23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV is predatory - seemingly purchased several of my old debts and also my twin sister 's debts and are demanding that I pay her accounts as well ( accusing us of being the same person ). The lawsuit as well as collection efforts show too many discrepancies. LVNV Funding as seemingly filed an unlawful suit against me. Company is suing me for an old XXXX account . However, the documents they've submitted for evidence show a different account for " XXXX '' a car company that has been sued in a class action suit. XXXX sold my account and still tried to collect on the debt that I did not owe as well as LVNV. They both continued to collect after the settlement awarded and demanded they stop. A letter was sent on my behalf to LVNV on XX/XX/2021 and XX/XX/2021 and LVNV retaliated by filing a suit on XX/XX/2021. The plaintiff, LVNV has been stalking my credit profiles, purchasing multiple debts over six years old ( time-barred ) and collecting on those debts. They've sent me emails stating that they have reached the age to sue me on other accounts but stated that I still needed to pay them- collecting on time-barred accounts and also asking that I pay debts that do not belong to me and have also inaccurately reported. They are re-aging my accounts. The original owner did not zero out my balance field nor inform the purchaser LVNV of the date he account first became delinquent. ( I no longer owe the XXXX debt because the settlement required that the debt be forgiven due to unfair practices such as violating consumer laws and predatory loan charges. Attempts to collect debt not owed and there were no written notification about debt ( didn't receive, therefor, I didn't know I could dispute debt ). Their practices are harassing, abusive, unfair and they have multiple inaccuracies and discrepancies on my reports, accounts and emails, producing bills that I've never seen and do not owe. I have requested that they stop and they sued me in retaliation. The exhibits ( Exhibit A lists XXXX but they only show proof of the XXXX account for Exhibit A ) Schedule I in the court document states the account is " XXXX '' But, Exhibit B is about " XXXX XXXX XXXX ''. There is inadequate documentation inflecting a bill that does not mirror the amount owed by the original creditor. Please find attached XXXX XXXX, emails requesting for the creditors to stop contacting me and to also stop collecting on the date ( sent my me as well as by XXXX XXXX XXXX on my behalf ) current harassing emails collecting on a time-barred account and lawsuit filed by the plaintiff about these accounts that I do not owe. Letters were sent out, ( XXXX account, time-barred and proven that I do not owe via settlement ) before the lawsuit for these accounts were filed.
Product: Debt collection

I left XXXX XXXX XXXX XXXXXXXX XXXX, an apartment complex in XXXX, VA some months back. I figured there might be some balance due. At the time, provided forwarding information by email and return phone call. I heard nothing for several months. Then I began receiving repeated calls from " The office of Hunter Warfield ''. They call using a variety of 8xx numbers, and do not leave a message. When I have answered and spoke to them, the have a long introduction that makes them sound like a federal agency. 

However, in my specific case, they start off about collecting a debt after numerous attempts to contact me. After some questions, I find they have been sending letters to an address I am not at. I give them a proper address for postal mail and an email address. I receive nothing from them at either the postal or email. 

And then I receive another phone call. Same speil. 

So today I called the leasing office to ask what is the deal. And I find that I have a XXXX balance!! There is no reason for Hunter Warfield to be calling me. 

As a certified communications engineer, I consider this to be harassments and fraud by telephone, across state lines, which is a felony under FCC rules. Any further calls or other communication from this firm will be handed over to the FCC and Attorneys General of  Virginia and Tennessee, along with alerts to the media for suitable judicial action. 

Do not harass me by phone and commit fraud trying to collect a debt I do not owe. 

A XXXX Search shows Hunter Warfield at : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX It appears to me that the landlord is not the problem, but the collection agency is.
Product: Debt collection

To Whom It May Concern : Regarding the above-listed account, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Kindly note that I do not acknowledge any liability for this alleged debt in any form, and I retain my right to request full and complete debt validation from your company.

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the three credit reporting agencies ( XXXX, XXXX, and XXXX ). 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 
If you agree to these terms, I will : Pay the amount of {$250.00} via money order or certified cashiers check Please understand that this is not a renewed promise to pay. This is a restricted settlement offer, and you must agree to the terms above for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 
The terms of this offer will expire after 30 days. I look forward to your prompt and positive response. 

