23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX 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 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: Debt collection

I received an email from LVNV Funding LLC on Wed XXXX XXXX, XXXX. LVNV Funding LLC are debt collectors demanding a debt on behalf of XXXX XXXX XXXX  XXXX. I have not received any goods or services from LVNV Funding LLC, and I do not know how LVNV Funding LLC received my private information. 
Upon checking my credit report LVNV Funding LLC flagged my credit on XX/XX/XXXX with unverified collection activity. LVNV Funding LLC did not honorably submit their demand for funds through the US Postal service to allow me to properly dispute their claim of {$610.00} owed to them. I did not authorize LVNV Funding LLC to use my email address or social security number to damage my credit files. 
LVNV Funding LLC do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to LVNV Funding LLC XXXX 
I am not a party to any agreements that LVNV Funding LLC may or may not have with XXXX XXXX XXXX  XXXX A. I am not responsible for LVNV Funding LLCs purchase / transfer from XXXX XXXX XXXX  XXXX. I have not agreed to pay/tender anything to LVNV Funding LLC XXXX 
LVNV Funding LLC reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither LVNV Funding LLC or XXXX XXXX XXXX  XXXX. are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor AES has responded to a CFPB complaint confirming that my student loan accounts sequence XXXX are active/open with a balance ; however, XXXX refuses to correct the erroneous reporting. I have provided documentation to XXXX from the creditor, and AES has confirmed that they sent the proper information for XXXX to change the account status from closed to open and to update the actual balance for each account, but XXXX refuses to correct their inaccurate reporting which violates FCRA protections. I have contacted XXXX directly and they still refuse to correct the information theyre reporting stating that the documentation I provided to them could not be used to correct the error ; disregarding the fact that the documents were rendered to me directly from the creditor and through this CFPB portal. XXXX is violating my rights under the fair credit reporting act and this matter is causing significant harm to my ability to establish new credit with creditors and securing approval for a rental property for shelter.
Product: Credit reporting or other personal consumer reports

Please remove and delete all fraudulent hard inquires off my credit file from XXXX, XXXX XXXX, Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XX/XX/year>
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX DE XXXX RE : Complaint Regarding Debt Collection Practices Dear CFPB, This letter is a formal complaint regarding debt collection practices for a debt allegedly owed to Caine and Weiner with the original debt with XXXX  Nature of Complaint I am filing this complaint because Caine and Weiner has violated the Fair Debt Collection Practices Act ( FDCPA ) and its implementing regulation, Regulation F ( 12 CFR Part 1006 ), in the following ways : Failure to Provide Proper Validation Notice 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-S2 ( 7 ) ( A ) ) I did not receive a proper validation notice from Caine and Weiner within the XXXX ( XXXX ) business days required by law. This notice should have included the amount of the debt, the name of the creditor to whom it is owed, and my rights to dispute the debt. 

Failure to Disclose Method for Disputing the Debt or Requesting Original Creditor Information ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) The validation notice, if received, did not clearly explain how I could dispute the debt or request the name and address of the original creditor. The CFPB regulations require debt collectors to provide clear and specific prompts for these actions. 

Collection Activity During Validation Period ( 12 CFR 1006.34 ( d ) ) Caine and Weiner has attempted to collect the debt before the expiration of the XXXX validation period. This period allows me to dispute the debt and restricts the collector 's ability to take further action. 

Request for Relief I request that the CFPB investigate these violations by Caine and Weiner taking the following actions. 

Ordering Caine and Weiner cease all collection activity until dispute is resolved. 
Requiring Caine and Weiner to provide corrected validation notice with clear instructions for disputing the debt and requesting original creditor information. 
Instructing the credit bureaus to delete any negative information related to this debt from my credit report if the debt is found to be inaccurate. 
Additional Information I have attached copies of all relevant documents, including any communication received from Caine and Weiner regarding debt Thank you for your time and attention to this matter. I look forward to your prompt investigation and a resolution that protects my rights under the FDCPA. 

Sincerely,
Product: Mortgage

To XXXX XXXX XXXX AS TRUSTEE Attn : LEGAL DEPARTMENT Address : Unknown Ref. : XXXX XXXX XXXX Acc # XXXX NOTICE TO DISCLOSE INFORMATION This letter is a formal request under Fair Debt Collection Practices Act ( FDCPA ) to XXXX XXXX XXXX AS TRUSTEE to disclose the following information regarding the loan account # XXXX : 1.- Default date of Loan 2.- Proof that status of Limitation has not expire 3.- XXXX XXXX XXXX as Trustee 's Headquarter address and agents, all information, but no limited.
Since Bank of America and XXXX XXXX XXXX has refused or failed to provide the requested information or released the loan.
We ask to the Consumer Financial Bureau ( CFPB ) to open a judicial complain against Bank of America and XXXX XXXX for Fraud and its criminal involvement in Mortgage Fraud, Wrong Foreclosure, forge assignment and misrepresentation and conspiracy to steal.
We acknowledge that Bank of America is XXXX XXXX XXXX AS TRUSTEE.
Solution Release the Loan and return all payment collected since 2006 Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a total credit limit of approximately {$100000.00}. I have established credit since XXXX. Since that time, I have never missed a credit card payment. 

