23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint against LVNV Funding LLC, represented by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX, regarding the handling of my account number XXXX. I believe LVNV Funding LLC is violating my rights under the following federal regulations : 1. Violation of 12 CFR 10026.34 ( b ) ( 5 ) LVNV Funding LLC has engaged in misleading practices by providing false or deceptive information about the status of this debt. This regulation prohibits misrepresentation or failure to provide clear and accurate details concerning the debt owed.

2. Violation of 12 CFR 10026.34 ( c ) ( 4 ) ( i ) The company has failed to respond in a timely and clear manner to my inquiries and dispute of this debt, violating the requirement to provide prompt and accurate communication regarding the status of the dispute.

3. Violation of 12 CFR 10026.34 ( d ) LVNV Funding LLC has continued to attempt collection efforts without appropriately investigating or validating the debt, as required under this regulation once a dispute has been raised.

4. Violation of 15 USC 1681-s2 ( 7 ) ( a ) Furthermore, LVNV Funding LLC has not adhered to the Fair Credit Reporting Act by furnishing incorrect or disputed information to credit reporting agencies regarding this debt, despite being notified of the dispute. 

I respectfully request that the Consumer Financial Protection Bureau investigate these violations and ensure that LVNV Funding LLC is held accountable to federal law. I also request that LVNV Funding LLC halt all collection activities until the dispute has been thoroughly reviewed and resolved. 

Please let me know if any additional information is needed from my end. I look forward to your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion 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 Balanced {$12000.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00}
Product: Debt or credit management

I started paying for my rent to be reported to the credit reporting agencys and dispute some charges on my report back in XXXX of XXXX. Rent was never reported and as far as I can tell no disputes have not been filed. Talked to XXXX XXXX a few times. The last being on XXXX Asked for proof of work done got a email that would not download screen shot of supposed work done
Product: Checking or savings account

Hello I been trying to open a account an I keep saying I cant open a account
Product: Mortgage

I am XXXX XXXX XXXX XXXX and we are currently under contract to sell our home utilizing the VA Assumptions process to another veteran and his family utilizing the process as outlined in XXXX XXXXXXXX XXXX. However, we are now passing the 33-day mark and despite the seller and I both engaging with the lender ( Land Home Financial Services ) , we have found a complete lack of transparency. The only information I have received has come via my buyers and has resulted in additional confusion about the process and completely stalled our ability to make decisions about our upcoming duty station change. 

It is my understanding that even if the lender intends to disapprove a VA assumption loan, the packet must still be provided to the VA. I confirmed with the VA that nothing has been submitted to them referencing this VA assumption loan and this makes it impossible for the buyer to take advantage of the fact that they can appeal a disapproval decision by the lender - - as a seller, if this sale is going to fall through then the lack of transparency is resulting in a significant loss of valuable time on the market before my wife and I XXXXXXXX XXXX XXXX XXXX XXXX I know that my buyer has reached out to the VA for assistance - but as the seller with the VA-backed loan looking to support another qualified VA buyer using the entitlement that we have both earned in support of our families I am out of ideas- I am also choosing to reach out to find out if there is an appropriate way ahead to reach an agreement in support of our families and take advantage of the benefits we have both earned through our service.
Product: Vehicle loan or lease

My car loan is with PNC Bank. My car was repossessed on XX/XX/2020. I was not home when it happened. The repo company came to where I was and repossessed my car. I had spoken to PNC Bank on Friday XX/XX/2020. The teller I spoke to recommended that I schedule a visit with a PNC advisor. I thought this was a good idea. My car was repossessed before I could meet with an advisor. I never received any official writing from PNC in the bank. I was not given a chance to get current, nor was I given any kind of notice about repossession, or the possibility of repossession. I feel that PNC Bank was being punitive in repossessing my car, because I mentioned that I was thinking of trading my car in so I could start over.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Account : XXXX XXXX XXXX XXXX Account Number : XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately. I have 6 late payments listed that were paid on time. Consumer agencies need to report all information with maximum accuracy. This account has not be late on payments. I have attached a copy of my report to this compliant on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. There is various inconsistencies and inaccuracies circled on the two year payment history portion of the report. 
I am not requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payment be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

