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

Previous complaint #. XXXX. Shellpoint did NOT address why I have a 30 day hit on my Credit Bureaus from XXXX XXXX This should not be there especially with the explanation that was previously given. I have not been 30 days past due and this needs to be removed. I have spent the past 5 months trying to get this rectified.
Product: Debt collection

I am writing to dispute the collection account listed under my name for an outstanding balance of {$680.00}, reported by LVNV Funding LLC. The account was opened on XX/XX/year>, and it was placed for collection shortly thereafter. 

I have previously disputed this account with LVNV Funding LLC, as I have no direct business relationship with them, and I do not believe this debt is valid. Additionally, I have requested proper verification and supporting documentation to substantiate the charges and the legitimacy of this debt. However, the company has failed to respond adequately to my requests or provide the necessary proof. 

As a result, I am formally requesting that this account be removed from my credit report due to lack of verification and the absence of proper documentation proving that I am responsible for the debt. Furthermore, I am requesting confirmation that LVNV Funding LLC has no right to report this debt, as I did not directly engage in any business with them, nor have I received the required verification. 

I would also like to clarify that the account is marked as disputed by the consumer on my credit report, and I request that the necessary corrections and updates be made to reflect this accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card from XX/XX/XXXX XXXX last week but it showed application failed to submit. In this week I found that there is a hard inquiry made by this company. I tried to contact this bank but no one answers.
Product: Credit reporting or other personal consumer reports

One main financial has repeatedly violated my consumer rights.OneMain Financial Subject : Formal Request to Delete Inaccurate Account Information Dear Sir/Madam, I am writing to formally dispute inaccuracies in the information reported on my account with OneMain Financial. Upon reviewing my credit report dated XX/XX/year>, I identified several errors that significantly misrepresent my account history. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my creditworthiness. 
The following issues are of particular concern : Reported Balance : My balance is listed as {$12000.00}, which does not accurately reflect my payment history or current balance. I do not have a contract with One Main Financial. 
Payment History : The report claims I have made only 50 % of payments on time, which is false. This violates 15 usc 1661i. Willful misconduct.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), inaccurate or unverifiable information must be deleted or removed from my credit report. Specifically : 15 U.S.C. 1681i ( a ) : You are required to investigate disputed information within 30 days of receipt of this letter.

15 U.S.C. 1681s-2 ( b ) : As the furnisher of information, you are required to conduct a reasonable investigation and promptly delete inaccurate, incomplete, or unverifiable data from credit reports. 
Given the inaccuracies in the information provided and the harm it has caused, I am requesting that the account information in question be immediately deleted from my credit report. 
Please confirm in writing that this account has been deleted, or provide documentation verifying the accuracy of the reported balance and payment history. If the account is not deleted or properly verified, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. Additionally, I reserve the right to pursue legal remedies under 15 U.S.C. 1681n ( civil liability for willful noncompliance ) and 15 U.S.C. 1681o ( civil liability for negligent noncompliance ).
Product: Debt collection

walden asset management is leaving voicemails threathing to file a greivence if I did n't return a phone I saved the messages XXXX were lft in 5 days
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Duplicate and Fraudulent Accounts - Case : [ Police Report Number : XXXX ] Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding a duplicate account that has been opened fraudulently in my name. I kindly request your assistance in resolving this matter promptly. The details of the fraudulent accounts are as follows : XXXX. Account XXXX : XXXX XXXX  Account XXXX : XXXX XXXX. Account Name : XXXX Account Number : XXXX I would like to emphasize that I was not present in the country during the entire period when these accounts were active, specifically from XX/XX/XXXX through XX/XX/XXXX. As evidence supporting my claim, I have attached a copy of the police report filed regarding this fraudulent activity. The police report number is XXXX. 

Additionally, I have also filed a complaint with the Federal Trade Commission ( FTC ), and the corresponding complaint number is XXXX. I kindly request that you coordinate with the FTC to expedite the resolution of this matter. 

These fraudulent accounts have caused significant hardship in my life, both financially and emotionally. I urge you to take immediate action to remove these accounts from my record. I kindly request that you thoroughly investigate this matter, ensuring that my personal and financial information is protected from further misuse. 

I appreciate your attention to this urgent matter and your dedication to consumer protection. Please feel free to contact me via the provided contact information if you require any further clarification or documentation. I look forward to a prompt resolution of this issue. 

