23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The attached complaint sets forth all of the claims involving the deceptive nature in which LVNV Funding , LLC brought its case under index # XXXX. Naming a plaintiff as " LVNV Funding , LLC XXXX XXXX XXXX '' is a deceptive practice because that entity misidentifies the creditor, is not licensed, lacks authority, and implies more of a direct relationship than exists between LVNV and XXXX XXXX. A federal case annexed to the attached complaint clearly states a cause of action for that tactic under the Fair Debt Collection Practices Act. XXXX XXXX challenges LVNV 's legal right to sue her in the first place. Upon information and belief, LVNV failed to secure a valid chain of assignments before it sued XXXX XXXX. New York courts are very concerned about debt buyers who do not and/or can not produce a valid chain of custody. 

XXXX XXXX also contends that LVNV added pre-judgment interest to her debt but it lacked contractual or statutory authority to do so. 

XXXX XXXX was not given valid notice of any assignment and any meaningful right to demand validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent in a letter disputing and challenging unauthorized and fraudulent inquiries being reported on my credit report ( see attached ). Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax investigate these non-account holding inquiries. In addition, on XX/XX/2021, I sent in a 30 day demand letter ( see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that these unauthorized inquiries be immediately removed and deleted from my credit report.
Product: Debt collection

I am very concerned about these accounts, which are not mine : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been asking my service mortgage provider to show me proof of monies distributed for servicing this morgage after a modification was agreed upon. Now they are trying to collect on this money even after i agreed to {$32.00} in interest and other fees. I am disputing XXXX and additional {$730.00}. Totaling {$3600.00}. i have been asking them for proof of this since XX/XX/2015. I am still waiting till this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States that 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.
Product: Vehicle loan or lease

The company stated they purchased this loan from someone else. But, failed to mention the name of the company. I'm only aware of XXXX XXXX XXXX as the loan originator. Who did they purchase the loan from? 

I never received a TILA disclosure and just found out about it on the CFPB website.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which 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. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX, XXXX XXXX XXXX XXXX, ME XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$500.00}, XXXX XXXX XXXX : {$190.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 we purchased 2,500 XXXX followers for our XXXX page. The company we purchased them from was called the XXXX XXXX. To date, the XXXX XXXX has only delivered 1,649 followers, which is under the 2,500 we paid for. The XXXX XXXX does not respond to emails regarding this transaction. 

We disputed this transaction with PayPal and they continue to say the item was delivered as promised. Though an item was delivered, the service failed to fulfill the quantity we purchased. The item we paid for was not delivered as promised. We purchased 2,500 followers and only received 1,649 ( and those followers drop off daily ).

We are asking for a full refund. PayPal refuses to refund this money to us. The service we paid for was not provided.
Product: Checking or savings account

USAA has had around {$5000.00} of my funds on either hold or just missing. On XX/XX/XXXX I made a check deposit from one of my accounts to another one held by usaa. They then proceeded to put a 7 business day hold on my funds. I was never informed of why, and the time-frame was only disclosed after I called in to look into this. USAA also received $ 1400+ from my XXXX XXXX XXXX mortgage account for home owners insurance on XX/XX/XXXX -this was a wire from XXXX XXXX XXXX . USAA told me they never received these funds and I was left wondering where they were. XXXX  XXXX XXXX confirmed the wire and as of today XX/XX/XXXX USAA has no idea when I will be receiving these funds. It is entirely unacceptable for them to have this much of my money on hold or missing for no apparent reason. As someone who works in banking a 7 business day hold is unheard of. I also do not appreciate USAA 's agent telling me that writing a check to myself is " illegal '' and this is 100 % not true at all. 

I feel this practices combined represent a severe and material violation of Regulation CC, UDAAP, as potentially RESPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 USC 1681 Section 602 states I have the right to privacy. 

I feel as if this issue was not handled properly.
Product: Credit card

I am disputing fraudulent entertainment-related charges on my Macys/American Express account that I did not authorize. These charges began in XX/XX/2023, and despite canceling the card and repeated assurances that an investigation was underway, no resolution has been reached. 

The charges, totaling over {$3000.00}, are unusual because my physical card was never usedI always swipe my card for transactions. Additionally, the statements are vague and only list the charges under the generic entertainment category, with no specific merchant names. The charges also span multiple days and appear from the same merchant, further suggesting fraud. 

For comparison, a similar issue involving fraudulent charges was quickly resolved by XXXX on my XXXX XXXX card, demonstrating that the fraud on my accounts is valid and not an isolated incident. However, Macys/American Express continues to charge interest on these transactions, even after the card was canceled. 

