23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX In accordance to FCRA ( 1970 ) 15 U.S.C.1681 and CFPB. My latest credit inquIries are showing excessive amount of inquiries that I did not authorize.

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

I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you. 
1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of 1882, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose. 
3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold. 
5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations 2007 and what actions he or she has taken in relation to this account Instructions I hereby give you twenty ( 20 ) days to reply to this notice from the above date with a notice sent using a recorded post and signed under Full Commercial Liability and Penalties of Perjury assuring and promising me that all of the replies and details given in the above request are True and without Deception, Fraud, or Mischief. 
Your said failure to provide the documentation within twenty ( 20 ) days from the above date to validate will constitute that You agree to the following terms. 
That the debt never existed at all ; or it has already been paid in full and that ANY Damages Suffered You will be held Culpable and you will no longer pursue this matter any further and You agree to pay all Fee Schedules. 
Please note : I wish to deal with this matter in writing and i do not give your organization permission to contact me by telephone, should you do so I must warn you that the call constitute harassment and I will take action under Section 1 of the Protection From Harassment Act of 1997 and the Administration of Justice Act 1970 which make it a Criminal Offense for a creditor or a creditor agent to make demands for money, which are aimed at causing Distress or Humiliation.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$13000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

{$500.00} past due have not paid it because am a victim of identity theft i have calls them but nothing was resolved i told them i was a victim of identity theft my phone number was used to open the account i did not give them my number
Product: Credit card or prepaid card

I submitted a written request to close my account to Elan VISA on XX/XX/2020 using Elan 's web portal I '' secure message '' ) communication facility. My account has a XXXX balance and I have placed a lock on the account so no more charges accrue to the account. 

The company insists that I have to speak to someone. I have received a couple of voice mails from the " Office of the President '' requesting I call them back. 

I do not wish to engage in a phone dialog. I simply want my account closed based on my written notice and that has not happened.
Product: Debt collection

LVNVFUNDING is an account i dont own or recognize. I never received any court summons and did not accumulate this debt. The company is trying to do garnishment of my check and they put all these false late fees that are damaging my credit in a very negative way. I called the collection company and the lawyer they refused to help me.
Product: Mortgage

Im joint tenant of a property in XXXX  XXXX and the primary owner is now deceased.. Freedom mortgage company is refusing to allow me to become the successor of interest after I had provided to them the grant title deed and death certificate of the deceased primary owner..
Product: Debt collection

Velocity LLC purchased a debt and did not properly notify me of the debt. I never received a debt validation letter, phone call, mail, or email in regard to the alleged debt owed. Velocity LLC then hired XXXX XXXX XXXXXXXX XXXX and field a lawsuit against me, without ever notifying me of the debt owed, the amount, or who they purchased the debt from. After having to research MYSELF who the original creditor was, I found that Velocity LLC violated the arbitration agreement that states we BOTH waive our rights to court proceedings and ANY DISPUTE would be handled privately in arbitration. I was never notified that I had the right as a consumer to dispute the debt before having a lawsuit against me.
Product: Vehicle loan or lease

My credit report shows 3 inaccurate missed payments from my Regional Acceptance Co. from 2018. I have attempted to rectify this with them, however I never heard anything back from my original dispute letter sent to them. 

I paid off the auto loan in full in XXXXXXXX XXXX These missed payments are hurting my credit scores, and it's making it very difficult for me to provide for my wife and 3 children now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment due on XX/XX/XXXX for {$29.00} that was paid on XX/XX/XXXX. There were no notifications of a late payment for the XXXX payment, no phone call or email although I received over 25 emails during that same timeframe for marketing and solicitations to shop at the store and an additional 5 notifications via mail. Upon calling the company to discuss the matter, the supervisor told me that they only report delinquency to the credit bureau after a payment is 60 days late then refused to make the update to the payment history since it was not 60 days late and only 35 days late. Per their own stated policy of 60 days, there should not have been a delinquency reported to the credit bureau. I would like an investigation unto this matter and the credit bureau updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has a open account on my file which as Been paid. In full as of XXXX However it still is reported has not paid. To Bank of America XXXX XXXX XXXX XXXX FL XXXX XXXX I have also sent copies to the Bank and XXXX systems I have Been told no one knows Anything. Please Help Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wis. My old address That is on my XXXX XXXX file is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana XXXX charge off amount {$160.00}
Product: Credit reporting or other personal consumer reports

FCRA 605B, I think, requires us to delete any wrong accounts from my credit report. Can you please check the documents? Some accounts listed are wrong in how they're reported, with wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently leased a car with a 1 time cash payment made up-front. My financing was put through XXXX. 

About four weeks into the lease - on XX/XX/2020 - XXXX  sends me a note saying they have chosen to reject the application for financing given information contained in my credit report. They did say they've made an offer to the dealer to adjust the terms / re-send and that I'm being notified as it's my right to see what is in my credit history. 

Two scores were listed in the notice - XXXX  had me listed at XXXX which is roughly in line with my monthly credit scores I receive from 2 banks ( XXXX & XXXX  XXXX XXXX - always somewhere between XXXX-XXXX  ). SageStream - who I've never heard of - had me instead listed at XXXX which seems way off of any score I've ever seen having watched these for ~4 years now. 

