23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, I want to start by informing you that Im a federally protected consumer, and I am making this complaint against LVNV Funding, LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never in life given this company any consent to be in ANY type of possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is in FACT a billing error. Please provide me with documentary evidence of the obligors indebtedness.

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce me into making some sort of payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence.

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LVNV Funding, LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding, LLC, continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding, LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Mortgage

Having extreme issues closing. Asking for documents that have been submitted multiple times. Unable to reach anybody at any decent time. Closing date being pushed out once now possibly a second time. The day before closing now at XXXX XXXX we still dont have a time to be at closing tomorrow. Unable to talk to anybody about this matter. This whole process has taken seven weeks and it is still not finished.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair reporting act XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS FIRST ACCOUNTS I ISSUSED A UCC-11 THAT THEY IGNORED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : they are not the orignal creditor XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights in so many ways please note : 18 U.S.C 8 Obligation or other security of the United States defined 15 U.S.C 1681 SECTION 602A ( 4 ) STATES THAT THAT MY RIGHTS TO PRIVACY SHALL BE RESPECTED 15 U.S.C 1681B ( A ) ( 2 ) STATES YOU NEED In accordance with the written instructions of the consumer to whom it relates. WITCH THEY DO NOT HAVE ITS MANY MORE VIOLATIONS SUCH AS 15 U.S.C 1692 ( D ) 15 U.S.C1692 ( C ) A 15 U.S.C 1692B ( 5 ) 15 USC 1692B ( 2 ) USC 1692E U.S.C 15 1681Q 15USC 1681S -2 USC 15 6802 IF I NEED TO BE A LITTLE MORE DETAILED PLEASE LET ME KNOW. NO THIRD PARTY INCLUDED
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account with XXXX. This debt is not mine. I have enclosed a copy of my FTC Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. 
I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that give an identity theft victim document related to an account if the victim asks. Please send me copies of all records relating to this account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with this account Records of phone number used to activate or access this account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done. Also do the following. 
Stop collection proceedings against me Stop reporting false information about this account to credit reporting companies Provide me with the records I request Thank you for your cooperation
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Product: Debt collection

I keep trying for the last year to reach out to the debt collection company to settle the debt but no one responds. I asked for proof because the amount they have versus the amount I have from the original debt doesnt match. I also asked for a settlement amount so I can get rid of the collection. No one ever responds.
Product: Credit reporting or other personal consumer reports

the following inquires are unauthorized and are not supposed to be on my report XXXX XXXX XXXX XXXX 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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 These companies pull my credit without my permission so therefore I filed a report with identity theft.
Product: Money transfer, virtual currency, or money service

Hi! My PayPal account is limited by mistakely. For verification in PayPal you need to submit your documents. I provide all documents to PayPal XXXX documents in my local language XXXX and PayPal limited my account and freeze money for 180 days.
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.

XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX : # XXXX, XXXX Acct # XXXX XXXX XXXX Acct # XXXX, 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 reporting or other personal consumer reports

I have an issue with getting the credit bureaus to investigate my credit report. I noticed there were numerous inaccuracies listed so I reached out to them and asked them to fix it but they have failed to. I asked them to verify them and they didn't do that. I asked them to send me the information to contact the furnishers and they didn't do that either. I sent them all the information they requested yet they have not corrected my report.
Product: Credit card or prepaid card

Crypto.com Visa card has freezed my card 4 months ago after disputing unauthorized transactions and they refused to resolve my complaint or give me access to my funds and utilizing my account funds as a weapon against me {$4000.00} USD
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to say I called Each credit reporting agency spoke to their consumer relations department and asked about the student loans I have on my report 12 as a matter of fact 2 for each loan I have they all agreed that yes in fact each loan was reporting twice and that they would have wait on XXXX to tell them there is an and the accounts should be removed how is that possible given that XXXX was given a set of rules " Metro 2 '' Guide lines section 8 of that guide line for student loans says : " For Multiple Disbursements of the Same Loan Combine multiple disbursements into a single account.

Retain the original Consumer Account Number.

Retain the original Date Opened of the first disbursement.

Increase the Original Loan Amount, Current Balance, and Scheduled Monthly Payment Amount ( when in repayment ) to include totals for all disbursements '' Then even gives and example on how it should report just in case the company on the other side can not read I guess. 

So how is it that XXXX Trans Union And XXXX are not aware of the rules or is it they just dont care as to the harm they are causing according to the FRCA '' Asarule, itsillegaltoreportinformationthat youknoworbelieveisinaccurate.Youhave reasonablecausetobelievethatinformationis inaccurateifyouhaveknowledge, otherthan allegationsfromtheconsumer, thatwouldleada reasonablepersontodoubttheaccuracy oftheinformation.FCRASection623 ( a ) ( 1 ) ( A ) '' Are the Willfully Non Complaint UNDER THE FCRA and dont care that they are causing undue harm to myself and my family or are the just untrained and lazy?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/1991 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX mi XXXX i have submitted my correct paperwork for incorrect reporting with police report and all required documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX Account in Full on XX/XX/XXXX. I disputed the balance with Equifax 5 times and it still appears on my credit reports as unpaid. I sent them the paid letter form the collection agency. But rather than researching the account balance Equifax has verified my identity which I have never denied. I am attaching the paid in full letter from the company as well as my bank statement showing the date that the item was paid in full which was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts and I did not authorize these credit inquiries. Additionally, there are some addresses on my report that aren't mine or I have not lived there.
Product: Mortgage

