23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Formal Complaint Regarding Unprofessional Debt Collection Practices I am writing to formally report a distressing incident involving an individual claiming to represent LVNV Funding LLC, which occurred on [ date ] at [ location ]. This encounter has left me deeply troubled and has adversely impacted my mental health. 

On the evening in question, as I was with my small children, a male individual approached us. He identified himself as being affiliated with the XXXX XXXX XXXX, a claim that was quite intimidating given the context and his approach. The manner in which he communicated with meespecially his aggressive demeanor when I attempted to remove myself and my children from the uncomfortable situationwas both inappropriate and frightening. 

As I tried to get back into my car, the individual raised his voice, used derogatory language including calling me XXXX, and subsequently called the police on me. This confrontation occurred in front of my children and has since caused me considerable XXXX and distress.

I am deeply concerned about the tactics used in this attempt to collect a debt, which I believe to be both unethical and unprofessional. Approaching someone under the guise of court authority, especially at night, and using such aggressive tactics is unacceptable and has contributed to my current state of XXXX and XXXX. 

I kindly request that this matter be investigated promptly. I believe it is crucial for LVNV Funding LLC to address this issue to prevent such incidents from recurring and to ensure that debt collection practices are conducted in a lawful and respectful manner. 

Please let me know how this situation will be addressed. I am eager to see this matter resolved constructively and am willing to provide further details as needed. ( i have a XXXX door bell camera video of the cops at my door! ) Thank you for your attention to this serious matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING FRAUDULENT ACCOUNTS WERE OPENED IN MY NAME : BANK OF AMERICA # XXXX OPENED : XX/XX/XXXX XXXX. XXXX BANK OF AMERICA # XXXX OPENED : XX/XX/XXXX XXXX. XXXX
Product: Debt collection

They are knownly taking repeated debit transactions more than the amount agreed upon. Stealing money out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with SPECIALIZED LOAN SERVICE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I tried contacting the Experian and XXXX Credit Bureau and the XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Investigate properly and please update for 100 % accuracy. 
XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00},
Product: Checking or savings account

On XX/XX/XXXX I went to my Wells Fargo branch to talk to a banker and share information about an identity theft issue that occurred on XX/XX/XXXX. 
On XX/XX/XXXX when the theft transactions happened I spoke with a fraud investigator on the phone and filed my claims. The checking account was closed immediately and a new account was opened. The investigator also ordered me a new debit card. Also ALL online services were immediately stopped. 
As of today when I checked my account I found that those fraudulent items were processed anyway! And now my new account is in a deficit. 
Why were those items processed when WF bankers and fraud Dept. knew it was a theft!!
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against TransUnion for Failure to Correct Inaccurate Late Payment Reporting.

To Whom It May Concern : I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> ), my requests have been ignored. This lack of response constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account is a breach of this legal obligation. Furthermore, according to 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The persistent misreporting of late payments on my account has caused undue harm to my creditworthiness, a direct consequence of TILA 's protective intention.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act highlights the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. The inaccurate late payment reporting on this account violates this consumer protection
, impacting my financial standing unjustly.

Payment History and Errors TransUnion inaccurately continues to list a 30-day late payment in XXXX, even though previous disputes have not led to correction. 
Lack of Resolution Since Previous Dispute I have submitted multiple disputes regarding these inaccuracies, yet there has been no corrective action taken by TransUnion. This persistent inaction has continued to harm my credit standing and is a violation of both my consumer rights and the relevant federal statutes.

Desired Resolution Immediate Removal : I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report.

Written Confirmation : Please provide written confirmation of this correction. 
If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate regulatory agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

delete & remove all items listed incorrectly on my credit report asap. this has been reported as identity theft and does not follow the consumer law. delete all items listed asap.
Product: Mortgage

At the end of 2018 I applied to have my PMI dropped. I was told I needed to have an appraisal. I received my appraisal, which demonstrated I was below the 80 % loan to value required and asked them to drop my PMI again. I was told that they needed to have 65 % loan to value, because it was an investment property. I told them it was not an investment property, that it was a second home that my XXXX year old son ( with a XXXX XXXX XXXX and his caregiver ) lives in. It is not a rental property. And again I petitioned to drop the PMI. They refused.

I should not need to be paying mortgage insurance I've never missed a payment, I've never defaulted on a loan and I have two mortgages that are current and have always been current.
Product: Credit card or prepaid card

I have been in the middle of a refinance for about 6 months. So I would not have opened any new credit. I received an email stating that there is a late payment on my credit for a PPC account. I never opened up this account and now there is no one to speak to at paypal regarding this!!! Again, I am in the middle of a refinance on my house and my credit score just dropped only who knows how much because of a missed payment on an account that I didn't open up and there is not one single person to speak with about it. Oh goodness I am over the moon with frustration right now. The reporting agency can report a derogatory status on my account but not answer phone calls! Is that even legal? Shame on you Paypal! I sincerely hope there is something you will do to fix this. I have not been late on a payment in years ... ugh It is item number 17 on my credit report at the top of page 10/33.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block the items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$860.00}, XXXXXXXX XXXX
Product: Debt collection

Received a phone call from XXXX XXXX XXXX stating they represented mutual recovery mediation to attempt to settle a debt from allied cash advance and would be filling charges against me in court if I did not pay. They threatened criminal charges. They refused to provide any documentation in writing. I have the phone call recorded. They would not provide me any information or location of this business. They refused to tell me who their client was. They hung up on me after I asked if they have anything in writing showing I ever consented to automated calls. The representative advised me they work closely with the judge in XXXX County Florida and told me if I don't settle they would file this in XXXX County FL and my current county of XXXX XX/XX/XXXX. They claim this was from a payday loan taken out in XXXX XX/XX/XXXX in 2011.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