My cashApp account was closed for no reason causing issues with paying for things. Account hacked to many times and nothing was done to correct issue
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint regarding the fraudulent accounts and information you report on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$6600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : Balance : {$780.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX : {$590.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$510.00} XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022. In the event you believe that the disputed items belong to me, I request of you to please send me copies of proof of verification or proof of ownership to support your claims. If you can not find these documents to support your claims, immediate removal of the disputed items will be appreciated.
Product: Credit reporting or other personal consumer reports

I have a large amount of inquiries on my credit report I don't recognize so can it get deleted please!
Product: Student loan

I've spent days on hold with MOHELA with absolutely no way to speak to a human being for assistance. I've literally spent hours on hold listening to the same circular hold music and " guidance. '' I applied for the REPAYE plan well within the required timeline and have not yet seen any response. I applied for REPAYE in XXXX and again in XXXX because MOHELA showed no previous application. Now it shows two applications, both pending for between two and three months now. I've recently been sent a letter stating that my payments will begin on XX/XX/2023 at a rate that's three times what I was told my payments would be under REPAYE. My REPAYE amount should be {$170.00} but I'm being told I'll be auto-debited the amount of {$460.00} which is absolutely not affordable for my family. MOHELA will not respond to any of my queries and there's now no way to chat with support personnel or connect with a person on the phone.
Product: Debt collection

Collection Agency has not provided validation Information under 12 CFR XXXX ( XXXX ) but yet they placed a collection on your consumer report. 
You have not been given a chance to dispute account according to 12 CFR XXXX ( XXXX ) I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of XXXX XXXX XXXX ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

CREDIT COLLECTION SERV ( Original Creditor : XXXX XXXX IN. 
COMPANY ) I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Product: Debt collection

When I first noticed this collection on my credit report, I immediately disputed it due to the fact that I have No knowledge of it. The credit bureaus has not yet removed the items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

I made two purchases using PayPal ( Synchrony Bank ) .The first purchase offered a promotion of 24 easy payments at zero percent interest. The second purchase is a 6 month zero interest promotion. When the bill came due the payments are not separated and the larger amount goes towards the 24 month easy payment plan and no option to pay down the 6 month promotion! There is no option to pay on the 24 easy payment and the 6 month promotion separately which means at the end of the 6 month promotion I will have to pay back all the interest!!! 

In a chat session with XXXX  I was told to make a payment and then call them and they will allocate the payment to the promotion I select so I made a one time payment of {$1000.00} to pay off the 6 month promotion to XXXX XXXX and I was very clear on the phone to PayPal where I wanted the payment to be applied! However they applied it to the 24 month plan instead. I have had 2 chat sessions and 3 phone calls and they refuse to correct the situation. This is completely a scam and fraudulent!! I should be offered two different payment schedules
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this year, I submitted a dispute letter to both Experian and XXXX. The letter was sent certified mail and was received by XX/XX/XXXX. 

The letter was notarized, and included supporting documentation for fraudulent information as well as missing information. 

Although the fraudulent information has been removed, so has some information that was accurate. I am an authorized user on the following accounts : - XXXX XXXX - XXXX - OPENED XX/XX/XXXX - XXXX XXXX - XXXX - OPENED XX/XX/XXXX
Product: Credit card

For the XXXX time, I did not receive a bill for my Home Depot credit card. As a result, my payment was late, since I had no idea a payment was due. Between late fees and " minimum charges '', I was charged a total of {$54.00}. When I complained about this, they refused to credit me back any of these charges, since " too much time '' had passed.
Product: Credit reporting or other personal consumer reports

Upon review of my reports, i have noticed some late payments on an account that i was not late for. The consumer reporting agencies have a vital role and have responsibility to report consumer maximum accuracy to the best of their ability. I have never been late on the accounts that i included in screenshots inside this complaint on the dates of XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2024 XX/XX/2024. 
Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated to PAID as agreed on time as they should be, do to never being late! Thank you please see screenshots attached!
Product: Mortgage

