23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the accounts listed below be blocked and deleted from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any accounts resulting from identity theft or fraudulent activity must be removed from my credit report. I ask that you promptly take action to ensure that these accounts are blocked and deleted from my credit file. 
Please find the list of affected accounts below : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX keep reposting PORTFOLIO RECOVERY account to my credit report after removing it I never received the 1099c form from the XXXX XXXX creditor used to write off the debt as income.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND TRANSUNION HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORT. 

THE FOLLOWING INFORMATION IS INCORRECT PLEASE DELETE : XXXX XXXX XXXXNOT MINE XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXSINGLE FAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXSINGLE FAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXAPARTMENT COMPLEXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXSINGLE FAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXAPARTMENT COMPLEXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXMULTIFAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXAPARTMENT COMPLEX XXXX XXXX XXXX   XXXX, FL XXXX-XXXXMULTIFAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXSINGLE FAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXAPARTMENT COMPLEXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXMULTIFAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXAPARTMENT COMPLEXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXMULTIFAMILYNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXSINGLE FAMILYNOT MINE XXXX XXXX XXXX XXXX, FL XXXX-XXXXSINGLE FAMILYNOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A INVESTIGATION/REINVESTIGATION REQUEST WITH DATA FURNISHERS. THIS IS NOT A SUPPRESSION REQUEST. THIS IS A NOTICE YOU ARE BREAKING FEDERAL LAW, AND YOU MUST FOLLOW THE FEDERAL LAWS SET BY CONGRESS. 

The letter mailed on XX/XX/2021, put you on notice for advertising false and misleading information. In accordance with Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), you have thirty ( 30 ) days to complete a thorough and accurate investigation and make the consumer aware of the final results of the investigation within five ( 5 ) days.

I was NEVER made aware an investigation was done, or the results of the investigation.

YOU ARE LEGALLY REQUIRED TO EITHER DELETE OR MODIFY THE INFORMATION IMMEDIATELY PURSUANT TO U.S. Code 1681i ( 5 ) ( I ).

THIS IS NOT A INVESTIGATION/REINVESTIGATION REQUEST WITH DATA FURNISHERS. THIS IS NOT A SUPPRESSION REQUEST. THIS IS A NOTICE YOU ARE BREAKING FEDERAL LAW, AND YOU MUST FOLLOW THE FEDERAL LAWS SET BY CONGRESS. 
YOU ARE IN DIRECT FEDERAL VIOLATION.
Product: Credit reporting or other personal consumer reports

Second Request for Reinvestigation of 2 closed cases with LVNV Funding ( Several FCRA Reporting Violations ) Dear CFBP I hope this message finds you well. I am writing to bring to your attention again the persistent issues I have been experiencing with LVNV Funding LLC, specifically regarding two cases that were previously closed. 

Despite my prior requests, I have not received the Purchase Agreement or any signed Agreement bearing my signature, for the alleged debt and LVNV Funding LLC continues to report on my XXXX Report.

Moreover, it has come to my attention that LVNV Funding LLC may be in violation of Section 623 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ). This section explicitly prohibits furnishers of information to consumer reporting agencies from providing information that they know or have reasonable cause to believe is inaccurate. LVNV Funding LLC seems to have engaged in the practice of reaging an account, misrepresenting its status as more recent than it actually is, potentially violating the FCRA.

LVNV Funding has also recently updated my XXXX report from " Charge Off '' to " Collections '' without fully verifying the account and providing the necessary documentation to me.

Again LVNV Funding has failed to supply all essential documents and fully verify this account, specifically a Purc
hase Agreement and contract bearing my signature. This lack of documentation raises serious concerns about the accuracy and legitimacy of the reported information. I also previously requested a copy of a 1099 C Tax form for this charge off ; however, now they have removed the charge-off status and updated it effective XX/XX/ as a Collection Status. 

CFPB I kindly request that you reopen these cases and take the necessary steps to hold LVNV Funding LLC accountable for potential violations of the FCRA. Your assistance in ensuring compliance with consumer protection laws is crucial and greatly appreciated. 

Thank you for your attention to this matter. I anticipate a prompt and thorough investigation. 