Further, the only reasons given for this low score are - Limited History for consumer at this address [ As if I'm a risk given I just moved cross country - all loans and accounts have not been impacted in this move or my prior moves ] Total account balances Too few retail accounts Too few active accounts [ these all seem similar to complaints from other vendors ].

Finally - when I seek out a consumer entitled report from SageStream I am pointed at their website or fax to submit my request. I also require my social security, detailed perosnal info such as birthdate, and my drivers license. 

I do not feel comfortable giving this to a company that looks partially like a scam and am not given any other options to send this report to either my current address ( whcih to be fair - is 2 months old ) or one of my previous more permanent addresses - of which the USPS could forward the mail as I have my move on file with them ). 

Finally - it seems utterly absurd to me that there is a company out there that seems to be undercutting my credit score via invalid methods. I can understand a 20-50 point swing, but to cause me to not be financed via a score that is >110 points off ( on a loan I paid 100 % in case up front ) seems ridiculous and personally I feel like my consumer rights ( not to mention my right as an American citizen to travel freely in our country having committed no crime or ever failed to meet a financial commitment I've made ) are being impeded.

I've tried to contact the dealer to understand if they received any notice. Ultimately this seems like a shady piece of business from SageStream LLC and potentially XXXX  to find cause to tweak their contracts to their benefit by publishing faulty records on their consumers. 

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

I requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXX XXXX.I received a letter from the United States Bankruptcy Court stating that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/2018. In again resent the information to the credit Bureau on XX/XX/2018 asking to verify this incorrect information. With out even looking into my concern, the resent me the same letter stating that it was verified stating that it was verified by a 3rd party consumer agency called XXXX XXXX. I then contacted XXXX XXXX on XX/XX/2018 voicing my concern ans and filed a dispute.. On XX/XX/XXXX I received verification from XXXX XXXX that the can not verify my Bankruptcy and it has been removed. I would like to have the judgement removed immediately due to the fact that it is not verified and not accurate information. Thank your for your support.
Product: Prepaid card

On XX/XX/XXXX I loaded {$1000.00} each to my XXXXXXXX XXXX  prepaid cards, totaling {$2000.00}. Later that day I received email notifications that both my accounts were closed without giving specific reasons. I called XXXX XXXX XXXXustomer service and was advised I could only write letters to XXXX XXXX  office in XXXX Georgia to communicate on this matter which could not be handled by customer service agents on the phone. 

On XX/XX/XXXX I wrote a letter to XXXX inquiring about the reason for account closure and requesting refund of my balances. On XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX and the letter enclosed with a {$100.00} check. On XX/XX/XXXX I wrote another letter to XXXX to inquire why total balance of {$2000.00} is not refunded and they only sent a check of {$100.00}. Enclosed with the letter are store receipts on XX/XX/XXXX for loading the {$2000.00} fund to my XXXX cards. 

Having not heard back from XXXX for a month, I called XXXX XXXX  customer service for the second time on XX/XX/XXXX. Again, I was told that XXXX XXXX  customer service agents could not handle this and the only way to communicate on the matter is by writing to XXXX So I mailed another letter to XXXX on XX/XX/XXXX, requesting refunding the {$2000.00}. Enclosed with the letter are the receipts and the past correspondences. 

To this day I have not heard back from XXXX
Product: Debt collection

I received a letter in the mail from Midland Credit Management saying that I owe {$1200.00} from XXXX. I do not and have not had an account with the XXXX. When I called the number on this bill, it went to XXXX. There are XXXX different addresses in California on this bill. I have no negative marks on my credit. This sounds like a scam. They wanted to 'verify ' my name and social security number.
Product: Debt collection

Afni, Inc has placed a collection on my credit profile for {$78.00}. The alleged original creditor is XXXX. I have NEVER had services with XXXX. This erroneous collection is tarnishing my credit worthiness when it shouldnt even be on my credit profile to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is still reporting false information on my credit files and now, they started back making false claims about filing a Court Case against. If the want verify or validate the alleged debt, they do n't have anything to file against me in court because the debt is not mind
Product: Debt collection

Calls me at least XXXX times a day even though I am making monthly payments .And have never gotten written notices or bills.
Product: Debt collection