I've had problems with this company since the very beginning. I'm not sure y'all can help me, but let me start from the beginning first they originally did a loan modification at a lower rate XXXX they supposedly sent paperwork to my house which I never received and they had to redo my no modification and give me a rate of XXXX. That was my first issue with them. Next is my current issue. I've been asking them to remove my PMI off my account and they keep giving me the whole runaround on getting it taken off. I just got off the phone with them and they're telling me I have to wait 10 to 15 business days for them to take a look at my record And all they have to do is just look at the paperwork that appraiser came to do my house but I feel like they're just doing this to keep trying to be more more more money on my mortgage payment They want to continue charging me PMI as long as they can Every time
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that my social security number had be compromised. I checked my credit report and I have not applied or tried to acquire accounts from any of the companies listed. There are current inquiries on my credit report I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$390.00} XXXX XXXXXXXX XXXX Balance : {$900.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX XXXXXXXX XXXX Balance : {$580.00} XXXX XXXXXXXX XXXX Balance : {$83.00} XXXX XXXXXXXX XXXX XXXX : {$110.00} XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXXXXXX XXXX XXXX : {$210.00} XXXX XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX : {$130.00} XXXX XXXX XXXX**** Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXXXXXX XXXX XXXX : {$1400.00} XXXX XXXX XXXX* Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$270.00} XXXX XXXX XXXXXXXX XXXX : {$200.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The following company did not had permission or authorization to request a copy of my credit report. XXXX XXXXXXXX XXXX - XX/XX/year>. I demand the deletion of this inquiry from my report, it is unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletion. Thank you for your time and attention to this matter.
Product: Credit reporting

The credit bureau is not blocking the information within four days per FCRA 605B ( 15 U.S.C. 1681c-2 )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : [ XX/XX/XXXX ] TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Accounts per UCC Article 9 and FTC Identity Theft Report Dear TransUnion, I am writing to formally dispute the following accounts on my credit report, which I believe to be fraudulent and not authorized by me. In accordance with the Uniform Commercial Code ( UCC ) Article 9, I am invoking my right to dispute these inaccuracies under the Fair Credit Reporting Act ( FCRA ) and further supporting this claim with my FTC Identity Theft Report, which I have enclosed. 

The accounts in question are : XXXX. XXXX XXXX XXXX XXXX Account # ending in XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # ending in XXXX Balance : {$1700.00} Date Opened : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX  Account # ending in XXXX XXXX : {$520.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Account # ending in XXXX XXXX : {$1000.00} Date Opened : XX/XX/XXXX XXXX. XXXX Start Account # ending in XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Per UCC Article 9, section 9-625, a secured party must correct erroneous information on a debtors record. I demand immediate removal of these fraudulent accounts from my credit report as they violate my rights under UCC 9-625 and FCRA section 609. 

I have already filed a report with the FTC ( Report ID : [ XXXX ) and local law enforcement regarding the identity theft associated with these accounts. Please note that the presence of these fraudulent accounts is severely impacting my credit score and financial standing. I request these be investigated promptly and the results sent to me within the required 4 business days window. 

Please update my credit report to reflect the correct information and confirm the removal of these fraudulent accounts in writing. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX
Product: Student loan

My son took out a private student loan, from Wells Fargo, in XX/XX/XXXX to pay for a summer schooling program at XXXX XXXX XXXX XXXX in XXXX. This summer program would not accept federal student loans. My son 's grandfather co-signed the loan. 

After attending that summer program, my son continued his education at another university, graduating in XX/XX/XXXX. At this school, he used scholarship, grants and federal student loans. 

After graduation, we - his parents, began assisting our son with repayment and we noticed that the loan interest on the Wells Fargo loan had not deferred, while he was in school, but had continued to accrue interest. Although unhappy with the large amount of interest that had accrued, we began paying on this bill. We were not aware that so much interest was accruing, and I'm not aware that we received statements about this. Online, I can only see quarterly statements posted. 

Recently, I became aware that the interest is NOT DOCUMENTED on any of the statements we received. The interest is shown in retrospect - for the year. 

Secondly, after researching what that interest may be for a month, I realized that the set monthly loan payments ARE LOWER THAN WHAT IS NEEDED TO COVER THE INTEREST ALONE. Therefore, the bank has set up a system whereby it is impossible for my son to reduce his indebtedness and they did it in such a way as his debt will grow. 

This is a big problem for consumers everywhere. I would describe this as predatory lending - inadequate disclosure, failing to fully disclose or explain the true cost of the loan. By not listing on the statement the amount of interest that is accumulating each month, and by concealing this information, I feel that they are intentional in trying to set up a risky loan structure to make it more difficult and impossible for borrowers to reduce indebtedness. 

Especially vulnerable are young adults who have recently graduated college and might be placing their trust in a well known, national banking institution. With no interest indicated on the statement, where is there a flag for them to drill down to see if they are making progress on the loan? Like us, it may take months or years to question why they do not see a dent in their overall debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS USED FRAUDULENTLY TO OPEN THESE ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE AND BLOCK THESE ACCOUNTS FROM MY CREDIT REPORT. I HAVE REQUESTING IN WRITING MULTIPLE TIMES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX  on XX/XX/2020 ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft )