23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally lodge a complaint against LVNV Funding LLC regarding their handling of a debt collection matter concerning an alleged amount of {$680.00}. 

On XX/XX/XXXX, I received a notice from LVNV Funding LLC claiming that I owe {$680.00}. Prior to this notice, I had not received any communication or correspondence from LVNV Funding LLC regarding this debt. The notice provided no detailed breakdown of how this amount was calculated, nor did it specify the origin of the debt. 

Upon receiving the notice, I immediately took the following actions : Contacted LVNV Funding LLC : On XX/XX/XXXX, I contacted LVNV Funding LLC via phone to inquire about the debt. During this call, I requested additional information about the debt 's origin, including dates and amounts. The representative I spoke with was unable to provide specific details and could not clarify the nature of the debt beyond stating the total amount owed. 

Request for Validation : Per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested validation of the debt in writing on XX/XX/XXXX. Despite this request, I have not received any documentation or proof that substantiates the validity of the debt from LVNV Funding LLC. 

Disputed the Debt : In accordance with the Fair Credit Reporting Act ( FCRA ), I disputed the debt with all major credit reporting agencies ( XXXX, XXXX, and XXXX ) on XX/XX/XXXX. As of today 's date, LVNV Funding LLC has not provided any documentation to these agencies to verify the debt. 

Ongoing Harassment : Despite my requests for verification and dispute of the debt, LVNV Funding LLC continues to send collection notices and make phone calls regarding the alleged debt. These actions are causing undue stress and are in violation of the FDCPA, which prohibits harassment or abuse in debt collection practices. 

I expect LVNV Funding LLC to provide the following actions to resolve this matter : -Provide detailed documentation that validates the existence and amount of the debt. 
-Cease all collection efforts until the debt is properly validated. 
-Refrain from reporting the debt to any credit reporting agency until the validation process is complete.

-I am prepared to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel if LVNV Funding LLC fails to address these concerns promptly and appropriately. 

Please acknowledge receipt of this complaint within 30 days and inform me of the steps LVNV Funding LLC intends to take to resolve this matter. Failure to do so will leave me no choice but to pursue all available legal remedies to protect my rights.
Product: Mortgage

On XXXX XX/XX/XXXX at XXXX I had a conversation with a representative of Ally Bank to check on where my refund of the escrow account was after paying off my mortgage. According to a letter received from Ally I was supposed to receive the check after 20 business days from the date the mortgage was paid off. Twenty business days occurred on XX/XX/XXXX as of XX/XX/XXXX no money has been received. Further, I received a payout statement from XXXX effective XX/XX/XXXX stating my payout amount was {$1600.00} and my escrow amount was {$3700.00} but XXXX would not accept the payment when I attempted to pay off the mortgage because it was part of a sales package to Ally Bank and I must contact Ally Bank on XX/XX/XXXX to pay off the note. Ally was contacted on XX/XX/XXXX to pay off the mortgage but I was informed they did not have the information and the loan number was not set up yet, the earliest I could contact them was XX/XX/XXXX. On XX/XX/XXXX I contacted Ally Bank to pay off the mortgage and was informed the payoff amount due was now {$1600.00}, no explanation was given for the increase in payoff amount. I promptly wired the necessary funds to Ally Bank. Next, I received an undated letter from Ally Bank informing me there was an additional fee for recording the mortgage transfer from XXXX, {$33.00}, as well as an additional {$10.00} charge for interest fees on the remaining mortgage. This is a deceitful and possibly fraudulent practice and the fact they prevented me from paying off the note when I first called on XX/XX/XXXX shows a sloppy business organization, further they made a business decision to acquire the mortgage from XXXX, and the filing fee is an acquisition cost which shouldn't under any circumstances be put off on their customers. The next letter I received was dated XX/XX/XXXX notifying me the note had been paid in full effective XX/XX/XXXX, which demonstrates I was serious about paying off the mortgage. The letter stated a refund check would be received in approximately 20 business days, as of XX/XX/XXXX there has been no refund check received. In my conversation with Ally Bank on XX/XX/XXXX, I was told the escrow check was cut on XX/XX/XXXX, I now have concerns this was a fabrication by the representative I spoke with. I believe they should not be allowed to keep the {$43.00} and the bank should be sanctioned for abuse of lending practices. 
Approximately 5 years ago an account was opened by Ally Bank in my name and {$5000.00} was withdrawn from my XXXX XXXX savings account without any contact with me. When I approached XXXX XXXX they were able to reacquire the money for me and forced the account to be closed. I was told the incident would be filed since I didn't know who to approach to file a formal complaint so my history with Ally Bank is not a positive one.
Product: Credit reporting or other personal consumer reports

A few days before XX/XX/2022 I notice my fico score significantly dropping from an XXXX I called the XXXX Police Department on XXXX at XXXX with XXXX XXXX, XXXX ( badge number XXXX ) Case Number XXXX the charges are Fraud and information fraud. I just can't believe the Trans Union, XXXX, XXXX have the audacity to write back investigation results verified and updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX , XXXX XXXX XXXX XXXX, GA XXXX , XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX Balance : - , XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX Inquired on XX/XX/XXXX , XXXX Inquired on XX/XX/XXXX, XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XXXX XXXX , XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting

I found inaccurate information on my credit report and set my disputes in to all XXXX major credit bureaus. With my letter I included my ID, SSN and proof of address. The date of the bill was for XX/XX/XXXX. My dispute was dated for XX/XX/XXXX ; I had not received my bill for XX/XX/XXXX yet. In the response that was received by TransUnion, it states that my bill is unacceptable. In the list of what pieces to send TransUnion, it states : ID, SSN and proof of address. That is exactly what I had sent. It is my belief that this is only a stall tactic, which is a violation of my right to dispute inaccurate account pursuant to the FCRA. The bureaus are known for this and although it may work with someone else, I know what I am doing and will not allow for this to happen. I am uploading all of the documents that I originally sent to them and will include this complaint with my letter I am sending to TransUnion tomorrow. I expect for TransUnion to process my disputes according to my rights afforded to me under the FCRA.
Product: Debt collection

The collection agency, Prince Parker and associates in XXXX NC are attempting to collect an incorrect amount with XXXX XXXX XXXX. 

I contacted the agency by phone on a recorded line of on XX/XX/2023 to dispute and stop the collection process per their letter until they prove the debt was valid and to also provide me with an itemized statement showing how the debt was determined at that amount. The amounts are incorrect. The agency just sent the final bill and nothing more. They did not stop the collection process as it was stated on their letter and they illegally reported to the debt on my credit. I called and wrote to them. I did speak with an agent and she threatened to report if not paid. I told the agent they needed to provide proof of this debt, not just a statement without any justification of the debt amount. Told the agent, that was against my rights with the Fair credit reporting act. A week later they report to my credit with not letter, no notice. Illegal! 

This company prematurely report this debt to my credit report negatively impacting me without doing their due diligence. 

I need help to get that debt removed off my credit report and once debt is validated and justified then I can settle the debt.
Product: Debt collection

In XX/XX/year> I was in the process of settling my credit card debt with Navy Federal through National Debt Relief ( NDR ). I had been actively working with XXXX to resolve my debt, and as part of the settlement process, no further actions were supposed to be taken while negotiations and settlements were being finalized. 

Despite this, Navy Federal took {$820.00} from my account without my explicit authorization. These funds were specifically from my XXXX XXXX payments, which I rely on for living expenses and education, and were not meant to be used for debt collection purposes. Following this seizure, Navy Federal sold the remaining debt to a collections law group, despite knowing that I was in the middle of a debt settlement process. 

Key Issues : Seizure of GI Bill Funds : The {$820.00} taken from my account came from my GI Bill benefits, which I depend on for my education and living expenses. These funds should not have been seized without proper notice or authorization. 

Ongoing Debt Settlement Process : I was actively working with National Debt Relief ( NDR ) to settle this debt. Navy Federal acted prematurely by taking these funds and then selling the debt to a third-party collections law group before allowing the settlement process to be completed. 

No Notice of Funds Seizure : I was not provided adequate notice that Navy Federal intended to take these funds or sell the debt, which has caused significant financial hardship and confusion, particularly since these funds were part of my GI Bill benefits.

The unauthorized seizure of these funds has caused significant financial hardship, as I rely on my GI Bill payments for my education and essential living expenses. The sale of the debt to a third-party collections group complicates my situation and creates further stress during this challenging time.

I request the CFPB 's assistance in addressing this matter and ensuring that Navy Federal Credit Union is held accountable for these actions.

Due to navy federal deactivating my XXXX XXXX checking account, I can not provide any receipt of this transaction at this time.
Product: Checking or savings account

On Tuesday, XX/XX/2023, Chime informed me that my account would be closed on XX/XX/2023 and that a check for any remaining balance would be mailed within thirty ( 30 ) days of XX/XX/2023 to the address that they had on file for me. No explanation of account closure was given besides a claim that I exhibited activity that violated the terms of the Deposit Account Agreement which I read and saw no violation on my part. Today, XX/XX/2023 at XXXX, I contacted them to inform them that a customer service rep told me I was being sent a new card but also that my account was scheduled to close which it did. I asked for a status update on when my funds that were remaining in my account would be mailed and they responded saying quote The account will be closed on and is not eligible for a refund. After this email, I submitted an appeal and havent heard anything since. The total amount in my account upon closing was {$43000.00} and I need my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was charged off in XXXX XXXX but the company continues to report delinquent payments in the amount of {$360.00} every month and increasing the account balance. 
I called XXXX and sent a letter on XXXX XXXX, XXXX, requesting that they remove the incorrect information from my credit files. They changed the account status to closed but they continue to report delinquent payments to XXXX and XXXX each month. 

