23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sued in XXXX from LVNV Funding regarding an account from XXXX XXXX. My wages were garnished on 3 separate paychecks on the following dates : XXXX for {$450.00} ; XXXX for {$630.00} ; XXXX for {$3.00}. My company sent the money to the XXXX XXXX Clerk of Courts. I spoke with a lady at the clerk of courts office this past week and she informed me that she reached out to the law office of XXXXXXXX XXXX XXXXXXXX on 3 separate occasions, those dates being XXXX, XXXX, and XXXX, to request that their office send her an order for funds so that she could send the funds to them. However, their office never returned her phone calls and did not send her the order she requested. She then sent the funds to the unclaimed funds division of the state of Ohio. I disputed the account on my credit report some years ago and requested it be updated to show it was now paid since they garnished my wages. They are saying I still owe them the money and refuse to correct their own mistake. I reached out again to them this XX/XX/XXXX to request again that it be updated because my wages had already been garnished and my debt was paid. I received a letter from them today XXXX stating that according to there investigation they have not received the money and therefore I still owe them the debt and it continues to collect interest, so every single month they are submitting to the credit bureaus that the amount is increasing and hurting my credit and this may very well jeopardize the current purchase of a home I am trying to make. I should not be punished for their lack of follow through on a judgment that was paid. There should be some form of restitution for continuing to ruin someone credit for a debt that was paid over 3 years ago.
Product: Debt collection

I request debt validation fro m ARS   whe n I noticed it appeared on my credit reports. I never received any notification from this company, and it was showing up as a medical debt which should never be the case, because I have health insurance. I sent my initial request on   XXXX   XXXX   XXXX   They responded without providing debt validation. They provided not documentation with my signature or any paperwork showing that I agreed to this debt. I sent a follow-up notice on   XXXX   XXXX   XXXX     stating that this debt had not been properly validated and that I wanted it removed from all of my credit reports. They have not responded, nor has the collection been removed from my credit reports.
Product: Mortgage

For more than 18 years, the mortgage payment was done directly from my bank for the amount of $ XXXX. It looks PHH took out {$1000.00} from one of the auto payment and applied it to buy insurance, when I investigated why there was a need to buy insurance because I do have insurance from XXXX? and no one was able to answer, I called XXXX and I got a confirmation that for all insurances ( Car, mortgage, property ) are paid on time. 
PHH did not use the best accounting practice, the payment must be applied to the monthly mortgage as it was sent from my bank, but by taking out {$1000.00} from the monthly payment, it made {$3000.00} sitting in suspended state and made the reminder amount {$3000.00} insufficient to be applied to monthly payment thus making the account late pulse incurring penalty.
Product: Checking or savings account

In XX/XX/2020, a group referring to themselves as " XXXX '' ordered a death hunt on me. I got hacked out of my Chase account. 

My account carries a considerable amount of money, the account is open, and every real banker can see it. The Bank for XXXX XXXX has revoked the banking license of Chase bank. Also, something every real banker can verify easily. 

Ever since, my calls were redirected. I tried to file complaints with the police several times, but I now learned they didn't land there. It's a nerd mass murder group, who operates via hacks of internet and phone connections. 

There are over XXXX XXXX XXXX on my account, but the latest XXXX  attempt ( see XXXX complaint ) forced me into a XXXX XXXX 

I also received XXXX XXXX from four Chase staff. 

The XXXX informed me that Chase changed the last digit of my XXXX, but the other data is correct. 

Evidence of 90 % of what I'm saying is here : XXXX The Chase " staff '' uses technology stolen from the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX I disputed the referenced accounts above XX/XX/2022 and on XX/XX/2022. The credit report of XX/XX/2022 shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Product: Debt collection

Jefferson Capital Systems LLC- {$820.00} I am writing to formally request validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. The account in question appears on my credit report and is being reported as delinquent. However, I do not recall any outstanding balances owed to you and would like verification of its accuracy and legitimacy.

As required by the FDCPA, please provide the following : 1. Documentation verifying that the alleged debt is valid and that I am responsible for it.

