23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently found out that the collection agency LVNV FUNDING LLC reported to my credit report without notifying me that I even had a debt and or that they were handling this alleged debt. 
When I found out this information I sent LVNV FUNDING, LLC a letter to the address listed on my credit report with the intentions of exercising my right to dispute/validate this debt. 
When I sent the letter to the exact address listed on the credit report directly from XXXX and XXXX the certified mail was ( RETURN TO SENDER UNABLE TO FORWARD ) They are inaccurately and incompletely furnishing information regarding the debt and in regards to me to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which they are responsible. 
They are violating my rights and causing me severe damage. We are in the process of getting a home loan and this is going to ruin it. 
I have the right to seek remedy for the damages from the courts, but at this point I just want LVNV FUNDING LLC to fix their mistake in its entirety.
Product: Credit reporting or other personal consumer reports

Equifax has my data and personal information exposed in a data breach and I need ny consumer report wiped clean
Product: Mortgage

When I logged onto our account with Freedom Mortgage to pay our current mortgage payment, I discovered that the company placed our mortgage in Loss Mitigation. Due to this, there is no option to make a payment. According to their website, they approved a Loss Mitigation for our account on XX/XX/2020. It also says that we have a Repayment Forbearance ... Currently Under Investigation. We did not ask for or fill out any paperwork requesting a Forbearance. Apparently Freedom Mortgage took it upon themselves to force us into this situation. This is not right and we will be contacting the company. Although contacting Freedom Mortgage usually results in more frustration, we will try. 

This Company is already part of at least one Class Action Lawsuit over their unending phone calls pressuring their mortgagees to refinance and refusal to cease their phone calls. 

If these new actions by Freedom Mortgage are not illegal, they certainly should be. How many others have they placed in Forbearance without consent?
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

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

My mother opened a credit card in XXXX and put me on the card to help her After my mother death on XX/XX/XXXX, I reported this to star financial credit card company. Star financial took her name off and began sending the bill to me for payment. 
I told this company that I did not make application with this company and please correct this adverse account on my credit report. 
This account has dropped my score by 130 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND 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 alleged fraud or extortion XXXX XXXX XXXX Balance : {$1100.00} ; US DEPT ED XXXX Balance : {$3500.00} ; USDOE/XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX, XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

In XXXX my XXXX year d son had XXXX testing. He has Medicaid and always has since birth. The testing was to be covered by his Medicaid   as all testing and medications are. We referred and advised his insurance would be accepted. I received a bill for my son a year after the exam and advised that it was covered by insurance and that he was a minor and should not receive a bill. Now XXXX while I am in the process of closing on my first home a collection has appeared for this very bill. Which one doesnt belong to me and two was to be paid by Medicaid. I never received a bill in my name regarding this collection nor did I ever receive a phone call. Now Im am in jeopardy of losing my home over a bill that was covered by Medicaid.
Product: Debt collection

I used to check my credit score everyday and now Im afraid to do so I have a fear something new will pop up and I have no action that I can take Ive tried multiple times to get an answer for how the debt was mines or for someone to prove I signed for something but every-time I start a dispute with XXXX it comes back as verified debt within in 24 to 48 hours of starting the dispute. For a company that I am giving money to each month ( XXXX  ) am I not worth atleast a weeks worth of research and investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint regarding unauthorized inquiries on my credit report that I did not make. I have asked XXXX  and Transunion to investigate and delete the following unauthorized inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any others are okay and were authorized, Please delete the ones listed as unauthorized. I also have requested that XXXX   remove XXXX XXXX XXXX from my report. It was removed previously through XXXX  and Transunion because the debt was unable to be validated with a contract and signature. So XXXX  needs to follow suit under FCRA reporting laws.
Product: Debt collection

I am writing to file a formal complaint against LVNV Funding, Resurgent Capital Services, XXXX XXXX XXXX, and XXXX XXXX XXXX for their handling of an alleged debt. I believe their actions constitute multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. 

Lack of Debt Validation ( Violation of FDCPA 809 ( a ) ) : In or prior to XX/XX/2023, XXXX XXXX XXXX sold an alleged delinquent debt to LVNV Funding, who then referred it to Resurgent Capital Services. Despite my repeated requests for validation of this debt in XXXX, XXXX, and XX/XX/2023, including specific requests for the cardmember agreement and proof of debt reassignment, Resurgent Capital Services failed to provide sufficient documentation. Instead, they repeatedly sent a 2-page copy of a bill, which does not satisfy the requirements for debt validation under the FDCPA. 

Multiple Collection Attempts for Unvalidated Debt : Despite the lack of proper validation, LVNV Funding continued to engage in collection activities through credit reporting and other means. Furthermore, another collection agency, XXXX XXXX XXXX, also attempted to collect the same debt. This was followed by XXXX XXXX XXXX making a new collection attempt in XX/XX/2023. All these attempts were made without providing the necessary validation documentation. 