I also sent a letter to Equifax and Experian notifying them that the information is inaccurate and requested that it be removed.
Product: Credit reporting or other personal consumer reports

I am writing to follow up my dispute with certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing. XXXX  Date of inquiry : XX/XX/year>.
Product: Mortgage

This just shows Bank of America 's incompetence. They have been claiming I have n't submitted proof of insurance and have even signed me up for insurance all while I 've had insurance and they should have the documentation, it was provided last year and now it 's my inconvenience they ca n't properly maintain records ... 

I 'm attaching the file for last year, they still have a host of issues to address from previous complaints so I will send the latest policy once they prove I am bound by BOA terms which means send me the legal information on the transfer of my loan. Instead they have only sent thousands of duplicate pages of the original note, BOA terms, everything but the legal paperwork for the transfer of the loan.
Product: Debt collection

This agency has been instructed to validate the debt through written form. I have not received a letter. They call multiple times throughout the day without leaving messages. I receive multiple calls from multiple telephone numbers with different area codes. 
( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting

On my background check report it states that I have a XXXX misdemeanor however, I have never been arrested in my life. This is inaccurate information and I am the victim of identity theft.
Product: Credit reporting

ITS SHOWS INFORMATION IN DIFFERENT CREDIT REPORTS THAT THE ACCOUNTS ARE CONSIDERED " INCLUDED WITH MY BANKRUPTCY '' DISPUTE ALTHOUGH IN OTHERS REPORTS ARE CONSIDERED AS " CHARGE OFF ''. I DO BELIEVE THAT THIS CHARGE OFF ACCOUNTS SHOULD HAVE BEEN INCLUDED WITH MY BANKRUPTCY.
Product: Mortgage

A unprofessional, who thinks he is an alpha male came from up north to do my loan, he doesn't have much of personality and was condescending, thinks women are below him. I was suppose to be able to re-do the loan to lower payments which I have tried to speak to someone about this and I just get the runaround and never get to speak to anyone. I feel that I've been taken advantage of and or discriminated against to say the least. I make my payment every month on time and I've lost one of my incomes and have been trying to get this loan re-done to lower the payment but I just keep getting transferred and never to anyone that can help. Ameris is very unprofessional and discriminating against females.
Product: Credit reporting 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 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have put a complaint on chexsystems in reference to a fraudulent account with XXXX that was opened in my name. I also attached the police report this is hindering me from being able to obtain an auto loan a chexsystems has not tried to help me expedite this problem and I have no transportation to get around and my approved auto loan is being delayed because XXXX of the conditions was to open a savings account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states that i have a right to privacy 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : SCREENING REPORTS XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

After receiving a notice that my alleged debt was moved to the debt collector Portnoy Schneck, L.L.C., I was told in writing to contact the debt collector to address it. After calling once, I was told my account number could not be found and that I should call after the end of XXXX 2024. After that, I called again, and my information could not be found again. The agent asked me to email them my ITIN, which I did the day after, but I have received no reply to this date and have been sued by the collector instead.
Product: Debt collection

On XX/XX/XXXX, I contacted NCB Management Service to get my account number. I wanted to send them a letter of validation. I noticed on my XXXX credit report that a had a negative entry from NCB Management Service dated on XX/XX/XXXX. I never had an account with NCB. The customer rep stated on the phone that they no longer have my account and it has been sold to XXXX XXXX. I asked them to please remove the unauthorize entry. The rep stated that nobody there had the power to remove it out and rudely hung up the phone. I would like to ask NCB to validate this account or delete it immediately. Please have NCB to provide : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters.
Product: Debt collection

This XXXX XXXX XXXX is not original creditor my information was sold to them and they put this derogatory mark on my credit XXXX XXXX and they keep harassing me with phone calls repeatedly.
Product: Credit card or prepaid card

I have had this card since 2011. {$500.00} limit. 
I am on my son 's account too where I purchased {$4500.00} and paid off on 18 months. 
My credit score is XXXX. I am trying to purchase flooring approx {$1500.00} w/ install. I have other cards but don't want to use. I want limit increase. For this purchase. My balance is usually XXXX  10 - 18 months
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my credit report, I found inquires that were not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Fortiva issued a credit card in my name to someone else and the account is delinquent. I contacted Furtive and to date they have taken no action, indicating over a week ago that they would send me an affidavit by mail to complete. My reports to XXXX show no activity to resolve false addresses and phone numbers used in addition to the false credit.