23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Your Email Address ] [ Your Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Complaint Against LVNV FUNDG, Account Number XXXX Dear Sir/Madam, I am writing to file a formal complaint against LVNV FUNDING regarding their collection practices pertaining to account number XXXX. I believe that LVNV FUNDING has violated my rights as outlined under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). 

Specifically, I would like to highlight the following points of contention : 1. Violation of 12 CFR 1006.34 ( b ) ( 5 ) : LVNV FUNDING has failed to provide me with proper notification regarding the debt collection process. I have not received any formal communication from them regarding the debt in question.

2. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Despite the absence of adequate notification, LVNV FUNDING has continued with their collection efforts without providing me with the requisite information regarding the debt, including the amount owed and the original creditor. 

XXXX. Violation of 12 CFR 1006.34 ( d ) : LVNV FUNDING has failed to furnish me with a written validation notice within five days of their initial communication, as required by law. This omission has deprived me of the opportunity to verify the debt and exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

4. Violation of 15 USC 1681-S2 ( 7 ) ( A ) : LVNV FUNDING has engaged in unfair and deceptive practices by attempting to collect a debt without providing me with the necessary documentation to substantiate their claim.

In light of the aforementioned violations, I demand that LVNV FUNDING cease all collection activities related to account number XXXX until they can provide evidence of compliance with the relevant regulatory requirements. Furthermore, if LVNV FUNDING contends that they have provided me with proper notification, I request a copy of the certified receipt bearing my signature as proof of delivery, otherwise I request to delete this collection from my credit reports. 

I appreciate your attention to this matter and kindly request that you investigate LVNV FUNDING 's conduct in accordance with your authority under the Consumer Financial Protection Act. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX phone XXXX
Product: Debt collection

XX/XX/2019, a " debt '' was put on my credit report with Transunion for {$720.00}. It was done by XXXX XXXX, a former place that I had moved from. The reported through XXXX XXXX XXXX, that I owe this money because of " damages '' to apartment when moved out. I moved out on XX/XX/2019 with a 60 day notice given to them, scheduled a final walk through with them also. At the final walk through, the only thing found was XXXX broken window blinds and a chipped faucet to the bathtub. My XXXX XXXX XXXX daughter was with me at the time as a witness, because I know how these landlords will fraudulently put down things " wrong '' with apartment so that when tenant moves out, the services they hire to " redo '' repairs, can be paid on the tenants dollar. They even said that they had to wax the floor. That floor wasn't even waxed when I moved in. As a matter of fact, the apartment was dirty, down to the electric plugs having dirt grime build up on all of them. I had to ask them to send maintenance back in to go over apartment again and clean it ( which they did a sloppy job still ) I didn't complain about it when I moved in, because at that time, I was living in my car, and didn't want to rock the boat with anything to cause me to not get the apartment. As I was living there, there was also a tenant who was harassing me, to the point she tried to run me over with her car. I kept telling the XXXX, but they would do nothing. They basically didn't like that I was persistent and " complaining '' to them, so this maybe this was their way of getting back at me. I explained to Transunion that these are fraudulent charges. The XXXX at the time of walk through, even wrote things down, only on a back piece of paper, I asked her to let me see, she wouldn't so that way I couldn't sign agreement of listing. I asked her if I could have a copy and she said their office is being remodeled therefore, she couldn't give me a copy. How are they able to get away with this, but when I come up to dispute this, I have to accept whatever they submitted. Nothing agreed and signed by me. Along with their intimidation and retaliation, which is illegal, so is this. Transunion did not take this off my credit. I am trying to get a place now, and this being on my credit, will also hinder me to do so. I can't be added to the homeless epidemic that governor XXXX is fighting for. Owners and landlords need to be hit with stiff penalties when they try to do this to tenants that move out. It happens to much, to too many people. Something needs to be done, and you can start here with this complaint. Please initiate Transunion responsible for not taking this off my credit. Thank you very much.
Product: Student loan

The payment history is reporting inaccurate. I paid on time and was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my updated credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to reinvestigate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my report and I noticed the following inquiries are unauthorized : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

i am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX 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 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 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/EQUIFA 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 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

PHOENIX FINANCIAL SERVICES LLC this company is claiming an collection amount for a past account fromXX/XX/XXXX. on which was pay back. 
Phoenix Financial claiming the amount as a new amount from XX/XX/XXXX, when the information is correct as this is a past account from about XXXX  years ago. amount that should not be claim for the age of the account as a new balance. the account needs to be remove from the credit report. as its affecting the score with incorrect information.
Product: Credit reporting or other personal consumer reports

I have submitted numerous requests to Experian to have the student loans under XXXX removed. Experian is the only credit bureau with this still on my credit report and it has been over a year and they still will not remove it. Their system will show the number of times I have requested this and as of XX/XX/year>, it still has not been removed.
Product: Credit reporting or other personal consumer reports

My information was impacted by a data breach and Im noticing incorrect information reporting to my credit report across all 3 credit bureaus. Under the FCRA ( 15 U.S.C. 1681 ), I demand immediate removal of the inaccurate item ( s ) on my credit report. These errors are damaging, unverifiable, and possibly linked to identity theft. You have 30 days to resolve or face escalation to legal action. I have enclosed necessary documents to complete my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i noticed there was a fraudulent collections on my credit report from XXXX XXXX XXXX XXXX. 

On XX/XX/2022 i noticed a fraudulent collections on my report from XXXX. 

Ive never done any business with ether company.
Product: Credit reporting or other personal consumer reports

I have a lot of discrepancies on my credit report.
Product: Checking or savings account

When viewing my bank account statement with Chase Bank I noticed multiple transactions of deductions from an unknown XXXX XXXX account from another state in the amount of {$4900.00}. I do not have a XXXX XXXX account. The perpetrater was able to transfer the funds between my savings to checking account. I filed a claim with Chase and the funds were originially refunded back to my account and a fruad investigation was started. Upon investigation, Chase then reversed the transactions and they told me I had approved these transactions via email which I have no record of and they refused to provide me with any copies. This has caused a tremendous hardship on me. I was no longer able to access my account while under investigation. The XXXX XXXX transactions left my checking account at a negative balance. Meanwhile my paycheck was deposited into this account and I could not access this to pay my bills.
Product: Student loan

NELNET refuses to help out a XXXX veteran and person by contacting the department of education to HAVE ALL LATES REMOVED FROM MY DISCHARGED STUDENT LOANS!! I have reported nelnet to florida US senators XXXX and XXXX for investigation and the department of education and I demand the lates be removed from my credit report immidiately!. I was homeless, no money no income no address and no telephone you evil company!! you DID not contact the department of education to ask if the lates could be removed, instead just spewing XXXX about we tried to contact you. I was homeless and XXXX you XXXX! contact the department of education and remove the lates from XXXX from my credit report and correct it immediately, the senators have requested this from the department of education as well!!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report 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 that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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  Balance XXXX {$1500.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX FIN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' It has been 180 days i received an email to withdraw my funds but they are not letting me add my debit card to withdraw my funds. 

They need to restore my account so i can withdraw my funds
Product: Debt collection

Avante USA is claiming I owe on two accounts one for {$2700.00} and the other for {$1800.00} they are claiming the debit is from XXXX XXXX. I filed a dispute with XXXX  # XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX  informed me the accounts were verified as accurate. I am on XXXX if I owed this it would have been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have two negative credit items on my reports that is over 10 years old from the date that I opened them. By law after 7 years those accounts are supposed to be deleted. I disputed the accounts and it looks like they just updated dates and never removed them. 
The accounts are : XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX date opened:XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 13 Accounts on my credit report that do not belong to me I have disputed this with the bureaus and furnishers and I am getting nothing back. I am spending so much time on these accounts and they dont even belong to me I am trying to see why nothing is being done for this. 

XXXX/XXXX  - XXXX - Amt {$1600.00} XXXX  XXXX XXXX - XXXX  - Amt {$4300.00} XXXX  XXXX XXXX - XXXX  - Amt {$5800.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2400.00} XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$10000.00} XXXX  XXXX  - Acct # XXXX Amt {$26000.00} XXXX XXXX  XXXX/XXXX  - Acct # XXXX Amt {$590.00} XXXX XXXX XXXX - Acct # XXXX Amt {$870.00} XXXX XXXX XXXX - Acct # XXXX Amt {$3000.00} XXXX XXXX XXXX - Acct # XXXX Amt {$700.00} XXXX - ACCT # XXXX Amt {$3000.00} XXXX XXXX XXXX - ACCT # XXXX AMT {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reported my card lost between XXXX -XXXXXXXX PTS and was told I would receive a new card in 7 business days, About two weeks went by and contacted customer service and was told to wait 7 more business days and dont know why it was never shipped, a week later still no card I called and was told it would be shipped and received within two business days, called again today XX/XX/2018 and was told I wasnt notified about the card delay on a problem on their side and was shipped regular mail. This 3rd attempt didnt acknowledge my past contacts and just kept telling me to wait till next week after having to make an phone appointment with the manager and compicated {$10.00} credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of an unauthorized hard inquiry on my credit report, as listed in the report I received from your agency. I have identified an inquiry that was made without my consent or knowledge.. 

To assist you in your investigation, here is the inquiry that I am referring to : -- EQUIFAX -- XXXX  - XX/XX/2023
Product: Credit reporting or other personal consumer reports

XXXX {$11000.00} XX/XX/year>, XXXX XXXX {$670.00} XX/XX/year>, XXXX XXXX XXXX XXXX XXXX$5600.00} XX/XX/year>, XXXX {$1400.00} XX/XX/year>, XXXX XXXX XXXX {$2400.00} XX/XX/year>, XXXX XXXX {$160.00} XX/XX/year> XXXX XXXX XXXX {$380.00} XX/XX/year> XXXX XXXX XXXX {$910.00} XX/XX/year>, THESE ACCOUNT ARE NOT MINE MY INFORMATION WAS EXPOSED IN THE DATA BEACH FCRA LEVERAGE LAWS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am requesting a copy of the original purchase agreement/assignment document of my Creditor According to credit code 15usc6802 a financial institution may not disclose non- public personal information to a nonaffiated third party. Also 15 usc 1681b2 states that FCRA that outlines the permissible purposes requires the consumer reporting agency CRAS to provide a consumer reports upon request. Also 15 usc 1681-S2A references creditors reporting information with actual knowledge of errors addition to the requirements. According to 12 cfr 1006.34c/18 usc 1028a producing information without lawful authority and identification document knowing that such document was stolen or produced without lawful authority. I am requesting the Creditor and any inquiries listed on my credit report due to not having principal purposes to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX xxxxxx XXXX XXXX XXXX XXXX xxxxxx XXXX XXXX XXXX XXXX  xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have sent TransUnion four certified letters asking them to verify that items being reported on my credit report be verified correctly under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.
Product: Debt collection

I paid {$1800.00} on XXXX because I was threatened and told if I didnt pay right then and there I would be sued and it would be considered fraud if I didnt pay. I set up an arrangement to pay the remaining balance I owed in interest of {$3200.00} for XX/XX/23 but I was unable to pay. I emailed them and let them know that I couldnt commit to the {$3200.00} payment and I need to split up the payments, I received no response to my email. On XX/XX/23 my mother and friends started getting harassing calls from this debt collector threatening that I need to pay and disclosing all of my personal information.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE FRAUDULENT ACCOUNTS AND HARD INQUIRIES OFF MY CREDIT PROFILE IMMEDIATELY FROM EXPERIAN, XXXX, XXXX XXXX. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00}
Product: Checking or savings account

Hello! 
We opened a new checking, savings and money market account last week. We deposited a large sum of money. We have since been told we have no access to our funds and our accounts have been frozen. The banker XXXX said he made some sort of error and thus the result is we don't have access to our money. We are livid. We have bills coming due and our mortgage and we need our funds immediately. Please advise.