23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Debt and Failure to Provide Requested Documentation Dear LVNV Funding LLC, I am writing to formally dispute the alleged debt reported by your agency, as I have not received the necessary documentation to verify the validity of this debt. I have previously requested the following information from you, which you have failed to provide : 1. The Purchase Agreement : A copy of the agreement outlining the terms under which the debt was purchased by LVNV Funding, including the assignment of any rights related to the debt.

2. Insurance Claim Information : Any evidence or documentation showing that an insurance claim was filed in relation to this debt and how it was handled. 
3. Chain of Custody ( CMI ) : A complete Chain of Custody showing the transfer of the debt from the original creditor to your agency, including all intermediary parties.

4. Statute of Limitations : Documentation outlining the statute of limitations on the debt, including when the debt became legally enforceable.

5. Last Payment Date : Information confirming the last payment date or missed payment on this debt, which is necessary to determine whether this debt is time-barred under the applicable statute of limitations. 

As of this date, you have failed to provide any of the requested documentation, which is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). In addition, your failure to verify the debt properly or provide the requested information has led me to take the next step in resolving this matter.

Intention to Begin Arbitration Process : Due to your failure to respond and provide the requested documentation, I am notifying you that I will now begin the arbitration process as outlined in the original credit agreement ( if applicable ) or other terms governing your collection practices. The arbitration process will allow for a neutral third party to review this matter, and I intend to pursue this option until the issue is resolved. 

Request for Immediate Action : I request that you immediately provide the following : 1. Copies of the requested documents, including the purchase agreement, insurance claim, chain of custody, statute of limitations details, and payment history. 
XXXX. Confirmation in writing that you have complied with my request or intend to comply in a reasonable time frame. 

If you fail to provide this documentation or resolve the matter through arbitration, I will be forced to pursue further legal remedies, including reporting this issue to regulatory authorities and seeking damages for your failure to comply with legal requirements. 

I expect a prompt response to this letter within 15 days from the receipt of this notice. If you do not provide the requested documentation or a satisfactory resolution within that time, I will proceed with the arbitration process. 

Thank you for your attention to this matter. I look forward to receiving the necessary documentation to resolve this issue. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Veterans United home loans states to the property of XXXX and XXXX XXXX that we are missing a payment, first they say we were missing XXXX payment now theyre saying were missing XXXX payment Info from my banking transactions how I pay my bills is still banking online one XXXX XXXX we have shown all the monies coming out the check it was sent when the check was cashed and I have sent them all the information and Ill they keep saying is we dont have enoughXXXX XXXX we received a mortgage and Home exemptions which is still not been applied to our account we have talked to several people at least every three weeks since XX/XX/2021 and Im still getting the same runaround where theyre not writing anything down and I have to keep going through the same process in the meantime it has destroyed my credit XXXX now my credit score is XXXX.
Product: Student loan

I applied to the Navient School Misconduct Discharge application. On XX/XX/year> my application was denied. I was provided a denial letter with a general response of why it was denied, no details of the denial were provided or a chance to resubmit more documentation. 

On XX/XX/year> I emailed XXXX XXXX XXXX requesting details on why my apposition was denied. I once again did not receive a satisfactory response to my inquiry it was a cookie cutter response. ( See attached ). 

In my case the school I attended has closed down and they were found guilty of misconduct. I sent A copy of a Department of Education public announcement of school misconduct related group discharge for students that attended certain for-profit schools. Which includes the XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LATE PAYMENTS ARE REPORTED ON STUDENT LOANS WHICH WERE IN DEFERMENT AND THEN LATER CONSOLIDATED. LATE PAYMENTS NEVER REMOVED AND IT IS NEGATIVELY AFFECTING MY CREDIT SCORE. DEFERRED LOANS CAN NOT BE LATE, WHEN NO PAYMENTS ARE DUE. 

XXXX XXXX OVER 20 ACCOUNTS SHOW LATE PAYMENTS.
Product: Debt collection

My name is XXXX XXXX In XXXX of XXXX  I was looking for an off campus apartment  at of XXXX XXXX. I applied and was told I dont qualify for an apartment but could with a co-signer and can move in after getting one. I asked my father to co-sign but unfortunately he was unable to be a co-signer because he had filed a XXXX XXXX bankruptcy that had not yet matured to the 7 years and I informed them that I will be unable to get a good co-signer. They harassed me that I would have to move in or else find someone to move in my place. I told them thats not possible since I dont have a guarantor who would be approved and went on to look at another complex that approved me called XXXX XXXX. I signed my lease and stayed with campus housing for 2 years and renewed lease. Im around XXXX I received a letter and notification that I owe XXXX XXXX XXXX dollars, a full years lease for living there. I disputed it to the credit called XXXX XXXX and was told they are under new management and dont have any documentation of me ever Livng there to call the credit company saying I owe and asked. I called XXXX  XXXX  in XXXX and they said they cant give me information beside the amount I owe and to who to set up a payment plan and if I need further information to call XXXX XXXX. I called XXXX XXXX  and same with you around, no evidence of me Livng there call them again. I consulted a lawyer and they said filing a complaint is the best I can do.
Product: Mortgage

I 've wrote the CFPB about four months ago about Ocwen Servicing and how they stall in working out a re-modification. Once you contacted them, we got an immediate call from them. I am in a chapter XXXX and have been working thru the courts and have been makingpayments as agreed. Now they are offering us a new payment, but they are adding a $ 50thousand dollar payment at the end of the loan. The trustee said that was not acceptable and did not approve re-mod. My lawyer said that balloon payment should not be allowedin government programs as the Hamp or Harp. Are these companies allowed to do this? 
We have been working on this re-mod since XX/XX/2014. we have made all trial payments and more and still no help. We know that Ocwen was cited foe misleading and not helping homeowners in distress. I am being force to pay for a home that is worth lessthan the loan amount. All the payments do not show where the monies go and have ideawhere the money goes and they keep adding fees.
Product: Debt collection

On XX/XX/2022, IQ DATA INTERNATIONAL added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA IQ DATA INTERNATIONAL has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending a certified letter with other documentation showing the errors ( Bankrupcy ) on my credit file, not getting a response in 30 days, having to contact the CFPB to hold them accountable, Equifax sent me a letter and a new credit report stating the info was verified through XXXX. XXXX sent me a letter stating that there is no bankrupcy showing in my personal file. I call Equifax and stated that they lied about the bankruptcys being verified through XXXX and the info needs to be deleted immediately. They refused to delete the information stating I needed to send them a document from the court stating I did not file for bankrupcy. I told them that I am not obligated to do so. I told them they have false and damaging information on my credit file and it needs to be deleted immediately, I also stated I need a new credit report showing the deletions. At this point the fact that they lied about the verification and refuse to remove the information, it is a violation of the Fair Credit Act and I am going too sue due to the amount of denile of credit I have been experiencing in the past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite four written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Equifax stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Equifax did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Equifax also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified. yet they have not.
Product: Credit card

In response to Bank of America N.A. Regarding Small business credit application : XXXX Notice of Dispute : Adverse Action I demand your company reconsiders this matter which complies with Federal Law, please open the account which I have extended credit and correct any adverse action taken upon my credit report, l take my consumer reporting matters seriously and would appreciate this matter being resolved promptly. Failure to address this dispute improperly may lead to further legal action Thank you for the immediate access to this matter, I expect a timely response and resolution. 

Respectfully, XXXX XXXX of the XXXX XXXX XXXX All rights reserved
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.

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

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4700.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$20000.00}, XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$960.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$890.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00}. Please delete
Product: Checking or savings account

On XX/XX/year> at XXXXXXXX XXXX I deposited {$540.00} cash into a M & T ATM. I then received a error receipt stating there was a technical error and my funds deposited could not be completed. The ATM took the {$540.00} from me and then on the screen of the ATM stated the ATM was now out of order and started flashing red. My funds were never deposited back into my account and there is no transaction history at all of any deposit even being made at that time or date even though i have the receipts as proof. I called M & T bank and they issued a investigation and credited the funds temporarily. On XX/XX/XXXX my checking account was charged the {$540.00} and stated that the ATM was not over on money and that this deposit was never made. I have spoke with several different people including a manager and have asked to reopen this claim and I have sent over copies of my receipts and information to the managers email address that was provided to me and I have not heard anything back. This issue is completely unprofessional and very frustrating and stressful and is causing a serious impact on my finances and mental health and is extremely unacceptable and needs to be further investigated.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX  Balance : {$710.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get my credit report to reflect the correct information. I have found a few errors and thing that are not accurate. First my name is XXXX XXXX XXXX. My I am XXXX XXXX  XXXX ( XXXX ) please delete any other employment information they are not accurate. My only phone number is XXXX please remove any other phone numbers. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please delete/remove any other address they are not mines possibly belong to another XXXX XXXX. I have attached my Drivers License and a utility bill for proof of my address. 
XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit card

I sent JP Morgan Chase absolute proof that I was in a different location the exact minute when my credit card was fraudulently charged for {$130.00} by an individual who obtained a " merchant '' account. Details below. I believe that Chase 's refusal to reverse the charges is evidence that the company ( and XXXX XXXX in particular ) is supporting criminals who steal money from American citizens. 

The individual with a " merchant '' account is a known criminal who steals credit card information. You can see an example online at ( XXXX XXXX XXXXXXXX ). I filed a police report and it is currently being investigated. I sent Chase a copy of the confirmation that it is being investigated by police. 

More importantly, I gave Chase a copy of a receipt showing that I was traveling in a different location at the exact minute that this criminal charged my credit card. The credit card was fraudulently charged on XX/XX/year> at XXXX Eastern Time ( XXXX XXXX, XXXX XXXX XXXX and my receipt from traveling with a different vendor was on XX/XX/year> at XXXX Eastern Time ( XXXX XXXX, XXXX XXXX XXXX. 