This has been ongoing for nearly a year and has negatively impacted my credit report due to adverse actions. I believe it is improper to charge interest on a canceled card, especially in cases involving clear fraud, and I am requesting an immediate resolution to this issue.
Product: Debt collection

I have constant phone calls from American Express ( they say they are from American Express ). They ask for XXXX XXXX. XXXX XXXX is my ex-husband we've been divorced since XX/XX/2002. When I explain this they demand that I provide them with his phone number. I've not done so, but I have forwarded their phone numbers to my ex-husband. I've also asked them numerous times to stop calling me, they have not stopped calling. It's been 4 months. 
The phone numbers are XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Notification of Violations of the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally notify the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) regarding serious violations of the Fair Credit Reporting Act ( FCRA ) by Experian, XXXX, and XXXX. These credit bureaus have neglected their obligations under Section 605B, which mandates the proper handling of fraudulent inquiries on consumer credit reports.

Below are the details of the fraudulent inquiries that remain unresolved : Creditor Name Date of Inquiry Credit Bureau XXXX. XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Experian XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX Despite my efforts to rectify these inaccuracies, the credit bureaus have failed to conduct reasonable investigations, leaving fraudulent inquiries unaddressed. This negligence has significantly impacted my credit standing and violates my rights as a consumer under federal law. 
I am requesting immediate action to rectify this situation, including the removal or correction of these disputed inquiries. The ongoing inaction of Experian, XXXX, and XXXX constitutes a serious breach of consumer rights and undermines the integrity of the credit reporting system. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXXXXXX XXXX 1-308 All Rights Reserved,
Product: Student loan

I was told my income recertification was coming up and I was required to recertify my income for my SAVE plan. When going through the process, I discovered that switching to a new plan ( ICR ) would have me paying a lower monthly payment while staying on PSLF. So I switched to this plan. Shortly after this, I saw through the news, that the income recertification was delayed and pushed back! Mohela never sent me notification about this. When I reached out I have received several different conflicting answers. 

1. It would happen automatically and there is nothing to do on my end.

2. Since I switched IDR plans, I do not qualify for the extension on the deadline to recertify.

I only switched plans due to the deadline of income recertification, and would have stayed on my existing plan to keep my lower payment.

I am looking to have my payment reverted, and a refund of the difference between my old payment and my new payment.

I have done online messaging, and called in to Mohela several times, but nobody can give me a straight answer, and some flat out lie and make up answers https : //studentaid.gov/announcements-events/idr-recertification-extended
Product: Debt collection

I have XXXX XXXX XXXX so i have no hospitals bills plus the Collections i see it wasnt me. My. XXXX had stole all my important things like birth certificate id social security card evrythjng and has been falsy usi g my identity..if i go to doctor my i suraces which are active pay for it all. So any that dont have my i surance wasnt me. Please help with this ... im homeless causr. Of my credit .my mothrr ruined it t she died now its my aunt.
Product: Vehicle loan or lease

My car was repoed after falling behind 2 payments, i reached out to honda financial about paying my full past due and even payong 6 months in advance. I had fallen behind due to unemployment payments delayed and helping my family financially with the passing of my grandfather to covid. I pleaded to please let me pay what i owed and continue with the lease due to it being my only car to transport my family in and meeting with potential employers but they lacked in reconsidering their decision.
Product: Vehicle loan or lease

I hope this letter finds you well. I am writing to formally request the issuance of XXXX XXXX, Cancellation of Debt, for the account associated with [ Your Account Number or Loan Number ] in accordance with the requirements set forth by the Internal Revenue Code ( IRC ) and the regulations governing debt cancellation. 
According to IRC Section 6050P, creditors are required to report the cancellation of debt of {$600.00} or more to the IRS and to the debtor by issuing XXXX XXXXXXXX. Specifically, under IRC 108 and Treasury Regulation 1.6050P-1, any forgiveness of debt or cancellation of indebtedness resulting in income for the debtor must be reported on this form. 
In light of this, I kindly request that you provide me with XXXX XXXXXXXX for the cancellation of the debt associated with my account. As stipulated by the IRS, a creditor is obligated to issue this form by XX/XX/XXXX of the year following the cancellation of debt, and I would appreciate your prompt attention to this matter in order to ensure compliance with federal reporting requirements. 
If additional information is required to process my request, please do not hesitate to contact me at XXXX or XXXX. 
Thank you for your attention to this matter. I look forward to receiving the required form at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

All incorrect address and misspelled names on credit report is affecting my score and I want removed from transunion XXXX and XXXX
Product: Payday loan, title loan, or personal loan

Boug ht   XXXX    XXXX  at    XXXX   XXXX   and financed them, I guess throug h Citizens Bank.   Payments are hitting m y    XXXX   XXXX   credit card monthly  (   XXXX   pa yments each month ). I have never received any statement, have no idea what the account number is, the balance, etc. I attempted to find the loans o n the Citizens website, ho wever I do n't have any account number. Attempted to call, they could not locate the loans. I have n't received anything on either of these loans ( no disclosures, statements  ), the only thing I get is an auto email each month telling me that the payment is being processed. I have no idea what the rate is, the APR is, or the term is. Because I was never giv en disclosures with this information, I should not have to pay the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2019 I received a message that one of my credit cards ( XXXX XXXX ) is over the limit.this information is incorrect the card is not over the limit. XXXX XXXX sent me this message. I tried to get online to dispute this wrong information with XXXX but they wont let me online it kept saying error message and not able to complete my dispute. Having this wrong information has dropped my credit score.
Product: Credit reporting or other personal consumer reports

In my initial compliant I stated that there was an improper use of report, here are the additional laws governing why I have asked for deletion. 