2. The original contract or agreement bearing my signature that indicates I agreed to the terms of the debt.

3. A detailed breakdown of the amount claimed, including any fees, interest, or other charges.

4. Proof that your company is authorized to collect this debt on behalf of the original creditor.

5. Documentation showing that the debt complies with state and federal laws, including the statute of limitations. 

Until I receive the requested verification, I respectfully request that no negative information related to this account be reported to the credit bureaus. If this debt has already been reported, please contact the credit reporting agencies to have the account marked as in dispute. 

If you are unable to provide sufficient evidence to validate the alleged debt, I ask that it be removed from my credit report entirely in compliance with the Fair Credit Reporting Act ( FCRA ). 

Please note that this letter serves as my good faith effort to resolve the matter. I am prepared to take further action if my rights under the FDCPA and FCRA are not respected. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within 30 days. Please respond in writing to the address provided above.
Product: Debt collection

Received a copy of my credit report showing a new collection agency. Wakefield and associates is in violation with my hippa rights. It is against hippa to sell my hospital records to a third party, my daughter had state XXXX which prohibits them to bill me for services rendered if they are unable to collect from the insurance company
Product: Vehicle loan or lease

I took my car to the shop and found that there are some maintenance issues that need to be fixed. Due to a financial hardship I requested that BMO Harris Auto defer a payment so that I could pay for my auto repairs and they said they had to look at my credit and qualify me for the program. All I was requesting is a one time payment deferment. They came back many days later telling me I didnt qualify because my credit report was showing a financial hardship. Well of course it is thats why I called for the deferment in the first place. They said qualifying for the program was the same as qualifying for a new loan. Which makes absolutely no sense. Im already extremely underwater on the loan because apparently the loan was approved for well over what the car was worth by whatever deal the car dealership made with BMO Harris for the loan. My car isnt worth half of what is still owed on the loan. I have deferred payment in the past with other companies and never need to qualify for a program. This is unfair. I have never missed a payment or been reported late. Really I would love to trade the car in but I cant because the value depreciated to a point that I will never be able to get out of the loan. If I cant fix my car and I cant trade it in then how am I supposed to proceed? Their practices are unfair.
Product: Prepaid card

Ive asked to send my letter for the claim for the 2020 incident Ive been asking them to resend it since XXXX and they just keep telling me they sent it and it willl take XXXX  days! I wont be able to file the complaint if they keep doing this I believe there is a deadline!
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 on 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 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, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$32000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 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: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX And on XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXX XXXX 
( XXXX ) XXXX I dispute errors on my credit report With Experian. 

I acquire my credit report and ask the credit bureau to check and make sure everything was complete and accurate I waited 30 days and received my investigation and noticed everything was still the same the consumer reporting agency Experian did not modify or remove anything so I asked for the description of the investigation according to 15 USC 1681 I I still did not receive anything. 
I send for the description via certified mail return receipt that they received on XX/XX/XXXX XXXX. 
Tracking XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have sent my mortgage payments to this address since XXXX. They have never mailed out a coupon book or monthly statements to pay this mortgage. I just keep using the first one I received when they took over my loan. I dont even know what date my loan is due. It is like they want me to miss a payment. And they never sent any communication that I had missed a payment, just received a letter that I was in default. 

I received a letter on XX/XX/22 saying I was in default loan and if I didn't pay two monthly payments {$1900.00} and escrow advance balance due {$1700.00} that they would foreclose on my home. I have copies of the checks that were cashed and escrow is included in the monthly payment ( which is for my house insurance ). I have never had any issues with the previous mortgage company. 

Please help me with this company... I don't want to lose my home. 

I wonder how many other individuals have lost their home because of these practices. This Finance company is in the business to taking people 's homes from them not to help them. 

