23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XX/XX/2024 LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX Account Number : XXXX To Whom It May Concern : I am writing to formally lodge a complaint against LVNV Funding LLC for apparent violations of consumer protection laws, specifically referencing 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( a ).

I dispute owing any and all debts to LVNV Funding LLC and hereby revoke all rights of communication through email, text messages, and phone calls. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that LVNV Funding LLC cease all communication attempts immediately. Any further attempts to contact me through these means will be considered a violation of my rights under the FDCPA.

Furthermore, I am formally requesting debt validation as per my rights under the FDCPA. Please provide documentation verifying the existence and validity of the alleged debt, including but not limited to : XXXX. Original creditor information, XXXX. Purchase agreement between LVNV Funding LLC and the original creditor, XXXX. Proof of licensing and bonding as required by law. 

Failure to provide this information within the legally mandated timeframe will be considered a violation of my rights under the FDCPA. 

I expect prompt action on your part to address these concerns and adhere to the laws governing debt collection practices. Please confirm in writing that you have received this complaint and have ceased all communication attempts immediately. 

Sincerely, XXXX XXXX
Product: Credit card

Macy 's has changed their online system and as a result I have been unable to access my balance, account information, statements or make a payment online for months. I do not receive a paper statement and have had difficulty getting account and transaction information from telephone. I went into the store received a receipt print out of my balance on XXXX/XXXX/15. I received a slip showing a balance of {$220.00}. I paid that balance in full and made a purchase for {$120.00}. I called XXXX as instructed by the error message when I tried to get my online information, they were unable to assist me in getting online and the telephone rep was confused about my balance. He was unable to give me a balance that makes sense according to the store balance printed on the receipt and the payment I made. I have spent over XXXX minutes on the phone trying to get assistance without resolution and am not sure how I can resolve this at this point. It seems extremely unfair to not provide accurate account transaction and balance information and access to make payments.I typically pay in full and without the ability to know balance information I could have interest charges I would normally not have. They will not give discounts unless you use your card but wo n't provide account and balance information accurately.
Product: Money transfer, virtual currency, or money service

I attempted to buy a ladder online. Apparently the company is not legitimate because they never sent the ladder and they are unreachable. I used PayPal to pay for the purchase. PayPal claims to offer Purchase Protection in cases like this. I have asked PayPal, through the PayPal website, numerous times to refund my money. But since they are on limited staff due to covid19, they won't answer the phone. They immediately close the claim and they don't refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On these dates XX/XX/2022, XX/XX/2022, XX/XX/2022 I sent out dispute letters to these companies below : They had stated that they have been verified as accurate ; but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I have not given these agencies written permission to furnish these accounts on my credit report. 

AMERASSIST AR SOLUTIONS Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

1st validation letter sent to Experian for XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  ( it came back verified ) 2nd validation letter sent to Experian for XXXX XXXX XXXX on XXXX XXXX, XXXX  ( it came back verified )
Product: Mortgage

SLS Account # XXXX My loan was recently transferred to SLS from XXXX as of XX/XX/XXXX When I received the notice ( received the date the note payment was due ) SLS said there was a payment past due, and the loan was one month in arrears. ( no sure notice came form XXXX previous to this ) I called and asked them what month, and at 1st she said XX/XX/XXXX .. I provided her with the Canceled check number for the XX/XX/XXXX payment, and her response was " well, I do n't know then, our records only go back to XX/XX/XXXX ; it must have been before that then '' I recently came out of a 5 year Chap XXXX BK which was satisfied and discharged in XX/XX/XXXX ; this would mean all payments were satisfied and the accounts current. 
I missed no payments during the 5 years nor since the discharge. SLS could care less and worse are unwilling to even review the case ... My payment is approx. {$3300.00} and I mailed my XX/XX/XXXX check for {$4000.00} requesting the additional to principle.. they cashed the check and their new XX/XX/XXXX statement said I am 2 months behind YIKES this is SCARY ... What are they doing with my money??. It is impossible to reach anyone there for a intelligent discussion. I requested 5 years of payment history from the previous servicer, XXXX and have this to send to SLS ... But, no idea where to send it ; How is it legal that there is no accounting and they can just say " you are behind but we have not idea when '' even though the courts and XXXX ageed the account was in full compliance? can someone call me please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account (. ), has violated my rights. 15U.S.C.1681 section 602. A.States that I have the right to privacy.15U.S.C.1681Section604 A. Section2 : it also states consumers. Reporting agency can not Furnish account without you want me to go without my written instructions.15 U.S.C. 1666B : a creditor may not treat a payment on a credit credit account under an open and consumer Credit plan as late for any reason.
Product: Bank account or service

1.Theft of Mass Proportion of over about $ XXXX.Blatant disregard for the XXXX, Armed Services, actions without verification, Privacy, professional rules of conduct, and the rules of law.Favors and conduct unbecoming of all bank guidelines, concepts, protocol and authorization by me, the account holder. 
2.Recovery and compensation for the suffering of myself, my family and the current threats 3.Immediate follow up and investigations per request of the financial Institution Of the Pentagon Federal Credit Union Fraud Department , Lawyers and Bank managers. of many months of complaint of the main office, Virginia office, XXXX XXXX XXXX, email, and telephone calls.I gave no one permission to make changes or act on my behalf of my life/worldly possessions.
Product: Credit reporting or other personal consumer reports

Loans and accounts were opened that weren't of my doing. A vehicle loan in XXXX. I live in XXXX XXXX. Loan attempts made in my name. Some sort of lease created in my name. It's ridiculous.
Product: Payday loan, title loan, personal loan, or advance loan

I was renting a home in Indiana from a XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX did over {$43000.00} in repairs to this home and put me as the owner. I was never the owner of this home. XXXX XXXX evicted us out of that home and then sold that home and got paid for all of that work. XXXX from what I seen online was supposed to close this fraudulant account with me and refund me for their illegal activity in 2021. They did not. They continued to take money from me illegally. 

I never owned a home in Indiana. XXXX XXXX XXXXXXXX should not have put those repairs in my name. I live and own my first home at XXXX XXXX XXXX XXXX IL XXXX. 

This is the first and only home I have ever bought. I refuse to continue to pay XXXX for a metal roof and siding that XXXX XXXXXXXX XXXX did on a home that I never owned and was evicted out of by XXXX XXXX, This was fraud by definition and real estate fraud by XXXX XXXX. XXXX XXXX fraud against us almost XXXX my wife. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I was told by the XXXX XXXX XXXX XXXX to not pay XXXX another dime. I never owned a home in Indiana. This home I live in now is the only home I have ever owned.
Product: Credit reporting or other personal consumer reports

Horrible credit practices with both XXXX and XXXX XXXX. Non stop emails received daily claiming XXXX this new credit card to increase your score. My score was XXXX XX/XX/year>. I paid off a house mortgage, paid off student loans, paid off vehicles and my credit score is XXXX points lower. No late or missing payments in the past year. Any current cards are below 25 % utilization.
Product: Mortgage

I have refinanced my primary residence two months ago as the lender XXXX Ally home loans ) selected an insurance company for the loan. After loan is approved and I already made 2 payments, I received a letter from XXXX XXXX XXXX stating that I have insufficient insurance coverage ( which my lender themselves selected for me ). 
My current mortgage includes insurance and property tax, thus I do not know why they made a mistake selecting insufficient coverage of insurance in the firat place to make the loan look attractive to me to obtain. 
Now after 2 months, the lender sending me a letter, demanding me to ask the insurance company XXXX still I do not know who they are XXXX to provide explanations of insurance coverage! 

This is a bad business practice for any lender XXXX ally bank XXXX to have a certain amount in paperwork as an insurance payment, which later when they sold the loan to some other lender XXXX XXXX? ) and the current lender is after me to proof that I have sufficient coverage? 

