23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XXXX report # XXXX was creating having them remove this false credit reporting from my credit on XXXX. 

This company Barclays continues to constantly reporting this fraudulent account to my XXXX and XXXX reports. I have previously submitted police reports, and all documentation that proved previously that this account is not mine and they have had to remove this on the past. 

on XXXX they again reported this account to my reports after 5 years and previous resolutions that had proved that this account is not mines and that it is a result of identity theft. 

I have also tried to contact them requesting information and evidence without any luck at this point they are not even able to locate me in their system.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXXXXXX XXXX  XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> These Companies put inquiries on my credit report without my permission I didn't Authorize nor I consent for this companies to pull are view my credit report this is a violation of the Fair credit reporting Act Section 1681b ( c ) and a serious breach of my privacy rights
Product: Credit reporting or other personal consumer reports

I would like to get a full validation of this account the Home Depot/cityBank including a the original signed contract with my signature if they can not verify this account according to the FCRA laws I would like this account to be remove immediately Acc # XXXX
Product: Credit reporting or other personal consumer reports

I checked my consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I contacted COMINITY CAPITAL BANK in XX/XX/2022 requiring debt validation on an alleged debt & also a cease and desist. COMINTY CAPITAL BANK responded stating the alleged debt was valid and provided no proof. I again requested that COMENITY CAPITAL BANK provide proof of debt validation for the alleged debt to which they refused. COMINITY CAPITAL BANK has continued to send monthly bills requesting payment for the alleged debt in violation of the cease and desist they have on file therefore causing extreme stress in my life because im trying to pay a debt that i do not owe. this stress is trickling down to every part of my life and causing strain on my marriage. COMENITY CAPITAL BANK has been the cause for so much stress in my life and to make matters worse they illegally reported a late payment to the credit reporting agencies & refused to remove it unless i made the minimum payment on this debt that theyve failed to prove to be mine
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  acted in violation of SEC. 1464 of the The Dodd Frank Wall Street Reform and Consumer Protection ACT by failing to promptly report the home loan payment I made via their online portal on Saturday XX/XX/XXXX, instead they reported a payment date of XX/XX/XXXX which resulted in their reporting of my account as delinquent to the credit reporting agencies for XX/XX/XXXX. It is a verifiable fact that my home loan payment was initiated on the afternoon of Saturday XX/XX/XXXX. 

I have reached out directly to XXXX XXXX XXXX twice to resolve this issue, first via e-mail to XXXX XXXX and XXXX XXXX on XX/XX/XXXX and later via e-mail to XXXX XXXX on XX/XX/XXXX. Both times, I subsequently received letters dated XX/XX/XXXX and XX/XX/XXXX signed by XXXX XXXX, Office of the President, outlining their refusal to correct the payment date- The stated reason in the former letter being that the Bank 's Account Rules and Regulations explains that they have cut-off times for processing payment orders and in the latter that the calendar on XXXX prefills with the earliest payment date possible ( in this case Tuesday, XX/XX/XXXX ). 

I assert the following : *The only specific cutoff time listed on XXXX is XXXX XXXX ET for mobile deposits. If XXXX XXXX XXXX designates home loan payments as deposits, my aforementioned payment on XXXX was made well in advance of the XXXXXXXX XXXX  ET cutoff time on XX/XX/XXXX * XXXX XXXXXXXX XXXX XXXX Deposit Account Rules and Regulations specify neither days ( e.g. Saturdays ) nor holidays when payments orders are not accepted, nor do they specify cut-off times * XXXX states on the following on their website " ... our online digital banking is always here for you anytime when you login at XXXX. Plus, 24/7 message support is available in our mobile app and online '' - One should reasonably assume truth in advertising, to wit-that one would not expect it take 72 hours for a payment made to XXXX XXXX XXXX  via XXXX to post to one 's home loan account- prefilled calendar dates notwithstanding. If the Bank promotes their digital banking as available anytime, it isn't ethical or legal for XXXX XXXXXXXX XXXX to penalize consumers for accepting that assertion at face value.
Product: Debt collection

Subject : Formal Complaint Against LVNV Funding LLC for Violations of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against LVNV Funding LLC for multiple violations of my consumer rights under federal law. Below are the specific issues and corresponding legal references regarding LVNV Funding LLC 's unlawful actions : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) : LVNV Funding LLC has placed a collection account on my consumer report without providing the necessary validation information as required by law. This failure to provide validation information impedes my ability to verify the legitimacy of the debt and constitutes a clear violation of my consumer rights. 



2. Denial of Dispute Rights ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of opportunity to dispute the account violates my right to challenge and verify any alleged debt. 



False, Misleading, and Deceptive Practices : LVNV Funding LLC has employed false, misleading, and deceptive means in their collection practices. They have misrepresented the status and validity of the alleged debt on my consumer report, which constitutes a violation of my consumer rights. 



4. Unauthorized Furnishing of Account Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : LVNV Funding LLC has no authority to furnish any account information to consumer reporting agencies without providing all required disclosures by law. Their actions are in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 



Given these violations, I am formally disputing any and all debts claimed by LVNV Funding LLC. Additionally, I am exercising my right to revoke all communication permissions, including email, text, and phone calls. 



In my previous correspondence with LVNV Funding LLC, I have requested the following without receiving any satisfactory response : 1. Debt validation.

2. The purchase agreement between LVNV Funding LLC and the original creditor.

3. Proof that LVNV Funding LLC is licensed and bonded. 



I respectfully request that the Consumer Financial Protection Bureau take immediate action to investigate these violations and ensure that LVNV Funding LLC complies with all applicable laws and regulations. Furthermore, I request proof of certified mail receipt for my records. 



Thank you for your attention to this matter. Please contact me if you require any additional information. 



Sincerely, XXXX XXXX
Product: Mortgage

BSI services a mortgage that holds liens 4 of my properties. They collect escrow payments for property taxes and insurance on those properties. Taxes were dues on XX/XX/2022 on three properties and those have not been paid as of XX/XX/2022. I have contacted BSI no less that 6 times one the last 8 weeks to resolve. 

Payments are due for XXXX XXXX XXXX XXXX VA, XXXX XXXX XXXX # XXXX XXXX VA, XXXX XXXX XXXX XXXX VA
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 COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX CT XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX OF XXXX XXXX Balance : {$500.00}, XXXX XXXX SER XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX OF 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 an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent in letters to credit bureaus about fraud on my reports and only get back they verified it. i asked for proof of verifications along with my signatures which have never been provided to me. It is ruining my life and name and just want it resolved. I have filed a police report also with XXXX XXXX XXXX XXXX XXXX NUMBER : XXXX
Product: Student loan

I have submitted a previous complaint through the CFPB regarding Navient 's processing of my grace period. That was collected under complaint # XXXX. In short summary, I withdrew from XXXX  school on XX/XX/XXXX and returned to school on XX/XX/XXXX. This process used all of my grace period for loans issued prior to XX/XX/XXXX. However, on returning to school Navient forced me into deferment despite multiple repeated requests that I made to enter into repayment under an income based repayment program. Navient will hide behind some incorrect interpretation of documentation that they received from my school but for months I would call Navient, talk with their representatives and would attempt to remove my grace period and enroll in an IBR and would be told that the process would begin next month. This process repeated itself for months before I was ever told that Navient had incorrect information about my enrollment dates at school. This blatant error on their part cost me thousands of dollars in accrued interest on my loans. Additionally, this increased the amount of interest that capitalized on my principal when I finally would be let into the IBR repayment program. 
Following the issue of my previous complaint the company quickly entered me into the appropriate repayment which occurred on XX/XX/XXXX. On XX/XX/XXXX despite multiple months of payment in the REPAYE income based repayment program and repeated requests now that I remain in repayment Navient removed my loans from the REPAY IBR program and again placed me into grace period on those loans. According to documentation that I have received from Navient this has occured because I graduated from medical school this summer. Navient has specifically stated in their response to my previous complaint ( #  XXXX ) that they are aware that I have used up my grace period on my loans. They have illegally placed me back into grace period as my loans have no grace period left. I have not realized this occurred until now as Navient, despite entering me back into grace period and removing me from the REPAYE program, has continued to happily receive my autopayments. This illegal activity from Navient will end up costing me more than a XXXX dollars in lost interest subsidy from the REPAYE program and missing out on the 0.25 % interest subsidy from autodraft payments while on a repayment program.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
" XXXX XXXX '' using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO XXXX. $ XXXX. This authenticated record must include all tax filings ( including all XXXX 's, XXXX 's, and XXXX 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In spite of efforts on my part, XXXX XXXX/XXXX is still showing ERRONEOUS derogatory information. In XX/XX/XXXX, I financed the purchase of an automobile through XXXX XXXX. In XX/XX/XXXX, XXXX XXXX sold the loan to XXXX. My bank records show my payments to XXXX XXXX and later to XXXX were never late. The debt was paid in full as agreed and I received the title to the automobile. Moreover, the loan was never part of a Chapter XXXX Wage Earner Plan and I have submitted copy of the court records to support this statement. Hitherto, XXXX XXXX, a service of XXXX provided by Transunion has not removed the information. On three occasions, I notified Transunion and XXXX to correct the situation. As of XX/XX/XXXX, XXXX XXXX/Transunion is still listing information affecting my reputation and ability to obtain a credit card at an acceptable : i, e : Delinquent Account Alert Type : Delinquent Account Processed Date : XX/XX/XXXX Account number : XXXX Creditor 's Name : XXXX Type of Industry : Miscellaneous Finance Companies Address : XXXX XXXX XXXX , XXXX XXXX , MO XXXX Payment Status : Wage Earner Plan Creditor 's Preferred Contact Method : Other Consumer Statement : Dispute resolved ; customer disagrees
Product: Debt collection

