX credit reports! I have the right for 100 % accuracy on ALL major credit bureaus. My last payment reported is XX/XX/year> which means I have legally past the 7 year statue of limitation and this account must be removed from XXXX credit report as other credit reports have already removed this account!
Product: Checking or savings account

Wells Fargo account no. XXXX was established in XX/XX/2021 and during its initial months of XXXX and XX/XX/2021 incurred no monthly service fee. Now, a monthly service fee of {$10.00} was assessed in both XXXX and XX/XX/2021. 

Surprising that the bank is able to impose discretionary fees on its customers after the fact. Given the banks own financial performance, less surprising is the fact that they elect to do so,
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has the same address on file for both my account AND my online account profile. I have informed them that my credit report has not been refreshed since XXXX of this year, even though I should get an updated credit report from them every twenty four hours. They apparently dont listen to me are just ignoring me. I need this issue to be resolved ASAP. And please refresh/update my credit report please, as it wont allow me to do this online. Thanks.
Product: Payday loan, title loan, or personal loan

Someone is calling me to a store to come in. Even with all my information I was denied.
Product: Debt collection

XXXX XXXX, XXXX tried to scam me into paying a debt allegedly from XXXX, which I do n't have and offered me to settle by paying 20 % of the outstanding amount.
Product: Mortgage

XX/XX/2020 we contacted rocket mortgage to help us with getting a mortgage to buy a home. on XX/XX/2020 the day of our close rocket mortgage sent us an email that the application was in suspension too long and we had to start over. We suppled everything that was ever asked of us as soon as it was requested. We are now going to lose our dream home because of rocket mortgage handling of our mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my XXXX profile that I dont recognize or authorize and trying to get them removed per the Fair Credit Report Act. Ive called the credit bureau and was told to submit a report here. Here are a list of accounts and dates these inquiries were reported on my profile XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Bank of XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX I also have a fraud alert on my credit profile as well
Product: Debt collection

I was contacted by telephone by someone from Valor Intelligence Processing. They spoofed a XXXX, WA area phone number but when speaking to the first representative, she told me that she was located in Florida. All I was ever told by all the different representatives was that it was regarding a " personal business matter ''. They tried to force me to verify personal information without stating that it was an attempt to collect on a debt. I've received no written communication prior to the phone call. When trying to get them to say what debt it was regarding, they repeatedly stated that they had to verify all personal information first and that it was against the law for them to say what debt or anything beyond " personal business matter '' until things were verified. When asked to speak to someone above a supervisor, the supervisor clearly stated that they were well versed in all of the federal laws and that none of them said that they had to send written communication first, clearly say that the call was an attempt to collect a debt or anything. I was looking at the laws while this individual was making such claims. This is a predatory business that lies and fails to follow the law to get people to verify information before telling them anything they have to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent certified letters to XXXX, Experian and XXXX about an incorrect and fraudulent account showing on my credit report. I also sent a request to XXXX which is the company reporting the inaccurate information with no response from either. I asked XXXX and other two agencies to verify that they had the right person and or correct account. I haven't heard anything from XXXX or any of the bureaus. XXXX has not verified any information either. I sent this request also in XX/XX/XXXX again in XXXX and just recently XX/XX/XXXX. Some my return cards that they received never even came back to me. I was able to verify online they did in fact. received. I do have all my initial receipts.
Product: Payday loan, title loan, or personal loan

I purchased furniture and used this company to finance. I went back and forth with the furniture store and the finance company because I received broken furniture and missing parts to a table I purchased. I was under the assumption this was fixed and now its showing up on my credit report. This isnt fair at all. Why would I pay for broken furniture or things that are missing parts?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquires were made without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX    XXXX   XXXX   XXXX   i have called varies times sinc e 2015 i have sent letters and they will say i will get imformation on mail two years now im still waiting for an answer. never give then my authorization or consent to checck or a pply for mortgage on my behalf. this credit inquiry is damaging my credit rating. please have them provide full documentation regarding the circunstances surrounding your review of my credit report, pursuant to the permissible purpose provisions of the fair credit reporting act. also since i did not ask them to do such thing and i been waiting all this time i demand for them to remove it the offending inquiry at once.   XXXX  thanks for your assistance  XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 or other personal consumer reports