Thank you Attachments
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

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

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Mortgage

It took me a long time to write this complaint, because I am a good and honest person, that got hurt really bad. 
I would like to point out how XXXX XXXX took the joy out of buying my first home. What he promised over the phone, unfortunately never put it in writing, that he will match any lower rate given to me, was a promise not keep and fulfilled. After sending him a proof from another bank, I was told sorry nothing I can do about it and I was asked to take the other offer. However, the other bank has 3 months long process and I had 3 weeks to get out of my apartment with XXXX minor children. What a monthly payment supposed to be {$3200.00} it turned out to be {$3500.00} for the next 30 years of my life. All thanks to XXXX, who decided to get caught up in numbers. Family First Funding puts money and profit first, and not the customers. I am so disappointed with he whole experience, and I feel tricked and used. I believed in his word, and in his promise and that is the biggest mistake I have done. Instead of having {$300.00} a month to put away for the kids, I gave it to XXXX. He also promised we will do refinance free of charge, and guess what? He sold my policy to another bank within the first month. Another broken promise, another used client. He also accused me over the phone that I am trying to corner him into giving me a lower rate, however he was the one that offered me to match any lower rate I get. And I got it from XXXX XXXX, he just didn't wanted to hear it - hear out the customer. Be aware of Family First Funding, apparently a family owned business, which cares about their family only. The person who works for him was very compassionate about the whole situation, because she realized what just happened. 
Purchased a house XX/XX/2022, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Somebody took money from my account on XX/XX/XXXX XXXX XXXX XXXX XX/XX/1925 XXXX XXXX  XX/XX/1925 XXXX
Product: Debt collection

I, my employer, and a family member has been contacted by who Ive now identified to be Platinum Holdings, LLC multiple times over this past week. They called my place of employment ( even going as far as to ask front desk personnel what time I finished with my last client ) and my personal cell phone at least three times on XX/XX/2020. One of these phone calls were from an unknown number and requested me to call them back at XXXX, other calls originated from phone number XXXX I also received a call on XX/XX/XXXX. Platinum Holdings does not verbalize their true identity, but instead falsely misrepresents themselves as XXXX and XXXX. I dont even know what debt that may be collecting. Even their voicemail does not identify a company name. They have released to people other than myself the following : my date of birth, the last 4 of my social, and my address. In each call, Im threatened with papers being served at my employer. I have never received anything from Platinum Holdings LLC referring to a debt or validation there of. And they have never received permission from myself to contact family members or my employer, which they have repeatedly called. This company misrepresents who they are. Their behavior is extremely harassing in nature, and they are releasing my private information illegally.
Product: Mortgage

I was notified on XX/XX/2024 ( via email ) by XXXX that my loan has been sold to a new Servicer- Valon Mortgage . On XX/XX/2024- I attempted to log into my account at Valon Mortgage and did not see my loan information. I contacted Valon and was told that the transfer of my loan data has not yet occurred but I will be notified once the transfer has been completed. On XXXX the XXXX XXXX I received an email from Valon Mortgage stating that my loan will be transferred from XXXX to Valon on XX/XX/2024 and there is nothing for me to do. On XX/XX/2024- I made my mortgage payment ( {$2000.00} ) to my XXXX account as usual.. On XX/XX/2024 I received an email from Valon stating that my loan has been officially transferred from XXXX and I must now Register Online. I proceeded to register online and did see all my l loan details- however the payment I made to my XXXX account on XX/XX/2024 was not reflected it showed me owing the XX/XX/2024 payment. I immediately contacted Valon and inquired as to how they will ensure that the payment made to XXXX will be transferred to my account at Valon in order to avoid a late payment or credit impact. I was told by a very " rude '' customer service representative " XXXX '' - that they will not be assessing any late fees until after XX/XX/2024.. HOWEVER.. as far as making sure the payment gets to Valon is my responsibility. I attempted to ask more questions but was told by the CS Rep that I needed to wait for her to finish telling me what she was trying to say.

As a consumer- the transfer of my loan to a new servicer was not in my control and both ( XXXX & Valon ) organization has the responsibility to ensure all customer loan information has been transferred accurately. I have signed into my XXXX account- which now shows a loan balance of {$0.00} - and the fact that my payment was last payment was applied on XX/XX/2024.
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 16 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Transunion to remove a double inquiry that was made in two consecutive days. They informed me they would not file a dispute on this and to contact creditor who made inquiry. I informed them that I have done that and they still told me to contact the inquirer. Transunion did not allow me to file a dispute on my credit report.
Product: Debt collection

I received an alert on my experian account that a collection was added to my credit report by CBE Group XXXX XXXX XXXX XXXX XXXX, IA XXXX. There was a payment on my XXXX XXXX account for {$70.00} on XX/XX/2022 confirmation # XXXX. There was also another payment made on my account for {$91.00} on XX/XX/2022 confirmation # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXX account XXXX XXXX has violated my rights reporting inaccurate information on my credit report. 

According to 15 USC 1681 section 602, which not only states I have the right to privacy, but also I have the right to accuracy and fairness of credit reporting.

According to 15 USC 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 16666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.