TRANSUNION HAS VIOLATED MY RIGHT TO PRIVACY AS A CONSUMER BY SHARING MY NONPUBLIC PERSONAL INFORMATION AND HAS CONTINUED TO DO SO WITHOUT MY CONSENT UNDER 15 US CODE 1681b PERMISSIBLE PURPOSE AS WELL AS 15 US CODE 1681a RULES OF CONSTRUCTION.
Product: Money transfer, virtual currency, or money service

Hi, I am a client of XXXXXXXX XXXX XXXXXXXX ( Headquarters ), XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. I have made a request for XXXXXXXX XXXX to transfer {$11000.00} to my bank account in XXXX to CLOSED JOINT-STOCK COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This transfer was made on XXXX of XXXX. And still, I haven't my money. The corresponding bank for this transaction is CITIBANK NY. And as XXXX XXXX said CITIBANK NY block this transfer, because of sanction. I have written to the OFAC and got an answer that they haven't found any blocked my funds. Also, XXXX says that Citi cant gives any clear information to them. And can't find any legal reason why it happened. I already filed a lawsuit against the XXXX regulator. I want to resolve this problem as soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the accounts is accurate without providing any evidence of a through investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. 
I request that CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

This are the accounts that I marked as inaccurate : XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  XXXX Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I got a loan from this company in the amount of {$1100.00} I made already 3 payments in the amount of {$400.00} every two weeks but the amount I still owe after 3 payments is {$930.00} which is ludicrous, I understand they need to charged interest but not to take advantage of the people in need, so all the money that I have pay is for the high interest they pay. They need to disclosed that in bold black letters when people click on their website so they can be aware of it.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

On XXXX XXXX XXXX I sent a letter to this collection agency referencing an alleged debt in the amount of {$490.00}. I sent specific request for verification of the alleged debt they said I owed. The Collection agency returned a statement showing the alleged account was opened in XXXX. I have no such knowledge of ever opening any account with alleged creditor or collection agency. 

I also sent written request for collection agency to provide documentation of : signed contract by me of the alleged account, verification from original creditor of date of initial and last payment of alleged debt, documentation collection agency purchased the alleged debt from original creditor to include a copy of agreement and or contract. 

The written request from me to the collection agency clearly communicated supporting documentation needed to support their claim. The requested documentation was not returned. This is why I am requesting the assistance of the Consumer Finance Protection Bureau. 

A fair resolution to this issue calls for the collection agency to either provide the requested documentation in it 's entirety to valid the alleged debt or, to immediately remove the item reported to all three Credit Reporting Agencies : XXXX, XXXX and XXXX.
Product: Vehicle loan or lease

Purchased a new auto in XX/XX/2020, andcontacted KIA Lease End about early termination while we were purchasing a KIA. 

The dealer that we have an ongoing relationship with, agreed to pay off any early termination costs when purchasing the auto. 

Everything was fine up until XX/XX/2020 when someone from KIA leasing contacted my wife at work about an unpaid balance past due, and was being referred to collections. This is the first we had heard of the issue. We requested a copy of the invoice, they said they would send it and email a copy asap. They have not done either as of today. Again contacted her at work at XXXX Monday XXXX. And again we requested the paper invoice be mailed so we can resolve any issues. But they still threatened to send it to collections. 

We contacted the dealer finance manager about it, and he said they would take care of it, we just needed a invoice to show them. 

Without a valid paper copy, we can only assume this is just another scam of sorts, or other type of poor customer relations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and Financial loss, and I seek appropriate redress for these violations.