23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received my credit report and i have tried to dispute with an account with LVNV FUNDING. I have noticed there are multiple inaccuracies on this account between XXXX XXXX XXXX. 

I have sent a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA on XX/XX/XXXX  It has been more than 30 days and i have not received a letter back, Heard from LVNV FUNDING LLC Nor received any of the following below from this debt collector : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

I have also asked to Please provide the name and address of the bonding agent for LVNV FUNDING LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. 

I AM DEMANDING THIS ACCOUNT BE REMOVED FROM MY CREDIT ACCOUNT IN THE NEXT 10 DAYS OR I WILL BE SEEKING LEGAL ACTION.
Product: Vehicle loan or lease

First problem I have with PenFed credit Union. Is it's been 2 years I have no copy of contract I do not have title to my truck that's supposed to be in there according to Missouri state law is a right to title state. 
Second problem I have with PenFed. Is they were supposed to refinance my truck at what I still owed on it which would have been a little over {$21000.00} because I had already paid almost {$7000.00} to XXXX who had the note first. Instead they refinanced it for the full {$27000.00}. They are stealing money from customers. They are supposed to take out the payments the third week of the month. But they claim that their computer can't be set up for the third week of the month. Everybody else ACH is my account the third week of the month. So I told him that I blocked him from my account and I would send money orders the third Wednesday of the month when my XXXX comes in I go get a money order for the amount and put it in an envelope and drop it at the post office that same day. Now over a month later they're telling me that they hadn't even got the money to pay money in and they haven't got the XXXX payment yet. They keep trying to charge me return check fees and late fees which I'm not paying. This company is the worst finance company I have ever worked with.
Product: Credit card or prepaid card

I closed my credit card several years ago. However, the accoiunt was sold to another servicing company. As my account has been closed, and I have been paying if off - the interest rate has n't changed. So, naturally, my account balance and payments have decreased throughout this time. But, my recent credit card statement arriaved  two ( 2 ) weeks ago and I noticed that the monthly payment has  increased by a few dollars.     I spoke with  the servicing company regardin g t this. I was informed that even though the account is closed, they did increase the rate as it is " considered '' and active acount while I 'm paying it off. I informed them that I felt this was n't right, and that I was filing a comoplaint.     I find this tolally unfair and unacceptable. I 'm working to pay off this bill. If the serivicing company keeps increasing the interest rate, they 're increasing my balance. How am I to be able to payoff this account with this type of " business practice ''? How are people able to save any money while the credit card companies are being allowed to do this?
Product: Debt collection

Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from AFNIINC on my credit report, which I have previously disputed with XXXX back in XXXX, so please stop collecting this money from me, also and I want this account to be deleted from my credit profile. The most important thing is that I have not been living in XXXX XXXX XXXX since XXXX ( proof attached ), please delete it from my report
Product: Debt collection

Sheffield Financial claims I owe over {$12000.00} for a XXXX. Sheffield also claims the date of deliquency started on XX/XX/2016. However they have failed to provide the date of LAST ACTIVITY or the date the last successful payment was received.Sheffield has also failed to provide a full accounting of this debt which I have requested numerous times. Therefore, I am again requesting a full accounting of this deb, including the payment history and how this debt increased from {$11000.00} to {$12000.00}. I have been locked out of receiving this information online. 
I have attached the small claims lawsuit I am filing today
Product: Debt collection

I had  XXXX  credit cards wit h NavyFederal Credit Union that discharged ba ck in  2016  because I was not able to pay them. I recently started using my Savings Account at  NavyFederal Credit Union and to my surprise, I log into my NavyFederal Credit Union Savings Account this morning and they have arbitrarily taken my money from my savings account and applied it to the discharged c redit cards. How can they take my money and apply to an old debt that has been written off?
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX  

MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

MY PHONE NUMBER IS XXXX XXXX XXXX

MY EMAIL ADDRESS IS XXXX


MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

REMEDY This is about the Consumer Report received via mail, I came to know about a few inaccuracies and even some fraudulent information and accounts that was reported in it.

