23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Recently I have been given a judgement summons to have my paychecks garnished by unknown collection agency called LVNV Funding LLC . Represented by XXXX XXXX XXXX XXXX lawfirm. This lawfirm does n't even have an address besides a XXXX XXXX . When calling it goes straight to voicemail. They seem a bit shady should n't a lawfirm have an address to consult with?? My employer called me on XXXX XXXX, 2016 at around XXXX notifying me of this judgement summons. I was unaware of this suit and have never received any summons to appear in any court. I have XXXX kids, my girlfriend, and her father living with me. I can not afford to have my check garnished in any way. I have also recently checked my credit report with ( XXXX ) and ( XXXX ) along with my XXXX score XXXX of XXXX reports were over ( XXXX ) and nothing about owing anything to LVNV Funding LLC . I will be unable to take care of my family if this action is taken against me. I have also consulted legal consul as well. My employer has helped me draw up a letter to submit to the lawfirm in question, my legal council told me it would be fine. I will also will be sending it to you the CFPB / Federal Trade Comission
Product: Debt collection

XX/XX/2022 To Whom It May Concern : I received an alert on my credit report on XX/XX/2022 about an alleged debt from Procollect , INC in the amount of {$890.00}. I called the company to inquire about alleged debt. I asked why I havent received an initial letter about the alleged debt? The Procollect , INC representative admitted during the phone call on XX/XX/2022. They are in process of sending out the initial letter. This negligence is in clear violation of my FDCPA rights. Due to this unacceptable violation. I request the alleged debt deletion from all credit reports ASAP. I have attached the alleged debt from my XXXX credit report. I have also attached a screenshot of the telephone call. If theres any other information needed, please dont hesitate to ask. 


Best Regards, XXXX XXXX
Product: Debt collection

Upon reviewing my credit report after receiving an alert. PORTFOLIO RECOVERY placed three ( 3 ) collection accounts on my credit report. PORTFOLIO RECOVERY violated 15 USC 1692g and Fair Debt Collection Act section 809 ( a ) ( b ) by not giving me the right to dispute or request validation. I NEVER received any communication regarding this alleged debt. Not only did PORTFOLIO RECOVERY violated my rights, PORTFOLIO RECOVERY also violated 15 USC 1692e by reporting illegal debt that is not within the of the Statue of Limitation.
Product: Mortgage

I have been applying for mortgage assistance, and then for a short sale, since XXXX of XXXX. Despite having had one offer in the house in XXXX of XXXX and starting the process then, PHH took forever to review anything we sent despite me and my realtor calling multiple times. The first offer ended up expiring because PHH took so long to even look at what we sent. We put the house back on the market and were quickly able to get another offer for a short sale, but now PHH refuses to look at it and has told me I will be going into foreclosure, despite all the efforts I have made to avoid that. 

I reached out to them at the beginning of XXXX and was told i would be able to get out of the foreclosure, but that answer changed this week despite now having an offer on the house. The communication has been inconsistent and we need a clear path forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX contacted XXXX XXXX XXXX XXXX my credit report reading XXXX 30 days late ) vehicle has been paid off since XX/XX/2014. And that in the system it's showing a lien or something on the vehicle because I can't get the titles to the vehicle. I'm in the process of trying to buy a new house and this is holding up my process of what needs to be taken care of. I need to resolved the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried more than 5 times to have Chase bank to correct the closing date on my XXXX credit report. 

I just spoke with XXXX and they informed me that Chase has a freeze on my file so therefore no updates will be allowed on my Chase account. 

In the previous CFPB complaint filed in previous complaints, Chase never mentioned this and kept blaming XXXX for the reporting information. 

Chase has demonstrated that they are not a fair reporting company. I have spoke with Chase on numerous occasions and they never mentioned they froze my account from being updated.
Product: Debt collection

XXXX is posting on my credit report and effort to collect on a debt that was a part of a discharge bankruptcy that has since been aged off of my credit report. This bankruptcy has passed the reporting time and is no longer legally able to report on my credit report, but continues to attempt to collect on a debt that is a part of that previous bankruptcy..
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to secure vital personal information including name, address, date of birth, credit information and social security number, leaving myself vulnerable to identify theft for the rest of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/ Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

USDOE/XXXX {$3400.00} USDOEXXXX {$18000.00} XXXX  XXXX  {$9400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) {$110.00}
Product: Money transfer, virtual currency, or money service

I was contacted by Citibank on XXXX of possible wire fraud from our company account XXXX XXXX on XXXX. I DID NOT make any wire transfers on that date. Nor did my wife XXXX XXXX, who is also on the account. The two amounts were {$4400.00} and {$4300.00}. I was in XXXX on XXXX at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, CA. My wife XXXX XXXX was there at the XXXX but for a brief time to get fuel for the vehicle and lunch. 
XXXX XXXX went into our local branch that we have been with for years to sign an affidavit of unauthorized transfer on XXXX. I could not travel to sign the affidavit for health reasons. 
Citibank has denied my claim of fraud twice. I will continue to pursue all avenues to reclaim the money. I am still not working due to XXXX and that money would have taken care of us will I heal. I have sent in a letter to prove my whereabouts on that day and will add another here. Citibank has not given us any proof that WE made the transfers. I am assuming because there isn't a way they can completely prove it was one of us. We do not know the recipient of the wire transfer nor have we ever done business with them.

We have stopped using an email that is filed with the bank just in case of any other fraud. But to prove ourselves it was XXXX. Our account is now frozen with Citibank but want to be safe. Two valid emails are XXXX or XXXX. 
I can't understand why we are not being protected and have our money refunded. ESPECIALLY when Citibank contacted US of suspected fraud, they noticed before we even knew! This has come at an extremely bad time for us to have this happen and more so knowing that the bank we have used for years is NOT protecting us!!!!!
Product: Credit card or prepaid card

Bank of America app pop up on my mobile banking app said I was PRE approved for a secured credit card, and when I applied I was denied which hurts my credit.
Product: Debt collection

I have asked numerous time for this account to be verify as required by the FCRA COMPLIANCE TO BE MY RESPOSIBILITY /OR TO BE MY DEBT. I have challenge this company numerous time to provided me with prove as its the law in numerous occasion to this being my account with no success I have file disputed thru the credit Bureau Experian XXXX XXXX XXXX which the credits Bureau has fail to provide me as the consumer validation of this being my account as requested by the FCRA as well as XXXX XXXX/XXXX # XXXX XXXX I'M DEMANDING FOR THE XXXX XXXX/XXXX TO DELETED THIS ACCOUNT IMMEDIATELY AS THIS COMPANY HAS FAILED TO VERIFY ACCORDING TO THE FAIR CREDIT REPORTING ACT SECTION 609 ( A ) ( 1 ) ( A ) YOU ARE REQUIERED TO VERIFY -- THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT OR DELETED ACCOUNT.
Product: Debt collection

XXXX XXXXConsumer Financial Protection BureauRe : XXXX XXXX XXXXDear : INVESTIGATORThis letter is to complaint about a problem I am having with the collection company XXXX XXXX XXXX that I been trying to repair since XX/XX/XXXX. 
I am dissatisfied with their service because they damage and continue to damage my credit. I have already attempted to resolve this problem by contact them by phone and in written. I have enclosed copies of my records. Include copies of their collection letters and other relevant documents with Balance Discrepancy 's. Unfortunately, the problem remains unresolved. I am hereby requesting that you : please help me with this company to repair the item and clean my credit reportThank you for your anticipated assistance in resolving my problem. 
Please contact me at my E-mail : XXXXXXXXXXXX if you have any questions. 