I am writing to dispute the sudden appearance of fraudulent collection accounts on my credit report, which has adversely affected my creditworthiness. I am deeply concerned about how these fraudulent activities were allowed to tarnish my credit report, and I am seeking immediate resolution to rectify this situation. Upon reviewing my recent credit report obtained from your bureau, I discovered the presence of fraudulent collection accounts that were not previously associated with my credit history. The sudden and unexplained appearance of these accounts is alarming, and I question how such inaccurate information could have been included in my credit report. 
Below are the details of the disputed fraudulent collection accounts : XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
I am a responsible and vigilant consumer, and I have not engaged in any activities that would warrant the existence of these fraudulent collection accounts on my credit report. The sudden appearance of such accounts is not only misleading but also damaging to my financial reputation. 
I request a thorough investigation into the origin of these fraudulent collection accounts and the immediate removal of such inaccuracies from my credit report. I understand that, according to the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate and correct any inaccuracies on my credit report within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a picture today from my ex wife about my recent credit inquiry with Chase bank ( it shared personal information about what I was trying to do with Chase Bank ) not only did she open the mail but gladly sent me a picture of it. The issue here is Chase bank without my knowledge or consent changed my mailing address to my ex wifes address. Granted we had an account together 8.5 years ago this account was closed and I have not had any issues until today. My mailing address was changed without my knowledge or consent. I spent 2 hours on the phone with multiple divisions of Chase bank none of which could explain why this happened or how nor did they offer any comfort in trying to research the issue to correct it. I did speak to one individual at the bank and it led me to check my profile to verify my address was correct and it was but there was a separate mailing address line below which stated I couldnt add/change/remove this address and to call the number listed if there were any issues ( which led to my 2 hours on the phone ). My time did not end with a resolution or even a glimmer of hope that this would be done since every individual I spoke to said they couldnt see the error.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following item on my credit report, which I believe is the result of identity theft : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Description : Fraudulent credit card account I have enclosed a copy of my Identity Theft Affidavit from IdentityTheft.gov, which details the fraudulent activity, along with the following supporting documents : A copy of my government-issued photo ID as proof of my identity A copy of a recent utility bill or bank statement as proof of my address A copy of my credit report with the disputed item highlighted Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are required to block the reporting of information identified as resulting from identity theft within four business days of receiving this request.
Product: Debt collection

I started working on my credit several months ago and while doing so a debt for {$13000.00} appeared on my credit report. After researching the debt, it appears a debt for a loan. However, I believe this was a fraudulent loan taken out in my name while I was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. At this moment I had no access to my account or a way to take out a loan but before leaving for my XXXX I gave my relative my personal information so that he could help me fix my credit like his while I was XXXX so I could purchase my family a home once my XXXX ended. It never raised my attention that something fraudulently could have been done with my information until over a year ago I was applying to use " after pay '' and XXXX of the questions it asked was did I own a XXXX. Which I did not and never did. However, that relative I gave my information to did around the time I came home from my XXXX. He also would have had access to my banking information and accounts due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So, i never seen {$13000.00} in my account and have no knowledge of it. 

I submitted a fraud claim recently through another process and never heard anything on it. I ask that this is taken off my credit report because I am currently trying to purchase a home for my family and I and I can't utilize the VA Loan with anything in collections. 

Attached is my XXXX from my XXXX showing that I was XXXX for that period of time.
Product: Checking or savings account

I opened a checking and saving money market account in Key Bank on XXXX and immediately I started haven my name mess up and look like I am a liar even to church facilities were I gave my checks knowing that I had more than enough in my account to covered them. I am very upset with this branch messing with my money and name since I started banking with them. I have tried everything to tried to get this resolved but no help. I have unauthorized transfers that I have been telling Key Bank about an nothing but a nasty and negative response from them after they mess my name up .I got things still coming out of collections due to a game that someone had from Key Bank in my accounts. My funds just started disappearing out of my accounts. I am going to request again my money to be given back to me from this bank. I had made them fully aware and I am going to do it again today in this complaint. I want all the unauthorized transfers to be credit back into my accounts and then a check to be mail to me not deposit back into my accounts. I want my XXXX that was in my account on XXXX XXXX to be mailed to me. I have stated that money I didnt withdrawal out of my accounts someone else from the branch in XXXX Ct that wasnt XXXX XXXX took access of my funds and I want my money back just the same way I had it in my account.I am sick of the fix paperwork to make my account look like I dont have any money in them when I do. This is wrong how many requests does it going to take to get your own money back.It would be nice to see real paperwork fabricated with the correct information like the one I hold that I got from the main office.
Product: Credit reporting

The credit reporting agency keeps publishing that I was delinquent in making my mortgage payments years ago, lists XXXX different mortgage companies with the same account number during the same time period, and continues to delay correcting those discrepancies despite my multiple disputes of their published records. I will attach the credit agency 's XXXX response to my dispute which is clearly nothing more than a discouraging delay tactic that contains no helpful information pertinent to the resolution of my dispute.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Report Number XXXX I AM DISPUTING THE VALIDITY OF THE INQUIRY. None of these inquiries will have my signature on file and unless the company can show a hard copy with my signature, I ask that these inquiries be removed, and an updated report be sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXXXXXXXXXXX**** XXXX XXXX XXXX XXXX XXXX  XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Bank account or service

I believe that I was charged an overdraft fee by BB & T when my account had the funds to cover the charges made. I made a purchase on XXXX, XXXX transactions on XXXX, and XXXX transactions on the XXXX. When I made the purchases on the XXXX and XXXX, I had the funds in my account to cover these purchases. As of XXXX, the transactions made on the XXXX and on the XXXX moved to posted ; meanwhile, the transactions made on XXXX were still pending. BB & T charged me XXXX separate overdraft fees of {$36.00}. XXXX overdraft fee for each purchase : the transactions made on XXXX and the XXXX on XXXX.