This is a 30 year fixed loan. Can you help me resolve this issue please?
Product: Debt collection

Pioneer Recovery They falsely represented the IRS stating they had a debt of {$560.00} and that they were going to garnish my paycheck to get said debt. I asked him to stop calling me. Lets talk by written or male direct mail to send me the purchasing agreement and a wet signature for this debt. I was told by the representative since you wont give me any information I cant give you any information. Have a nice day XXXX end of the statement this phone call was XX/XX/year>.
Product: Credit card or prepaid card

On XX/XX/XXXX I lost my job due to COVID 19 and called Victoria Secret customer service to see what my options were. The agent advised me that I would be ok as long as the payment was made by XXXX. I made a payment and they still reported my account 60 days late for three months. I have been told the agent advised me incorrectly but I was doing what I could on my end. Now my credit is showing 60 day late and they have also reduce my limit from XXXX to XXXX. I cant refinance my car. Loan or anything all because of this error on VS side
Product: Mortgage

I lost my second income during the pandemic and my spouse left me. This caused a drastic change in my finances. I called and was placed on a forbearance plan sometime early last year. Of note, there was no mention that when I did a forbearance all of the missed payments would come due at once. I had no idea. This is on me, but it would have been nice for the loan servicer to be proactive in stating that. Also, of note whenever you speak to loss mitigation you are transferred to a new department and the workers never understand what I need or how to help me, even though the previous department understood clearly. 

When my forbearance ended and I realized I had to pay the full amount I applied to have my payments moved to the end in a balloon payment. No other options were presented to me and I didn't know to ask for anything else. This was " approved '', but has been ongoing for 9 months. I was told to resume making my monthly payments or have late charges assessed multiple times, including on XX/XX/2021. Other times you are told you are in forbearance and will not have late fees or negative credit impacts by missing the payment date by a few days. For instance, I had to spend all day trying to find {$200.00} to make todays payment ( XX/XX/2021 ) as I was told I would have a late fee of XXXX and be reported to the credit bureau at the end of the month. I also spoke to one customer service representative who told me I did not have any other remedies as I had already accept the first loan modification. Again, this was not explained to me. I knew I was asking for a balloon payment, but I did not know that I was barring myself from other assistance. When I called today, like often occurs, I am told completely different stories. What obligation do these companies have to provide accurate information when the only access you have to the companies are through their own hired representatives. Today I was told I could ask for loan modification for interest rates, payment amounts, loan lengths, etc. even though yesterday I was told that was not an option. I am transferred again to loss mitigation who tells me I can't do anything because my loan is not current. I have now made 5 monthly payments in 2021. Why is my loan not current? The only reason it is not current is the company " has to process it on their end. '' I would love for it to be current so I could move forward with payment and exploring other remedies, but they have held me XXXX in this limbo for months. 

Now my payment has gone up {$500.00} a month due to my escrow account. I need to work on interest rates, loan terms, etc. but I can not. If I can not pay the loan hardly as it is, it's wild to think they can increase payments by 17 % and that I could pay that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and Experian are classified as consumer reporting agency, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. XXXX XXXX is in violation of 15 U.S Code 1681a ( 2 ) ( A ) ( i ). XXXX XXXX is under the regulation of many laws and as previously mentioned one of those is the FCRA, which states the term consumer report DOES NOT INCLUDE any report containing information solely as to transactions or experiences between the consumer and the person making the report. Pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), 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. This is a violation as they are reporting these items without my permission. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Mortgage

Truist failed to withdraw payments as set up on autopay after going through months of working to get it set up correctly while my Dad was in the hospital and XXXX from XXXX. 

Truist also has reported three different things to each bureau which are inaccurate. They refuse to repair or remove the information so it is accurate. 

I have tried for months to get somebody from Truist to resolve this issue but continue to get swept under a rug by their resolution department. 

Im really upset.
Product: Credit reporting or other personal consumer reports

The complainant ( " the Consumer '' ) brings this complaint and seeks non-monetary relief from XXXX XXXX XXXX XXXX ( XXXX ), Experian XXXX XXXX XXXX XXXX ( Experian ), XXXX, XXXX, ( XXXX ), and XXXX XXXX XXXX ( XXXX ) under the FCRA ( 15 U.S.C. 1681, et. seq. ). The Consumer is a natural person and is a person and consumer as defined by the FCRA at 15 U.S.C. 1681a ( b ) and ( c ). At all times material hereto, the Consumer had at least one XXXX as defined under the ADA at 42 U.S.C. 12102. From XXXX XX/XX/XXXX to XXXX XX/XX/XXXX, the consumer sent XXXX, Experian, and XXXX detailed notices disputing the accuracy of his credit reports with respect to XXXX credit card debt. Specifically, the Consumer disputed the patently false date of first delinquency and inaccurate payment history. Upon receiving the Consumers initial CFPB complaints, each of the XXXX, XXXX, Experian, and XXXX, transferred the complaints to their respective consumer credit file dispute units1, and communicated the Consumers dispute notices to XXXX. Initially, neither XXXX, nor Experian, nor XXXX, nor XXXX conducted a reasonable timely investigation after receiving the consumers dispute notices, resulting in the continued reporting of false and misleading derogatory information on the consumers credit reports with respect to XXXX debt. After receiving dispute responses from XXXX, Experian, and XXXX that continued to contain false and inaccurate derogatory information with respect to XXXX debt, the Consumer again sent XXXX, Experian, and XXXX detailed notices disputing the accuracy of his credit reports. XXXX, Experian, and XXXX again communicated the Consumer 's dispute notices to XXXX. XXXX and Experian and XXXX continued thereafter to report false and inaccurate derogatory information on the consumers credit reports with respect to XXXX  debt, alleging XXXX verified the accuracy of the information reported. Responding on XXXX XX/XX/XXXX to a CFPB XXXX XXXX asked the Consumer to understand that XXXX is responsible for providing [ the information for account ending XXXX ] to the credit reporting agencies ; [ but ] the credit reporting agencies have their own policy for reporting the information that is displayed. The Consumer continues to be a XXXX and thus remains exceptionally vulnerable to the conduct of XXXX, Experian, XXXX, and XXXX. As a result of the conduct of XXXX, Experian, XXXX, and XXXX  as alleged above from XXXX XX/XX/XXXX to XX/XX/XXXX, the Consumer has suffered severe ongoing emotional harm including and not limited to frustration, stress, anxiety, worry, damage to reputation, and economic losses including and not limited to damage to his credit, lower credit scores, and lost opportunities to receive credit. He has also failed to obtain stable housing on account of the false and/or inaccurate information furnished by XXXX and persisted in his credit files by the XXXX major CRAs. ( the full complaint and documentation is attached )
Product: Credit reporting or other personal consumer reports

I was surprised to find inaccurate accounts listed on my credit report today, and I dont understand why they appeared. When I checked my report as usual, I noticed errors that hadnt been there before. I even tried refreshing my browser to see if it was a minor technical issue, but the accounts were still there. Because of this, I am requesting a careful examination of the documents I have submitted to ensure I dont have to face this problem again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to XXXX. My tracking number XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a-Definitions ; rule of construction.

The term " investigate consumer report '' mean a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations.

However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit card or prepaid card

I opened my account with Discover Credit Card in XXXX XXXX and made my payments on time until XXXX of XXXX when I lost my job. I informed Discover of this and they were more than willing to work with me. I found a job and started to make payments again and became the victim of Identity Theft and some of the payments were charged back. My account became suspended due to the payment history. I reached out to Discover the end of XXXX XXXX to find out what I need to do to get back on track and my account returned to active. I was informed on more than one occasion and by more than one person that all I needed to do was continue to make  payments, bring the balance below the credit limit and that my account would be reviewed by the " system '' on a monthly basis to determine status. Today, XXXX/XXXX/XXXX after more than 90 days of making 3-4 payments a month for the last three months, setting up auto payment, and talking to countless Discover Employees, I was informed that my Credit Report has to be at {$0.00} for all accounts ( nothing in collections or showing a balance ). This of course I know is impossible due to the hardships that I went through I had no choice but to default on somethings because the companies would not work with me. I was NEVER informed of this and was MISLEAD to believe that if I continued to make payments my Discover account would be reinstated. I should have been told ALL the requirements that Discover looks at when reviewing an account and not just what they wanted to tell me in order to keep me paying to an account that will never be active again. I have been LIED to and this is FRAUD. During my conversation I also asked if there is a group that handles situations were the consumer has been LIED to and was told no. This is unacceptable. Discover has no idea, nor is it any of their business, why accounts on MY CREDIT report are in collections. This needs to be addressed so that it does not keep happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately.