23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX I went into a lease agreement with Carmax Auto Finance for a XXXX XXXX XXXX. My monthly payment was {$490.00} dollars for a term of 74 months. XXXX XXXX I was in an automobile accident that rendered the car a total loss. My insurance carrier XXXX XXXX paid Carmax around {$12000.00} dollars which left a gap of approximately {$6000.00} dollars. They recived payment On or around XX/XX/XXXX. I argued that the car was not worth {$18000.00} dollars and so I should not be responsible for a balance of {$6000.00} dollars. Parts of the car were salvaged and yet Im still responsible for the remaining balance. I received countless phone calls from Carmax Auto Finance after I informed them that I had a hardship due to the accident and was unable to work. This situation has messed up my credit and Iam unable to get another vehicle loan as a result from this balance. They are adding unfair late fees and interest fees even though the loan is closed and charged off. Please investigate this further.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts 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. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I did not authorize or consent to the following information. Please block and remove it. 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 Delete this account immediately : Dispute XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute 2 : Inaccurate Addresses XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Dispute XXXX : Fraudulent Furnished Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Dispute XXXX : Fraudulent Furnished Accounts XXXX XXXX XXXX XXXX XXXXccount XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I trust this letter finds you in good health. I am writing to request a modification to my address information in my credit report. My name is XXXX XXXX XXXX, and my birthdate is XXXX. I currently reside at XXXX XXXX XXXX XXXX XXXX, AL, XXXX. 

I have recently relocated and kindly ask for your assistance in updating my address information as follows : New Address : XXXX XXXX XXXX XXXX, Alabama XXXX I understand the critical importance of accurate data on my credit report, and I am committed to ensuring the correctness of my personal information. I kindly request the removal of all my previous addresses, which were as follows : XXXX XXXX XXXX XXXX XXXX, AL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX I kindly ask that you update my credit report with the new address mentioned above. If any further documentation or verification is required, I am ready to provide it. Kindly confirm the completion of this update by sending a written confirmation to my email address at XXXX or by contacting me at XXXX. 

Your dedication to maintaining accurate consumer information is greatly appreciated. Thank you for your prompt attention to this matter. 

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

I was a victim of identity theft and false and fraudulent bankruptcy ( XXXX ) was reported to my credit report. I have filled a police report and a ftc report and given it to the credit bureau and TransUnion said it would be disputed and never heard nothing back in 2 months. Called again and filled another dispute. And then I couldnt access my report at all through TransUnion website. And now its being reported on XXXX also
Product: Debt collection

I am writing to file a complaint regarding LVNV Funding LLC, which has violated my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in relation to an alleged debt they are attempting to collect. 

Failure to Provide Validation of the Debt : On XX/XX/2024, I sent a written request to LVNV Funding LLC asking for verification of a debt associated with account number XXXX. Despite this request, I did not receive any meaningful response or validation of the debt within the required 30-day timeframe under the FDCPA. As of this date, I have not been provided with any signed agreement, documentation, or proof that I owe this debt, nor have I been given an opportunity to dispute the debt properly as required by law. 

Improper Negative Credit Reporting : In addition, I discovered that LVNV Funding LLC began reporting this account as a negative item on my credit report. This occurred despite the fact that I had formally disputed the debt and was within my rights to do so under 15 U.S.C. 1692g. Under the FCRA, once a debt is disputed, it should not be reported negatively to the credit bureaus until it is validated, yet LVNV Funding LLC continued to report it as a delinquent account. This has caused significant harm to my credit score and financial standing.

Harassment via Communication : LVNV Funding LLC, through its servicer, Resurgent Capital Services, also failed to adhere to my request to cease communication. On XX/XX/2024, I explicitly requested that they stop contacting me regarding this matter. Despite this, I continued to receive phone calls and written correspondence attempting to collect on the debt, which I find to be harassment and a violation of my rights under 15 U.S.C. 1692c.

Failure to Properly Investigate : After submitting my complaints to LVNV Funding LLC and Resurgent Capital Services, their response indicated that no violations occurred on their part. However, they failed to provide the requested debt validation and continued to report the debt negatively despite it being under dispute. Their response also did not address the ongoing harassment through phone calls after I had requested that communication cease. 

Request for Compensation : As a result of these violations, I am seeking compensation for the damages incurred. The violations of both the FDCPA and FCRA have caused undue stress, harm to my credit score, and significant financial distress. I am requesting {$2000.00} in compensation {$1000.00} for FDCPA violations and {$1000.00} for FCRA violations. 

I am filing this complaint to seek a resolution and ensure that LVNV Funding LLC is held accountable for these violations and that they provide the appropriate remedies, including cessation of negative credit reporting and compensation for the harm caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I live in XXXX, Florida and here the residents do not report this to the police, they told me to simply fill out the FTC report ( and I have done that ).

I am getting alot of blow back by the credit bureaus and the companies on my report because I do not include a police report. I then tried to fill out a police resort in the next county to me (
XXXX  ) and that was denied because I do not reside there. I have accounts, inquiries & incorrect spellings of my name that have not gotten corrected because of my lack of paperwork. I have been trying to  get this resolved since XX/XX/XXXX. 
The following are the accounts in question : 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/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The fair credit reporting act requires all consumer reporting agencies to ensure the fairness, accuracy and privacy of all credit reports containing consumers. I have notified equifax that there consumer report of me contains fraudulent and inaccurate items.As described in the fair credit reporting act pursuant to 15 USC 1681e ( 4 ), 15 USC 1681 ( A ) 1, 15 USC 1681e ( b ), 15 USC 1681b ( a ) ( 2 ) inaccurate items must be removed .Equifax still has not given me a list of names of all my friends, neighbors, and etc they interviewed during there investigative consumer report to determine the inaccurate items were accurate pursuant to 15 USC 1681a ( e ) .The fair credit reporting act says they have 5 days to disclose that information to me pursuant to 15 USC 1681d ( b ) .I have included another credit report of mines to show the inaccuracies Equifax consumer reporting contains.
Product: Student loan

I called Navient on XX/XX/2021 to ask if I qualified for a deferment or a forbearance on my loans. I had damaged done to my home because of the winter storm that hit my state. The agent asked for my zip code to verify the area I lived in. She then said that because of the area I was in, my loans and other Individuals who also lived in my state would automatically have their loans go into deferment. I asked how long was the deferment? She replied with just call back when you are ready to begin giving payments. I also asked if she could cancel the autopay which she agreed to do. I was confident in trusting this agent. On XX/XX/2021, I received an email saying that I had defaulted on my loan. I promptly called Navient and was transferred to a male agent. He read off a script and then said how would you like to pay for your defaulted loan? I responded by explaining the situation and he raised his voice saying you owe two payments one for XXXX and one for XXXX. I responded with, you are incorrect because I have had my loans current because of automated payments until this month. It wasnt until he let me explain the situation that he listened. I asked why was I given wrong information from the previous loan agent? I trusted in Navient and they let me down. I hope that this error on their part doesnt show up on my credit report. This agent then put my loans in deferment until XXXX. I then asked if I will receive written notification of the deferment. He replied with yes through email. My intention for this complaint is for Navient to provide more customer service and support training for their agents.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts listed below be blocked and deleted from my credit report due to being a victim of a data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), which allow for the blocking and deletion of fraudulent accounts resulting from identity theft. 
Below are the accounts and inquiries in question : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed a few different inquiries I didnt give authorization to
Product: Debt collection

Multiple daily XXXX XXXXXXXX. Written correspondence ONLY requested. Not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022, TRANSUNION, XXXX, AND XXXX CREDIT BUREAUS REPORTED A DELINQUENT MEDICAL BILL TO MY CREDIT REPORT DAMAGING MY CREDIT. THE ACCOUNT NAME XXXX XXXX XXXX REPORTED I OWED {$480.00}. I NEVER SIGNED ANY CONTRACT WITH THIS COMPANY XXXX XXXX XXXX NOR DO I OWE ANY MEDICAL BILLS. I'VE WRITTEN LETTERS TO ALL 3 CREDIT BUREAUS IN AN ATTEMPT TO VALIDATE THE ACCOUNT AND THEY HAVE ALL YET TO RESPOND TO MY REQUEST WITHIN 30 DAYS WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. THEY HAVE NOT EVEN CHANGED THE ACCOUNT STATUS TO BEING IN DISPUTE. GIVEN THAT ALL 3 CREDIT BUREAUS HAVE REPORTED THIS FALSE INFORMATION ON MY CREDIT, ESPECIALLY XXXX WHICH HAS RECENTLY BEEN UNDER FIRE FOR REPORTING FALSE INFORMATION TO SEVERAL CONSUMERS ON THEIR CREDIT REPORTS, THIS INFORMATION NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I did not open any loans with this financial company. I have tried to contact someone about this matter and have not received a response. I would like this removed from my credit report immediately.
Product: Debt collection

I ordered goods online that were partially stolen in transit. I attempted to send back what did arrive. I filed a police report and provided it to the credit card company and XXXX directly. I spent months dealing with this case constantly being harassed by phone and mail. I spoke with someone in XXXX who said one department had approved the credit to my account in XXXX of XXXX, but the calls and letters keep coming. My personal credit is at risk and Im tired of receiving calls and letters.
Product: Bank account or service

My employer XXXX deposited my payroll check on XXXX/XXXX/XXXX, Chase advised me that the funds would be sent back to the originator because the account was closed and there is nothing due on the account. I contacted my payroll department and they advised me the funds were not sent back to them. I have had to fight with Chase since XXXX/XXXX/XXXX to get my payroll check from them as of today XXXX/XXXX/XXXX I have not received my payroll check of {$310.00} even though I have called every week about it and was asked what high school did I attend and if you do n't answer it correctly for them then they can not answer your question. I informed Chase last week that I would contact the CFPB if I could not get my payroll. I was then transferred to the executive office and then transferred to another department where they gave me the tracer number. XXXX researched it and was told due to the privacy act chase will not release any information on this account. It 's the new year and I still do not have my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$19000.00}
Product: Payday loan, title loan, personal loan, or advance loan

Vystar Credit Union is illegally charging fee, overcharging fees and double dipping on regular payments each month on a Line of credit account in my name. There are several months were I was charged and regular payments deducted from my checking by Vystar without my consent, twice in one month and charged late payments as well and exuberant finance charges again all in one month. Vystar Credit unions are illegally taking advantage of their customers especially those that are elderly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On today I spoke with a young lady who was n't even located in the United states XXXX XXXX with Equifax. I explain to XXXX that their are inquiries that are connected to my report that does NOT belong to me. She was very rude and stated " what do you want me to do about it ''? That I needed to contact the creditors because it is not their job to correct theses errors. I explained to him that I have been going back and forward about this between Equifax and the creditors and no one seems to be able to assist me with this issue. His response once again was " What do want me to do and are you done ''? Along with a CH. XXXX that continues to show on my credit which was removed and placed back.
Product: Mortgage

I am submitting this formal complaint against Flagstar Bank and XXXXXXXX XXXX XXXXXXXX XXXX concerning the mismanagement of my escrow account and failure to pay my homeowners insurance premium. This negligence resulted in the termination of my insurance coverage, ultimately causing substantial property damage and personal financial loss. 

Summary of Complaint : This complaint addresses the failure by Flagstar Bank and XXXX XXXX  to fulfill their obligations under the terms of my mortgage agreement by ensuring timely payment of the insurance premium from my escrow account. 

Background and Facts : Mortgage Transfer : My mortgage was serviced by Flagstar Bank until it was transferred/sold to RoundPoint Mortgage XXXX XX/XX/2024. 
I received Notice from Flagstar assuring me that : " This transfer will not affect the terms of your loan. It will be the same type of loan with the same terms and interest rate. If you have an escrow account with Flagstar, it will transfer to XXXX  XXXX XXXX XXXX, who will make your tax and insurance payments for you. '' ( see attachment ) Escrow Account Setup : As per my mortgage agreement, Flagstar Bank had established an escrow account to cover my homeowners insurance premiums, with the policy set to renew in XX/XX/2024 through XXXX XXXX. 
Failure to Pay Insurance Premium : Renewal notices and billing statements from XXXX XXXX were sent to Flagstar Bank, however, no action was taken by Flagstar to ensure these payments were processed or properly transitioned to XXXX XXXX  Upon transfer, XXXX XXXX  attempted to coordinate with XXXX XXXX but failed to make the necessary payment from my escrow account. 

Resulting Impact Due to the failure of Flagstar Bank and XXXX XXXX  to ensure the continuity of my insurance coverage : My homeowners insurance policy was terminated, leaving my property uninsured. 
Shortly after the termination of my policy, my property sustained water and sewage damage, resulting in significant personal expenses that would have been covered if the policy had remained active. 

Specific Damages : The mishandling of my escrow account has caused damages to my property, including but not limited to : Carpet damage due to water issues. 
Damage to household items due to sewage backup. 

These damages have resulted in substantial personal expenses that could have been avoided if the insurance premium had been paid on time.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX XXXX, I received an email from PayPal that appeared to be intended for internal use. I responded, seeking clarification, but my reply bounced back as undeliverable since it was sent to an unmonitored email address. The following day, I checked my PayPal account and discovered it had been restricted. The account provided vague instructions to submit a copy of my ID, proof of address, and bank statements. Since I have multiple bank accounts linked to PayPal, I submitted the statement for my main account. 

A few days later, I received an email stating that the address on my ID wasn't clear ( despite the photo I uploaded being perfectly clear ), the bank statement was from the wrong account, and my name was incorrect. I called PayPal to understand the situation and what caused the restriction. The specialist I spoke with didn't know the cause but asked if I had ever changed my name on my PayPal account. I explained that I used to go by my middle name, XXXX, and my second last name, XXXX, which is common in XXXX cultures. She asked me to provide documentation of that but couldn't clarify which bank account they needed statements from. I recalled that the email I had received mentioned XXXX XXXX, an account I had closed years ago. 

On XXXX XX/XX/XXXX, I uploaded all the required documents and was told to wait XXXX hours for a response. As of now, I'm still waiting with no update. Phone support assured me a supervisor would call within XXXX hours, but that has not happened. Email support advised me to wait another XXXX hours.
Product: Credit reporting or other personal consumer reports

The listed inquiries were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. 
XXXX XXXX XXXXXX/XX/2024 TransUnion XXXX XXXX XX/XX/2024 TransUnion XXXX XXXX XX/XX/2024 TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX, XXXX XXXX XXXX, XXXX 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.
Product: Debt collection

On XXXX2017 a person by the name of XXXX reached out to me. When she called she stated her name was XXXX from Northstar Location Services. She stated she was calling on behalf of XXXX and asked me '' what can you tell me about that. '' I said I was in the middle of filing legal proceedings against them for failure to investigate my loans as fraud, failure to provide proof of loan validation, and failure to follow fair credit act requirements. She stated that she could help with that and asked me to provide address validation. After doing so, she informed me that she will send the information requested and the call was ended. It was n't until after my call ( which is recorded ) that I researched the company online and found that they are a debt collections agency hired by XXXX. However, I also found out that XXXX is continuing to report the account as " charged off '' " past due '' and continuing to generate monthly bills that they are reporting as not paid on my credit reports. When I called Northstar back to provide this information, I was then informed they are a debt collections agency.