23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I requested the highest available standard to date of debt validation to be performed on this account. The findings of that reinvestigation and the furnishers contact information. I also requested the original contract containing my signature, All charges payments, invoices charge slips, and promissory notes to improve my indebtednedness or any other document pertaining to this account. Nothing has been provided. XXXX has already removed this item from my credit report, I request that XXXX and EXPERIAN follow suit. The law clearly states that any item that can not be verified to be 100 % accurate or is found to be Incomplete must be DELEATED NOT UPDATED!!!! I request the immediate deletion of this item from my credit report. I have been disputing this item for over XXXX months and the damage that it has caused is irreversible. By law XXXX has thirty days to respond to my Request and provide me with these requested doccuments or the account must be deleted. Original contact was made on XX/XX/2024 with proof of delivery by certified mail. Again I request the IMMEDIATE DELEATION of this account from my Experian XXXX XXXX credit report.
Product: Debt collection

After several attempts contacting XXXX XXXX XXXX they refuse to remove a medical collection in their response they sent me back my medical records which is a HIPAA violation also I did not sign a HIPPA release form for them to have the information and when I told them that they still refuse to remove it every time I got on the phone with them they gave me nationalities still have not verified that they sent they sent me back my medical records Which station that half in this letter below whos all the medical records they should not know what I had done at the doctors office oh my doctors name any information like that
Product: Money transfer, virtual currency, or money service

I completed a transaction through paypal with a known individual via friends and family that were completed in XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was notified that sender of the funds initiated a buyers dispute against me and a paypal case was opened. Roughly 20 mins later Paypal unilaterally decided the case in his favor. Paypal has acknowledged to me that he claimed through his financial institution that all transactions were fraud. Paypal reversed the transactions and are claiming that I have to reimburse them approx. {$1500.00}. I have evidence that the transactions were entered into legitimately and with a known individual. I have XXXX posts, messages, as well as a signed document when he took receipt the games that he reimbursed me for. Paypal has advised me that I have no recourse as the transactions were completed via friends and family and the financial institution issued chargebacks. However, XXXX ( XXXX, etc. ) provide chargeback rights for only 120 days after the posted date of the transaction. These transactions exceeded that timeframe not only of the card processor but also Paypal 's own policy of 120 days from the transaction date. Additionally, although PayPal is not truly considered a financial institution, my understanding is they are still held by government regulations such as Reg E. I would appreciate contact if this is a matter that your law firm would be interested in reviewing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021i sent in disputes against many inacuracies i have spotted. Under XXXX XXXX XXXX there was also fraud accounts. I am seeking litigation against these companies and i want to see the original contract these " collectors '' are claiming XXXX XXXX XXXX. The bureaus have taken longer than XXXX days and is affecting and violating my rights and freedom as i am looking to purchase property.
Product: Checking or savings account

The bank was holding my funds/check and when a bill comes thru they would charge me a overdraft fee
Product: Credit reporting or other personal consumer reports

During a extensive investigation into all 3 credit bureaus ( XXXX, XXXX, and XXXX ) I see that there is information that is reportedly inaccurately in my credit reports ( Capital one-account type, high credit, and many more information ). According to the Fair Credit Reporting Act all information across all 3 bureaus should report accurate information which this account is in infringement of not reporting the most accurate information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked.I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : LATE PAYMENT VEROS CREDIT XXXX XX/XX/year> XX/XX/year> CLOSE ACCOUNT XXXX  XXXX XXXX XXXX {$630.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN, XXXX, XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

My name is XXXX XXXX XXXX. I am an XXXX ( soon to be XXXX ) year old, 26 year XXXX XXXX. The reason I am writing is because I was told some very disturbing news that does not makes any sense to me. 

I purchased my home in XX/XX/XXXX. I have refinanced a couple of times over the years for various reasons. 

In XX/XX/XXXXI suffered a XXXX and a XXXX XXXX. At that point I refinanced my house to add my girlfriend on the title in the event anything happened to me. 

I refinanced my home with Quicken Loans on XX/XX/XXXX. 

My girlfriend, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

As I mentioned I am a 26 year XXXX XXXX. This past year I was told there was a program available to veterans that could assist in paying my property taxes on my home. I inquired about the program and was told by my county that information could not be disclosed to me because I did not own my own home. I did not understand what I was being told because I bought my house and have been making payments since XXXX. 

With the help of family we began to try and understand what I was told. 

Supposedly in XX/XX/XXXXwhen I was in the hospital recovering from a XXXX and XXXX XXXX and refinanced my house I am being told I gave my house to my girlfriend by a deed and that I did not refinance it. I do not understand why someone would think I would do this and I am not sure how this is possible. I refinanced my home to add her on to title. I have been making payments on time every month since I bought my home in XXXX. 

