23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

3rd party collections called, harassed, shamed, yelled and ridiculed me for my loan debt. Agreed on settling the debt with upfront payment my mom borrowed from bank and then automatic payments for 5 years monthly of XXXX. Now years later, Sallie Mae is showing no payments or any updates to my account showing that I made all payments in full per agreement years ago. Now my credit is bad due to their lack of records of my payments and I no farther ahead with payments since they don't awknowledge my payment records. Sallie Mae loans in my name should be paid full as per agreement but they're not accepting previous agreement.
Product: Student loan

I was told when I spoke to the company in XXXX when I was told I needed to reapply for my income repayment plan before it expired, but apparently I did not need to do it because of the presidents order, but they sent me a notice that said I needed to do it or I would have to pay the whole monthly payment instead of the income based payment in XXXX when it came due. I did it and it said my new payment was about {$500.00} and it would be due in XXXX, so I called because I should not have to pay until XXXX again because of the new order. I was told my last company took me off this kind of deferment, which I do not know how that is possible since it was a blanket decision. I was told when I called they put back on it and not to worry about paying until XXXX. Now I have an overdue notice that shows I owe {$1000.00}. XXXX is going on.
Product: Debt collection

on XX/XX/XXXX the company ARS RESOLUTION SERVICES responded to my cfpb complaint in which i demanded for this company to validate this debt, they responded : We have reviewed our records in this matter, and find the following. Our client, XXXX XXXX XXXX, is a provider of emergency room physician services at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL. The account in question was placed for the collection of an outstanding balance of {$350.00} on XX/XX/XXXX. The charges stem from services that were rendered to the consumer on XX/XX/XXXX. Our initial validation notice, including the right to dispute language, was mailed to the consumer on XX/XX/XXXX. Follow up notices were mailed to the consumer on XX/XX/XXXX and XX/XX/XXXX. Each of these notices was mailed to the consumer at the same address provided in this complaint, and were not forwarded or returned by the postal service.the response of the company is a dispect to my rights as a consumer, the company response as : Our response remains unchanged.by this being stated, ARS RESOLUTION SERVICES has accepted all liabllity by NOT providing with the documents to verify this dent under fdcpa..I NOW WILL BEGAN TO START MY FEDERAL LAW SUIT UNDER MY RIGHTS AS A CONSUMER AND UNDER United States Court of Appeals , XXXX Circuit. 
XXXX XXXX, Appellant, v. XXXX XXXX XXXX. 

XXXX. 
Decided : XX/XX/XXXX and IN THE UNITED STATES COURT OF APPEALS FOR THE XXXX  CIRCUIT No. XXXX XXXX XXXX, Plaintiff-Appellant, v. 
XXXX XXXX XXXX  XXXX, et al., Defendant-Appellees. 

ON APPEAL FROM THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEVADA this company has continued to violated my right under fcra & fcdpa1 by not providing me the account number of this debt.2has not provided me with no proper validation documents.3.no account number in regards of this debt.4.by not ceasing and desing this collection like demanded by the consumer.5The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the THIS IS A HIPPA VIOLATION, NO RELEASE FORM HAS BEEN SIGNED BY ME THE CONSUMER UNDER SUBCHAPTER15 U.S. Code 1692g - Validation of debts ( a ) 15 U.S. Code 1692c - 15 U.S. Code 1692e
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 at XXXX XXXX, I logged into www.myequifax.com to view my credit report. I noticed that my credit report and freezing/unfreezing of my account were unavailable for viewing. I called in on XX/XX/2022 and was told that I need to fax over my driver 's license and social security card in order to view my credit report. I found that was odd ; when I'd reviewed my report on XX/XX/2022 without issue. However, I faxed the requested information over to XXXX. I was told to wait 24-48 hours to have it updated. On XX/XX/2022 I logged into myequifax.com and I was able to see the outdated addresses listed and started disputing for removal. Some of the addresses listed, I was unable to remove and given a phone number to call. I called in and spoke with a guy that stated he removed the 3 addresses. I waited several and logged back in and now I was back to square one, where I'm unable to view anything. Called back and advised the rep what was going on. She stated that when documents are faxed it takes up to 5 business days to be processed, not 24-48 hours. Fine! I was given the option to send her my driver 's license and social security card, via email. She then stated that my account has be verified and that I can now login and view my credit report. That was not the case! I advised her that I'm still getting the same errors as before. The rep advised that I wait maybe a few hours. Needless to say, today is XX/XX/2022 and... Nothing! 

