23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear CFPB, I am writing to file a complaint against LVNV Funding LLC for violations against rules set by the Consumer Financial Protection Bureau and the United States Code. 

On XX/XX/year>, LVNV Funding LLC placed a collection in the amount of {$8800.00} on my consumer credit report without first providing me with the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I have not been given the opportunity to dispute this account, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Furthermore, LVNV Funding LLC has no authority to furnish any account to consumer reporting agencies without providing all necessary disclosures required by law. Their actions clearly violate 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I have copies of my credit report and any other relevant documents to support my complaint. I request that the CFPB investigate this matter and take appropriate action against LVNV Funding LLC for violations of the FDCPA. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

{$210.00} was taken from my account for purchases I did not authorized I didnt realize my account funds were negative until I try to pay a bill and my card declined on XX/XX/2019 I called my bank to report and cancel card I filed a policereport and a identity theft complaint with the ftc I submitted my documents to American Express serve XXXX XXXX and they credited one charge for {$36.00} but denied any credit to my account with no explanation why when I call the fraud team the agent could not explain reason and transfer me to the regular customer service line that does not offer help with fraud I'm very frustrated I filed all legal documents and I'm denied my money back.
Product: Debt collection

Convergent outsourcing is reporting account on my credit that isnt mines. I have asked them to Vaildated account with my signture but failed to provide me with anything. This not my account.
Product: Credit reporting or other personal consumer reports

XXXX are violating my rights under the Fair Credit Reporting Act. intentionally, Under 15USC 1681 and 1681s-2 I am entitled to 100 % accurate credit report. I have disputed this account for the last five months. under the fair credit reporting act anything that is in accurate and complete unverifiable or incorrect Hass to be removed. Its already been five months and you are still reporting in accurate information. The date of last activity is an accurate the status is in accurate.

I want them to remove it immediately or I will pursue legal obligations, which consist of a fine of {$1000.00} per violation. Ive been dealing with this for the last five months, please remove immediately
Product: Mortgage

Hi CFPB, I'm still being illegally harassed, pursued on a debt I do not owe by Specialty Loan Servicing LLC and want it to stop! 

Per the company response XXXX, filed a Fraud report, which they are not accepting due to no signature by a police person. I noted that they said ( police department ) they don't sign the documents, they only put their badge number, which confirms they handled/accepted the report and can be contacted. They have file for Foreclosure on my property ( XX/XX/XXXX ) on a " fraudulent debt! '' Stop pursuing on this XXXX year old debt that I do not owe and now remove the Foreclosure Notice off my property that my family has lived in for 24 years.!! This should not be allowed to happen to anyone 's family. Specialized Loan Servicing is only doing this because they want my increased Equity that is in the property!!!! 

I have also included my Driver 's License. 

( Background ) I originally purchased this property ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, Ca ) in XX/XX/XXXX through my first lender XXXX XXXX in XX/XX/XXXX. My lender for this property in XXXX was with XXXX, where I " refinanced '' the property and pulled out some of the " equity only '', no second mortgage. I did not request or submit for a XXXX mortgage or have I had a second mortgage on this property since my original purchase. My loan has been sold to other lenders XXXX times since I have owned the property. In late XXXX & XX/XX/XXXX, " XXXX '' years later, I started receiving threatening notices of Default, Foreclosure and letters from realtors of selling my property! I contacted my current provider several times after receiving these notices as to why I was receiving the notices, ( who stated as I have known ), that my loan is current and there are no notices on my account for Default or Foreclosure and my payment history is very good and to disregard the notices. I actually have " excellent credit '' and don't want it ruined by this situation and to stop being harassed for money I don't owe! This situation is causing extreme stress with me and my family. Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 - Purchase from Farzey.com ( {$130.00} ) XX/XX/2020 - Requested Update regarding order. ( Site promise delivery within XXXX days ) XX/XX/2020 - Requested Refund from Vendor XX/XX/2020 - Filed complaint through PayPal requesting refund. 
XX/XX/2020 - PayPal stated resolution would be complete by XX/XX/2020 XX/XX/2020 PayPal extended resolution process to XX/XX/2020 XX/XX/2020 PayPal extended resolution process to XX/XX/2020 XX/XX/2020 PayPal extended resolution process to XX/XX/2020 This complaint is against PayPal who has violated my rights as a consumer. I have requested a refund for this purchased which provider has failed to deliver, going on four months. I understand XXXX is XXXX customer and they are trying to do all they can to help their customer ; but in doing so, they have violated my rights to cancel this purchase which vendor promised within 10-25 days. I understand packages have been delayed due to current  Covid-19 concerns. XXXX and PayPal needs to understand, that due to their failure not to meet what is listed on their website, I have purchased and received the same items from another vendor and again requesting a full refund. I dont need duplicates of the items they have been unable to deliver. Once a purchase is made, does a vendor have unlimited time to deliver the order or should the customer have the right to have a reasonable expectation of receiving the order? If the vendor is unable to deliver the item within a reasonable amount of time, does the customer have a right to cancel the purchase? PayPal has decided to fully support XXXX, and deny me any liberties regarding the vendor/ customer process post purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it my Concern, I was out of town last XX/XX/2018 and my daughter had been moving out of the house and into a condo with her boyfriend, she was picking up the last of her stuff over the weekend when she hit my rental that was parked in the driveway, she had done an address when she moved out weeks prior, but had not taken full effect, anyways her insurance did not pay for the damages on the rental, my insurance company, but there's still an outstanding bill of {$1500.00} and some, I refuse to pay because I did do the damages, she admitted to her insurance company that she did the damages but they won't pay, I ended up with the hit against me and my insurance cancelled me shortly after that and now it's on my credit report for not paying, why should I take the hit for one and 2 why should I have to pay it and why is the insurance company not taking responsibility and why is it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get resolution with TransUnion regarding accounts on my credit file. I am exhausted disputing XXXX XXXXXXXX XXXX XXXX and XXXX XXXX both collecting on the same debt on my Transunion file. I am aware of my rights according to FCRA and two collection agencies can not report on the same debt at the same time. Strangely enough I have requested debt validation but have received nothing. I have been disputing XXXX XXXX for so long, but never received in verifying from credit bureaus only an updated report verifying the item. I requested proof that I agreed to pay them any monies. I would love to see my contractual obligation to this company in which I have no business dealings ... Period! It 's really frustrating to be misrepresented by the credit bureaus for the debt they refuse to prove I owe. Transunion had had several glitch which remove and reinserted the items, but not once did they notify anytime after reinserted it onto my reports. That is also a violation of the laws put into place to protect me the consumer. I would like immediate removal of the items before I summon the ftc and consumer affairs. All these are clear violations according FCRA and FDCPA and I will enforce my rights including contacting my attorney general and Filing a BBB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing information found exclusively on my Factor Trust credit report. I received my credit report from Factor Trust and found several errors that are a result of identity theft. I have attached a copy of the dispute to this complaint.
Product: Debt collection