My daughter in law contacted Quicken Loans who last did the refinance on my home. She was told on XX/XX/XXXX by XXXX XXXX from Quicken Loans Originating Team that I was in deed on title at closing in XXXX. She further said that the title company is a sister company and she would have documents forwarded to me showing I was on title. 

I am now being told from Quicken Loans that I am not on title and that I have been paying my mortgage on time every month for a home that I do not own. 

I do not understand. 

In looking at my loan application in XXXX ( copy attached ) with Quicken Loans it shows manner in which title is to be held XXXX. Title will be held in what Name ( s ) : XXXX XXXX, XXXX XXXX XXXX. This goes to show that again all parties agreed that I am the owner of my home. Those were the terms I agreed upon when I refinanced my home. That is why I signed every sheet of paper when I refinanced my home. 

I NEVER gave up ownership of my home. I have no money to go anywhere else. I have equity in my home that I can not afford to lose. I need help to get my home back. 
Loan Information : Quicken Loans Inc. 
Loan Number : XXXX Loan to : XXXX XXXX XXXX XXXX XXXX Mortgage Loan Amount : {$66000.00} My address : XXXX XXXX XXXX, XXXX, Ohio XXXX
Product: Credit reporting or other personal consumer reports

I noticed two companies on my credit report I never authorized. I sent Transunion a letter asking them how these companies were put on my credit report. They said they needed to do an investigation, it has been beyond 45 Days. By Fair Credit Reporting Act this is illegal to put false items on someone's credit. I have never done any business with these companies, I ask that they be removed. The account are below. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I opened a Venmo account in order to accept payment from a customer. 

My account was immediately locked afterwards and I have not had acsess to the funds sent. 

Venmo has told me I must send a picture of my ID and wait at least 3 buisness days before a specialist can review this matter. 

I know from reading other users experiences this can take 180 days or even years. 

I believe my account was frozen for no reason because there is no activity besides one payment received. I think Venmo is a scam and they purposefull steal money.
Product: Debt collection

I enter into a payment arrangement with representative XXXX XXXX of XXXX XXXX XXXX. According to Mr. XXXX, I had an outstanding balance of {$1500.00} from The XXXX at XXXX. I was surprised because I was currently in the process with XXXX ( from XXXX ) of getting a balance adjustment. According to Mr. XXXX, although I was working things out, that I needed to take care of the bill before he sends it to the 3 credit bureaus. I asked him what can I do to prevent from hurting my credit. Mr. XXXX ensured me that if I make a payment and continue to be current with the payment arrangements that they would prevent any derogatory reporting to any credit bureaus, PLEASE ASK TO LISTEN TO THE CALL RECORDINGS. ( It should be noted they record every call ) Even though I have NEVER missed a payment and/or never later ( they drafts my account ever 2nd of the month ) XXXX XXXX XXXX blatantly violated the agreement by reporting as a late payment, the wrong amount, and being sent to an attorney ( WHICH ARE ALL FALSE ). Please note that following the XX/XX/2020, payment on XX/XX/2020, they reported me late before XX/XX/2020 payment was due. I inquired with Mr. XXXX and he acknowledged that I was not in violation but he continued to try to collect {$470.00} and would remove the account from my credit report. I contacted Mr. XXXX XXXX manager, XXXX XXXX. According to Mr. XXXX, the verified that my account was NEVER late and missed any payments and there was a computer malfunction and that he would immediately DELETE the collections for All credit bureaus. According to Mr. XXXX, he submitted the initial deletion letter on XX/XX/2020. It now XXXX and this company continue to update this account with inaccurate and completely false information. After several attempts to have my account corrected, they continue to lie and refuses to provide me with a copy of the deletion letter and the printed payment history. I have left several messages and now Mr. XXXX no longer responds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$7600.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$400.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$170.00} ; XXXX XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$780.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$60.00} ; XXXX XXXX XXXX AV XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Im aware of the current lawsuit against one Main and I believe that my case falls into this category as well, which is why I have not settled payment with one main. I obtain a title loan with this company who still holds the title to my vehicle The loan amount and the payments are much higher than what I was told at signing Initially, when I called the company, they told me it was for extra products on my account to which I never agreed to This company has been emailing me every single day with settlement offers that are ridiculously high Im unable to pay this amount and refused to pay this amount because this was not the amount that I was told upon signing for the loan
Product: Mortgage