I recently pulled my credit file and noticed a XXXX late that does not belong on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX US BANK CONSOLIDATED accessed my credit file with XXXX  without my permission. This is a fraudulent inquiry, which I did not authorize, since I never authorized anyone employed by US BANK, OR ANY OTHER COMPANY including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX  did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.
Product: Credit reporting or other personal consumer reports

Hard inquires : 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, personal credit card account opened at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, Personal Credit card account opened at XXXXXXXX XXXX XXXX  opened XXXX XX/XX/XXXX under account number XXXX, Personal credit card opens at XXXX XXXX XXXX opened XXXX XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan opened at XXXXXXXX XXXX XXXX opened XXXX XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX opened on XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX, personal loan account opened at XXXX XXXX opened on XX/XX/XXXX account number XXXX, and a personal loan opened at XXXXXXXX XXXX  opened on XX/XX/XXXX under account number XXXX. These hard inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered incorrect accounts on my credit report tonight and I'm puzzled as to why they're there. I reviewed my credit report as usual, but this time there were unexpected discrepancies. I refreshed my browser to see if it was a glitch, but the errors remained. Due to this problem, I request a thorough review of the documents I've sent so I can be assured this issue won't happen again.
Product: Credit reporting or other personal consumer reports

ATTN : State Board of Education Members Chair, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX NOTICE! of inaccurate unverified and fraudulent reporting resulting in great pain and suffering for the last XXXX years due to fiduciary irresponsibleness Regarding all claims/inquiries/ on my credit report I request a copy of a 1099C regarding these inaccurate debts The Department of Education is reporting on my credit report I have the right to report The Department to the IRS and to sue for fraud and damages The Department of Education has been non compliant and unresponsive to my many attempts to resolve these inaccurate reportings and mulitple FDCPA violations. 
Pursuant HJR 192 of 1933 " The Department of Education '' XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX Website http : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX Website https : XXXX U.S. Department of Education XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am receiving a debt from State Collection Service, Inc ( debt collector ) on behalf of XXXX XXXX XXXX. My mom was in one of their facilities in XXXX, NC ( XXXX ) and died on XX/XX/2023. Her rent was paid in full and she had no outstanding balances when she died. They turned this bill over to collections saying i owe the {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many erroneous and unverified items on my credit reports with Equifax, XXXX, and XXXX. I have sent multiple letters asking for the items to be either verified or removed, and the items have not been verified, but have also not been removed.
Product: Checking or savings account

I am contacting Federal Reserve consumer ( consumer financial protection bureau ) regarding this branch and XXXX XXXX. 
This guy working at US Bank XXXX XXXX XXXX. XXXX CA XXXX doing some shady stuff. 
XXXX XXXX is withholding my father money. he put the block and my father for the past months cant access his account and money. 
I have been calling the main office and corporate office and no body take care of the issue. This guy XXXX XXXX is controlling the whole entire bank system. 
He XXXX XXXX could be stealing and touching peoples account and money without permission and there is no one above him to supervise his misconduct. 
My father had XXXX and XXXX attach past few months and he knows that my father is an elderly. 
I will report XXXX XXXX also to adult protective services for elderly abuse as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed NORDSTROM XXXX tradeline Account # XXXX XXXX .... as inaccurate XXXX XXXX, XXXX, with XXXX, XXXX, and XXXX. A direct dispute with NORDSTROM on XXXX XXXX, XXXX. There are errors before the dispute and after the dispute. There was no investigation done on Nordstrom tradeline. 