Harassing text messages and phone calls from a debt collector that I do not owe I get a text message from them everyday
Product: Debt collection

I have attached a letter to this debt collector, who has been contacting me frequently via my phone ( which I never provided or consented to this company ), regarding an alleged debt I am being advised that I owe. The harassment from this company has been alarming and has raised questions of aiding in harassment for possible securities fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I made a payment of over {$3000.00} to XXXX XXXX XXXX after being fired from my place of employment in XXXX of XXXX following an incident in which I was hurt on company property. I found new employment in XX/XX/XXXX and was able to combine funds from my new employment to make a size-able payment to XXXX to catch up on my car loan from the time I was unemployed. In XXXX of XXXX, I was laid off from my new job due to the Covid-19 pandemic and while I applied for unemployment, it took over 4 months for my application to be processed and I received a back payment in XXXX of XXXX. This was my first unemployment payment. In XXXX of XXXX, my XXXX XXXX XXXX was repossessed due to non-payment. I made all of my creditors aware of the fact that I had been laid off in XX/XX/XXXX, and all of them worked with me EXCEPT for XXXX XXXX XXXX. I was waiting to receive my unemployment to try and catch up on everything that had fallen behind, including my car loan. They repossessed my vehicle prior to my unemployment ever being received. I tried talking to them via telephone and they would not work with me. Additionally, they have since written my debt off as bad debt but continue to report a past due balance on my account which is a violation under the FCRA. I have made disputes both with XXXX and all 3 Credit reporting agencies, I entered these disputes on XX/XX/XXXX, it has now been nearly 60 days and I have yet to hear back from XXXX or the CRAs regarding this matter. I requested the account be removed off my credit and have yet to receive a response. Additionally, it has recently come to my knowledge that there was a bill presented in XXXX : XXXX XXXX XXXX in which it states that there is a restriction of the repossession of vehicles for certain persons suffering financial hardship as a result of the Covid-19 pandemic until the expiration of the restrictions on business, yet my vehicle was repossessed before the mandatory quarantine was ever lifted. Please help me remove this account from all three of my credit reports as it not only caused me great suffering in XXXX  of 2020 when it happened, but it is STILL impacting me today, as I am still unable to purchase a new vehicle due to the impact this has had on my credit and personal finances throughout the Covid-19 pandemic. 

Thank you.
Product: Debt collection

their was an issue with identity theft account with XXXX that had gotten turned over to a collection agency, were i had actually went online and did the payment. i was informed by XXXX to wait and do that payment, because if it 's identity theft i should not be responsible for it, and they were going to look into it.so i canceled the payment through my bank.rite after i did that the collection agency want to put this on my credit report when they were informed that this was a fraud account.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Today, XX/XX/2018, I received a notification that Caliber Home Loans would henceforth charge a {$3.00} fee for paying our mortgage online. Only if we authorize continuing automatic access to our checking account will that fee be waived. This policy is outrageous. I asked Custimer Service for the Caliber Corporate Offices number to complain about the policy but was refused that information. The corporate phone numbers appear to be nowhere on the web. 
Again, I am angered on several levels : I asked specifically for a XXXX XXXX for our new house because of online access. Secondly, this is s cheap attempt to force automatic payments and access to personal accounts. Three, this is UNFAIR to  veterans who count on access remotely during deployments.
Product: Debt collection

CKS PRIME INVESTMENTS ATTEMPTS TO COLLECT A DEBT. ( DEBT BUYER - NEW JERSEY } I HAVE SENT A WRITTEN REQUEST TO DEBT BUYER REQUESTING VALIDATION AND VERIFICATION OF THE ALLEGED DEBT.

NONE RECEIVED/NO RESPONSE.

ALLEGED DEBT HAS BEEN REPORTED TO XXXX XXXX XXXX XXXX
Product: Mortgage

I am responding to New American Funding and to XXXX XXXX XXXX, XXXX XXXX, Loan Administration. Unfortunately, New American Funding and XXXX XXXX claim is INCORRECT and the explanation provided has latent factors that are awry. Aforementioned in my original complaint filed on XX/XX/XXXX, aligns with the latest filing on XX/XX/XXXX. The request for PMI removal had required list of criteria that is outlined under the Homeowners Protection Act of XX/XX/XXXX. Those specific factors have been met and qualify for PMI removal. In addition, New American Funding requested a FORMAL WRITTEN REQUEST FOR PMI REMOVAL as I conterminously complied. However, New American Funding back trailed and asked to repeat considerations that had been acquired from the beginning. IN FACT, I have complied with those ALL steps for removing PMI. FIRST, XXXX XXXX failed to mention that during the process of New American Funding obtaining an Appraiser the Appraiser FAILED TO COMPLY with all property appraisal requirements and therefore, left out much preeminent factors to fairly appraise my property. FURTHERMORE, I find it peculiar that New American Funding chooses their own Appraiser and/or an Appraiser rather than selecting a third party that is conterminous with ALL PARTIES INVOLVED and remains a neutral disposition! Albeit, my property DID NOT HAVE A FAIR AND LEGAL ASSESSMENT as THEIR APPRAISER, New American Funding and XXXX XXXX FAILED TO RECOGNIZE the UPGRADES OF MY PROPERTY that would have CLEARLY met ALL REQUIREMENTS AT THE TIME. When I originally performed a public, market analysis of the property in XX/XX/XXXX, property value significantly increase to over 22 % and from XX/XX/XXXX. As the market value fluctuates, overall the home prices are increasing in valuation that impacts the specific criteria requirements. SECONDLY, in my original complaint with New American Funding I had proven that New American Funding had intentionally made delays for what appeared to be ulterior motives thereof. As with any considerations to PMI removal, the Homeowners Protection Act of XX/XX/XXXX recognizes fluctuations within the market in general. With that said, during the request for the removal of PMI and its process requires dedicated timelines outlined under the Homeowners Protection Act of XX/XX/XXXX. HENCE, from the beginning and as I ingeminate once again, in an effort to conterminously operate on a FAIR AND NEUTRAL ground, I am asking that I choose a third party to represent a choice in selection of a certified, licensed Property Appraiser to perform and conduct a fair assessment valuation for consideration of this matter thereof and, hereof! Since my request, it appears that New American Funding is failing to GRANT any parity and work together conterminously.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX OF XXXX, XXXX CARD was never late! I have had exceptional payment history with XXXX, XXXX XXXX, XXXX OF XXXX, XXXX CARD and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX, XXXX OF XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : No consumer 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 USC 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. 

Account Name : XXXX Account number XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX .... 


XXXX XXXX XXXX Account number XXXX .... 

XXXX XXXX XXXX  Account number XXXX .... 


XXXX XXXX  XXXX Account number XXXX .... 

XXXXXXXX XXXX XXXX Account number XXXX ... 

XXXX Account number XXXX .... 


Account name XXXX XXXX  Account number XXXX ... 

XXXX XXXX Account number XXXX .... 

XXXX Account number XXXX .... 

XXXXXXXX XXXX  Account number XXXX 

XXXX XXXX XXXX XXXXXXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with experian today and they told me that they dont need proof or my signature or any documents to report negative or any inaccuracies. Pursuant to 15 USC 1681 and Title 15 chapter 94 Experian, XXXX and XXXX are in violation of my rights and my privacy. I did not give any of these reporting agencies any permissions at all. I feel violated and stripped of my rights.
Product: Credit reporting 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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$680000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my XXXX XXXX online account was hacked and {$60000.00} was transferred to a Bank of America account. After receiving an email of the transfer I contacted the fraud department at XXXX XXXX after about 2 hours. XXXX requested a recall but Bank of America did not respond. I then signed a Hold Harmless agreement that was submitted to Bank America and did not get a response for several weeks until approximately {$10000.00} was returned to my account. No other money for information was shared by Bank of America.