The Chase fraud department admits that they have no evidence that the criminal provided my any services. In fact, they didn't even contact the vendor to request evidence! They admit that they have a receipt that shows that I was in a different location. But they still support the criminal and refuse to reverse the charges. 

Given the proof of fraud, I can only assume that either the Chase fraud department is receiving kickbacks from criminals stealing money or that XXXX XXXX has told his employees to ignore fraud claims and support criminals who steal money from American citizens. 

I will be sharing information on my web page as well as every other place of the Internet about my experience with JP Morgan Chase ( XXXX XXXX ) facilitating theft. It is important to warn others about criminals and those who actively support criminals ( i.e., XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Could not contact lenders and no collective bargaining or agreement was ever made with who the current lender is and how to contact
Product: Credit card

I was having XXXX credit score and decided to open XXXX credit cards from XXXX XXXXso I applied and got it approved by Bank, got both cards delivered to my home, was using it for more than a month.. suddenly all my ACH transactions got declined and was charged fees from merchants for declined transactions and when I enquired bank, they said both of my credit card accounts are restricted to use further.XXXX then they asked me to sign XXXX IRS document, I signed and shared back to them.XXXX after few days bank closed XXXX of my accounts.. by saying records provided not match with IRS filled.XXXX dont know what the expectation was.. how come Wells Fargo closed one account and kept another account active.. if my information is wrong the you can ask me to share the right information but you didnt.. you simply closed XXXX of my accounts and very poor customer service.. never faced this kind of frustration with any other bank..
Product: Debt collection

Starting a couple of years ago, I was getting collection calls for someone name XXXX XXXX ( I don't know the spelling but it sounds like that ). I have had my phone # since XXXX. I tracked down the original caller who said it was debt from a hospital. I called the hospital and they couldn't do anything about the calls. I continued to get calls, no matter how many times I told the caller I am not that person, don't know that person and that person gave them a wrong number, they persist. I received yet another call XX/XX/XXXX at XXXX from Radius Global Solutions. I took the name down told them they had the wrong number. I was put through to the  supervisor and told him also they had the wrong number. 

I have tried over and over again to get them to stop. It is not my debt and I don't know who the person is.
Product: Debt collection

My brother was in a XXXX and they keep calling me to collect his debt it is not my debt to pay back
Product: Debt collection

I submitted a previous complaint to XXXX about this issue, however the complaint was ignored as their response appeared to be in response to a separate complaint. Therefore I am resubmitting the complaint with TWO SPECIFIC QUESTIONS that I except XXXX to respond to : 1. I was a perfect customer of yours for 3 years of a lease, never missing a payment. When the lease was finalized in XX/XX/XXXX, I turned in the vehicle and bought a different make from the dealership. Then much later, in XX/XX/XXXX, XXXX charged me a fee and said they would have waived it if I had gotten a XXXX. Nine months earlier, nobody mentioned this fee or offered to waive it if I got another XXXX. Also, ignoring the fact that I have a receipt showing I pre-paid the turn-in fee, my question is this : why does XXXX think its appropriate to take 9 months to invoice a customer, then while that customer attempts to call-in and confirm the accuracy of the charge, XXXX instantly begins reporting late payments to the credit agencies? Why can XXXX take an unreasonable amount of time to submit an invoice, and not afford the customer a single day to understand where this charge is coming from ( especially when XXXX was unresponsive during the pandemic and it was difficult to receive responses )? 2. The process to have XXXX honor the terms of the agreement was extremely unpleasant. After months of attempting to get through to XXXX, I realized it was not worth my time and effort, so I decided to simply pay the invoice ( for the second time ). I spoke to a representative who confirmed any negative remarks would be removed from my credit report if the fee was paid. Therefore, I paid the fee and provided proof of payment to XXXX. Unfortunately they continue to ignore this payment. So the question is : why do you ignore this payment and refuse to update the remarks to the credit reporting agencies? While it was unethical to immediately report late payments to your seriously delinquent issuance of the fee, it is absolutely immoral and illegal to lie about not receiving payment. Since the actual complaint questions have been ignored in the past, I just want to reiterate so there's no confusion about what questions XXXX should be responding to : 1. Why can you take 9 months and issue a delinquent invoice, but the customer has no time to confirm the accuracy? 2. Why are you refusing to acknowledge that payment was made, even though I have submitted proof of payment made on XX/XX/XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX, XXXX XXXX submitted the attached dispute to Experian on XXXX XX/XX/2022. 

Upon review of my rights and reports I submitted a dispute to the credit bureaus requesting that the listed accounts in the attachment on my consumer report be removed in accordance with 15 USC 1681a ( 2 ) ( a ) ( i ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report. 

In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided. 

Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Upon reviewing all of my documents for each of these creditors, I WAS NOT provided with clear instruction to utilize my ability to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out of having my information shared.