23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I need your help and I am writing to file a formal complaint against Resurgent/LVNV Funding, LLC regarding their collection practices in relation to my account with them, identified with a XXXX  XXXX account. It has come to my attention that Resurgent/LVNV Funding , LLC has been violating my rights as a consumer under various provisions of federal regulations and statutes. 

Specifically, Resurgent/LVNV Funding, LLC is in violation of the following regulations and statutes : Violations : XXXX CFR XXXX ( b ) ( XXXX ) : This regulation outlines requirements for debt collectors in providing validation of debts. Resurgent/LVNV Funding, LLC has failed to provide proper validation of the debts associated with my accounts as required by this regulation. 

XXXX CFR XXXX ( c ) ( XXXX ) ( i ) : This regulation pertains to the provision of written notice by debt XXXXollectors. Resurgent/LVNV Funding, LLC has not provided adequate written notice regarding the collection of the debts in question, as mandated by this regulation. 

XXXX CFR XXXX ( d ) : This regulation addresses the timing of validation of debts. Resurgent/LVNV Funding, LLC has failed to adhere to the specified timeframe for validating debts, as stipulated by this regulation. 

XXXX XXXX XXXX ( XXXX ) ( A ) : This statute concerns the rights of consumers in relation to their credit information. Resurgent/LVNV Funding, LLC 's actions are in violation of my rights under this statute, as they have not provided proper notification or validation of the debts impacting my credit. 

Demands : Cease Collection Activities : I demand that Resurgent/LVNV Funding, LLC cease all collection activities related to my accounts. 

Delete Reporting : I demand the deletion of the reporting of the account to the credit bureaus. 

Certified Receipt of Notification : If Resurgent/LVNV Funding, LLC believes they have provided me with proper notification, I request that they furnish me with a certified receipt bearing my signature as evidence of such notification. 

Compensation : I request compensation of {$1000.00} for the violations of my consumer rights as outlined above.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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: Checking or savings account

On XX/XX/year> I filed a dispute with Truist Bank about my card being stolen and funds taken from my account. I got a letter about 1 of the 2 transactions that where made. After I filed an additional dispute about the other fraud charge they closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My suitcase, wallet, and passport was stolen a couple years ago from my hotel room which resulted in my becoming a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I have written letters to the four credit bureaus, XXXX, XXXX, TransUnion, and XXXX, on XX/XX/year>, to correct my address, name, and other personal identification information such as my employment details that are inaccurate on my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). Despite providing evidence of my identification and address, they have not made the necessary corrections.
Product: Money transfer, virtual currency, or money service

I booked my honeymoon at a villa/resort in XXXX in XX/XX/2022. I received a confirmation email form the resort, and I was told that I had to pay the resort through Wise.com, as my card was declined for the first charge. I did not notice that XXXX letter at the end of the email had been different and this was a phishing email. I proceeded to pay the phishing email through Wise.com on XXXX different occasions. This XXXX  was on XX/XX/2022 in the amount {$2700.00} for the booking. The XXXX was for a security deposit of {$1400.00} on XX/XX/2022. The XXXX was for monkeypox and covid testing for the amount of {$830.00} on XX/XX/2022. I found out that this was actually fraud when I landed in XXXX in later XXXX, went to the resort, and they explained that I had not yet paid. Luckily, I had the money, so I paid the resort and had a beautiful honeymoon. However, I was scammed and paid a total of {$5000.00} to a scammer in XXXX. I have email chains to prove what I went through, and I would be more than happy to forward these email chains on. When I tried to login in to Wise.com to report fraud, my account had been deactivated. When I tried to call to report the fraud, I was told that I would not be able to report the fraud unless I was able to provide my account number which I could not obtain due to my account be deactivated. When I submitted an appeal, Wise.com decided to keep my account closed. I recently reported the fraud to authorities at ReportFraud.ftc.gov.
Product: Student loan