I have a mortgage on my house which is serviced by Mr. Cooper. I sent my XXXX payment and included extra to be applied to the principal. Our payment is {$1200.00}. 
Every month we make a {$1300.00} payment and have {$56.00} in additional principal applied to our loan. On XX/XX/XXXX, they applied the regular payment, but only {$6.00} to additional principal. When I contacted them, they said that they applied XXXX {$25.00} Early Payoff Quote fees. I was never made aware of any prepayment fees that applied to this loan. This is unfair. Please help.
Product: Credit card

I am writing to formally dispute a store credit card account on my credit report that was opened based on misleading or deceptive information. The account in question is as follows : XXXX. Dispute of Credit Card Account Due to Misleading Information XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


I was misled into opening this store credit card due to misleading information provided by the salesperson or creditor. At the time of application, I was not fully informed about the terms, fees, interest rates, or the implications of opening this account. This constitutes a violation of consumer protection laws, specifically the Truth in Lending Act ( TILA ) and Fair Credit Reporting Act ( FCRA ).
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 : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX 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

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Transunion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : XX/XX/XXXX- Inquiry : XXXX XXXX, XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX - XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXXXX/XX/XXXX - Inquiry : XXXX XXXX, XXXX XXXX XX/XX/XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XX/XX/XXXX- Inquiry : XXXX XXXX, XXXX XX/XX/XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XX/XX/XXXXXXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XX/XX/XXXX- Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XX/XX/XXXX - Inquiry : XXXX XXXX, XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Student loan

I consolidated my Direct Loan in XX/XX/XXXX. They were my loan servicer for many years and I made my regular payments on time. The loans got assigned to XXXX XXXX in XX/XX/XXXX. I again made all of my regular payments. I am in the PSLF program so I had to transfer my loans to fedloan servicing. I kept meticulous records so when I asked for a summary of my payments that counted toward PSLF they were short many payments. They claimed that several payments occurred while I was unknowingly receiving a deferment so I filled out the paperwork and had those removed. My statements from XXXX throughout the first 6 months of XXXX showed 72 qualifying payments. In XX/XX/XXXX after they received my employment certification the monthly bill showed that I had made 84 qualifying payments. On XXXX XXXX, XXXX my bill now showed that I only had made 50 qualifying payments. No explanation was given. I called fedloan and they said it was a computer glitch and it would be fixed in 60 days. It was not. After many phone calls they finally said that it would be fixed in XX/XX/XXXX. On XX/XX/XXXX, I received a statement from them verifying that I had only made 65 payments with no explanation and no dates of the payments that didn't qualify, just a summary of my work experience and the total number of qualifying payments. After examining the document it appears that only XXXX payment from XX/XX/XXXX to XX/XX/XXXX counts toward PSLF, even though I made nearly two years of payments during that time. No reason was given. On the XX/XX/XXXX billing statement the 65 PSLF payments were reduced to 56 qualifying payments. Again no reason was given for the discrepancy. I have contacted them but their customer service agents did not have any answers. I tried to get a manager in the department that could help me but I was told they don't take phone calls. I am within two years of having my loans forgiven so I can only assume they are deliberately taking these payments away. Fortunately I have kept the necessary records and sending those in to you so that you can correct this. After researching XXXX online many other borrowers are having the same issues with missing payments so I believe this is a fraudulent practice and they should be removed as a servicer. I am attaching a summary of the payments to XXXX XXXX, XXXX XXXX ( XXXX ) and the fedloan summary. I am not sure which of the XXXX payments they took away that was previously approved by XXXX. While researching I found two additional payments that they missed before, the {$220.00} payment on XX/XX/XXXX to Direct Loans and the {$390.00} payment to XXXX XXXX on XX/XX/XXXX bringing the new total to 30 payments they are trying to take from my qualification. I am sending the documentation for those. As fedloan hasnt told me which of the other payments they are not counting I am sending their own summary of the payments that qualified previously with the documentation removing the deferments/forbearance that allowed those payments to qualify.
Product: Debt collection

I tried communicating with them XXXX XXXX and they keep playing games it 's my credit report I keep disputing in and they keep removing it and putting it back on there making my credit go down and down and down they are making this a joke and I keep letting them know by communicating with them that this is not my account and it 's fraudulent they keep harassing me every single day and they do n't want to listen to anything I have to say my credit report agencies have communicated with them but they do not wish to do anything please have them remove this from my credit report they keep taking it off and putting it back on two cause my credit to go down even worse they called me and told me they will keep doing and threatening me
Product: Debt collection

Ive been trying to get my money back from earnin after closing my account but they said they would have to make debits in orders for me to fully close my account and get the money Im owed Im just frustrated because I feel like Im paying and waiting to use my money when that should not be the case I want my money as soon as possible as I have needs and no one at earnin is taking my concern seriously and are dragging out a closing of an account and distribution of funds
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. 
XXXX XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT ADJUSTMENT XXXX XXXX XXXX NATIONAL CREDIT ADJUSTMENT XXXX XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX XXXX - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX. - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX - XX/XX/XXXX - dispute submitted
Product: Credit card

I am receiving daily text messages from Citibank concerning a Citibank credit card. 
I have no business relationship with Citibank. None whatsoever. 
I have called Citibank and asked that the text stop. Citibank acknowledges sending the texts to me, and promises they will stop. 
Citibank continues to send me texts. 
Again, I have no business relationship with Citibank. No account, no balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unverified item is being reported in violation of federal law. 
XXXX XXXX They are required under the FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) to have a copy of the original documentationon file to verify that this information is mine and is correct.