The disputed credit reports are as follow : credit report XXXX XXXX, XXXX, XXXX, credit report XXXX XXXX, XXXX, XXXX and credit report XXXX XXXX, XXXX, XXXX. and Dispute letter where mailed out and delivered in XXXX XXXX. 

XXXX Response was ( Outcome : Remains - The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details ) and XXXX response was ( Information Updated ).  XXXX response was ( We 're writing to let you know that after careful research, we 've confirmed that we 're accurately reporting your account to the following credit reporting agencies : XXXX, XXXX, and XXXX. ) The list of errors : DATE UPDATED OR VERIFIED DISPUTED credit report XXXX XXXX, XXXX, XXXX ( Items as of Date Report : XXXX XXXX, XXXX XXXX credit report XXXX XXXX, XXXX, XXXX ( Date of Status : XXXX XXXX ) credit report XXXX XXXX, XXXX, XXXX ( Date updated : XXXX XXXX, XXXX ). 

DATE UPDATED OR VERIFIED AFTER DISPUTE credit report XXXX XXXX, XXXX, XXXX ( Date of Status : XXXX XXXX XXXX credit report XXXX XXXX, XXXX, XXXX  ( Date updated : XXXX XXXX, XXXX ) There was no investigation done on credit reports from XXXX, XXXX or Nordstrom. 

I made my last payment on XXXX XXXX, XXXX DATE OF LAST ACTIVITY/CHARGE OFF DATE DISPUTED credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX XXXX Date XXXX/XXXX/XXXX ) credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX XXXX Date XXXX ) credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX/XXXX/XXXX XXXX date XXXX/XXXX/XXXX ). 

DATE OF LAST ACTIVITY/CHARGE OFF DATE AFTER DISPUTE credit report XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Charge-off Date XXXX ) credit report XXXX XXXX, XXXX, XXXX ( XXXX XXXX/XXXX/XXXX XXXX Date XXXX/XXXX/XXXX ). 

There is re-aging with XXXX, all three reports are inconsistent and the date of last payment an all three are incorrect. The charge-off date on all three are incorrect last payment XXXX, so charge-off date I believe should be XXXX. 

INCORRECT BALANCES Because the information such as charge-off date, Date of last activity is incorrect the balance is also incorrect. 

OTHER ERRORS credit report XXXX XXXX, XXXX, XXXX ( Date XXXX XXXX. XXXX Rpt incorrect ) credit report XXXX XXXX, XXXX, XXXX ( XXXX incorrect ) credit report XXXX XXXX, XXXX, XXXX ( Two maximum delinquency of 120 days in XXXX and XXXX ). 
XXXX, XXXX, and XXXX XXXX past-due amount should be {$0.00} the account was sold or transferred to XXXX XXXX XXXX XXXX.
Product: Debt collection

XX/XX/2021 Midland Credit Management says I owe them false debt. That keeps being mailed to me. Also I'm having harrassing phone calls. I do not owe this debt because I never did business with this company. The debt is {$9000.00}
Product: Money transfer, virtual currency, or money service

I was scammed out of {$2000.00} from my Chase bank account. I was told to wire/send money towards a rental deposit to another person 's account via XXXX. That same day I tried to have the transaction canceled or reversed and I had provided information to my bank to do so while the status was still pending. They refused to cancel or stop the transaction, nor did they provide any evidence of action/ provide follow up to the issue. I created a dispute, and tried multiple times to reach out to my bank and they have not been able to provide any assistance. I asked Chase to provide me some documentation showing I filed the dispute so that I can go to the police to file a report but they stated they " can not email me a reference number/ claim number for the dispute I initially tried to create. Now I have lost the ability to dispute the transaction. The account my money was transferred to is still active and capable of scamming others and although the information of that other account is accessible to the bank they refuse to retrieve the funds. I have attempted to request the money back via XXXX through my Chase app and the scammer is denying the return of funds.