Repeated Sending of Insufficient Information : Resurgent Capital Services repeatedly sent the same insufficient bill copy in response to my validation requests, which demonstrates a disregard for their obligation to provide comprehensive debt validation as per the FDCPA. 

Reporting to Credit Agencies Without Validation : LVNV Fundings continuous reporting of this debt to credit agencies without providing validation is concerning and potentially violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

In light of these issues, I request the CFPB to investigate this matter and take appropriate action against LVNV Funding, Resurgent Capital Services, XXXX XXXX XXXX, and XXXX XXXX XXXX for their non-compliant debt collection practices. I am seeking a complete cessation of all collection attempts until proper validation is provided and any incorrect credit reporting to be rectified. 

Enclosed are copies of all correspondence with the aforementioned agencies, along with records of my requests for debt validation and their insufficient responses. 

Thank you for your attention to this matter. I am looking forward to your prompt response and assistance.
Product: Credit reporting or other personal consumer reports

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to XXXX, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Product: Debt collection

For the past two years, CCS Collections has listed a collections account on my XXXX and XXXX credit reports. I am unaware as to the source of this collection account and so on XX/XX/XXXX, I sent a letter to CCS to validate the debt. They have not responded yet continue to report the collection on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX and has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX and has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXXXXXX and 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 an account without my written instructions.
Product: Mortgage

This is a Reverse Mortgage situation. My mother passed away on XXXX XXXX, 2014 and named me Executor. We notified Financial Freedom that our intent was to clear the home of personal property, to make repairs/renovations, and to market the property for sale by XX/XX/2015. We were granted a 90 day extension on XXXX XXXX. Due to miscommunication between Realtor and Trustee, the request for extension with Financial Freedom was sent on XXXX XXXX, 2015 ( due at Financial Freedom by XXXX XXXX, 2015 ) but the request was directed to OneWest Bank, parent company of Financial Freedom. Both OneWest Bank and Financial Freedom deny receiving request for extension and instituted Foreclosure Proceedings on the Estate property. We have provided all documents requested but Financial Freedom simply states they are strictly adhering to the HUD guidelines and will not deviate. Because of this we were forced to list the property without being able to make appropriate restorative action and to accept a below-market price. We now have a contract which shall close on XXXX XXXX, 2015, however Financial Freedom refuses to delay, defer, or stop foreclosure proceedings, with auction date set for XXXX XXXX, 2015. We feel that Financial Freedom has been unwilling to work with us ; we simply requested legal extensions in order to market the property at a fair price in line with local comps.
Product: Money transfer, virtual currency, or money service

I am tling a complaint against casn App ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute errors and inaccurate information on my credit report. These inaccuracies are not only misleading but are also negatively impacting my reputation and financial standing.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am requesting you review your data on file for me and make sure it is accurate according to the Fair Credit Reporting Act and Metro 2 compliance standards. I am challenging any inaccuracies in my credit report and requesting that they be corrected immediately. I also require that any inquiries within my credit profile have a permissible purpose and be accurately sourced.
Product: Credit card

Hi, Ive been sincerely struggling to have removed, XXXX late payments with my Citi credit card. My household was affected drastically due to XXXX at the time these XXXX late payments were made. I called Citi before the XXXX late payments took place, asking if they offered financial relief due to XXXX, they said yes. They allowed up to XXXX skipped payments without reporting to the credit bureaus. I asked to sign-up and they did over the same phone call. They mentioned I would get a letter in the mail confirming the sign-up, however I never received it. I called them multiple times to inform them I had not received the letter. I verified the mailing address, at that time was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Later, I find XXXX XXXX late payments on my credit report. Ive attempted multiple times to dispute these XXXX payments with letters and phone calls directly with Citi. Ive been unsuccessful and these late payments have drastically affected my credit scores. 

The late payment dates are : XX/XX/2020 XX/XX/2020 Im hoping taking this route with the CFPB will help in having these late payments removed. 

Thank you, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX is in complete violation of the CFDPA, FCRA, HIPAA, They have listed seven alleged debt accounts on my credit reports which I have no firsthand knowledge of and no contract in existence proving the alleged debt reported is legally valid. No request for the services this organization provides was ever requested by me. They prepared negative and inaccurate information to credit reporting agencies. Also, this company seems to have some of my medical records without a medical release form or any type of authorization from me. I believe this violates my privacy according to HIPAA. I notified them twice via certified mail in regards to the accuracy of the information ; however, they have continued to report inaccurate information on my credit report and send me bills. The dispute letters I sent dated XX/XX/2018 using the address they provided to the credit bureaus were returned as No such number, unable to forward ( returned envelope and receipts attached ). This is evident that they reported inaccurate information to the credit bureaus regarding their address. I resent dispute letters dated XX/XX/2018 ( attached ) and they never responded, as I did not receive the signed certified mail receipt back nor were the packet returned to me. 
I am very serious about my credit and their inaccurate reporting has caused damage to my credit, my ability to receive credit, my reputation, as well as an invasion of my privacy. I am requesting that since they have not responded and can not provide indisputable proof bearing my signature of the alleged debts, that all the accounts be removed from all three credit report and that this collection agency cease and desist from trying to collect from me.
Product: Credit reporting or other personal consumer reports

Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to you written, un-written, verbal, and non-verbal per 15 USC 6802. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting effective immediately. I never gave authorization as I have never done business with this company. Never received a notice to opt out so I am opting out now.
Product: Credit card or prepaid card

We paid our credit card statement online XX/XX/21 ). When checking it appeared not to have been processed. We called the company ( Bank of America ) and they said payment did not post. We then paid our balance a second time. Payment was over {$1700.00}. 
Two days later XXXXwe called back and informed them we were charged twice. The person apologized and said funds would be returned to our bank within 7 business days. 
Today ( XX/XX/21 ) was the second time I called the credit card company and again was told it was in the process of being reviewed. 
So Bank ofAmerica has held our {$1700.00} for over two weeks and only said it was being reviewed.
Product: Credit card or prepaid card

Aspire credit card company. 

I applied credit card. Few weeks later.on XX/XX/XXXX I got email that card was activated. I never did that so I called credit card company immediately to report someone activated the card. 
Next day and every day I get email that someone use the card. Everydtime when I get email I call them to report whats going on. 
My XXXX time call to credit card company. The representative tells me card was activated on XXXX and I reported stolen card on XXXX. 

My job was done when I report on XXXX Im not responsible for the mistake for ignoring or intentionally ignoring the necessary job. 

I called everyday since XXXX I am very surprise how dirty way to try to earn innocent customers money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2021, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, XXXX, Equifax and XXXX on XX/XX/2021 and XX/XX/2021 but nothing has been done.
Product: Checking or savings account

Per USAA report to me on XXXX via another CMFB complaint, I was removed from the USAA jointly held account # XXXX on or around XXXX without my knowledge or consent. 
I did not call, nor login online, nor sign a signature card requesting to be removed from this account. Furthermore, any signature that did remove me from this account would be a FORGERY. Any login that indicates I removed myself from this account would also be fraudulent as I did not do such. 

At the approximate time I was taken off acct ending in XXXX, there was {$6100.00} in the account. The following deposits totaling {$13000.00} were subsequently made to my joint account ending in XXXX ( ***after my removal ) for a total of {$19000.00} in credits to the account in the weeks subsequent to my removal : XXXX {$4500.00} XXXX {$400.00} XXXX {$2400.00} {$3000.00} XXXX {$1000.00} XXXX {$100.00} XXXX {$100.00} XXXX {$200.00} XXXX {$300.00} XXXX {$320.00} XXXX {$500.00} XXXX {$100.00} XXXX {$120.00} XXXX {$32.00} From my joint account for which I was fraudulently removed, please note the following debits and withdrawals : XXXX {$7100.00} {$1000.00} XXXX {$500.00} XXXX {$320.00} XXXX {$680.00} {$8500.00} XXXX {$370.00} XXXX {$100.00} {$530.00} autopay of loan XXXX These debits totaled {$19000.00}, resulting in the account being overdrawn approximately {$22.00} ; nominal interest is not considered. This account was subsequently closed after I was fraudulently removed from it and the contents were drained.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Dispute of Bankruptcy Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a bankruptcy entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including bankruptcy entries, must be removed from a consumers credit report after a specific period of time. 

The bankruptcy in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report.

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Bankruptcy cases filed under XXXX XXXX  must be removed after 10 years from the date of filing. 
Bankruptcy cases filed under XXXX XXXX must be removed after 7 years from the date of discharge. 
The presence of this bankruptcy on my credit report may no longer meet the permissible reporting period outlined in the law. If the entry can not be verified or if it exceeds the time limits specified, I request its immediate removal. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Bankruptcy cases filed under XXXX XXXX  must be removed after 10 years from the date of filing. 
Bankruptcy cases filed under XXXX XXXX must be removed after 7 years from the date of discharge. 
Other adverse information, such as late payments, collections, and charge-offs, must be removed after 7 years from the date of the original delinquency. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
Product: Credit card or prepaid card

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Debt collection

Chase Slate sold my account to XXXX XXXX XXXX in 2019. Then they reported cancelled debt to the IRS. The are wrong to report it as cancelled as I settled the account with XXXX XXXX XXXX and not Chase. The amounts cancelled are listed as close to {$1900.00}. I settled the account for about {$1700.00}.
Product: Checking or savings account

Several small unusual charges and withdrawals on my account. 
Now I can not even view my transactions to report! There is no customer service phone number and chats use bots that are unable to understand questions or give coherent information. 
Most transactions were $ XXXX but then go up to {$59.00} and even XXXX to an eyewear company for {$170.00}! 
I am also getting weird texts with pin numbers for foreign currency amounts showing my card ending number. 
The XXXX number on the card directs you to email! I understand no physical banks but no customer service is insane.
Product: Debt collection

Collection agency said account placed was cancelled and would be removed from credit report. It damaged my FICO score. It has been more than 2 weeks- I want this off!!!!!