15 USC 1681 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 6802 Notice of requirements Notice requirements ( A ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given 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 XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  X/2016  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I was in the middle of a divorce and it was my understanding that my ex-husband would be taking care of these payment as per our divorce decree.
Product: Credit reporting or other personal consumer reports

I paid of my loan with XXXX XXXX in the amount of {$3000.00} on XX/XX/year>. Within a few days this company reported to the credit bureaus that I owed the entire amount. I disputed with the credit bureaus and the loan balance was changed to zero. Today, XX/XX/year>, XXXX XXXX reported to the credit bureaus that I owed {$3000.00}. I called XXXX XXXX and spoke to an employee named XXXX who said that they responded to my dispute with the credit bureaus and reported that my account is active and has a balance which is fraudulent reporting when my account. Is paid in full.
Product: Mortgage

We took out a HELOC with a big box lender 10 years ago. Our property went under water and we lost household income so we filed Chapter XXXX which was discharged 8 years ago. We were told we were no longer responsible for the debt ... but that the lien would remain on the property. We found out in XXXX that the lien from XXXX did not record until XXXX we recently found out there was an issue in the assignment process as well ... .that the original big bank did not properly record the assignment transfer. In fact we got a call from the bank saying they were " correcting '' the error by recording another assignment to a company that was supposed to have been assigned originally. So not only did the deed record 5 years after signing but 3 years after BK discharge .... and with significant irregularities in recording. However, this is only part of our complaint. We have been attempting to settle with Trinity since XXXX ... .in the initial call their representative told us they will not negotiate ... .that they " would purchase my first mortgage then foreclose '' ... or they would simply " wait until the values go up then foreclose. '' In XXXX of this year Trinity filed an " notice of default '' against us. earlier this month we had offered a settlement amount which was declined via email and countered to {$70000.00} on XX/XX/XXXX. My wife and I have been scrambling around borrowing, liquidating XXXX and selling personal effects to come up with the XXXX ... ... I contacted XXXX via phone and had a conversation with XXXX yesterday. I explained we had done everything we could to come up with the money and that we wanted to know what we could expect in return for the settlement. XXXX said he would send me an email within 10 minutes of our call but what we got was an increase in the amount to {$77000.00} ... ... {$7500.00} almost to the dollar. So in summary, after accepting their email offer they used the verbiage in the email to say there was no actual offer ... just the " possibility '' of approval followed by another email with the higher amount. What is to stop them from doing the same thing again? We dont have XXXX but I feel like if we said we did they would simply raise the amount again. The ethics of this company and its representatives are suspect at best ... .and the individuals earning a living by foreclosing on families have dirt all over their hands ... at some point the CFPB and other government agencies need to get involved to stop the gorilla tactics taken. Sad thing is they paid pennies on the dollar to obtain this note. Ironically the amount of XXXX which we agreed to represents full repayment of the original amount borrowed plus {$10000.00} ... ...
Product: Debt collection

My credit card was used to open this charge card in this consumer credit transaction. Through the use of my credit card, Capital One is repeatedly getting paid through my credit that is tied to the treasury account with the United States which is a corporation. This charge card is already paid for. This is a credit transaction but Capital One is continuously requesting cash payments. I sent Capitals One a cease and desist demand letting them know that 1. I do not owe this debt and 2. That they stop communication with me through all mediums as its my right under the Fair Debt Collection Practices Act, 15 USC 1692c ( c ).
Product: Credit reporting, credit repair services, or other personal consumer reports

****** Company 's Response to # XXXX XXXX Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. Please provide us with the following information : Please be specific by listing the account names, numbers, and nature of the dispute. Please provide the requested information to Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX. If you have any questions or require additional information, you may contact by calling a Customer Service Representative at XXXX. 

****** Feedback to # XXXX ****** Here is another example of how feckless the CFPB is, worthless Gov't that serves no real purpose. 

The CFPB allows the people it regulates to close it's own complaint, self regulation & justification of giving an address that was used to start the dispute process with the Credit Bureau ... If that was a functioning process, I would not be here with a CFPB complaint.. DUH?? 

How is " Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. '' how is that responsive to the consumer concerns? 

************************ To demonstrate how impotent this process is, I'm having to detail a 2nd complaint ... where the 1st was non-responsive. As shown in the original complaint ... I took the required step to dispute derogatory info on my report by hand written detail of the information show to XXXX XXXX as being on my report.. 

The dispute was not performed and thus, the Credit Bureau refuses to remove these items on day 31 ; as my rights under the Fair Credit Reporting Act demands..