While According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
Your Company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. 
If the debts were valid you created a false impression that I was not able to pay the alleged debts. 
O As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, your Company is liable according to 15 USC 1681o.

I hereby grant your Company, the opportunity to
remedy this matter by doing the following things : 1. DELETE FEOM CONSUMER REPORT 2. I DEMAND {$1000.00} for damages Thank you for your cooperation
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : | have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX XXXXXXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference XXXX XXXXXXXX filed on XX/XX/XXXX. The entry with Reference XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never discharged.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX XXXX. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my Credit Report after your reinvestigation. If this information can not be verified and you did in fact falsify the verification of my credit report, This account needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to request to you once again to remove the fraudulent accounts and information you are reporting on my Credit File. Let me remind you that under the Federal Law, Fair Credit Reporting Act section 605b, as the Credit Reporting Agencies, you are required to COMPLETELY REMOVE any accounts and information you found reporting due to identity theft. I received a copy of my updated Credit Report and found that you did not only continued reporting the disputed items, but have updated the status of the accounts and claimed that the itmes have been verified. In accordance with the Fair Credit Reporting Act section 605, I am requesting you to please remove the following accounts and information from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$550.00} XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX XXXX  Bankruptcy : Bankruptcy Reference Number XXXX XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX. If you truly believe that the disputed items belong to me, I required you to please send me copies of proof of verification or proof of ownership supporting your claims that the disputed items belong to me. Without these documents, I expect you to remove the disputed items as soon as possible.
Product: Checking or savings account

Saturday, XX/XX/XXXX I received a text message from. Wells Fargo asking if I had authorized a purchase to XXXX of {$160.00}. I responded " 2 '' which meant no. I received a phone cll from Wells Fargo in response to that message response. Went through the procedure verifying I had my debit card on me and it was not me who made that purchase. While on the phone with Wells Fargo I was asked if I had made a withdraw attempt for {$300.00}. I responded no. I was on a boat and had possession of my debit it card, it was not be who made that attempt. The {$160.00} charge was denied by Wells Fargo and the {$300.00} withdraw attempt at an ATM. There was another charge attempt for {$75.00} online to a jewelry store in New York. Wells Fargo denied that charge. 

Wells Fargo then failed to deny two more withdraws from my account at the same ATM location as the first one. Two separate charges for {$300.00}. One on XX/XX/20 and one on XX/XX/20. Resulting in {$600.00} in cash being withdrawn from my checking account without my permission. I had my card on me this entire time and did not give anyone my card information or PIN. During this time on XX/XX/20 there were an addition 2 online charges to white pages. One charge for {$20.00} and a charge for {$9.00}. Both were not authorized by me. 

Wells Fargo failed to lock my debit card after the first initial fraud conversation over the phone on XX/XX/20. I called back to file a fraud claim Tuesday the XXXX after looking at my account and realizing it was not blocked and I was able to use the card on Sunday, XX/XX/XXXX after forgetting it was supposed to be locked and not usable. 

Wells Fargo closed the fraud claim saying the indicators showed I gave someone my card to use. 
This is inaccurate. I filed a police report. I did not authorize the 4 charges that Wells Fargo allowed on my account resulting in {$630.00}.
Product: Debt collection

I have a collection on my credit report that is a result of fraudulent charges. I was not aware of my card being used until after the collection because I never used the card. In addition I have placed credit freezes on all three bureaus for extra protection while I get everything sorted out.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition, to civil liability. By obtaining my CREDIT BUREAU consumer credit report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. supp 2d711 ( S.D Ind.2003 ) I have not initiated any transaction with COMPANY NAME. furthermore, I do not have anaccount as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review for collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email from XXXX XXXX XXXX 's employment screening department requesting additional information as to the status of a mortgage loan. The mortgage company name was not familiar but the origination year and digits affiliated with the loan number were familiar. I informed them that I purchased the property in XXXX, lived in it until I was relocated out of state the following year, it has been an investment property since then, and that the loan was in good standing. 

The following day XXXX asked if the loan was part of an identity theft claim. I told them I was not aware of a claim against the loan. I also shared that fraud protection was added to my credit account due to your typical hacking or credit/debit card numbers being exposed etc. 

They asked me to send them a copy of my ID to confirm my identity. At that point I shared the ID and asked what the issue was because this was the last step before starting my job. I received the offer letter, accepted the offer, submitted all required information and was simply waiting to move forward as usual. Their next email stated that they had an affidavit with my signature claiming identity theft against the mortgage loan. 

I then asked them to tell me the date or produce the document in question so I could look into the matter. The following day my recruiter was told I was ineligible for the role after I accepted the role. 

The document they shared is dated XX/XX/XXXX. 

Back in XXXX, my realtor referred to a credit repair professional that sent me to XXXX to open an account that would kickstart a credit repair process to remove a few negative items or dispute any fraudulent or inaccurate reporting. I made a partial payment of roughly {$1000.00} upfront with the remainder to be paid during the process. 

After receiving the affidavit from XXXX I contacted the realtor about this issue. He provided the name of the individual he referred me to and I contacted them. I was told that an affidavit they would send would not include my signature. 

At that point I forwarded the affidavit to the credit repair professional to produce what XXXX  shared with me. The affidavit did not appear to dispute a negative item here or there. It claimed every account listed, including my existing mortgage, was a product of identity theft. 

I have attempted to contact the individual since then to get to the bottom of what took place and I have yet to hear back from them with an explanation. 

Until I get to the bottom of this matter it is important for me to submit an official complaint in order to clear my name and address a matter I was unaware of until a few days ago.
Product: Debt collection

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Account : Fair Collections & Out XXXX
Product: Mortgage

My mortgage servicing company is Specialized Loan Servicing I ( SLS ) I Was given forbearance From XX/XX/XXXX until XXXX XXXX due to Covid pandemic. 
I started the payment from XXXX XXXX, XXXX and have been paying on-time ever since. 
Not XXXX payment has been late as of today, XX/XX/XXXX. 
I am working for the XXXX XXXX in Florida as XXXX XXXX with a yearly salary of {$88000.00}. 
Since XXXX XXXX, XXXX, I have been paying my monthly mortgage amount of {$2600.00} as it was before the start of the forbearance ( also verified by phone with SLS ) via cashiers check. The last payment was mailed, via return receipt, on XX/XX/XXXX for the month of XX/XX/XXXX. 
I have never been late in my monthly payments. 
SLS has required full payment amount of forbearance which is close to {$49000.00} since after the end of the forbearance period. 
Regardless of months of following their instructions and requirements for paperwork they kept saying I do not qualify and offered me deed in lieu, meaning they want me to give them my house. There is over {$400000.00} equity in my house which is practically my retirement money. After initially disqualifying me for income and expense ratio, they reported me to the credit agencies which brought my credit score from XXXX down to around XXXX and in their final communications to me they disqualified me for any help because of my credit score. 
My question to your agency is that is this practice, right? They offered forbearance by choosing a number on the phone for over 3 or 4 times during pandemic and always said they will work with me at the end of the forbearance period.
Product: Credit card

I have had trouble adding a US Bank credit card to XXXX XXXX. Their process, unique among banks, requires the client to call in and go through a long waiting process as well as questioning and then a human to acknowledge the client 's request to add the card to XXXX XXXX. After doing that 3 times and spending more than an hour, all US Bank will offer is that I continue to wait on hold while the agent talks to a tech support person. I asked for direct resolution with tech support but that is being denied. US Bank is fraudulently advertising a product that provides rewards if the customer uses the card in a mobile wallet and then makes it essentially impossible to add the card to one of the two major mobile wallets on the market.