I am a divorced mother to XXXX wonderful children. My ex-husband is a Veteran. In XX/XX/XXXX, we purchased a home using his VA entitlement. In XX/XX/XXXX we had to modify the mortgage after I was placed on XXXX due to a XXXX and was unable to work. We were able to afford the payments after the modification. However we separated in XX/XX/XXXX and he agreed to maintain the payments for the marital home. I maintained the payments for the condo where the children and I are currently living. During divorce proceedings in XX/XX/XXXX, I was advised the property was in default due to nonpayment of mortgage note since XX/XX/XXXX. He was subsequently awarded the home and I was awarded the condo. He was awarded sole liability and responsibility for the marital home from XX/XX/XXXX onward. A Quit claim was filed to him. He was to remove me from all liability associated with the property. He has not done so. I contacted the mortgage company, Planet Home Lending , LLC. The Loss Mitigation specialist advised that " there is nothing we can do for you. You will need to pay the outstanding back mortgage and he would have to refi, modify the loan or sell the property thereby removing your name. '' I advised her that his VA entitlement guarantees the loan in case of default. I was again advised that I will continue to have negative the reporting on my credit associated with the property because I am listed as a co-borrower on the loan. I advised her that the unfair negative reporting practices of Planet Home Lending , LLC. is causing me severe credit casualty. I 'm asking for any relief because the VA has already affirmed that his VA entitlement insures the mortgage against default, the home was awarded to him in the divorce, he has assumed all liability from XX/XX/XXXX to present and I have already Quit Claimed the home to him. I understand that the mortgage is still in effect until he completes the modification process. I 'm just asking for the negative reporting to the credit bureaus to stop. Please provide any assistance you can so I may also move forward and provide for my family. Thank you.
Product: Debt collection

I was living at XXXX XXXX XXXX in XXXX XXXX until a month before XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX are given to soldiers a month or 2 before XXXX so soldiers can get out of leases and turn into certain creditors for lower interest rates during a XXXX cycle. I received my XXXX XXXX   on XXXX XX/XX/XXXX and turned them into the office at XXXX XXXX. They did not honor my XXXX XXXX. I continued to clear my apartment in a timely manner and had paid first and last months rent upon moving in. To include a security deposit that would have covered any cleaning upon me leaving. I did not receive my security deposit back and paid my pet fee to the front office. My mother co-signed the lease with me and this is on both of our credit reports for over 6k in fees. For one the apartment complex never contacted my mom or myself before leaving in XX/XX/XXXX. The debt was sold to a collection agency while I was XXXX, and me and my mom have been dealing with harassing phone calls ever since. My mom started receiving calls shortly after me leaving and she asked the collection agency ( Hunter Warfield ) to provide a by name list of charges against me. She did not receive a by list charges until XX/XX/XXXX ... .and over a thousand dollars in interest charges from a collection agency we had no contract with. My mother has sent to me the bills they have sent as well as the by name list of charges in which I find to be totally fraudulent. I should never of had a fee for last month rent because I paid first and last month before moving in, I also accrued fraudulent cleaning charges that my security deposit would have covered, I also should not of had a lease termination fee of over XXXX with XXXX XXXX. Not to mention pet fees and so on. The list is crazy. To think this is how companies operate and treat deploying soldiers. And then sell the fraudulent debt to a head hunting collection agency on fraudulent grounds. And then to have fees of over 1.5k from a company you never had a contract with and bought this fraudulent debt on pennies to the dollar. To get this rectified would be wonderful. I have tried disputing with all three credit bureaus with no luck. I truly feel this is my last step to get this resolved. I am a father of five and can not purchase a house for my family because of this on my credit report. I am almost XXXX and have never owned a home for my family. Please help this XXXX veteran clear me and my mothers name in this matter. Supporting documents follow ...
Product: Debt collection

I have never received a validation of this debt or a HIPA consent with my signature on it I requested 4 times validation of this information and this information is also reported on my credit report, which is another FCRA violation.
Product: Vehicle loan or lease

I paid off my car early and never received my GAP refund back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX Inquired XXXX XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX {$660.00} XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX  Inquired on XX/XX/2023 XXXX XXXX  Inquired on XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$620.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.