Wells Fargo added charges to my mortgage loan for things I should have not been charged for as I attempted to request assistance with payment problems over and over since XXXX. I was not given correct information for obtaining payment assistance until I started complaining to CFPB. Upon the first complaint, I was finally allowed to talk to a person to seek relief. Their response was the correct XXXX to complete their obligation and the lengthy time and hundreds of documents I uploaded, did nothing but increase my monthly amount due. I was given false information and the horrible treatment I received was deplorable. Each time I requested a modification to lower my payments, I was handed off to another set of people. During the process of trying to get assistance, I have had XXXX people who have indicated they were my " preservation specialist '', and each person always needed papers that I would submit and they would be wrong and they would loose them. The attached documents are for excess fees added to my account that include, but are not limited to : Property Inspections, Late Fees, Hazard Insurance, and Mortgage Insurance Payments. I requested help since XXXX. The attached are an addition to my XXXX complaint and are for XXXX and XXXX. The remainder of years will be submitted in blocks of 2 years to assist with making my complaints less complicated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update these inaccurate accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior request and I'm including it again. 
XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$190000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I initiated a public record investigation with LexisNexis. I received a response dated XX/XX/XXXX stating that LexisNexis removed the item in question from their report but as of this day LexisNexis is still reporting this item to the credit reporting agencies that they report to Case # : XXXX
Product: Credit card or prepaid card

Citi Bank refused to accept payments made to them, stating that the funding bank was holding the funds. After several calls to both the bank and Citi found that they ( Citi ) had lied about the hold and would not credit the payment to the account. Furthermore they did not report the payment/balance decrease to the credit bureau thus lowering my credit score. They further reduced the available credit by over {$22000.00} despite being paid in full and on-time though out the credit history. They would not offer a reason as to why nor did they notify me of the decrease, when i called to talk to them I was hung up on twice for pressing the matter. Later when attempting to make an online complaint about through their website my account access was removed and I was not longer able to login to access any transaction details including this months statement.
Product: Debt collection

XXXX XXXX XXXX XXXX ( 3rd party ) Original debt was with Santander for {$14.00}, XXXX and we don't agree with that amt. XXXX XXXX XXXX called on XXXX ( first time hearing from them ) and threatened to send Summons if we did not arrange a settlement, but I do not have a contract with them.
Product: Credit reporting or other personal consumer reports

Dear Experian, I reached out to XXXX XXXX XXXX ( XXXX  ) on XX/XX/23 via the CFPB - Case # XXXX. I explained to them the following : " XXXX XXXX XXXX has placed me in collection for a " XXXX '' Account. I have not received any communication from them in writing or via phone. I have no knowledge of such account and belive this is an error. I only have XXXX XXXX XXXX '' XXXX have responded stating that they have placed this account on hold and it will no longer be reporting in my understanding. Please remove this account from my credit report as it does not belong to me and is impacting my financial well being greatly. 

XXXX was unable to furnish debt validation upon request or an original invoice. They also did not notify me of the collection account/debt via any type of communication. 

Please remove this account and send me an updated credit report. XXXX has already removed this account from my credit report.
Product: Debt collection

There 3 alleged debts under my name and credit report with Portfolio Recovery Associates. Since the first alleged debt was bought by Portfolio Recovery Associates over 5 years ago. I have Requested NUMEROUS times ( via mail, phone ) on all XXXX alleged debts that they validate, verify and provide me with the original purchase agreement baring my signature. They have failed to furnish and have ignored my requests for any sort of validation, verification, original purchase agreement or any documentation supporting their claim. Even after that, I have filed several disputes with all XXXX credit reporting agencies and in each dispute they have illegal modified what they are reporting to the credit reporting agencies to work in their favor of the disputes. They also sued me for XXXX alleged debt after the statute of limitations had expired in the State I reside in, i did not know about this suit and a judgment was ultimately ordered in their favor. They have not followed FCRA, Violated the law, and have violated my rights as a consumer. Their failure to adhere to the law and the FCRA has caused me great financial harm and difficulties.
Product: Credit reporting or other personal consumer reports

I notice that there are late payments being displayed on my credit report on XXXX, Experian, and XXXX. According to Law FRCA section 605B, it is illegal to report information on my credit report without my permission.
Product: Debt collection

LVNV FUNDING LLC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you LVNV FUNDING LLC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : LVNV FUNDING LLC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXXXXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXXXXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year> XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year> & XXXX XXXXXXXX XXXX  XXXX Date of Inquiry XX/XX/year>
Product: Credit card

I purchased an item from a retail agency ( XXXX ) and it arrived damaged. Upon calling to return the item ; I was denied that option repeatedly despite of their return policy. I called Synchrony bank for assistance, they credit my card but placed the charge back on my account. I submitted proof and they refused to credit my account. Upon talking with the rep from XXXX I was told that the rep from Synchrony was a friend and he was n't worried about a charge-back. I wrote to the XXXX ; however they stated that they could not force a resolution. I canceled my credit card due to Synchrony does not support its customers.