I acquired XXXX in the month of XX/XX/XXXX. 

My credit report shows that I am delinquent for one month with my XXXX credit card the month of XXXX. 

My FICO 8 scores before this were : XXXX, XXXX and XXXX. 

Now they have dropped 100 points. 

Given my record and history of excellent payment, and also when I learned about the little apparent late payment with XXXX / XXXX, On XX/XX/XXXX I made a full payment in the amount of {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a member in good standing with the XXXX XXXX XXXX XXXX XXXX and have never had a late payment on any of my loans, or credit card payments. Then in XXXX, XXXX, XXXX, and XXXX of 2017 I was 30 days late on my credit card payment. The reason for that is because I was not receiving electronic payment messages. So I missed these payments. I have since had the credit union send me paper/US Mail notifications when a payment is due. So because of not receiving the electronic payment messages I now have a negative entry on the Credit Bureau Reports. I have never had bad credit before and I am looking to but a retirement home and can't do that currently because of this Credit Mark on my credit reports. I have tried working with the Credit Union on this issue and they tell me they can't do anything about it.

I have also had Experian look into this matter and they say the Credit Union said this is not their fault, even though I did not receive electronic messages regarding due payments. 

Is there anything you can do to get this mark on my Credit Reports removed so I can move forward again with preparing for my retirement? 

Thanks for your assistance in this critical matter.
Product: Mortgage

When I called Rushmore loan servicing to start the modification application on XX/XX/year>, CSR suggested I look at " California mortgage assistance '' to catch up on the late payments due to disaster at residence. Upon calling the company handling that, at XXXX, their applications closed XX/XX/year>.
Product: Credit card

On XXXX XX/XX/year> I received an email at my personal email address from The Home Depot Consumer Credit Card telling me I would receive a new card soon. ( I had not asked/applied for one. ) It addressed me through an alternate spelling of my name which Ive never used. I never received a card at my address, but within the last two weeks Ive received emails saying Im behind on my payments. I attempted to contact Citibank, as the card is through them per the email, but the automated system wont let me talk to anyone until I provide my full account number ( which I dont have, as the emails only have the last few digits ) or my SSN ( which doesnt work, as apparently whoever opened it thankfully didnt have/use my SSN ). I recently moved overseas for a job, so I am unable to visit a local Citibank location to address the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent XXXX a letter disputing the validity of the collection they are reporting on my credit report. They responded with a letter stating that they verified this item. I then asked for a method of verification and I never got a response. I went directly to Capital One Bank to dispute the item in question and Capital One could not verify this item so they deleted it from their database. I then went back to XXXX and showed them the letter for deletion from Capital One informing them if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more interest every year. 

This item needs to be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I WAS GOING THROUGH FINANCAIAL AID RESOURCES FOR MY MOTHER FUNERAL SERVICES, AND WAS ALERTED TO NUMEROUS ACCOUNTS ON MY CREDIT REPORT BY THE FUNERAL HOME, THESE ACCOUNTS LISTED DO NOT BELONG TO ME AND HAVE CAUSED A ALREADY ARDUOUS MOMENT IN MY LIFE TO BE MORE DEPRESSING, XXXX CREDIT XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ARE ACCOUNTS THAT HAVE BEEN ADDED TO MY REPORT AND DO NOT BELONG TO ME
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a late payment on XX/XX/2023 of an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late in the last 2 years on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Mortgage

XXXX XXXX   XXXX " '' '' '' '' '' I was told that GSE loans can not and do not have the option to be able to repay the sum of Forbearance at the end of the loan! " '' '' '' BY ROCKET MORTGAGE OPERATOR! ~ After calling Quicken loans ( Rocket Mortgage ) and spending about 5 hours on the phone i was only able to obtain the same information as was stated on the web site! The law states per " Under the CARES Act,  if you have a federally or GSE-backed mortgage, you also can request and obtain an extension of the forbearance for up to an additional 180 days. '' i was told by Rocket Mortgage point blank that " NO I CAN NOT I DONT QUALIFY '' Granted im unemployed at this time and i have FHA loan! This is what their web site states and the only information that is offered to costumer mean while the federal government LAW STATES THAT I MUST BE GIVEN 6 months UPFRONT per my request ( rocket mortgage only discloses and gives a consumer 3 months upfront as they said those are THEIR rules and they dont have to follow federal governments regulations on a phone recorded phone call XX/XX/2020 between XXXX and XXXX '' XXXX XXXX! then after realizing im getting no where i was forced to move to my second question is as PER LAW I HAVE TO BE GIVEN A RIGHT / OPTION/ CHOICE! in a written form at the time of sighing up for forbearance plan to be given the right to add a total of 6 or if needed by ME per MY AT WILL VERBAL REQUEST TO ADDITIONAL 180 days EXTENSION, AN opportunity to add NO MODIFY MY LOAN < IM NOT INTERESTED IN MAKING ANY ADDITIONAL MONTHLY PAYMENTS OR SUM 'S IM ONLY INTERESTED IN ADDING TOTAL OF SUM TO THE BACK OF MY LOAN AS KIND OF A BALLOON PAYMENT WHICH NEEDS TO BE PAID IN FULL AT THE END OF MY LOAN OR AT THE TIME OF REFINANCE O AT THE TIME OF THE SALE! 
THE REPS OVER THE PHONE HAVE LIED TO BE HAVE MISLED ME HAVE GIVEN ME FALSE INFORMATION AND THIS IS WHAT THE WEB SITE SAYS! NOW ALSO AT THIS TIME I AM ( AM UNDERLINED ) LOOKING TO GET SOME HELP AS THE HAS AFFECTED AND I THIS WOULD BE HELP FULL! BUT ROCKET MORTGAGE HAS ONLY GIVING ME ONE OPTION AND THE IS 3 months upfront! and no documents or anything in written document of any kind until i end the cares act and forbearance! then we will analyze and see how to have you repay NO NO NO NO NO!!!! I WANT MY RIGHTS I WANT TO HAVE A WRITTEN DOCUMENT IN HAND THAT STATES THAT I HAVE 6 MONTHS UPFRONT PER LAW OF forbearance AND SECOND THAT AT THE END OF EITHER THAT TIME OR IF CHOSEN BY ME END OF ADDITIONAL 180 IN TOTAL OF 12 MONTHS MY SUM OF BALANCE OF THAT MONEY WILL BE A STAND ALONE BALANCE WITHOUT ANY MODIFICATIONS TO MY CURRENT LOAN OR ANY ADDITIONAL MONTHLY PAYMENTS AND DEFIANTLY NOT PAYING THAT SUM AT THE END OF 12 MONTHS or ANY 4 years or 10! NOTHING I WANT THE LEGAL RIGHT TO ONLY HAVE TO PAY THAT MONEY BACK AT THE END OF THE LOAN OR PER WHEN A REFINANCE OR SALE OF THE HOUSE IS DONE MY ME! I AM INCLUDING PICS I TOOK OF ROCKET MORTGAGE LOANS WEBSITE AND WHAT THEY ARE GIVEN TO PUBLIC IS MUCH DIFFERENT THEN WHAT THE LAW STATES ON ALL GOV LEGAL WEBSITES INCLUDING THIS SITE! WOW!!! I WOOOOOOWWWWW!!!!!
Product: Debt collection

My identity was stolen in 2017. I submitted dispute letters to this company along with all 3 credit bureaus numerous times. Each time I dispute they verify the account as accurate. Federal Law states I must have a written contract along with all FCRA requirements. Also I filed a police report for my identity theft and had a fraud alert placed on my accounts. 
This letter is regarding account # XXXX, which you claim I have a charge off and I owe {$5100.00} and my account was reported to collections as delinquent for {$5100.00} ]. This is a formal notice that your claim is disputed.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent and evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX  helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

on XXXX/XXXX/2014 i was traveling from XXXX to XXXX. l dont use XXXX and paid all toll by cash. 
that day about XXXX a couple of car approached to cash toll for paying toll fee, but no one there for collecting money. ( no one all cash boots ) about 5 minutes all cars ( about XXXX cars ) waited to pay but no one showed up for collecting toll money. 
we went next cash toll boot and told her no one was there and we could not pay by cash. 
she said fine and she collected {$8.00} and she gave me the attached receipt. 
about 10 days later l received a letter about toll violation letter and l called XXXX Department of Transportation and told them what was happened. and sent letter with the receipt. back and forth finaly they gave me a collection agency and reported credits B. 
I would like to solve this problem and not blamed on it because i did pay and did n't do wrong.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late the entirety of the XXXXXXXX XXXX loan. I've attached a copy of my report to this complaint on the following date XXXX XXXX. I am now requesting you to investigate and provide variable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated and paid on time immediately. Thank you for understanding and prompt action.
Product: Checking or savings account

Starting on XX/XX/XXXX I submitted a request online to XXXX XXXX for a " request for refund. '' I was unable to take the flight due to medical reasons. ( documents attached ) I also opened a request with Citi bank to help me obtain my refund since I was only able to interact with XXXX XXXX via internet website only. I have faxed Citi bank multiple times, I have called customer service a number of times to only be told that the " back office is working on it. '' I have faxed them on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and not to mention the phone calls into customer service. I am requesting that {$300.00} be returned to my account. I have also included a document from the XXXX XXXX accessed online on XX/XX/XXXX that the status of my request shows " refunded '' on the XXXX   website. For whatever reason these funds have not been applied to my Citi bank checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with a company which is XXXX XXXX and my wife have one well they have her account on my report.

Creditor : Ally Financial Amount : XXXX account # XXXX I sent a dispute letting them know the XXXX XXXX XXXX    XXXX account XXXX is a fraudulent account in the amount of XXXX its been 2 months but haven't been taken off the report. The same company XXXX XXXX XXXX XXXX has two accounts on there the other is XXXX in the amount of XXXX this has been embarrassing to say the least I pay my bills on time and are being penalize by this breach in security. 
Also there is unauthorized inquiries that is causing my score to suffer greatly. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX