23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023, I mailed LVNV Funding LLC an initial letter requesting full debt validation of the alleged debts in question : Account # XXXX, # XXXX, # XXXX, # XXXX ) via Certified Mail. LVNV Funding LLC received my initial letter on XX/XX/2023. After XXXX days, I did not receive a response from LVNV Funding LLC XXXX so I mailed my second letter requesting full validation for the alleged debts in question again via Certified Mail on XX/XX/2023. LVNV Funding LLC received my second letter on XX/XX/2023. After waiting for an additional XXXX days, LVNV Funding LLC failed to send their responses. 

Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify the alleged debt ( s ). 

I enclose copies of my requests to the collection agency, asking them to validate these alleged debts, and the receipts showing that I sent these letters certified mail. These debts are not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

As a consumer, it deeply concerns me that, despite my written disputes and the absence of proper debt validation, LVNV Funding LLC has continued to report these alleged debt ( XXXX ) on my credit reports as of XX/XX/2023, which is considered a collection activity, according to 15 U.S.C. 1692g ( b ). This persistent reporting constitutes a clear violation of the FDCPA and is causing me significant distress. I do not know who LVNV Funding LLC is, nor have I ever done business with them or been lent any money by this agency for me to owe such alleged debt ( s ) nor do I agree with these alleged debt ( s ) on my reports as I never signed anything with such agency.
Product: Debt collection

Around XXXX XXXX I got a call from this lady name XXXX. She was convincing me to take online courses to become an XXXX. At first I agreed then few days later I called her and sent her a email to let her know that Im no longer interested because Ive realized that Im making the wrong choice. When I called XXXX back she did not answer to my call but did return my call back a day later after she read my email. She was offended by my email because in the email I stated that Im no longer interested in attending your XXXX because I feel like something is sketchy with your company so she got offended and hung up on me. Ever since then XXXX XXXX has been calling my phone and harassing me talking about they are asking me to pay XXXX or they will bring me to court. Then they sent false information to my credit reports. After I made a dispute with both XXXX XXXX XXXX they agreed to remove the false collection account that they put on my credit report profile because, i sent them my exact proof for whom my XXXX XXXX are with and the name of the XXXX XXXX XXXX XXXX. Today I received a notification from my email saying theres a new collection account added to your XXXX credit profile. This time they added more false information by saying I open an account with them XXXX of last year in the amount of XXXX XXXX and go by another name just so they can go and put false claims on my credit report.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

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

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

These accounts are inaccurately and erroneously reported in EXPERIAN. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to EXPERIAN Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( LATE/CLOSED ) XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance {$0.00} ( COLLECTION ) XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Balance {$29000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$380.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$1700.00}
Product: Debt collection

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to express my extreme disappointment with the inaccurate and incomplete information that you have reported on my credit report. The information provided for the following accounts is insufficient for proper validation, and I demand that you take immediate action to remove them from my credit report : 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 Balance : {$0.00}. I expect you to conduct a thorough investigation into these matters and provide me with any supporting documentation used to validate these debts. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verifiable information on my credit report. The other credit bureaus have successfully expunged these accounts from their records after identifying an error. I am perplexed as to how you have verified it when the other bureaus have already removed it. Kindly remove these entry from my file as it is inaccurate, erroneous, incomplete, or unverifiable. Also, I am compelled to reiterate the matter concerning unauthorized credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I categorically did not grant authorization for any representative from these companies to probe and access my credit report. This infringement stands as a clear violation of the Fair Credit Reporting Act Section 1681b ( c ), constituting a severe breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, Account # 539176XXXXXXXXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 there was an ach transfer from my account to an unknown account. My navy federal account was hacked and someone transferred {$1000.00} into their own chase account. It was a savings account which I didnt check often so on XX/XX/2022 I checked the account and notice there was a transfer that I didnt do. I called the bank immediately and they closed that account and started an investigation on the situation. I had to call about 30 times to try and get answers. Finally about 3 months later I got a letter saying I will NOT be getting the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at XXXX EST, I attempted to dispute inaccurate items on my Asurint report that were inaccurate, of which there were many. However, when I went to obtain the form for disputing inaccurate information, their website returned a XXXX error. No other means for disputing this information were provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I went on the Equifax web site the company set-up after the data breech that exposed personal information of 143-plus million consumers. The web site was advertised as a tool to determine if your ( meaning consumers ) personal information was breeched. I entered the required information and received the following reply from Equifax -- - '' based on the information entered, your personal information MAY HAVE ( emphasis added ) been compromised. '' I knew that already! I went on their web site to determine with specificity if my personal information was compromised. My question to the CFPB is this ... Does Equifax have an obligation to inform all people by mail ( since the web site is useless ) IF they are one of the millions effected by the breech?
Product: Debt collection

I am a victim of identity theft and I have reviewed my credit report and found fraudulent accounts and inquiries. I contact both the XXXX number : XXXX, and credit bureau to resolve the matter and it has not been resolved or removed from my credit file. 

