23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Lvnv funding which is trying to collect a debt saying that I need to pay them when in facts of my complaint they are not legal able to collect a debt in nys because there is no license for lvnv funding to collect any debts in nys I never ever signed any contract or arrangement with this company I have no knowledge of any account from this company I have never use any services from lvnv funding in fair debt they are violating us code 15 usc 1692H Code 15 usc 1692E <- false and misleading practices Fritz v. Resurgent Capital Services, LP It need to be removed now since they dont have a leg to stand on I dont know anything about this company
Product: Debt collection

Being accused of check fraud for a payday loan that was n't paid. When the submitted my post dated check it came back as NSF and later when submitted my account was closed by the bank and so therefore they claim I 'm commiting check fraud by a closed bank account and I will face civil charges and go to jail.
Product: Debt collection

My name is XXXX XXXX XXXX. InXX/XX/2007 I became late on a second mortgage that was through XXXX XXXX XXXX. The debt was subsequently sold a number of times including to XXXX and now LCS.  The debt was satisfied as part of a Home Affordable Refinance by the government prior to ever hearing of LCS and the debt is no longer owed and should never have been sold.

LCS continues to call me although I have requested that they stop. They continue to ask me to call XXXX or XXXX. I have called and requested that they stop contacting me about this debt, which is no longer valid. I called today and the person on the phone hung up the phone on me. 

To top this off this company has TWICE pulled my credit report with a hard inquiry when they have not been given permission to do such. They pulled my report in XXXX and again today on XX/XX/XXXX. At no time have I given permission to do this, and I DO NOT have a business relationship with this company. 

Perhaps there is confusion bc my mortgage was with XXXX, who is out of business. XXXX XXXX XXXX  is also out of business. 

I have no legal relationship with this company, do not owe the debt in question, and want them to cease contact of me in any way, as well as to immediately stop unauthorized pulls of my credit report. 

I do not have an account number for them but my social is XXXX. 

LCS ' address is listed as : XXXX XXXX XXXX # XXXX XXXX CO XXXX It has been a decade since this account became late and it is not even lawful to have them continuing to harass me via phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 15 u.s.c 1681 section 602 I have the right to privacy. 15 u.s.c. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without instructions.
Product: Mortgage

Investment Homes by XXXX XXXX XXXX, purchased a subject property located at XXXX XXXX XXXX, XXXX  XXXX, XXXX FL XXXX and Certificate of Title was issued on XX/XX/XXXX by the XXXX XXXX XXXX XXXX Courts ( attached ). Since taking ownership Investment Homes has made every effort and attempt to resolve issues on title. Investment Homes attorneys pulled an official title report in which the chain of title shows the fXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to Secretary of Housing and Urban Development , Assignee ) .

Wells Fargo Bank, N.A., does not have any record or proof that themortgage was indeed paid off or not. Wells Fargo Bank, N.A., can not locate any data or factual evidence of the mortgage. This has caused Investment Homes a loss of {$290000.00} on a resale of the property or a loss of {$120000.00} at Foreclosure sale plus an additional {$60000.00} on repairs, for a total of {$180000.00}. Due to the negligenceof Wells Fargo Bank, N.A., mortgagor ; and their lack of evidence to secure the proper loan documentation ; has caused Secretary of Housing and Urban Development to proceed with a false foreclosure ( non-judicial ) on behalf of the borrowers who are deceased since XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX ). 
We are requesting for Wells Fargo Bank , N.A . to be investigated for unethical practices and violatingcompliances with Federal law. 
XXXX XXXX XXXX XXXX Homes by XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, Affirm Inc Acct XXXX XXXX, XXXX  XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXXXXXX XXXX  - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX  - XX/XX/year> - Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX - XX/XX/year> - XXXX that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions.
Product: Checking or savings account

My dates are as close as possible if not correct. I didn't realize this was going to happen over trying to close an account. 

I realized XXXX XXXX that the savings account wasn't free as I had been told. There is a minimum balance requirement that I specifically asked about. I was told there wasn't any requirements as I had A Citi card and a Citi Invest account also. 

So the fee came out XX/XX/XXXX and I called and they reversed it XX/XX/XXXX and told me it was closed Then a transfer took place to move the remaining money to my brokerage account. 
XX/XX/XXXX I am charged another fee on the account that should have been closed. I panicked and sent XXXX dollars on XX/XX/XXXX when I realized it because I don't need derogatory marks of any sort. Called again. Money transferred account closed, fee refunded yet again. 

Now XX/XX/XXXX same fee charged on the same account that should be closed. I call again. They refund the fee and assure me the account is now set to be closed. 

XX/XX/XXXX Fee again. Account still not closed. Finally called tonight XX/XX/XXXX before the next one hits. I spoke to XXXX agents. The first one was very hard to understand but I love talking to customer service people, so I'm a fun guy. I even hate that it would get to this point. A strange letter arrived XX/XX/XXXX dated much earlier that I will enclose. 

So, fee refunded again and account will be closed. I ask how can I be assured after what I have been through so far. Not that I don't trust him, but it was the exact same conversation each time, given the script it makes sense. He told me it turns out it can't be closed and he doesn't know why. " Is there anything else? '' Yes. How do I follow up on this after it doesn't work. No disrespect to you, you seem cool, but, you know? " I'm sorry sir is there anything else I can help you with? '' I said Yes sir, there is. I still need to know what to do if or when this doesn't work. He said " Oh. OK, I understand '' and Hung up on me.

I called back to see if there was any way for me to file a complaint about the agent I spoke to previously and explained what had happened. " I'm sorry sir, What do you want me to do? ". I want you to tell me if there is a way and if so what is the way to file a complaint about an employee who was rude and hung up for no reason. He said ( very rudely ) " Sir, Is there something I can help you with tonight? I don't understand your problem. I said I don't have a problem, per se, I just want to know if they keep track of who I have talked to and if I can file a report on that agent. " I do not understand what you want me to do. '' I have to be completely honest here. I don't ever mistreat CS employees. I've been in that position. Anyway, I pretty much lost my mind and yelled at that point. If you can't understand clearly spoken, native, college educated, non accented American English why do you have this job? this is why I can't get my account closed. With some words I won't type here and hung up because I've had enough.
Product: Credit card or prepaid card

I received an alert on my credit report that a card had been opened through Capital One Cabela 's. I had not applied to Cabela 's for an account and it happened twice. i contact Capital one and they said they are taking care of the fraud. suggested I report this issue. I also received a letter in the mail Department of Labor with a fraudulent Unemployment Claim being filed.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }. 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately. 

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 
Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account NameXXXX XXXX Date openXXXX Account NumberXXXX Reason for dispute_IDENTITY THEFTXXXX Account Amount_XXXX  Account NameXXXXXXXX XXXXXXXX Date openXXXX Account NumberXXXX Reason for dispute__IDENTITY THEFTXXXX Account Amount_XXXX
Product: Debt collection

Contacted my employer and left a message with my human resources department. I sent written notice to not contact my employer on XX/XX/2016.
Product: Credit card or prepaid card

On XX/XX/2021, I received a letter from Synovus, stating that my personal credit card payment for {$22.00} was returned for No/Unable to locate account. This was probably the third time I had tried making the {$22.00} payment, which was the only thing I owed on the card. I had attempted making my payment at least twice online from my checking account, which I also have with Columbus Bank & Trust/Snynovus to no avail. A received at least one additional letter which stated my other payment attempts online, and one attempt through their customer service ( phone ), were all rejected. I couldnt understand why, considering I had close to {$5000.00} in their bank at the time, the same bank who owns my credit card. The last letter I received stated my account was closed. I once again called the customer service line and read off the routing number and account number straight from my checkbook, to ensure that the payment would go through. Like the first time I called, I was told the payment would post in 3-5 buisness days. I also sent an online message on XXXX XX/XX/2021 explaining the aforementioned and received a reply from XXXX XXXX, from Synovus Customer Care, who referred me to XXXX XXXX, which I contacted, however they told me to contact the bank instead. I felt like I was being bounced around, and was frustrated, considering I obviously had no problem paying the {$22.00}, but for the life of me, I couldnt get anyone to take my money! As my last ditch effort, I once again contacted Synovus on XXXX XX/XX/2021 and explained the aforementioned. I have not heard from anyone, as of today ; XXXX XX/XX/2021. I did however, notice that my credit scores in XXXX, which Ive had above XXXX pts for years, dropped from XXXX to XXXX based on Synovus Cards services input, which I find very unfair. Im asking for the bank/credit card service to please consider my stellar credit history, and my numerous attempts in paying the {$22.00}. I ask that this derogatory entry on my credit report be withdrawn, hence my original credit score of XXXX reinstated. Thank you. XXXX XXXX ( XXXX ) XXXX-XXXX. XXXX XXXX
Product: Debt collection