Lastly, I have no problems viewing my reports from XXXX and XXXX. Even attempted XXXX to get Equifax, the message states to directly contact the bureau.
Product: Debt collection

Hello FTC ; Comenity Bank calls my phone and my wife 's phone numerous times a day. Starting before XXXX every week day and every Saturday and Sunday until after 2100.We are enrolled with XXXX  XXXX XXXX XXXX XXXX and they have issued Comenity Bank multiple power of attorney notifications in which case a Comenity Bank agent informed me they don't work with debt solution companies. Comenity Bank has called my brother and my son.This has been ongoing since we started with XXXX XXXX XXXX on XX/XX/2020 to present XX/XX/2020 were they called my brother this morning. I ask that the FTC abolish all my debt and all my wife 's debt with Comenity Bank and fine them {$1000.00} for breaking FTC laws. Thankyou.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX ( XXXX ) requires new and EXISTING Public Record data, including Bankruptcy Public Record data, to have a NAME, ADDRESS, and either SOCIAL SECURITY NUMBER or DATE OF BIRTH before appearing on Consumer Credit Records from the three nationwide credit reporting companies. This policy was implemented to increase the ACCURACY of credit reports and ease the burden on consumers to correct errors on their credit reports. I have a Bankruptcy Public Record on my credit reports. This Bankruptcy Public Record DO NOT contain my NAME, ADDRESS, and either my SOCIAL SECURITY NUMBER or DATE OF BIRTH as required by the XXXX ; therefore, the Bankruptcy Public Record on my credit reports is INACCURATE. Additionally, the XXXX requires that the data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records. The Bankruptcy Public Record on my credit reports is now 9 YEARS AND 7 MONTHS OLD.
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 1666A 1666B 1666C 1666D 1666E and 1666F. Account XXXX : XXXX XXXX. 
A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, XXXX XXXX.
Product: Vehicle loan or lease

i applied for a XXXX XXXX XXXX in XXXX of XXXX and it is now XX/XX/XXXX i put XXXX down on a down payment i have never received a title each time the tag has came up to the expiration date i had to go to the car dealership and recontract every single time and the loan still did not go through and now he is wanting me to put XXXX more to the down payment which was XXXX dollars months ago due to my XXXX XXXX being lower from the first time we ran it he keeps having me recontract so now i gave the car back and asked for my down payment back and his response was i can not give you your down payment back because you have been using the car since you got it which does n't make sense because it was not my fault it was theirs..
Product: Debt collection

My wife handled all of our bill paying up until she died last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), XXXX XXXX XXXX XXXX Discover Bank and XXXX XXXX XXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.
Product: Debt collection

I have received repeated phone calls from Phoenix Financial Services ( aka PFS LLC ) that shows up on my phone as Spam. When I finally answered there was a long pause and a woman finally tried to prounounce my name but was barely able to get it out -- my name isn't that hard. I asked her to tell me who this was and to pronounce my name correctly. She started to argue with me and say she did prounounce it correctly ( she didn't ). I asked her to remove me from her list and to stop calling. She continued to argue with me and then hung up. 

This is a debt collection firm and I do not have any outstanding debts.
Product: Debt collection

In XX/XX/XXXXI made the mistake of contacting CashCall for a payday loan. After years of debt payments, I was able to replay the loan in XXXX. I requested payment confirmation at the time, it was never sent to me by CashCall. 

7 years passed, with no letters, calls, etc. 

Yesterday morning, they were somehow able to withdraw {$3500.00} from my checking account as a " collection action ''. I know they are currently in court ( with the CFPB I think ) for illegal actions just like this ; what can I do?
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. As a victim of a data breach, my personal information has been compromised, and the accounts and inquiries are fraudulent.

Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file.

Fraudulent Accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$3900.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2200.00} Unauthorized Inquiries : XXXX. XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. US DEPARTMENT OF EDU - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX To Whom It May Concern : This letter is regarding inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This violates the Fair Credit Reporting Act Section 1681b and seriously breaches my privacy rights. I further remind you that, as in XXXXXXXX XXXX XXXXXXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act Enc. Driver 's License, SSN card, and Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report agency Experian dad a data breech. Had my bank account hacked and lost my job over it. then it set back by having to wait to resolve the bank problems. The credit reporting agency said my information was breached. No want records from over two years ago.
Product: Mortgage

Hi, I took part in the covid relief program for 8 months. I was told that I would have repayment options available when my forbearance plan ended. 

My forbearance plan end date is XX/XX/2023. I paid my mortgage payment in XXXX and called to set up auto payment only to find out I am required to pay my lump sum in full with NO repayment options available. If on the XXXX I am not able to pay the lump sum, they will start the foreclosure process. 

The information provided and explained to me was portrayed in a way that I understood I would have repayment options. According to Penny mac, it is up to the insurer. I reviewed the covid relief program paperwork and it also portrays and states that a lump sum payment is not required if it is not possible at the time of the plan end date. 

Penny mac and XXXXXXXX XXXX are looking into this but have yet to inform me of any findings. My concern is the XXXX will come, and I will be stuck and default on my loan, starting the forbearance process. 

I am happy to help provide more documentation or discuss further. I am hoping this gets another look and reconsideration. 

Thank you, XXXX XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against LVNV Funding LLC for failing to investigate and remove fraudulent debt from my credit report, despite multiple disputes and the submission of supporting documentation. This inaction has resulted in financial harm, including my recent denial for a loan. I intend to seek legal action against LVNV Funding LLC and the credit bureaus for their failure to comply with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I sent a certified dispute letter to LVNV Funding LLC regarding a fraudulent collection account appearing on my credit report. Despite the legal obligation to investigate and respond, the company has failed to reply. 

Background of the Dispute : In XX/XX/2024, after discovering fraudulent accounts on my credit report, I placed a freeze on my credit and filed a police report documenting identity theft. 

I submitted formal disputes to XXXX XXXXXXXX and LVNV Funding LLC in XX/XX/2024. XXXX XXXX promptly removed the fraudulent accounts, but LVNV Funding LLC did not act. 

On XX/XX/2024, I mailed dispute letters to all three major credit bureaus ( XXXX, XXXX, and XXXX ), providing a copy of my police report, CFPB complaint, and prior correspondence with LVNV Funding LLC. 

Despite my submissions, LVNV Funding LLC failed to investigate or remove the fraudulent collection from my credit report. Additionally, the credit bureaus verified the debt as valid, further damaging my credit profile. 

Violations and Request for Resolution : LVNV Funding LLCs failure to investigate and respond violates the FCRA, which mandates that furnishers of information must investigate disputed accounts and remove unverifiable or fraudulent information. Their inaction has caused significant harm, including my inability to secure a loan. 


I have provided all necessary documentation, including my police report, CFPB complaint, and certified mail receipt to the credit bureaus and to LVNV to substantiate my claim. Please address this issue with the urgency it demands. 

I request that CFPB take immediate action to : Investigate XXXX Funding LLCs failure to respond to my dispute. 

Require LVNV Funding LLC to remove the fraudulent debt from my credit report. 

Impose penalties on LVNV Funding LLC for its failure to comply with FCRA regulation
Product: Checking or savings account

On XXXX XXXX I transferred {$350.00} from my XXXX XXXX account, to my paypal account.. the transfer completed on XXXX XXXX end ( i have documents to prove it ) but the {$350.00} never showed in my paypal balance. The money went unclaimed and that was the first time i ever saw something like that on my paypal account. I didnt know you had to wait 30 minutes or that i can go to accept the payment so i decided to hit the refund option. Well i havent saw my {$350.00} since then. It is now XXXX and i finally got a response from someone and now their back to not responding, and the customer service representatives are no help none what so ever. I have a response from XXXX XXXX  telling me if i show my XXXXXXXX XXXX statements from XXXX XXXX they will give me a reimbursement. I havent heard from him since and all of the customer service representatives just tell me its completed on their end they cant help. I just want what is mines back. Its been well over 30 days. This is unacceptable, again i have all proof of what im saying my XXXX and XXXX XXXX XXXX statements will show I didnt receive the {$350.00}.
Product: Debt collection

I recently reviewed a copy of my consumer report and noticed a fraudulent account on my report. I have no contractual relationship with Wakefield & Associates and did not authorize this company to provide any data regarding me in any capacity. See 15 USC 1681 Permissible Purposes. The account should be deleted immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I XXXX  a moving company {$580.00} to complete a move. Subsequently, the movers did not complete the move leaving saying they would be back and never returned. The movers required upfront payment. After getting someone on the phone and recording them stating that they said they were returning and in fact had no intentions on doing so, I contacted US Bank to report the transaction as services not rendered. The young lady that I spoke with assured me that I would have my funds back in my account within XXXX business days after verifying that she simply couldnt cancel the transaction, but an official claim needed to be submitted. After not receiving the credit back to my account, I contacted US Bank on XX/XX/2022 and was advised that my case was just assigned to a claims XXXX and to give them an additional XXXX business days. Since then, I contacted US Bank a third time and was advised that m claim was denied on the same night I filed the fraud claim and that they dont return XXXX payments. I asked to speak to a supervisor and it has been over XXXX weeks with no response from a supervisor or anyone else.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with documents showing proper validation for negative items reporting on my credit report. Instead they sent a letter stating that certain items were verified with the original creditors, but where is the PROOF??? I am aware of my rights under the FCRA and Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you ca n't just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is " Verified ''. This means that IF you ca n't send me proof of these accounts from YOUR COMPANY, it must come off. Please make sure that Equifax abides by the law and provide documentation or delete immediately. 

Account Name : XXXX XXXX 'S. Account Number : XXXX Account Name : XXXX XXXX. Account Number : XXXX Account Name : XXXX XXXX XXXX. Account Number : XXXX Account Name : XXXX. Account Number : XXXX Account Name : XXXX XXXX. Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had canceled XXXX XXXX 3-4 years ago. I had already turned in the XXXX XXXX receiver box the next day so I wouldnt get charge for holding the box receiver. Whats the point of having the receiver box when I dont have XXXX XXXX account. It keeps on appearing on my Credit Report. I would like to have this removed on my Credit Report please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

The mortgage we currently have with Ocwen is horrible. We have been making regular payments on time for the last 4 years and the loan amount is the SAME! How can that be? Every time I call them I get transferred several times and when I finally get to someone they state they have no record of the loan. So, where is my money going? And if there is no record of the loan ... then who am I paying? And are the embezzling the money? I have had mortgages before and the amount I owe tends to go down at some point. This is horrible and I ca n't seem to find anyone willing to help! Can you?