Sincerely,
Product: Mortgage

I obtained a mortgage w Bank of America in XX/XX/XXXX, interest rate was 8.875 % when I bought my house. Due to the price of the house, this was deemed a second mortgage w/ 15 year terms. For the past 14 years I have tried to refi but could not due to housing crisis. In XX/XX/XXXXI was able to modify the mortgage. During this process, I repeatedly asked BoA what the new interest rate would be, and no one was able to provide this, claiming it would be done in " underwriting ''. The new modified mortgage packet arrived- with the same 8.875 % rate in XX/XX/XXXX! I put a cover letter on the closing documents, indicating this and that I only was ONLY signing the first page AND, ( DID NOT SIGN ANY OF THE CLOSING DOCUMENTS ). They pushed it through without signatures, and DID NOT LOWER THE PAYMENT in the modification. I have wrote letters to BoA CEO, XXXX XXXX reporting this and requesting a ( retro active ) adjustment from the start of the modification. Mr. XXXX XXXX is assigned ; he took a copy of page 1 w/ my signature, and wrote I needed to refi the loan, ( costing me even more money ) and ignoring that Bank of America is not in regulatory compliance without my signatures. ( *The mortgage of {$1000.00} is {$760.00} in interest and {$240.00} in principal- this has been going on for 14 years. ) The payment and the interest rate was not lowered in the modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to an auto loan thats currently reporting on all three credit reporting agencies, XXXX, XXXX, and Transunion, report. This account belongs to my father XXXX XXXX XXXX, and My mother ( co-signer ) XXXX XXXX XXXX. I have never signed, applied, and or co-signed for an auto loan with a XXXX XXXX XXXX. 


This crossed reference of our personal information has caused me to be in a dire straits situation because both of use inhabitants in the same household and have the same name. Ive never relinquished my credit information, nor have Ive signed documents with XXXX XXXX XXXX. 

Fax the letter, application, and copy of my driver 's license and the other 2 documents to the fax number that was given to me on XX/XX/2022 Mail documents to : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tracking number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Amount : {$320.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof XXXX XXXX XXXX Amount : {$510.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof XXXX XXXX XXXX XXXX Amount : {$0.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof XXXX XXXX XXXX Amount : {$18000.00} Action taken : Dispute filed, no action of verifying or contacting Needed proof of Debt and that it belongs to me, was not provided proof
Product: Debt collection

I have repeatedly asked for the original document that this was supposedly opened by me and have never received it. Do not believe this is my account.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX
Product: Debt collection

I have been disputing this collection account on my reports with Convergent Outsourcing for some time now. I sent them a letter requesting validation of this debt and it has been well past 30 days and I have not heard anything back. Here is the tracking to prove my dispute was received XXXX XXXX XXXX XXXX XXXX. It is my right as a consumer to dispute any information that I find on my report as inaccurate, and as a consumer reporting company it is required by law that my dispute is acknowledged and investigated properly. It is illegal to ignore my dispute and I have no other choice to believe that it was ignored because they clearly can not validate this debt as accurate. I am demanding that this account is deleted from my credit report as they are in violation of my rights as a consumer!
Product: Mortgage

For about a year The Money Source TMS keeps showing unrealistic amount due. Ive emailed and called them and thy say that im not behind but the monthly statements shows : XXXX statement {$4000.00} XXXX statement showes {$2900.00} XXXX statement {$2900.00} XXXX statement {$1800.00} XXXX statement {$1800.00} All of this time im making my payments before the XXXX of each month and have XXXX been charged a late fee. 

Acct number XXXX THE MONEY SOURCE XXXX XXXX XXXX XXXX TX XXXX CORRESPONDENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Express Recovery is reporting an erroneous debt on my credit file and it must be removed. They are reporting several medical collections on my credit and they have all been paid. I was told they would be removing the collections from my credit but they have not done so. I have never signed a HIPPA release form for you to even report these accounts. They are therefore invalid and a HIPPA violation. They must be removed immediately.
Product: Money transfer, virtual currency, or money service

Have been a customer for years - Promised rewards for transfers. 
Always sent money to XXXX, XXXX where my spiritual family ( which I have visited more than 3 times over the years ). 

Have been denied a transaction to an existing recipient and subsequently denied access to all services from XXXX XXXX without explanation. 

In these times of need, it affects people personally. 

No response but still marketing emails showing 'Points ' available.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to Experian, XXXX, and XXXX to investigate incorrect information on my account. As a result, they never responded within the 30 days allowed for investigation. 

This is my second letter I am sending to them requesting an investigation on inaccuracies appearing in my credit file. The most recent letter was sent 30 days ago, with no response from your company. I was again requesting that you investigate the accounts listed in the letters. 