I HAVE BEEN TRYING TO GET THIS COMPANY TO REMOVE THIS INACCURATE INFORMATION THEY ARE REPORTING ON MY CONSUMER REPORT I HAVE REACHED OUT TO THE CREDIT BUREAUS, THEY ARE TELLING ME TO CONTACT THE COMPANY ITSELF I HAVE DID THAT THEY KEEP TELLING ME ITS THE REPORTING AGENCY THATS DOING THAT NOT THEM. THIS COMPANY IS REPORTING TWICE ON MY. CONSUMER REPORT THE DEBT WAS PAID BY THE IRS AND THE COLLECTING AGENCY. FROM THE ORIGINAL CREDITOR I NEVER RECEIVED A 1099C FORM FOR ORDINARY INCOME ( CANCELLATION OF DEBT FORM ). THIS IS. CLEARLY A VIOLATION. OF 15 USC SECTION 1681EB. ALSO YOU KEEP UPDATING THIS AS IF ITS A NEW ACCOUNT. ALSO 15 USC CODE 1681S-2 ( A ) ( 1 ) ( A ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER OR ANY CONSUMER REPORTING AGENCIES THEY ARE REPORTING INCORRECT INFORMATION. IRS DEFINES A CHARGE OFF AS GROSS OR ORDINARY INCOME. INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX {$3400.00} XXXX XXXX XXXX CO XXXX {$21000.00} XXXX XXXX XXXX CO XXXX {$18000.00} XXXX XXXX  XXXX XXXX {$2000.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XXXX  XXXX {$65000.00} XXXX XXXX  XXXX XXXXXXXX {$1600.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$750.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX  ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I am writing to request the removal of a debt entry from my credit reports. 

Account Details : Creditor : JPMorgan Chase XXXX : {$4300.00} Account Number : XXXX JPMorgan Chase has written off this debt, and I now seek the deletion of this entry from all three major credit bureaus. In light of the recent financial scandal involving JPMorgan Chase and XXXX XXXX, which led to a substantial XXXX, it is in the best interest of JPMorgan Chase to avoid additional negative publicity by addressing this matter promptly and fairly. 

I expect this entry to be removed from my credit reports without delay. If necessary, I am prepared to escalate this issue to ensure my rights as a consumer are upheld.
Product: Debt collection

I am being threatened and harassed by Capital Management Services over a credit card debt currently in dispute with XXXX/Visa.
Product: Checking or savings account

I'm filing a complaint against wells fargo for charging me a additional overdraft fee of {$35.00} for no apparent reason I spoke to a escalation team representative XXXX badge # XXXX he claims my account was overdrawn by {$30.00} before I overdrawn my account but looking through all my transactions that is false because if it was overdrawn by {$30.00} it would have never let me overdrawn the account if that was the case through all the transactions of the XX/XX/24 there was money in the account the extra overdraft fee I was charged for claims when I made a withdrawal for {$53.00} at the bank that's what I was charged for but I had {$3.00} left in the account so it was never in the negative below I will have pictures showing my account and would like this matter investigated
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. This is my second and final attempt to resolve this matter amicably. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX