23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX {$1000.00} Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified. 
If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report.
Product: Debt collection

Despite my efforts, LVNV Funding LLC has refused to honor my written opt-out requests for the three adverse accounts they are reporting to my XXXX consumer report. As of XX/XX/XXXX, I have filed an identity theft report with the Federal Trade Commission ( FTC ) in accordance with 12 CFR 1022.3 Definitions, which defines identity theft as a fraud committed or attempted using the identifying information of another person without authority. LVNV Funding LLC has violated both the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the regulations outlined in 12 CFR 1016.1, with particular focus on the provisions related to consumer privacy rights, opt-out notices, and the prevention of identity theft. 

Under the Privacy Act of 1974, the term " record '' is comprehensively defined to include any item, collection, or grouping of information about an individual maintained by an agency, explicitly encompassing consumer reports. I believe that LVNV Funding LLC may have engaged in activities that violate the provisions set forth in the Privacy Act by mishandling and possibly disclosing sensitive consumer information without proper consent.

Furthermore, under 12 CFR 1016.1, financial institutions, including LVNV Funding LLC, are mandated to provide notice to customers regarding their privacy policies and practices. This includes the conditions under which nonpublic personal information about consumers may be disclosed to nonaffiliated third parties. Consumers are granted the right to opt out of such disclosures, subject to certain exceptions. 

LVNV Funding LLC has violated the following regulations : Failure to Provide Clear and Conspicuous Opt-Out Notice ( 12 CFR 1016.7 ) : Financial institutions must provide a clear and conspicuous notice to consumers explaining the right to opt out, including a reasonable means to exercise this right. Any failure to do so constitutes a violation. 
Unreasonable Opt-Out Means ( 12 CFR 1016.7 ( a ) ( 2 ) ( iii ) ) : LVNV Funding LLC must provide reasonable means for consumers to opt out, such as check-off boxes, reply forms, electronic means, or toll-free telephone numbers. Failure to provide reasonable means is considered a violation. 
Timely Compliance with Opt-Out ( XXXX CFR XXXX ( g ) ) : Financial institutions are obligated to comply with a consumer 's opt-out direction as soon as reasonably practicable after receiving it. Any failure to do so is a violation. 
XXXX XXXX to XXXX XXXX ( XXXX CFR XXXX ( h ) ) : Consumers have the right to opt out at any time, and financial institutions must respect this right. 
Duration of XXXX 's XXXX XXXX ( XXXX CFR XXXX ( i ) ) : A consumer 's direction to opt out is effective until revoked in writing or electronically, as agreed upon by the consumer. 

I want to emphasize that I take these matters seriously, and I am prepared to pursue legal action to seek justice for the violations of my rights. If a resolution is not reached promptly, I will have no choice but to pursue this matter through the appropriate legal channels. Please consider this letter as a final opportunity to rectify this situation before I proceed with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I mailed a certified dispute letter to XXXX XXXX., on XXXX they received the letter, XXXX they sent me a copy of the original loan agreement. On XXXX I pulled my credit again and realized they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the in dispute by consumer disclosure within the required 30-day period.
Product: Vehicle loan or lease

On XX/XX/XXXX, I and my wife XXXX XXXX XXXX received a letter from PRA Receivables Management , LLC in regard to a claim amount of {$32000.00} stating that this claim amount was owed from the purchase of a XXXX XXXX XXXX, that my wife and I purchased in XXXX. In the letter it stated that the claim amount originated with XXXX, XXXX then sold the loan to Portfolio Recovery Associates , LLC ( PRA ). { Letter enclosed } I received the claim in the amount of {$32000.00}. I wrote the company PRA Receivables Management , LLC and disputed the claim. I asked the company to please provide us with an explanation as to how the amount of {$32000.00} was derived at, because the documents I was sent made no sense to me { Documents enclosed }. There were late fees charged and interest being charged that did not show by any calculations as to how the interest, fees and other charges where charged. The documents do not show where any payments were made on the loan while we were in bankruptcy. Also, the documents sent show {$6400.00} as of XX/XX/XXXX, was added to the claim, but does not show where it comes from. 

We believe that we are being over charged on the balance of the loan, that amount we never received. We purchased the vehicle in XXXX, Paid on the vehicle for 4 and a half years before we filed bankruptcy in XXXX. 

We do not owe anywhere close to what this company is claiming. We are being considerably over charged and seek you help in this matter. 

Thank you. 
XXXX, XXXX XXXX XXXX XXXX
Product: Credit card

I paid in full a credit card account on XX/XX/XXXX. Then on XX/XX/XXXX Bank of America debited my bank account {$510.00} to pay on the credit card. I have reported to Bank of America that the {$510.00} payment was made in error because the credit card already showed a XXXX balance. Further this payment overdrew my checking account and checks issued on that account will therefore be overdrawn. I tried to cancel the transaction online and could not. I then went to the bank to explain the situation and ask them to 1-refund the funds to my checking account, 2-remove any overdraft fees and 3-CANCEL the automatic payments. ( NOTE : I have repeatedly requested that the bank cancel the automatic or teller assisted payments and I have tried to do this online. It seems that this is an internal system issue and all attempts have not been successful. ) On Friday, XX/XX/XXXX the Bank could not assist me with this problem. They said " Wait til monday to see if the system corrects itself. '' This morning, XX/XX/XXXX my checking account showed overdrawn and the credit card account showed a credit balance of {$510.00}. I returned to the Bank and eventually was assured that the correction would be made and funds would be available in 7-10 business days. The bank told me that the Automatic payments would cease and they told me to return to the bank to have overdraft charges removed. I find this solution to be unacceptable a credit to my checking account should be made immediately and all overdraft fees should be waived.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting an investigation into certain accounts that appear on my credit report. These items may be in violation of federal consumer protection laws, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure my report is accurate and compliant. 
According to XXXX XXXX, I have a legal right to privacy and accuracy regarding my financial data. Specifically : XXXX XXXX Section XXXX ( a ) affirms my right to financial privacy. 
XXXX XXXX Section XXXX ( a ) ( XXXX ) states that accounts can not be reported without explicit written authorization. 
XXXX XXXX ( a ) ( XXXX ) prohibits reporting adverse information older than XXXX years ( except criminal convictions ). 
XXXX XXXX ( a ) ( XXXX ) requires furnishers to ensure all reported information is accurate. 
Given these legal protections, I request a thorough review of the disputed items. If they can not be substantiated with proper documentation, they should be removed immediately. Please provide written confirmation of your investigation and any corrective actions taken
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the Accounts below, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXXXXXX XXXX XXXXXXXX Late Payment XXXX XXXXXXXX XXXX XXXXXXXX Late Payment XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX Late Payment XXXX XXXX  XXXX Late Payment XXXX XXXX XXXXXXXX Late Payment XXXXXXXX XXXX XXXXXXXX Late Payment XXXX XXXX Late Payment
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions in the months of XXXX, XXXX and XXXX, I contacted Equifax to dispute a bankruptcy and a few liens that were showing on my credit report. I was told that they got their information from XXXX XXXX. I also tried numerous times to get in touch with XXXX XXXX to get a copy of my consumer report from them and was n't able to get a copy until XXXX. On or around XXXX XXXX, XXXX, I tried once again to get Equifax to remove the bankruptcy and liens listed on my report and they once again came back XXXX the XXXX stating they received the information from XXXX XXXX. I finally received a copy of my XXXX XXXX report on the XXXX of XXXX and it did not have the Bankruptcy or the liens I disputed listed on them. I 'm confused at this point. How can you say you received the information from them, when it is not listed on their report to begin with. The XXXX XXXX report also lists companies who requested my report, Equifax is not listed there.
Product: Checking or savings account

UMB Bank failed to provide me with the following proof of payment for check number XXXX, in the amount of {$49.00}, check issue date XX/XX/XXXX : # 1 A copy of what UMB mailed to the to the merchant ( as the merchant claimed they did not receive the check from UMB ), and # 2 If the merchant redeemed the check, a copy of the proof ( back of the cancelled check ).

I requested the above documentation from UMB at the beginning of XXXX, and followed up with UMB at least 5 times and spent over 7 hours on the phone with UMB.

UMB withdrew the funds from my interest bearing account on XX/XX/XXXX. 

UMB agreed they were the responsible party to provide the documentation and agreed to provide. Banks generally have the documentation available immediately, or within 24-48 hours, however its been 5 months and UMB has still not provided the documentation.

The merchant put my account in to collections due to no check being received from UMB and no proof of payment documentation from UMB.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I sent the below ( attached ) bank statement proving that the money came out of my account to pay my XXXX, XXXX mortgage payment so they can correct the misinformation being published on my credit report and Transunion told me they had removed the mistaken delinquency. However, upon receiving the ( also attached ) credit report by XXXX I notice that they did not fix the incorrect delinquency under Accounts with Adverse Information specifically account Onewest Bank/Loancare XXXX XXXX Otherwise, my credit report is correct. 

Even if XXXX claims I did not make my mortgage payment XXXX XXXX, they have also violated my consumer right per 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) when mistakenly reporting a missed payment. Per the above law, the creditor was required to get my permission before reporting to credit bureaus to report the one month delinquency in question but never did. They sent a letter saying they have to report supposed late payment by law but they never gave me the option opt out of disclosing the late payment to a third party as required per 15 U.S. Code 6802 ( b ) ( 1 ) ( B ). 

The late payment is showing up for the month of XXXX, XXXX. The creditor is XXXX, XXXXXXXX XXXX  ; account number : XXXX. 

For the purposes of 15 U.S. Code 6802 ( b ) ( 1 ) ( B ), a 30-day mortgage late payment is generally considered personal information. This section of the law pertains to the privacy and security of " nonpublic personal information, '' which is defined as " personally identifiable financial information '' that is not generally available to the public. A 30-day mortgage late payment would typically be considered personally identifiable financial information, as it pertains to an individual 's financial history and could be used to identify that individual. Under the law, financial institutions ( such as mortgage lenders ) must provide their customers with a clear and conspicuous notice about their privacy policies and practices, including how they collect, use, and protect nonpublic personal information.

Financial institutions are also required to take steps to safeguard this information and prevent unauthorized access or disclosure. If a financial institution intends to share a customer 's nonpublic personal information with a third party, they must provide the customer with an opportunity to opt out of such sharing. Overall, a 30-day mortgage late payment would typically be considered personal information under 15 U.S. Code 6802 ( b ) ( 1 ) ( B ), and financial institutions must take steps to protect the privacy and security of this information.

For purpose of 5 U.S.C. 1681 refers to the Fair Credit Reporting Act ( FCRA ), users of consumer reports ( such as lenders ) must obtain the consumer 's consent before obtaining their credit report - XXXX XXXX XXXXXXXX obtained my credit report on XX/XX/XXXX without my consent ( proof attached ). Therefore, please, have XXXX delete the delinquency completely from my consumer report like they said they already had.
Product: Student loan

Complaint is agai nst Navient I  keep submitting payments on time and they are processing them a week later and the payment is through a checking account. I understand a day or so for processing, but when I pay a bill at  XXXX  on the  XXXX  that is due on the  XXXX  it should post by the  XXXX . In fact they posted one of my payments on the day after it was due (  XXXX  ), but not the other larger payment. This has happened before.
Product: Credit reporting, credit repair services, or other personal consumer reports

ISSUE : Business Credit Card Accounts, showing on my personal credit report ( never before ) as Late Payment and damaging my good 20+ years of personal credit, taking me down and troubling even Business from applying new credits /SBA Loans to jump start the operations during this COVID PANDEMIC time. 

Here are the details -- -- Chase Ink Business Credit Account Numbers : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Credit on Business Name :XX/XX/XXXX XX/XX/XXXXBusiness Credits opened : XXXX Accounts Closed : XX/XX/XXXX due to financial troubles with Business and high interest rates on credit and so closed to pay off the balance with a monthly flat pay as agreed Payment : Paying as agreed by business. 
COVID PANDEMIC : Business was in hot water during this pandemic, missed couple of payments under $ XXXX in XXXX & XX/XX/XXXX. No help received from Chase for Business for any deferment and Officer ( I ) moved to another state ( XX/XX/XXXX ) for income generation and to support bills / payments and other financial support for XXXX treatments ( in-laws ). During this relocation and settle down time, missed communication/ correspondence from Bank on Business Accounts & Due Payments and Bank never communicated any paper bill. 
Consumer Credit Reporting : Never saw before the business credit accounts on my personal credit reports during the time XXXX for my business accounts. In XX/XX/XXXX only, those business accounts got attached to / popped up on my credit reports as Late Payments and negative accounts. 
Payment : No dues to pay and done till XX/XX/XXXX Correspondence : Disputed with Credit Reporting Agencies (XX/XX/XXXX & XX/XX/XXXXas these are Business Credit Accounts and Business is impacted by COVID PANDEMIC ..Sent mail to JPMCB CARD, Spoken to Card Services Members & Credit Dept XXXX XXXX requesting to consider, remove late payment and from consumer/ my personal credit reports, but unfortunately the associates PAID DEAF EAR, NO HELP, RE-ROUTING CALLS HERE AND THERE, which appeared to me biased, in equal, and simply ignore ... due to my slang (? ) sorry to say but that appears as if! 

PAYMENT history is good for 20+ years ( my personal ) with no late payments/ no bankruptcy / no convictions and good for 12+ years ( my business ) except 2 late payments in XXXX  XXXX ( 60 days XXXX This business accounts attached to my personal credit reporting and chase & credit reporting agencies took me down by 80points from very good status. 
- EVEN CREDIT REPORTING AGENCIES ( XX/XX/XXXX & XX/XX/XXXX ARE RELUCTANT TO CONSIDER / CORRECT AND UPDATE, EVEN SHOWING THE BUSINESS /COMMERICAL ADDRESS AS SINGLE FAMILY RESIDENTIAL TYPE
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is related to my Chase Auto Loan below : Acc Number : XXXX Vehicle : XXXX XXXX XXXX VIN : XXXX XXXX never reported my auto loan & my auto loan never appeared on my XXXX Credit report XXXX 

This auto loan does appear on my XXXX XXXX XXXX report. I would like XXXX to adjust/amend my XXXX report to reflect my Chase auto loan, as it was a loan in good standing for approx. 18 months, never late. 

I have tired working with XXXX directly, and also with Chase, but to this day, Tuesday, XX/XX/XXXX, this issue is not resolved. 

Please help. 

XXXX XXXX XXXX, TX, XXXX XXXX
Product: Mortgage

History : XXXX XXXX XXXX held Several loans, I applied for Home Loan Modification and XXXX they gave me the run around as they ended up having to pay XXXX ( DOJ lawsuit ) as a result. Nonetheless, XXXX sold my loan to Nationstar Mortgage. When this particular loan was moved to Nationstar they told me that I had a Home Loan Modification @ 2 % FIXED for 40 years. I told them okay. ( See attachment with screenshot of 2 % FIXED 40 years ) Well recently, late XXXX/XXXX they increased my mortgage payment and denied I ever had the Home Loan Modification and is now telling my I have an APR??? What? I 'm so frustrated because they CONTINUE to get away with these type of things. Naturally, I paid the increased mortgage payment ( Because my credit has been RUINED not making payments. I did n't want to stop because it would not help while I 'm trying to rebuild. I decided to write instead. I want my 2 % FIXED 40 Year Mortgage re-instated. I 've requested from Nationstar..instead they are moving again to different Company name " XXXX XXXX '' because they are trying to hide from the same illegal practices XXXX was sued for.
Product: Credit reporting or other personal consumer reports

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 an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

In XX/XX/XXXX I applied to and was approved for the SAVE IDR repayment schedule directly through the federal website portal. MOHELLA notified me that my student loans had been placed on XXXX as of XXXX XXXX XXXX. On XXXX XXXX XXXX, MOHELLA sent me a notice that they arbitrarily REMOVED me from my IDR plan - no explanation given. Since then they have been billing me the full balace and interest every month. No savings plans. No income sensitivity. Nothing. I am completely unprotected from MOHELLA 's predatory actions. I am permanently XXXX and well below the poverty line, and my sole income is SSDI and has been since the early XXXX 's. This is purely predatory action or incompetence by MOHELLA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX from XXXX to XXXX and was swindled like many of the victims of XXXX  for-profit schools that stole millions from students. There are STILL ongoing lawsuits around this issue and settlements have already been made as reported by many mainstream sources such as here : XXXX  : XXXX the 3 credit bureaus CONSISTENTLY ignore letters around removing these student loans off my credit report on the basis of 1 ) ongoing litigation, 2 ) fraud and 3 ) deferment due to litigation. 

Navient is a culprit in this issue as well, as they consistently ignore letters and simply BUMP the loans every single year ( literally every 365 days ) into deferment due to numerous reasons, the latest reason being COVID. 

PLEASE GET THESE FRAUDULENT LOANS OFF MY CREDIT. As the secured party of the debtor of these loans, we will hold all appropriate companies responsible.