Attached are my XXXX Credit Report along with the documentation previously submitted to the Consumer Financial Protection Bureau ( CFPB ) for your reference. 

I have also reached out to the XXXX XXXX XXXX and the XXXX Attorney General for help with this matter. 

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

I called Equifax after its security breach to procure good security for my credit account. I asked where he was from and he said the XXXX. I was speaking with a person from the XXXX XXXX about MY Account! He said he was an Equifax Rep. I learned that XXXX has the same practice.

What are these agencies doing allowing foreigners to see American 's credit information? I want it stopped ASAP. I asked my Congressman, Rep. XXXX XXXX, Arizona, to look into it. I never heard back. That was several months ago.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized inquiry on my credit report. I reviewed my credit report and noticed an inquiry from : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry was made without my permission, and I believe it is either a mistake or fraudulent. 

According to the Fair Credit Reporting Act, I have the right to dispute any information that I believe is inaccurate. I kindly request that you investigate this inquiry and remove it from my credit report. 

I appreciate your attention to this matter and look forward to your prompt response. 
Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft and the following are fraudulent : ACCOUNTS : XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$8800.00} XXXX XXXX XXXXXXXX XXXX Reported : XXXX XXXXXXXX, 2021 {$780.00} HARD INQUIRIES : XXXX XXXXXXXX Inquiry : XXXX. XXXX, 2021 Automotive COLLECTIONS : XXXX XXXX XXXX Reported : XXXX XXXXXXXX, 2021 {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several collections on my credit report and asked equifax to investigate. They came back with verified but they never investigated it. When I complained I was told I needed to contact the " collection/creditors '' myself to get more information. So I sent certified mail with signature return letters asking for documentation or some type of validation, a contract or signature or any type of details that proved this belonged to me. I got a bill instead. They offered no proof or details what so ever. So I contacted Equifax again and sent all the documents from the certified mail, to the signature cards, to the responses and they sent me back a response that they updated the accounts. I had told them that these companies are refusing to give me any documentation or proof of these so call debts and that I need them either to give me proof or documentation and method of verification and they said it was up to me to prove they weren't mine. How can I prove a negative? The ones reporting should have to prove and provide their method of verification. Equifax has me jumping through hoops and not providing any resolution on this. When I called them I got a XXXX XXXX XXXX which is part of their company. I asked and asked for help with this matter and all they wanted to do was sign me up for their services. They would take care of it if I paid them money. I refused and demanded to talk to Equifax. After 3 different phone numbers I finally talked to Equifax that said they  couldn't do anything that I needed to contact the collection/creditors. I explained I already had done that and they wouldn't provide any information. I was then told once again that it is up to me to prove these do not belong to me. A run around. The same XXXX over and over again.
Product: Debt collection

I have a HERO loan taken out with Renovate America on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, is the third party who prepares the calculations, at XXXX, option 2 then 1. 

The issue, I have made several prepayments. The first prepayment was on XX/XX/XXXX. In accordance with the contract, I was not charged any fees. 
The second ( XX/XX/XXXX ) and third payments ( XX/XX/XXXX ) I learned recently contained fees XXXX contract was not amended, fees were taken from the amount of the prepayment ). 

On XX/XX/XXXX, I made a fourth prepayment. I did not receive a receipt of payment and called today to ensure the funds were received and applied. I also want the current balance. I was told that I could not get a receipt with the updated amount that is owed. I would have to request and pay {$50.00} for another payoff statement. I stated that I did not want to make another payment at this time, I just want to know what is the balance of the loan. The representative stated they can not give me that information. He only had access to the balance as of XX/XX/XXXX. He acknowledged, the 4th prepayment was received. 

Should I not be able to receive my current loan amount without having to pay for it? 

Thanks.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my XXXX   account was deactivated/ frozen with a balance of {$7700.00} and I was told that my funds will be held for 180 days for loss and prevention purposes, and I have still not received my funds. I was sent a email stating that the status of my account has been temporarily adjusted so I can transfer my funds, but I still am able to transfer my funds.
Product: Mortgage

I am still being ignored by Shellpoint!
Shellpoint just contacted me and now that they are removing the forced
placed insurance I never needed in the XXXX place they are saying
they instead need a "cushion" in my escrow which allows them to steal
an additional XXXX a month added to my mortgage payment.
This is theft and I expect someone to contact them to resolve this,
it's frustrating and I'm spending alot of my time trying to resolve
this and now its a different scheme to take money from me.
Can you understand how annoying and frustrating this is.

I started with a new modified loan in 2013 with a payment of XXXX which
always included my escrow payment, and I never missed one payment NOW
THEY ARE SAYING MY ESCROW IS SHORT! How can it be short I never missed
a payment! STOP THIS THEFT NOW!!!!
please step in CFPB and stop this abuse i'm sure i'm not the  only one affected. Shellpoing makes it difficult to deal with they always ignore my emails I'm losing hope getting a resolution with Shellpoint because they continue to ignore my concern
There is no way my escrow is that short XXXX short! No! I expect my payment to go back to it's original amount.
Why is my payment going up?
In fact I think my payment should be going down because I think think my property taxes have increased.
Shellpoint owes me a refund check for the over XXXX they have stolen in fake insurance payments that I never needed since my property was insured already which I proved to them.
So I expect a refund and my payment to go back to its original amount of XXXX a month.
It was a struggle to get my loan mod and I have in good faith made every single payment on time and now this! It's frustrating please CFPB step in and protect us from these servicer abuses, I feel violated.
Product: Credit reporting or other personal consumer reports

Affirm Inc is furnishing inaccurate information to XXXX. I have an equitable interest in my application which is letter of credit that Affirm Inc accepted. The interest every month should be used to settle the account therefore the account can not be late. XXXX is benefiting from Affirm Inc selling this information to them to report inaccurate to damage my reputation.
Product: Credit card

I have had a Capital One credit card for a while. In XXXXXXXX XXXX XXXX, I noticed charges that I believed were not made by me. I disputed the charges and a new card was sent to me. I did not activate that card ( no 2 ). I discovered that a number of charges were made to that card when I received a bill. When I realized something was going on, I notified Capital One and locked my account. I filled out and submitted all of the documents that Capital One requested. Ultimately, these charges were determined to be fraudulent. While I was trying to resolve the issues with card no 2, a new card was issued to me. This card was sent to my family post office box. I did not request this card, either. I believe the card was sent to that po box because I had requested the documents I needed to dispute the charges on card no 2 be sent there. At this point, I was concerned that someone was intercepting my mail and had activated card no 2. I did not activate that card No 3. However, it was used to purchase {$7000.00} in product from one vendor. Initially, without my requesting, Capital One reversed that charge, but then reinstated. At the time of the transaction, I had received an email notification indicating the possibility of a fraudulent charge and I acknowledged that the charge was fraudulent. I have notified Capital One that I believe I am a victim of identity theft and fraud. There were several strange incidents around this charge. 1. the fraud alert, 2. there was an effort to pay the bill from a bank that is not mine, ( this was reversed ), XXXX there have been attempts to log into the account which were not made my me ( I have tried calling about this but was told there was no way to trace it ), 4. once when I tried to log in, another person 's name came up although I had saved my log in information. I have tried to resolve this with Capital One, i have called many many time and have not been able to resolve this problem.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX XXXX XXXX XXXX I was sent an email from Paypal that my account was logged into a device named Desktop XXXX XXXX I do not recognize this device and was not the person that logged into the device. XXXX minutes later at XXXX XXXX I was sent another email that a transaction of XXXX XXXX XXXX XXXX XXXX ) was sent from my Paypal Account XXXX It was sent to an account with a name that I did not recognize. This was not a transaction that I performed. XXXX minute later at XXXX XXXX  Paypal XXXX another email about unusual activity to my account. I have not used my Paypal account in years and did not see these emails in my inbox till Tuesday, XX/XX/XXXX. I made a dispute for the transaction with Paypal that day at XXXX XXXX. On Tuesday XX/XX/XXXX at XXXX, I was notified that the case had been closed and they had determined " there was no unauthorized use. '' I find this difficult to accept because Paypal itself notified me of the unusual activity.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to removethe listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX BalanceOwed : {$370.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXXBalance Owed : {$170.00} XXXX  XXXX XXXX Balance Owed : {$100.00} XXXX  XXXX XXXXXXXXBalance Owed : {$73.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I was on a low interest rate payment plan and making payments just fine. I did not realize that the program ended and I had to call in to enroll again. This was the start of delinquent payments. The last payment they have on file was made in   XXXX   XXXX    . I did n't realize until the calls started, that I was late. I am very willing to make a payment but needed more flexibility. I was offered a  XXXX  interest rate in  XXXX  and that was great but I had to make a large payment on that date and could not do it. I asked if I could make the payment in  XXXX  and they said I 'd just have to call back in  XXXX , so I waited. Now, they can only offer  XXXX  rate which makes my payments too high. I requested the  XXXX  rate by talking to a supervisor. He would not approve me and told me that I ca n't speak to another supervisor and he would not transfer me. He then hung up on me. I would like to make my account current but need more options. Every time I speak with Navient they are extremely rude. I can not believe they are allowed to speak to customers in the way that they do.
Product: Payday loan, title loan, personal loan, or advance loan

During XXXX, I received a PPP loan online from Capital One. I have been paying on time each month. 
I now understand the loan is forgivable if I fill out the right form 3508S. On Capital One 's website it says Paycheck Protection Program ( PPP ) Loan Forgiveness Were accepting 3508S, 3508EZ and 3508 loan forgiveness applications for First and Second Draw Paycheck Protection Program ( PPP ) loans until their maturation dates. 

https : //www.capitalone.com/updates/coronavirus/small-businesses/ To fill out form 3508S I need a copy of my loan documents. I called and requested a copy, but they told me I have to call the XXXX. This didn't match any other information, including their own website, but I called the XXXX as instructed by Capital One. 

The XXXX told me I have to get these documents from the lender, and then submit the form to the lender. The was consistent with what I've read on both the Capital One and XXXX websites. 

I would like Capital One to provide me with a copy of my loan documents, and accept and process my forgiveness application. 

Thank you for any help you can provide.
Product: Debt collection

To whom it may concern concern at CFPB, this letter is being sent in response to An Unverfied Anauthorize Collection Account that was placed on my Credit File with XXXX, XXXX and XXXX The 3 Credit Bureaus Repositories More importantly due to the Company XXXX XXXX XXXX, I never received Validation of this action place on my credit file no one Notified me via registered mail of this Unverfied Collection in my credit file Report XXXX XXXX, and XXXX.the alleged month and year XX/XX/2016 of amount $ XXXXplease be advised this Account was never Verified And because of the Derogatory activity It has done great damage to my credit score since this company never attended to contact be directly by USPS Mail.as to the authenticity of this Unverfied debt a notice was sent pursuant to the Fair Credit Collection Act ,15USC 1692g Sec.809 ( b ) that there claim was is Disputed, and validation was requested on my end since I was never informed of this unfortunate unverfied Derogatory marks I initiated a Request for Legal proof a request for proper documents and Signiture or contract, this is a Violation of the FCRAct Violation of Fair Debt Collection Practice Act Defamation of Character, I sent this request to XXXX XXXX XXXX XXXX  this account was Charged off in my credit report this invalidated Charge off has Drastically impacted my good credit and has severly tarnish my good credit history.a Defamation act a will full act by a company that refurses to validate this unverfied Account XXXX XXXX XXXX. use Predetory Collection tactics by continued phone messages that I recorded for my records as Documents For future Litigation If they continue there phone calls, to myself and my family I am a XXXX XXXX Veteran totally XXXX when a collection company calls and treatening messages of filing with authority and having my XXXX Wages Garnish this is against the Law in Violation of the Fair Credit Reporting Act : published and Unauthorized Collection In my Personal Credit File with out giving me a chance to challenge this erroneous Act. I do not take this lighty and I also believe my rights were violated the this unjustly act therefore I again Sent XXXX XXXX XXXX who I believe was Charged off and sold to a third party Collections agency Called Global Trust Management LLC. please note : I want this coming to stop with there Collection activity for 2 years this company Never attempted to Contact me only unlicensed phone calls if they continue I will seek Advice of an attorney. Thank you.