23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I requested Validation and Proof of Claim from LVNV Funding for the XXXX accounts : XXXX and XXXX via mail. LVNV Funding 's response lacked sufficient information to verify the debt, and I was not given the opportunity to dispute it. Under the FDCPA, I have the right to request full validation of this debt appearing on my credit report. Information has not been provided for either account. I only received XXXX letter from LVNV Funding regarding the XXXX accounts they have reported on XXXX, XXXX, and XXXX. The additional information that I asked : Complete payment history, the requirement of which has been established by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. Date of Last Activity My full, complete and correct social security number that may
help to identify me as the correct person you are trying to collect from.

Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.

The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. 



Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 



Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 



Proof that this debt has not been written off as a tax liability. 



Any other intimate knowledge of the creation of the debt by you, the collection agency. 



However, the company did not send me the information by mail or give me enough time to respond before reporting this debt to XXXX, XXXX, and XXXX.
Product: Credit card or prepaid card

Navy federal converted my secured credit card ( nrewards ) from a 10 % interest rate to a variable interest rate over 16 % ) without my knowledge and without my consent. This card was obtained while on XXXX XXXX in the military is protected by the service member relief act formerly known as the soldiers and sailors relief act. I have reached to this company multiple times I. Writing and also filed a complaint with national credit union association whom stated they were forwarding my case back to CFPB. I am angry that this federal credit union is allowed to mishandle accounts in such a way and impose bogus charges to its consumers in such I have over paid on this card. I was also threatened for closure of this account in which they did because I didnt want to switch to a different card not only that this union continues to report on this card and list on my credit when it is closed. They also fraudulent take the amount of money they want out of my account even though I gave them an amount I was able and willing to pay. This issue has festered way too long and if needed I will file a civil suit. This email was sent to XXXX XXXX the former President of Navy Federal credit union before he retired. The new president is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

I received a phone call on XXXX/XXXX/2015 about a balance of n XXXX dollars that I owe from a Company by the name of XXXX XXXX ( cable service ) Acct # XXXX and I never lived at the address that was told to me and was told that the service was disconnected on XXXX/XXXX/2015. I 've never lived in that area before and now I live in the state of XXXX, but have lived in XXXX, but not XXXX where the cable business is located. I want to report this soIwant be responsible for something thats not me and someone has used my information without my knowledge.
Product: Debt collection

Discover Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 and CARES ACT. 

XXXX XXXX XXXX account # XXXX Opened XX/XX/2013 has violated my rights. 

15 US.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man 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. 

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

They are also in violation of the CARES ACT.
Product: Credit card or prepaid card

I have a credit card " XXXX XXXX XXXX XXXX '' at the financial institution " Synchrony Bank ''. 
On recent statements for this account, I noticed fees for " CARD SECURITY '', which after some research seem to be related to a " Payment Security Program '' that I do not need and that I did not sign up for. 
I was able to cancel the service, but I would like all historical fees related to the " Payment Security Program '' to be reversed. I also believe that such automatic insurance enrollments are a disservice to customers and should not be allowed.
Product: Mortgage

On XXXX/XXXX/XXXX our trial period for our loan modification with XXXX XXXX XXXX began. Our loan modification was approved and officially began as of XXXX/XXXX/XXXX. The terms of the modification include a HAMP Modification Incentive called " Pay for Performance ''. For every month that we make our payments on time we are able to accrue up to {$1000.00} each year for each of the first five years after the anniversary of the month in which the trial period payment effective date occurred. We are able to accrue up to a total of {$5000.00} provided the loan has not been paid in full at the time the incentive is paid. This benefit is to be applied to our principal balance each year after the anniversary date of the first trial period payment due date which is XXXX XXXX, XXXX. We have not had a late payment since our modification began and have been receiving our Pay for Performance incentive each year until this year. 

In XXXX XXXX Nationstar Mortgage purchased our loan from XXXX who purchased it from XXXX XXXX XXXX in XXXX of XXXX. Despite my calls to Nationstar ; XXXX on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX, our Pay for Performance incentive has not been paid. 
I was told verbally via a phone call from XXXX @ Nationstar that my complaint is currently being researched and I will have resolution by XXXX/XXXX/XXXX. I also received a letter, ref # XXXX, from XXXX XXXX, customer relations specialist, stating I will have resolution by XXXX/XXXX/XXXX. To date there has been no resolution. 

I received a letter from XXXX just prior to them selling our loan to Nationstar announcing a new HAMP Modification Incentive that will apply an additional {$5000.00} to our loan balance on the sixth anniversary of the trial plan effective date that will be XXXX XXXX, XXXX. This is a much-needed incentive for us and I am hopeful all will be resolved by then. Included with the letter from XXXX was a Dodd Frank certification form to be signed by us. By the time we received it, Nationstar had become our loan servicer so we sent the form back to them along with the correspondence from XXXX. Apparently, the form triggered a loan modification application and we kept receiving calls regarding our modification application with Nationstar. After a couple months this was finally resolved but speaks to the incompetence of this company. Again I am afraid this incentive will be ignored just as the other has been. 

Nationstar 's blatant disregard for customers ' loan modifications is all over the Internet ( I was researching complaints to Nationstar ). It is my understanding that the HAMP modification is a federal program and lenders are required to abide by its terms. It took us a year and XXXX of hours of fighting XXXX XXXX XXXX to get our loan modification approved. This incentive is very important for our financial well-being and I hope this complaint will help to resolve this matter and Nationstar will comply with our loan modification terms. 
Loan # XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian : XXXX XXXX XXXX [ XXXX ]
Product: Credit reporting or other personal consumer reports

The sites that shares my reports is not accurate. My report should be clean
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX we were in our account checking what had cleared as we do most every day. We saw a pending wire transfer in the amount of {$47000.00}. We never enrolled in wire transfer and don't know the people. I immediately went to our branch and found out that someone had gone into our profile and changed the contact info which is why we had no prior notice. My personal banker told me she would check on this for me. I followed up with her and was told that i needed to come into the branch and fill out an affidavit that would be notarized by the bank. I did this an she uploaded this through there internal portal. I have been following up every few day and now, almost 3 weeks later the bank says they need more time. I believe that making a small business wait this long to get the money returned to the account is unreasonable and is an extreme hardship. I don't know what more i can do?
Product: Debt collection

I am filing this formal complaint regarding an alleged collection account reported on my credit report by Credit Collection Services ( CCS ) and appearing on my credit reports with XXXX, XXXX, and XXXX. I have no knowledge of this alleged debt, and I have not been provided with proper documentation or validation to verify its legitimacy. 

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. XXXX ), I have the right to request validation of any debt before any further collection efforts or reporting to the credit bureaus. Debt validation must include clear documentation identifying the original creditor, proof of the debt 's validity, and confirmation that the debt is attributable to me. Credit Collection Services has failed to provide the legally required validation. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. XXXX ), XXXX, XXXX, and XXXX are obligated to ensure the accuracy and integrity of the information they report. If the debt can not be validated, the credit bureaus must investigate and promptly remove the unverifiable account from my credit report. Continuing to report unverifiable and unvalidated information is a violation of the FCRA and causes undue harm to my credit profile. 

I have made multiple attempts to resolve this matter, including disputing the account directly with the credit bureaus, but the issue remains unresolved. This lack of compliance with federal regulations by both Credit Collection Services and the credit reporting agencies has caused unnecessary financial and emotional distress, particularly as I am in the process of making important financial decisions that depend on an accurate credit report. 

I am requesting that XXXX, XXXX, and XXXX immediately investigate this matter and remove the Credit Collection Services account from my credit report unless proper validation of the debt can be provided. Failure to comply with the FDCPA and FCRA is unacceptable, and I seek appropriate corrective actions to ensure compliance with federal law. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX on behalf of Midland Funding LLC filed a case against me on XXXX/XXXX/XXXX with the XXXX district court, case # XXXX which was dismissed XXXX/XXXX/XXXX for non-service. A subsequent case was filed by XXXX on XXXX/XXXX/XXXX case # XXXX this case was also filed at the XXXX district court in Michigan. 

The court ledger states that on XXXX/XXXX/XXXX I was " personally served '' at an address that I had not lived at in at least 3 years. A default judgement against XXXX/XXXX/XXXX me was entered because I was not personally served and did not arrive to court. I had no knowledge of the court date. Ironically, the initial case filed by XXXX, # XXXX was sent to the address I moved to from the address listed in case # XXXX. The judgement was for a writ of income tax not wages. On XXXX/XXXX/XXXX a writ of periodic garnishment was entered. I still at this time had no knowledge of this or given proper notice of this case for 9 years. On XXXX/XXXX/XXXX, after my initial notification of the garnishment from my employer, I filed an objection to garnishment with the XXXX district court. I was also granted a hearing. XXXX XXXX acknowledged the objection with a letter to the court on XXXX/XXXX/XXXX. The court date for the ojection hearing was XXXX/XXXX/XXXX. I traveled from my home XXXX miles away for the hearing only to find that XXXX entered a satisfaction on XXXX/XXXX/XXXX and my money was sent to them. During the hearing I was the only party to show up and was granted an objection to garnishment. The court papers stated my money should be released to me immediately. I called XXXX law to inquire on getting my money returned. I was advised somebody would call me back and have not received any communication. XXXX in fact was overpaid and collected monies from my Michigan state income tax and my wages.
Product: Checking or savings account

I was charged a numerous amount of overdraft fee through out my business with Wells Fargo bank which I finally took the leap to close this account in XXXX  after being with them for XXXX  years
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: Debt collection

On XXXX XXXX XXXX received an email from True Accord on an alleged debt with XXXX XXXX XXXX XXXX XXXX for an unknown debt with XXXX for {$320.00}, indicating I have until XX/XX/scrub>XXXX XXXX XXXX to dispute all or part of this debt and if I do not they will ASSUME THAT OUR INFORMATION IS CORRECT. 

I request that the Debt Collector cease in false attempts on a debt not known or owned by me.