I have a private student loan through Georgia Student Finance. On XX/XX/XXXX my loan was transferred to a collection company ( XXXX then to XXXX ). While with both companies I was in the loan rehab program paying {$300.00} per month for 11 months. In XXXX of XXXX, my file was suppose to transferred back to XXXX. When I called to get reinstated I was told that account went to another servicer and none of my payments were reflected. On XX/XX/XXXX I got a student loan interest statement stating I paid {$3400.00} in interest. The original balance of {$25000.00} is still being reported as delinquent and XXXX keep reporting to the credit bureaus monthly.
Product: Debt collection

Not familiar with this company. Never entered into an agreement with them. Violation of FDCPA, statute of limitations has passed, supervisor XXXX XXXX said this account is from 1988, I know nothing about this account. Access my non public personal information. Violation of the XXXX XXXX XXXX XXXX. Illegal attempts to collect a debt passed the statute of limitations.
Product: Credit card

I requested Capitol One to credit my account for XXXX dollars. I disputed acharge for a transaction submitted from XXXX XXXX XXXX on XXXX/XXXX/15. I didnot authorize this transaction. I demanded a copy of a receipt from DirectTax signed by me. Capitol One refused to provide it. I am seeking a fullcredit of XXXX. My card number is XXXX visa XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX  Balance : {$440.00} ; XXXX XXXX XXXX  Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXXXXXX Balance : {$2800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report, it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax XXXX XXXX and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  the payment I owed to  XXXX  of  XXXX  which was received 6 days late due to a problem that I was not aware of. I was out of Alaska, in  XXXX  and I did not receive any statement from  XXXX  with late dues.   When I came back which was in  XXXX   XXXX  I tried to explain to  XXXX  that I was out of the country, and was sure that the amount was paid.   They said that the 30 days in which I should have resolved the issue I did n't call ...  ..but  how could I be aware that the payment to  XXXX  of  XXXX  came 6 days was late?   I tried to resolve the issue with them, but there was absolutely no opening.   Nor there is any opening from their side right now.   They have sent this to Equifax which is creating a problem for me.   I would very kindly suggest that you mediate in this affair.   I do not owe anything to  XXXX , there are only charging interests.   Even though I tried to pay the interests for one month, for the delay ; they are not considering that either.   Thanks  XXXX   XXXX   XXXX  Account Number  XXXX
Product: Bank account or service

I had extremely filed extra charging complaint against Bank of America, so I do not appreciated that I had lost money cause of erosion funds what I used expenses.  I do not happy with Bank of America,  Bank of America made me lot of lost money XXXX that why they never refund money to XXXX so they are not honest as I am not interest in female staff handles this case.   

Bank of America used lot of denial my credit card application as they do not like me with my appearances, that I had been notified to Speaker XXXX completion..
Product: Debt collection

Dear Attorney XXXX XXXX I am providing you with dates and XXXX information for payments made to XXXX on my mortgage account. I cant understand why this is always an issue with XXXXXXXX XXXX reporting inaccurate information. XXXXXXXX XXXX is reporting Ive missed payments from XX/XX/XXXX to XX/XX/XXXX, and payments from XX/XX/XXXX to XX/XX/XXXX. I am providing documentation to dispute these allegations of missed payments and inaccurate payments made. 

XX/XX/XXXX XXXXXXXXXXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXXXXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXXXXXX XXXX $ {$900.00} XX/XX/XXXX XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$920.00} XX/XX/XXXX XXXX XXXX XXXX {$1000.00} Please see attachment for XXXX dates paid and XXXX conformation numbers. 

Thank you. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  the XXXX  major credit bureau received my Identity Theft notice sent for the following hard inquiries reporting on my report as on XX/XX/XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX of the major credit bureaus blocked and deleted the inquiries as required pursuant FCRA 605B. However, Equifax denied my request despite the applicable laws. I called Equifax XX/XX/XXXX in regards to why my Identity Theft notice was rejected and why the inquires were not blocked within 4 days which is required by law, despite having included my Identity Theft Report, the specific name and date of inquiries resulted from Identity Theft, proof of my identity, and a summary of FCRA 605B enclosed with my correspondence. After speaking with the supervisor and receiving no valid explanation as to why my notice was rejected, I was disconnected from the call XXXX I included the XXXX call audio, along with all written correspondence and supporting documents in the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX about EQUIFAX, INC.. XX/XX/2018 Filing a dispute had no not change nor been fix from Equifax I still cant login to do another dispute I sent documents after documents notary fax ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ;
Product: Money transfer, virtual currency, or money service

Dear PayPal, I am writing to submit a complaint regarding the permanent limitation of my PayPal account with the email address XXXX. I believe that this limitation has been placed by mistake and that I have not violated any of PayPal 's policies. 

Firstly, I would like to stress that I have always adhered to PayPal 's policies and regulations. Therefore, I am confident that no infringement has been committed on my part that justifies the limitation of my account. The sudden and unexpected limitation of my account has caused me significant inconvenience and financial losses. 

I respectfully request that you re-examine my case with a view to lifting the account limitation. I believe that there may have been a misunderstanding or miscommunication that led to the limitation of my account. As such, I would appreciate a thorough investigation of my account to ascertain that I have not violated any of PayPal 's policies. 

I would like to highlight that my PayPal account is essential for my daily transactions and online activities. The limitations on my account have caused me undue hardship and have severely affected my business operations. 

Therefore, I would like to kindly ask PayPal to reconsider and reinvestigate my case as soon as possible. I am hopeful that upon further review, you will find that the limitation placed on my account was unwarranted and that my account will be restored. 

Thank you for your time and understanding. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
Account are as follows : XXXX XXXXXXXX XXXX XXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Used XXXX through chase bank for rental purposes back in XXXX and they did not have the disclosure to make sure to send to the correct party and a 2nd payment had to be sent out
Product: Debt collection

The original debt of {$250.00} was through XXXX XXXX, which sent it to XXXX XXXX XXXX 's collection agency, I then paid it to them XX/XX/XXXX. Therefore the account was paid in full. 

Now, this collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX M-F XXXX CST Customer Support ( XXXX ) XXXX Has recently reported this account as delinquent to the credit bureau which causing my credit score to decrease by 32 points. I am in the process of trying to buy my home. 
I have contacted them by phone on XX/XX/XXXX, after noticing the change in my credit report. Also by e-mail on XX/XX/XXXX. XXXX, I sent them a copy of my receipt too. However, on XX/XX/XXXX, the collection agency flagged the account in the credit bureaus. Also, they started the account was open in XX/XX/XXXX. Which is false information being reported too.
Product: Credit card

Please note that I am not the consumer in this matter. I am the merchant filing again the credit card company for an unjust acceptance of a chargeback and allowing fraudulent information by the consumer, or creating a way to fraudulently allow the consumer to file the chargeback after XXXX, with no real reason. Leaving me no way to fight it properly. 
================================ I am filing this complaint to address the improper handling of a chargeback dispute involving both American Express and my payment processor XXXX. I believe their actions in this matter have been unjust, and are a violation to consumer rights. 

Date of Transaction : XX/XX/year> Date of Chargeback : XX/XX/year> Amount in Dispute : {$860.00} Service Provided : Marketing Services I provided online marketing services to the customer, as agreed in a signed contract. The customer 's satisfaction is documented in emails, with no complaints or disputes raised at the time. However, XX/XX/year>, the customer initiated a chargeback through American Express, alleging vague and unsubstantiated claims under the category " General, see additional notes. '' Issues with the Chargeback : Lack of Transparency : I was given no specific reason or supporting documentation for the chargeback, making it difficult for me to mount a proper defense. 

Untimely Filing : The chargeback was initiated 205 days after purchase, well beyond any reasonable dispute period. Both American Express and XXXX accepted the chargeback without questioning the delay. 

Potentially Fraudulent Actions by the Customer : The customer only sought to dispute the transaction after attempting to coerce me into providing additional services outside the scope of our original agreement, which I refused. 

Impact on My Business : The unjust acceptance of the chargeback without clear reasoning or due process has left me with no recourse, despite having fully rendered services and documented the customer 's satisfaction. 

I have attached all of our email correspondence for your review. Leaving nothing out. You will see timelines of requests ... excuses why it wasnt provided and satisfaction before canceling service. 

Desired Resolution : I am requesting a full refund, plus all fees assessed and compensation of my time during this fraudulent claim I am requesting an investigation into the practices of both XXXX and American Express regarding this chargeback. Specifically, a review of the procedures that allowed this chargeback to be accepted without proper reasoning or within the appropriate time window. 

I request the chargeback be reversed, my account restored and compensation for any financial damages incurred during this time.
Product: Student loan

I called Citizens One Bank on XX/XX/19 after receiving a letter stating I could refinance my student loans at a fixed rate of 3.45 %. In the past I had refinanced my wife 's student loan with Citizens One and wanted a better rate. I gave all of my information to the representative I spoke with ( both my wife and myself have little debt and high credit scores ). I was told the best rate I could get is 5.99 % on a 5 year term. I disconnected the call, but decided to call them pack and pursue a CFPB complaint for a " bait and switch '' scenario. With my financial information I provided there wasn't any reason why I should NOT qualify for their best advertised rate. I spoke with XXXX XXXX and began the conversation informing him that I needed some information for the CFPB complaint. He was very helpful and asked if he could help. We walked through the same numbers over the phone and I was suddenly able to get the fixed 3.45 % rate. XXXX was so helpful, that I decided to request to pull in the remaining balance from my student loan and consolidate it. XXXX set everything up and the loan was approved. I informed XXXX that both student loans were on auto-pay and they were getting paid in a couple of days. Upon reviewing the Loan Approval Letter, everything looked fine except for " Optional Service Charges '' may apply. Nobody at Citizens One can tell me what that means, and they've refused to remove it from the contract. I spoke with XXXX XXXX who was one of the representatives ( after escalation ) that couldn't answer me what " Optional Service Charges '' might apply to my account. Additionally, the loan amount is now going to overcharge both student loans - and I've been informed that overpayments get applied directly back to the outstanding new loan balance ( at date of disbursement and no monetary loss to me ). However, when I questioned why on paper do they have to show me borrowing more money than I'm asking for - they informed me it is because their application policy permits up to 60 days for people to accept their offer and must account for accrued interest in that timeframe. I suggested that the only loan outside of their control ( my XXXX loan ) has a 10 day early payoff amount that will not fluctuate, and a logical solution to this ( in an effort to report ACCURATE information to credit bureaus ) would be to provide me with a revised contract showing the ACTUAL payoff amount - and limit their contractual offer to 10 days. This would leave adequate time for their rescind window and payoff. This option was presented and the company is looking into it, however it appears doubtful the company will move forward with an offer of the ACTUAL amount to pay off/refinance both loans. I read this complaint on a recorded line on XX/XX/19 to XXXX for accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I rcvd an alert on my credit bureau. It showed Paramount Recovery System for XXXX not familiar at all. I called Paramount, spoke with XXXX. She said, it was a debt from XX/XX/XXXX with a local hospital. I told her, I needed something to verify this debt. She told me, it would be sent that day, to date. I have not received. This is something from 4 years ago.? I have never been contacted or sent any correspondence regarding EVER!! They haven't validated it, as requested. Contacted XXXX to dispute. It is still on my credit. I checked my XXXX today, the date this would be on my credit was changed to XXXX. Well pass the 7 years, from the original debt in question. How, would this be allowed on any credit report.? XXXX will not remove this account. How, they can validate a debt with these people, but I can't get a validation is ridiculous, XXXX, told me to file here, with consumerfinance. Paramount, seems to pull this all the time, according to the XXXX online complaint report
Product: Debt collection

XXXX : IQ Data International harassed my mother in law for my information XXXX : I contacted IQ Data International and the collector lied and said if I put a card on file it would buy me time to make the payment. I was never provided written information regarding this debt and was never informed about a dispute process. I did inform the agent I was unemployed at the time but was starting a new job in 2 weeks. 
XXXX : Called to set up payment for a week later than previous discussed and was told I could not due that after being told I could set up a different payment arrangement with my husband. Asked to cancel the payment and was denied. Asked to speak to the manager. XXXX, the manager, threatened to call my husbands employer and garnish all his wages. He used foul and threaten language when I attempted to schedule a full payment. Called me incompetent and hung up on me.