Below are the account that was not authorized by me : 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

On XXXX2020 I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, The following accounts XXXX XXXX XXXX XXXX ; account # XXXXXXXX XXXX XXXX ; account # XXXX, XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  ; account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and noticed that XXXX had reported my old Car Loan to all XXXX credit bureaus as XXXX day late for the month of XXXX XXXX XXXX as well as XXXX  day late in XXXX XXXX XXXX - Multiple calls were made to XXXX customer service during that time sine we were in Covid Pandemic and we were told that that we could have a forbearance until we received money again to make full payment which we did so a few months later. 
I have disputed this with the credit bureaus also, but they are saying all the information is correct.
Product: Mortgage

I had a mortgage with Chase bank. I purchased the house for {$340000.00} and the mortgage was for {$380000.00}. They told me that I qualified for a grant and that it would cover my down payment but instead the {$20000.00} down payment was added to the mortgage. I tried for multiple years to modify the mortgage because of hardship and because the house I purchased was not worth the amount I bought it for. The modification took so long because they keep on losing my paperwork, saying they never received it. In the end I was forced to do a short sale because the bank refused to work with me in lowering my mortgage payments.
Product: Vehicle loan or lease

On Monday, XX/XX/XXXX Ally Auto Finance received my payoff for my XXXX XXXX XXXX & as of todays date there is still an outstanding & open loan. The last 2 days I've called Ally Auto and spoken to their offshore representatives that displayed no interest in my concern & denied my request to speak to a Supervisor. On XX/XX/XXXX I spoke to XXXX from the Consumer Solutions & she was unable to confirm that the payment processing center is processing my payment. Furthermore, I was advised it could take 7-10 business days to process which is UNACCEPTABLE for it to take that long. I'm trying to purchase a home & I need to provide proof that this vehicle loan to Ally was paid off. Everyday that my account remains open I get a daily interest charge of {$8.00}. XXXX  tracking # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX FIN XXXX
Product: Checking or savings account

I sent Navy Federal Credit Union a secured message on XX/XX/year>. Sometimes I deposit $ XXXX to $ XXXX in my account per month and it disappears. Im not sure whats going on but I need help.
Product: Debt collection

Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Pleasestop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account
Product: Credit reporting or other personal consumer reports

Experian and XXXX has failed to fulfill it legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed
Product: Checking or savings account

On XX/XX/2021 requested to update Automatic Transfer Authorization on my existing loan with Wells Fargo. I received the form from Wells Fargo on this date. I faxed the form in on XX/XX/2021 and received verification that the form was received. I understand that it may take one billing cycle for this change to happen. It is now XX/XX/2021 and Wells Fargo still hasn't updated the account. 

I called Wells on XX/XX/2021 and Wells informed me " there is no way we can check to see if we received the fax you just have to fax it again ''. I informed them I have the confirmation that the fax went through but Wells Fargo 's response was just to resend it again. Wells Fargo assured me that once received it would be processed in 1-2 business days.

I submitted the required form and Wells fargo is not honoring their own form and informing me they cant even verify if they ever received it or not.
Product: Checking or savings account

Received an email from truist bank stating my account ending in XXXX has been activated. I have never heard of this bank. It is listed under my maiden name XXXX XXXX. My social security number is attached to this account. I have tried contacting the bank and have been hung up on every single time.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Transunion : I pulled my credit report and noticed that there are items that are not right. 

I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from, Note : XXXX XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Respectfully, XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago a credit card was opened in my name with XXXX XXXX. I filed a police report and a ftc report and submitted it to all 3 credit bureaus. The all removed the credit card. Recently it popped up on my credit again and I disuted it and the refuse to remove it, when all 3 removed it before. This is ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed 2 unauthorized inquiries on my credit report by done by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, I then contacted Equifax via mail on XX/XX/XXXX and disputing the two inquires, i asked them to investigate and remove this, I did not apply for anything with XXXX XXXX XXXX, someone else applied for something in my name. 
Equifax sent me a notice back stating " inquires are a factual record of file access and will remain on my credit report for Two years for the report date '' I contacted XXXX XXXX on XX/XX/XXXX, they told me to dispute the inquires through Equifax and they will remove them. 

Therefore I filed another dispute online on XX/XX/XXXX and XX/XX/XXXX disputing the same two inquiries from XXXX XXXX XXXX  and once again I received a response stating " inquires are a factual record of file access and will remain on my credit report for Two years for the report date '' I called Equifax at XXXX on XX/XX/XXXX and spoke to a XXXX at XXXX CST about the inquiry disputes, he refuse to put them in investigation, XXXX stated that " that inquiries CAN NOT be disputed and CAN NOT be removed. I told him that per the Fair Credit Reporting Act all Unauthorized transactions must be investigated and removed. He refuse to assist, I then asked to speak to a supervisor, XXXX stated that his supervisor does not have the authority either then he place me on hold for 40 mins and then disconnected the call.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with recent CFPB findings against Navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, my accounts with XXXX  ( Account Numbers : XXXX, XXXX, XXXX ) were locked and placed under investigation. During this period, I received explicit verbal instructions from XXXX representatives not to make any payments until the investigation was resolved. 

Despite following these instructions, late payments were reported on my credit report for XX/XX/XXXX : XXXX : 90 days late XXXX : 60 days late XXXX : 30 days late I contacted XXXX  multiple times to resolve this issue and was informed that regulatory constraints prevented them from amending the credit report. This response contradicts the verbal instructions I received during numerous calls ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), advising me not to make payments while the accounts were under investigation. 

I actively attempted to make payments during this period but was initially prevented from doing so by XXXX system. Only after insisting and escalating the matter to a supervisor, and after multiple attempts, was I allowed to make a payment using an alternative method. 

On XX/XX/XXXX, I contacted XXXX again to address these discrepancies, but the issue remains unresolved. I have sent a formal dispute letter to XXXX XXXX XXXX office, detailing these inaccuracies and requesting an investigation. I included screenshots of a XX/XX/XXXX email and detailed call logs as evidence. 

The inaccurate late payment entries on my credit report do not reflect the actual circumstances and are compromising my creditworthiness. I request a thorough investigation into these entries and their removal from my credit report. 

Thank you for your assistance in resolving this matter.