Since they did not respond within 30 days, I will assume that they are not able to verify this information and will remove it from my credit report. Federal law requires you to response with 30 days, days, yet you have failed to do so. I am maintaining a log of all corrections sent to your company from future legal actions if continue to ignore my requested. I would expect that you send me an updated credit response for my files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX which was paid and XXXX refuses to remove the outstanding balance or update my credit report. I have reached out to XXXX on multiple occasions to address this issue and their continuing to report I correct information on my credit report. My payment was confirmed with the below attachment and XXXX continues to report false information. This account was dismounted with Experian and they confirmed that XXXX certified this account has not been paid
Product: Student loan

I called Navient to change the date of a scheduled payment I make with autopay. The person I spoke to agreed to move my payment from XXXX to XX/XX/XXXX. 
As we were concluding the phone call, he asked me to call back after XX/XX/XXXX to switch it back for XX/XX/XXXX. I said that that was a waste of my time, and asked if they could just toggle it back after this month. He said that was n't possible. I asked to speak to his supervisor, as I wished to see if all of this could be handled in one call. He got defensive and said that was n't possible, that supervisors do n't take calls. I insisted on speaking to someone hire up. 
He put me on hold for forty minutes, and then told me he could n't find a supervisor. He also told me that he could no longer change the date of my payment, and that it would proceed on the original date! 
I asked if he could make the date change if I withdrew my request to talk to a supervisor. He said that he could. I pointed out that this was really unfair, that he was clearly trying to use my perfectly reasonable request - a request he had claimed to already have fulfilled at one juncture - as a bargaining chip to prevent me from speaking to his boss. I begged him to just put the date change through and volunteered to hang up without speaking to his boss if he did. He agreed. 
At this point I had wasted over an hour of my work day. My time is valuable, I have this loan to repay after all! 
When I called back later, I discovered he had n't even put in the date change! I also noted that I was able to get a supervisor in under five minutes on the callback.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 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 than 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.
Product: Credit card

I've always ensured that payments on this account are made on time, avoiding any overdue payments. However, I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit card or prepaid card

Did I asked you to update the report or delete the item from the tradeline? 
Send me proof in writing what did I want you to do with this account? You been reporting it as false since the account went close that erroneous information because you were to lazy to actual conduct a proper investigation is what this is all about. If you dont remove this account I will take legal actio under the FCRA you claim Wells Fargo must and shall report accurate information XXXX you didnt care about fair reporting when you were reporting inaccurate information leading up til XXXX of this year you didnt seem to give a XXXX then why now you just dont want to remove but you will and I wont be paying you. XXXX thing so help me I still need the requested information online for XX/XX/XXXX and XX/XX/XXXX per your Certification
Product: Credit reporting or other personal consumer reports

I received a notice from you saying the disputed accounts listed below were verified and since all THREE ( XXXX ) credit reporting agencies are reporting different information regarding these accounts, I would like to know what you verified, what you modified. PLEASE SEND ME A DESCRIPTION OF WHAT YOU VERIFIED AND MODIFIED? And the procedure of the investigation. This will be EXHIBIT XXXX ( XXXX in XXXX report will be Exhibit XXXX ) If you are unable to provide this information, please DELETE/REMOVE and block disputed items from my file immediately. I intend to file an FCRA claim in federal court and with the CFPB pending you response to my request. 
XXXX. XXXX XXXX XXXX XXXX # XXXX inaccurate please delete XXXX. XXXX XXXX XXXX # XXXX inaccurate please delete XXXX. XXXX XXXX XXXX # XXXX inaccurate please delete XXXX. XXXX XXXX XXXX # XXXX inaccurate AND XXXX XXXX XXXX XXXX REPORT please delete. THE SAME ACCOUNT REPORTING XXXX ON CREDIT REPORT please delete XXXX. XXXX XXXX  # XXXX inaccurate please delete XXXX. XXXX XXXX XXXX inaccurate please delete XXXX. XXXX XXXX XXXXXXXX inaccurate please delete XXXX. XXXX XXXX XXXX  XXXX SAME ACCOUNT please delete XXXX. XXXX XXXX SAME ACCOUNT please delete XXXX. XXXX XXXX XXXXXXXX SAME ACCOUNT please delete XXXX. XXXX XXXX XXXX Same Account please delete