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

the same account item is being reported multiple times on my credit reports which is causing me harm. The law provides that any incorrect information be deleted immediately under the FCRA. This is incorrect information and all should be deleted immediately
Product: Checking or savings account

I have recently opened a new account with Citibank and received my second direct deposit on XXXX XXXX at approximately XXXXXXXX XXXX. I attempted to transfer {$2100.00} to my XXXX XXXX account, as that is my default checking account that I use to pay my XXXX loans and credit cards, and I received an alert indicating that my access was locked. I called the number given and the lady told me I need the fraud department but they dont open untiXXXX XXXX XXXX Upon calling Citibank 's fraud department at approximately XXXX XXXX I was informed that an investigation was underway, and it would take 24-48 hours. The rep couldnt tell me what the investigation was for. I asked if I would still be able to withdraw money from the atm and I was told yes. At approximately XXXXXXXX XXXX I attempted to withdraw {$1500.00} from the atm, but the machine told me to contact my bank. I checked my app and at this time it wouldnt allow me to access the home page at all and was saying the account was locked. I called back the fraud department and dealt with a rep named XXXX. Initially XXXX gave me the story about the investigation and couldnt tell me what triggered it and what it was for. She said I would have to wait an additional 24-48 hours. I mentioned speaking to a manager and she made it seem like she could assist me, but all she did was spend 40 minutes asking me personal and verifying information from my address to my social security number, to come to the same conclusion that I would have to wait 24-48 hours, but this time it was for a letter with a code so I can call back and verify myself. I asked to speak to a supervisor and was transferred to XXXX who spent another 20 minutes asking me the same questions previously asked and doing nothing. He gave me the same response as XXXX. It was only when I confronted him with similar reviews online that were similar to what I was currently going through, and how theyve been lying that he finally revealed its not 24-48 hours, but really 7-10 business days.

As Ive frequently explained I am a XXXX XXXX whos paid by the XXXX XXXX XXXX XXXX  The funds that theyve frozen is my direct deposit from my 2 week paycheck. Combined with the money that was already in the account I have {$3200.00} that I can not access, and bills that I can not pay. The bank NEVER ONCE sent a text message or email to the number and email address used open the account. They NEVER sent any communications that there was any suspected fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX -tried to dispute inaccurate item XXXX XXXX XXXX -tried to dispute XXXX XXXX -tried to dispute XXXX XXXX-tried to dispute XXXX   XXXX XXXX-tried to dispute
Product: Credit reporting

I disputed some information with Experian and I like I said before they only removed some of the misleading information off my credit report. I sent them a identity theft report twice and they are still re- porting this XXXX public item. This is becoming very stressful and very irritating. Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted MediCredit four separate times to get them to remove some information from my credit profile and they refuse to respond to my requests. I have sent them a police report for identity theft, a FTC approved fraud affidavit and a lease agreement showing that I was living in another state when the referenced accounts were established. This organization refuses to acknowledge my request, they refuse to cease in knowingly reporting inaccurate information to the three credit reporting agencies. I don't know how a company can continue to be allowed to destroy someone's credit with no accountability what-so-ever. This account was established in someone's name that I don't even know and it is related to fraud.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to DELETE the inquiries in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$520000.00}, {$3900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- REAL ESTATE LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3900.00} -This is not my account.
Product: Credit card or prepaid card

I had contacted Discover in regards to opening a second discover card and was told my first account would need to be open for 12 months to be eligible. I met these requirements so I applied, I then received an immediate denial stating my first card had been opened too recently. When I called them they informed me I was declined because my first account has to have ha d 12 bil ling cycles completed.     When I informed them that I met these requirements as m y 12th  Billing cycle had ended the week before, they started backpedaling and changed their mind on why I was denied. I have called back twice now and both of the representatives and their managers all gave me different information in regards to my denial despite the fact that my only reason for being denied ( on the denial notice ) states that I have n't had my first account long enough. Eventually they settled hard on changing their mind and telling me that it is actuall y 13 billing  cycles, a nd the 13th cyc le will have to already be reported to the credit bureau and available to be viewed by them.     Despite them  ( several different employees ) misleading an d lying to me, they refuse to have anybody manually review the application to tell me why I was actually declined. They instead are encouraging me to apply again in the future but ca n't tell me when I will actually be eligible. I 'm not sure I would trust this information anyways as I had already asked and been told the wrong thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, my credit score went down by XXXX points. My research found that two different companies were reporting brand-new collection/charge-off accounts to the bureaus around the dates of XX/XX/XXXX, to XX/XX/XXXX. The companies are XXXX XXXX XXXX and AVANTE USA. They both claim the debt originates from the same medical entity but all other information from there does not match. XXXX XXXX XXXX reported a debt of {$980.00}, with an opening date of XX/XX/XXXX. AVANTE USA reported a debt of {$860.00}, with an opening date of XX/XX/XXXX. When I attempted to verify this information directly through the medical entity, they were unable to match my information to anything in their system. 

On XX/XX/XXXX, I was granted financial assistance for my medical bills. Any medical debt that I owed was settled or was incorporated into a payment plan, to which I have been paying per my schedule. This in and of itself proves the debt from AVANTE USA is false, as they are alleging the account became delinquent after I was granted assistance. 

I have not received any form of written communication from AVANTE USA or XXXX XXXX XXXX informing me of this alleged debt and the details. Likewise, I was not given any notification that anything was going to be reported to my credit as collections or charge off. I can not help but feel that being granted financial assistance is being used as a leverage point against me. This is causing me extreme stress and upset as my credit score has gone down so severely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX XXXX XXXX  XXXX Account status Closed Date opened XX/XX/XXXX Account type Open Account Balance details Balance {$3400.00} Balance updated XX/XX/XXXX Original balance {$0.00}
Product: Credit reporting or other personal consumer reports

I have been trying to get errors on my credit report removed because it's a violation of my rights under the Fair Credit Reporting Act. Under 15 U.S. Code 1681s-2, a person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. After providing factual information to the furnishers of my consumer report, they still haven't managed to correct the errors and I'm soon going to seek litigation. It has been well over 90 days since I filed my disputes. I even have a bankruptcy XXXX XXXX  that the courts I filed with stated they didn't authorize these said companies to report this information or even gain access to it. Under 15 U.S Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have late payments on credit card accounts that shouldn't be there. The creditors are also considering the accounts " verified '' because they are basing their disputes on the consumer system that has incorrect data reporting on my behalf that I don't authorize and won't check the proof of proper information I'm sending in. I demand these accounts to deleted from my credit report.
Product: Vehicle loan or lease

Dear Consumer Financial, I would like to discuss about paid bill from {$23000.00} to {$1300.00} to Santander Consumer USA comapny. Please check again fix to repair credit on XXXX, XXXX, and XXXX. Thank you. I hope you doing well and Happy new Year! 

Best Regard, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm requesting that Equifax delete all personal information such as inaccurate addresses and Names except for what I have provided. My credit report should only have one Name and delete address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. My address is listed below and I have attached a utility bill confirming this is accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My you donation was used as a result of a data breach Accounts were opened such XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Im not sure. Ive recently received forwarding mail from my old address in XXXX California and have recently moved into our current home. My family and I have been staying with family until our current home was ready to move in. I immediately tried writing but received no response. Why am I receiving this dept? My insurance is still the same. XXXX really confused. If you can call me at XXXX I would greatly appreciate it. The reference number is XXXX and my name is XXXX XXXX. Hope to hear from someone soon. Thank you.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

Just like other negative records, XXXX XXXX XXXX should be scheduled to be automatically removed, or purged, from our credit reports after a specific time-period. 
Furthermore, for a XXXX XXXX XXXX case, the time frame is seven years after you file for bankruptcy. That means you can expect the record to be removed from your credit reports at the seven-year mark without any effort on your part. My bankruptcy was actually dismissed on XX/XX/XXXX XXXX XXXX 
Ive already challenged this with XXXX and, thankfully they recently removed this item. 
Please delete this item ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you in advance for your assistance with this matter.
Product: Debt collection

I spoke with XXXXXXXX XXXX XXXXXX/XX/2022 and they was unable to provide me with a document with my signature on it. Stated it was for my step daughter. I am no longer married and not sure why this be on my credit. XXXX XXXX reported a XXXX balance on the XXXX of XXXX. Equifax has yet to remove it from my credit report. XXXX collections is sending me a document stating a XXXX balance. But my complaint is with the fact that it is not being reported properly by Equifax.
Product: Credit reporting or other personal consumer reports

Hello Pursuant to the Fair Credit Reporting Act ( FCRA ), I am writing to address issues related to identity theft and inaccurate information on my credit report. I request your prompt attention to the following matters : 1. Blocking Fraudulent Information ( 15 USC 1681c-2 ( a ) ) : This statute mandates consumer reporting agencies to block information resulting from identity theft. I request the immediate blocking of all accounts fraudulently opened in my name. 2. Disputing Inaccurate Information ( 15 USC 1681i ) : Under this section, I have the right to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information associated with this breach. 3. Ensuring Accuracy ( 15 USC 1681e ( b ) ) : This provision requires consumer reporting agencies to maintain reasonable procedures to ensure the accuracy of information. I request a thorough review of my credit report to identify and rectify any inaccuracies stemming from this breach. 4. Access to Consumer Report ( 15 USC 1681g ( a ) ) : As provided by this statute, I request access to my complete consumer report to review all information being reported and identify potential inaccuracies resulting from this breach. 5. Preventing Misreporting of Negative Information ( 15 USC 1681m ) : Please ensure that any negative information resulting from this breach is not inappropriately reported. 6. Right to Seek Damages ( 15 USC 1681n ) : I reserve the right to pursue damages for any violations of the FCRA should you fail to comply with my requests. DEPTEDXXXX DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX Please confirm receipt of this letter and provide written confirmation of the actions taken to address my concerns. Additionally, I request an update on any measures you are implementing to safeguard my personal information. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Your company has placed multiple inquiries on my credit report without my authorization. I take my financial security very seriously, and I need these unauthorized inquiries removed right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. XXXX XXXX  XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a late for and open end consumer credit plan as late for any purpose.