Thank you for your assistance.
Product: Credit card

XXXX 2014 I applied for a Sams credit card by phone. I told the lady on the phone I was using a captell phone for the hard of hearing and deaf. She was aware of my situation. I was told to get credit cards to build credit because I have never had credit cards before. On the phone the lady told me they were offering 0 % interest rate on the card. I accepted because I was told that was good otherwise I would have never accepted if there were interest rates. I was approved for the credit card in the amount of {$4000.00}. I did use the card and I have been paying on it every month. As months went by I notice they were charging more on my monthly payments racking the interest rates up. I was having a hard time paying all that money. The payments started at {$25.00} then I started paying {$55.00} a month every month then it started going up and up into the XXXX 's I am like wait a minute this is not right. Every month it be more then what the actual payment is suppose to be. I got laid off work and I still tried to make the payments. I called and explained and they lied to me about the interest rates. I filed complaints they agreed to credit some of the payments. In my mind why would they credit most of the payments because they admit they made a mistake. I told the I will not make anymore payments until they correct my account because I have been paying on it every month and that they lied about the interest rates. I am not paying until they remove their name from my credit report. They know they made a mistake because other wise they would have never credit the payments. I am asking that they fix my account because it should have never been closed in the first place if I was making payments on it every month being a loyal customer until they started cheating XXXX with the interest rates and lied about the interest rates. I am now being XXXX on my credit report because of them. I ca n't or not allowed to obtain credit with anybody else because they XXXX up on my account for something I was making payments on every month and this is not right that they are at fault for everything. I want them to credit me back what they owe me and take their name off my credit report. They knew I ca n't hear so they will use my XXXX against me to say I did n't hear the lady right. I have a phone that types everything the party says and I know they would not make a mistake on what the other party said. They can get fired for that. This is a government agent on the other line typing my messages. I copied all my seven months payments to attachment that I made to sam 's club card.
Product: Mortgage

I am in the process of XXXX my home. When when the company I am refinancing with checked the title it still had a lien on it that I paid off on XX/XX/year>. That bank that I had the XXXX  with ( First Commonwealth Bank ) removed the lien from the credit report but did not remove it from the title. When my mortgage lender attempted to call to get this resolved with First Commonwealth Bank... he got the run around and no resolution. I just got off the phone and after XXXX minutes and being placed on hold XXXX times I also got the run around with no resolution. They said they couldn't find the loan because it was so old ( XXXX ) and there was nothing they could do. So now I can't ever XXXX? This is unfair, don't banks keep records?
Product: Student loan

I have received multiple calls regarding loan forgiveness programs that are available with the settlement of the Navient lawsuit. From my understanding this seems to be a scam. I'm not sure how I need to handle this but I am getting multiple, harassing phone calls. They ask for very specific information and try to charge a fee for their " services. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$510.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with original creditor ( 01 XXXX XXXX XXXX XXXX XXXX ) and has been confirmed.. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claim and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

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 without my written instructions. 

It is not my name on debt. 
I have been living in same address for more than 10 years. Never had those services. 
Never had knowledge of debt until it hit credit reports and lowered points. 

XXXX AND EXPERIAN Lowered score wrongfully.
Product: Mortgage

PLEASE SEE ATTACHED NOTICE OF ALLEGED BILLING ERRORDISPUTE, PAYEE IDENTIFICATION DISCREPANCIES, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES IN CONNECTION WITH CONSUMER [ NONBANK ] MORTGAGE LOAN ACCOUNT NOS. : XXXX AND XXXX, INSURED BY THE UNITED STATES FEDERAL GOVERNMENT [ AGENCY CASE NUMBER : XXXX AND RECEIVABLES. XXXX XXXX XXXX, XX/XX/2023 PLEASE SEE ATTACHED NOTICE OF ALLEGED BILLING ERRORDISPUTE, PAYEE IDENTIFICATION DISCREPANCIES, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES IN CONNECTION WITH PROPERTY OWNERS AND CONDOMINIUM UNIT ASSOCIATIONSACCOUNT NOS : XXXX, XXXX, AND XXXX, INSURED BY THE UNITED STATES FEDERAL GOVERNMENT [ XXXX XXXX XXXX XXXX XXXX ] AND RECEIVABLES. XXXX XXXX XXXX XXXX XX/XX/2023
Product: Student loan

On XX/XX/year> Navient agreed to a settlement regarding predatory loans made between XXXX. XXXX of my XXXX loans were forgiven, but the remaining XXXX ( that were obtained within that same timeframe ) are still requiring payment. I have contacted Navient several times to discuss why these remaining XXXX have not been cancelled, but the reps just advise that they are not eligible with no actual reason as to why this is. I have also had an enormous amount of interest added ( more than double the amount of the original loans ), partially due to Navient steering me to apply for forbearance instead of any type of income-driven repayment plans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA my rights are being violated by the bureau. I initiated a dispute on XX/XX/XXXX and no results were yielded. I placed a complaint with CFPB 60 days from the initial letter on XX/XX/XXXX. The bureau was given 60 days to verify this inaccurate information already. This is a violation of my rights to extend any more days to verify inaccurate information. The bureau needs to delete this inaccurate information immediately. I have attached the company 's response to my complaint, my license, the dispute letter and bank statement.
Product: Debt collection

I was able to take a look at my consumer report. I have found that Credit Acceptance Corporations are using abusive, deceptive and unfair debt collection practices to collect on the alleged debt in reference. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). I extended credit to Credit Acceptance to obtain a vehicle. The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. All extensions of credit are deferred under code 18 USC 891 ( 1 ). Credit Acceptance Corporation is engaged in extortion and racketeering activity by attempting to collect this debt under Title 18 Chapter 42. Failure to make the repayment of this alleged debt has resulted in the use of criminal means by causing harm to my reputation. My consumer report does not include a report containing information solely as to transactions or experiences, furnishing late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). I never received adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Credit Acceptance Corporation has benefited from my uninformed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting documentary evidence specifically the book of account under 15 USC 44 to validate this alleged debt.
Product: Mortgage

This has been an on going process since SPS chose to leave a ups/fed letter at my front door with my final loan modification papers to sign and return. Everything else they send they send 9 times under 3 different names and I get 18-24 pieces of mail at my primary address as well as my formal address. The attached letter as you can see has my work address and was never sent to either my primary or my formal address. This just goes to add to there unfortunate ways they do business. My loan modification that took 2 years to get approved and I continued to pay the agreed amount of {$1100.00} was put to a stop when I called in XXXX 2017 asking for my final papers. They did send them XXXX/XXXX and it states left at front door. I never obtained nor was a signature required on such an important document. I should not be penalized for something so careless on there behalf. Why would I not return it when I fought for 2 yrs and 2 mediations to get this done. Now with no justification they want to increase my modification over {$600.00} per month in which my income does not support. {$1700.00} plus per month is more than 50 % of my monthly income. This is not justified and I should not have to continue to fight to pay my agreed amount in which the mortgage company I believe purposely set me up to fail.
Product: Debt collection

On XX/XX/year> I ordered a washer and dryer from XXXX online. I paid using Affirm, which I have never used before. On XX/XX/XXXX, I canceled the order and bought another brand from XXXX XXXX, which delivered the next day. I called XXXX to confirm cancellation and was told they would try to cancel order asap. Was told no worries. 
My XXXX XXXX order was recd next day. Several days later I recd call from vendor that my machines from XXXX were arriving next day. I called vendor and XXXXto explain mistake. Both told me no problem just refuse delivery which I did. A few months later I checked my bank acct and found withdrawal from Affirm for {$180.00}. I called affirm and XXXX but was told they would look into it. Then I found 2 or 3 more withdrawals and finally told my bank to stop payment on future withdrawals. I called to complain but got nowhere. Now theyve reported me to XXXXXXXX XXXX XXXX who I spoke to and they dropped case, told me to call Affirm and explain situation again., which I did. XXXX told me he forwarded my complaint to their support committee I never heard back from them. Instead, XXXX XXXX XXXX XXXX XXXX  is now trying to collect remaining XXXX they say I owe. Please help me recover the money they owe me. Thank you!
Product: Checking or savings account

On XX/XX/year> I was charged {$150.00} and I dont know what for! My bank said it was from a company by the name of XXXX XXXX XXXX XXXX. I have no idea who this is nor did I order anything from them nor receive any correspondence with them! I had told my bank that I ordered a cup I supposedly won on XXXX and all I had to pay was {$1.00} for shipping so I gave my card information and almost immediately my account was charged {$150.00} and my bank ; Sofi even flagged my account for fraud before I was able to! I called them right away and they informed me it was frozen do to suspected fraud they would send me out a new card right away and that I could dispute the case in about 2 days was it cleared my account. I filed the dispute and even an appeal and lost both according to them because I had no documents to back up my story but I explained to them I had no idea who they were!
Product: Debt collection

I do not owe them any balance and would like them to acknowledge that.It is showing on my report as a charged off account.
Product: Debt collection

Fraud account already provided documents to creditors and they assured me they would remove from all 3 credit buearus. My score use to be excellent XXXX until this fraud occurred by Ashley furniture. Identity stolen to open fraud account
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX & XXXX are reporting lates on all 3 of my XXXX XXXX accounts : XXXX ... These accounts have been in deferment and these lates are not valid. I have already spoke with XXXX XXXX and they say they are deferred and they gave me proof of deferment/forbearance. I have attached it and i need the late payments removed from my XXXX XXXX accounts. 
They are inaccurate.
Product: Credit reporting or other personal consumer reports

I was reviewing my report in the beginning of XXXX and I've tried to get handled I've reached out to the credit department and still no action has been taken.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result in identity theft. I did not provide written permission it instructions for identification transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : or is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the information related to any transaction by me as the consumer. 
Please remove the listed accounts due to identity theft 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # XXXX XX/XX/2022, 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 1666B : A creditor may not treat a payment on a credit card Account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score XXXX- Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score Experian- Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score