23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, La. XXXX XXXX Date : XX/XX/year> RE : Complaint Regarding Debt Collection Practices by LVNV Funding Dear CFPB I am writing to file a complaint against LVNV Funding for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
Account Details Account Number : ( XXXX ) Nature of Complaint I have received collection notices from LVNV Funding regarding an alleged debt. I have disputed the validity of this debt in writing on two separate occasions. 
First Dispute Date : ( XX/XX/year> ) Second Dispute Date : ( XX/XX/year> ) In my dispute letters, I requested debt validation as outlined in 12 CFR 1006.34 and its subchapters. LVNV Funding failed to respond to my first dispute entirely. They responded to my second dispute with a letter that did not validate the debt. Instead, they sent a stall letter offering account statements and payment history. 
I did not request account statements or payment history. My request was solely for debt validation, which includes verification of the original creditor, the amount of the debt, and ownership of the debt. 
LVNV Funding Never Provided Proof of Service LVNV Funding claims I have had the opportunity to dispute this debt. However, they have not provided any proof of service for any previous collection notices they may have sent. I have never received any certified mail with a tracking number addressed to me or signed for by me.

Request I request that the CFPB investigate LVNV Funding 's debt collection practices in this matter. Specifically, I request : LVNV Funding be required to validate the debt according to 12 CFR 1006.34.

LVNV Funding cease all collection activity until the debt has been validated.

If the debt can not be validated, LVNV Funding be required to remove all negative information about the debt from my credit reports.

Thank you for your time and attention to this matter. I look forward to your response and the resolution of this complaint. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I started a dispute. XXXX said they validated the account. They did not explain what they did. XXXX XXXX was unable to validate the account and sent me a letter saying that they would not continue to report this account to the Bureaus. Accounts are still being reported.
Product: Credit card or prepaid card

Synchrony Bank, which runs the XXXX private label credit card, sent me an email offer on XX/XX/XXXX stating " Receive {$25.00} in Bonus Rewards Dollars when you spend {$50.00} outside of XXXX and XXXX XXXX XXXX  with your XXXX Mastercard from XXXX XXXX-XXXX XXXX, XXXX. '' I spent {$50.00} outside of their stores during the promotional period, but was only issued {$20.00} in reward dollars. Upon calling Synchrony Bank on XX/XX/XXXX to inquire about my remaining {$5.00} in rewards dollars that I was supposed to have received, I was informed that rewards certificates are issued in increments of {$20.00}, and that I would need to make an incremental purchase in order to bump my rewards dollars balance above {$20.00} in order to receive the remaining {$5.00} in rewards. After escalating the matter to a manager named XXXX ( ID # XXXX ) I explained to her that the advertisement was misleading - nowhere in the email or fine print did it state that I would receive {$20.00} in rewards dollars first, and only upon making another purchase of at least {$150.00} ( @ 10 % typical rewards rate ) would I be able to earn the necessary incremental {$15.00} to issue a second rewards certificate of {$20.00}. I also added that if they knew their system only issued rewards certificates in {$20.00} increments, why would they promise customers {$25.00}? Why not offer {$20.00} in exchange for {$40.00} of outside spend? I explained to her that this was a clear case of bait and switch and an obvious UDAAP violation as the terms of the offer were misleading. XXXX dismissed my concerns and I let her know that I would be filing a complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am really hoping that you guys can assist me in removing these negative erroneous items from my credit report. I have reported all of the accounts that were not supposed to be on my report. As a matter of fact I have initiated an investigation more than once with each credit bureau with no response from either bureau. I have several things on my credit which are preventing my family from moving forward in the homeowner process and many other aspects of our financial life and freedom. Please assist me with getting these negative erroneous things removed from my credit as they are accounts that have been falsely reported to my credit report.
Product: Debt collection

Dear XXXX Collector I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX refuses to provide me with account information which I am entitled to under Financial Services Law, specifically Part 419 of Title 3 of the official compilation of codes..of the XXXX XXXX XXXX. XXXX XXXX, by acknowledging me as an equal borrower on this note, has failed to provide me with information that needs to be provided to each borrower. I was not notified of the transfer of this loan but rather discovered it on my credit report in XX/XX/XXXX. I received the transfer letter in XX/XX/XXXX in a packet via XXXX XXXX attorney generals office. I was not given the notice of delinquency that I am entitled to if the borrower is more than 45 days late ( XXXX ). Never received requested payoff balance, requested annual statements, escrow balances or proof of property insurance! All this incompetence from a Mortgage Servicer. Outright refusal to provide required information! How can I verify the accuracy of this account? This needs to be removed from my credit report until ALL requested information is provided.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$3200.00} XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$5400.00}
Product: Credit card or prepaid card

Transaction Details Transaction Date : XX/XX/21 Transaction Amount : {$650.00} Merchant/Description : XXXX XXXX XXXX, I XXXX Dispute Details Dispute Date : XX/XX/21 Dispute Amount : {$650.00} Dispute ID : XXXX I have called Citi credit care company numerous times , sent them all the information they have requested. They assured me I would be credited multiple times ( which is recorded on their end ) but they never credited my account. The last conversation I had with them was they would call me back. If I received a call they never left a message.
Product: Mortgage

I have tried to resolve my delinquency with SPS since XXXX. I have continually been I threw in the towel last XX/XX/XXXX and obtained an offer to purchase my home because SPS refused to work with me and modify my mortgage so I could resume making payments. 

Unfortunately, the sale fell through due to situations that I could not control. I took that as a sign to possibly reengage with SPS to modify my mortgage and retain my home. Over the past year, I thought SPS would eventually work with me and modify my mortgage ; however, SPS ultimately decided that they would not offer me a retention offer ; their only offer was to sell the property or do a Deed in Lieu. Since the Deed in XXXX would prevent me from receiving any profit, I started searching for an offer to purchase. I received a ratified contract on XX/XX/XXXX. 

SPS scheduled a foreclosure sale during my XXXXday appeal period, as outlined in the attached Mortgage Assistance Retention response. I have sent a Notice of Error stating that this should not have occurred because no sale date should have been scheduled during the appeal period. If SPS had not entered this sale date, I would not have the issue of requesting the postponement of the XX/XX/XXXX sale date. As you can see, I obtained a ratified purchase contract on XX/XX/XXXX, less than 10 days after my appeal period ended. 
SPS has stated they will not cancel or postpone the XX/XX/XXXX, sale date because the previous offer to purchase, over a year ago, did not go to settlement. 
However, SPS continues to state that they are attempting to help me. I feel as though they are determined to hurt me and strip me of equity in my home by forcing the foreclosure sale date. I believe the actions are criminal and attempting to take advantage of me.
Product: Credit reporting 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. 

XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 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

This is a retaliatory debt. The landlords were not fixing things in my apartment so I filed complaints to the city, and filed a lawsuit because of this. In XX/XX/2023, because they still weren't fixing things, and because they were threatening me with charges for maintenance because I reported them to the city. They were also not accepting my rental payment in XXXX in retaliation against me as well. XXXX was ready to be paid to them, but they kept refusing it, then they tried to file an eviction against me when they weren't accepting my rent XXXX left on XX/XX/XXXX and sent them a text verifying my departure. Then months later I see this collections record on my credit report for 2 months and they charged late fees and took my deposit by my calculations. They did not inform me of this balance before sending it to collections. And it's a fraudulent and retaliatory debt. If they believe the debt is valid, they can sue me, but it's not valid, so it needs to be removed. They were also not doing anything about my neighbors dogs barking, using drugs, smoking, and harassing me. So I had to leave!! They were NOT UPHOLDING THEIR END OF THE LEASE, AND I NEED HELP FROM SOME GOVERNMENT REPRESENTATIVE WITH THIS. Landlords were also refusing to move me while they moved other tenants. And the landlords even lied to the police saying that they offered to move me. I attached proof of it all!! My doctor wrote a letter saying I need to be moved from there because they weren't fixing the mold issue that infected me. All included. Included their threats against me too! & Included the city citations for the landlords not fixing XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to repost and report inaccurate information from an accident that occurred over 5 YEARS AGO. At that time XXXX admitted to me the client that it was not my fault, and that i shouldn't have been at fault after they did a second investigation. They had advised me it was too late as they had already paid the other driver and that i should go ahead and sue them. This was coming from a XXXX employee. Well, they removed the information a few years ago since it was reporting inaccurately. Just recently they readded this information to my LexisNexus report, which is causing issues for me to be able to get insurance and is causing several other issues. I believe this information is not only being inaccurately reported. The police officer left the scene when i was in an ambulance and covered up the other driver running a stop sign. XXXX removed the information because they agreed it was inaccurate and false. I have attempted to work with XXXX and LexisNexus. LexisNexus reports this information as updated yet it's still showing on there and advised me to contact statefarm. It's a back and forth cycle i want this information corrected. As Information shouldn't be on a report past 5 years anyways. Per Texas state law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XX/XX/2016 a fraudster took out a vehicle with XXXX XXXX XXXX using my credit information. I have contacted the three bureaus ( Equifax, XXXX XXXX XXXX ) but Equifax and XXXX add it back on. I have filed a complaint with the Federal Trade Commission and also filed a Identity Theft Affidavit in which I certified to make sure they have received all proper documentation. XXXX has removed but Equifax and XXXX have not permanently removed this fraudulent account from my credit. Clearly I need additional help to let them know they need to do a better investigation. They are not complying properly under the Fair Credit Reporting Act. Identity Theft has affected my credit tremendously and since then have been turned down by both lenders and creditors because of this fraudulent account. This is not OK! I have requested additional information multiple times and I haven't received anything. I also made sure that I sent everything via certified mail. I want this fraudulent account that falsely shows that I owe XXXX XXXX XXXX {$8300.00} removed immediately before I am forced to seek further legal action.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates 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. Also, there dispute resolution process was unfair and deceptive as they did not comply with resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions has cost significant inconveniences and financial loss and I see appropriate redress of these violations.
Product: Credit reporting or other personal consumer reports

I requested that Experian Credit Bureau investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXX.Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX On XX/XX/2024, I submitted a dispute regarding an inaccurate account on my credit report to TransUnion. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is required to investigate and respond to my dispute within 30 days. However, TransUnion did not respond to my dispute until XX/XX/2024, which is beyond the mandated 30-day period. 

ACCOUNT DISPUTED WAS XXXX XXXXXXXX XXXX  The delay in response has caused me significant inconvenience and potential harm to my financial standing. I believe this delay constitutes a direct violation of the FCRA.
Product: Debt collection

SEQUIUM, a debt collector, emailed me and said I had an account with XXXX. There is fraudulent activity going on here. I do not have an account with either company.
Product: Credit card or prepaid card

This is the third complaint I have filed with this company and they refuse to give me the stimulus money that was awarded to me and my family. I have done what I needed to do and updated my address with the post office. When I called the post office to confirm they stated that they have my address change form and it was processed. They also mentioned that certain mail needs to have permission from the sender in order for it to be forwarded. Has moneymart done that? What they are doing is unfair, the money was clearly given to me because I am someone who is in the low income bracket and for this money to not be given to me is causing financial difficulties. The last response they gave me was that I would have my EIP card by XX/XX/XXXX and that never happened. If this does not get resolved I will take legal action. They should not be given a huge responsibility if they can not serve the public in a proper manner. 

Also the number provided last time does not give the option to speak with an agent. In order to do so you are required to enter the card number who check I do not have.
Product: Mortgage

We had a refinance closing with XXXX scheduled for XX/XX/XXXX. The person from the title company came to our house to do it and we thought everything went fine. About XXXX weeks later, we got a call stating " the date on the settlement documents was incorrectly typed for the XXXX, not the XXXX ''. Therefore we needed to do a closing for a second time. We had it scheduled for around XX/XX/XXXX. No one showed up or called. We scheduled a XXXX attempt for XX/XX/XXXX. This time, we closed and everything seemed fine. I set all the paperwork aside after the closing and didn't look at it again until I was filing it away about a month or XXXX later. That's when I noticed that the monthly payment was the same amount from the first settlement on XX/XX/XXXX and the final settlement on XX/XX/XXXX. Here 's my concern... I made XXXX bi-weekly payments between the XXXX closing dates totalling {$2800.00}. How could my monthly payments be identical if I paid that much extra? I did receive an " escrow surplus refund '' check in the amount of {$930.00} ( still not cashed ) dated XX/XX/XXXX. The remaining XXXX payments were applied to the loan that was being refinanced ( also a XXXX loan ). The total loan payoff amount as of XX/XX/XXXX was {$180000.00} and as of XX/XX/XXXX was {$180000.00}. I also paid more in closing costs the final time. My points went up from 2.046 % on XX/XX/XXXX to 2.59 % on XX/XX/XXXX. This caused my total closing cost to go from {$11000.00} on XX/XX/XXXX to {$13000.00} on XX/XX/XXXX. An increase of {$1800.00}. Why was I penalized because XXXX had a date mix-up? I tried handling all of this directly with XXXX. I have logged over XXXX hours of calls and an email or XXXX, all to no avail. I am currently waiting for a call back that should have occurred over XXXX weeks ago. No one ever calls back. I always have to call them and start my story all over again each time I call. I initially emailed XXXX on XX/XX/XXXX who told me I had to call the loan department. They referred me to Loan Servicing. They referred me to senior representatives and then to the Retail Department. I didn't start tracking dates, times and names initially. But after my XXXX or XXXX call, this is what I have... I spoke with XXXX and XXXX on XX/XX/XXXX or XX/XX/XXXX, XXXX on XXXX, XXXX on XXXX, XXXX on XXXX and XXXX XXXX XXXX XX/XX/XXXX. After speaking with XXXX for over an hour, he told me he had typed/written down our entire discussion so that he could pass the issues along to the proper individuals and they would contact me " by the end of the week ''. That was on XX/XX/XXXX and as of today, XX/XX/XXXX, I have yet to receive any form of communication from XXXX. Any assistance would be greatly appreciated as I am at witts end trying to get a legitimate response. Here are some of the phone numbers I managed to aquire... 
Loan Department XXXX Loan Servicing XXXX Retail Department XXXX XXXX XXXX ext XXXX XXXX XXXX XXXX Thanks in advance, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am part of a class action lawsuit against XXXX XXXX XXXX, as a result my attorney was looking over how they are reporting and I noticed the late payments XXXX XXXX XXXX has been reporting from 2017. 
My XXXX  XXXX XXXX accounts are reporting I was 120 and 150 days late back in XXXX, XXXX and XX/XX/2017. This is not accurate. 
Also, the identical XXXX XXXX XXXX account is being reported 3 times. This is severely misleading I make 1 payment each month I have never been late for any of these accounts. I send in 1 payment every month to cover all the accounts. XXXX XXXX XXXX was not properly allocating the money at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.