23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This isn't a request for " verification '' or proof of my mailing address, but request for Validation made pursuant to the fair debt collection practice act 15 U.S.C. s 1692g. 
-Date of last activity -My full, complete and correct social security number that may help to identify me as the correct person. 
-Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
-The obligation between you and I that allows you too collect on the alleged debt and any transaction between your company that binds me to an agreement to pay your company any money that you claim I owe. 
-Letter of sale or assignment from the original creditor to your company. 
-Under FDCPA section 809 ( b ) you are not allowed to pursue collection activity until theses debts is validated. You should note this not a request for " partial '' validation but rather, a request for everything listed here in order to constitute full and sufficient validation of theses debts.
Product: Debt collection

XX/XX/2023 XXXX The debt collector called my mother in regards of a debt I owed from a victoria secret card. He said that if we didnt come up to an agreement that he would send an attorney over to my house. I told him that I didnt owe that money and that he could send an attorney over and he was shocked with my response. I hung up and looked at my emails and found this.
Product: Checking or savings account

On XX/XX/XXXX, LendingClub Bank, banking partner of XXXX XXXX, suspended my account, demanding an external investment account statement ( from an account that doesn't provide statements ), info regarding my recent debit card transactions, and a copy of my XXXX Tax return. The freeze caused two returned ach deposits at different institutions that were in transit to the account before the account was frozen, hurting my relationship ( and causing another freeze at a different bank, where I have to explain why the ACH was returned ). 

Paradoxically, the reason for the freeze and intrusive investigation is a result of LendingClub/XXXX " taking my security and privacy seriously. '' I can't reach them via phone as they're always " helping other customers '', and their email support is unresponsive, despite the 24 hour SLA. I reached out by email at XX/XX/XXXX XXXX XXXX XXXX, and I haven't heard back yet. I'm hoping that by filing this complaint, LendingClub/XXXX can institute an actual customer support channel, and in addition, will close my account+return my funds promptly to the address on file.
Product: Mortgage

Our mortgage service provider is Ditech ( formally Greentree ) and we fell behind on our mortgage and had to resort to a Chapter XXXX Bankruptcy filing in order to remain in our home. We then applied for a loan modification after reaching an agreement with the bank and the courts about our repayment program. During the loan modification request process Ditech continuously gave us the runaround by claiming we were missing documents, and then when we would send the missing the documents we were being told they had n't been received. Each time I would call and ask for a name so that I could call to follow up the fax I was making they would n't provide us with the persons name or position with the company. That led to me filing a complain against them with you - Case number : XXXX. We are now being retaliated against because of that complaint. We have been working with a non profit group out of XXXX XXXX called XXXX XXXX XXXX, and our contact is XXXX XXXX XXXX who can be reached at XXXX XXXX to verify what I am about to tell you. Ditech told us ( and XXXX ) back in early XXXX that our request for a modification had been approved, and that it had been sent to underwriting for the finishing touches. They also told us to hold off on our XXXX Mortgage payment because the new mortgage with the new dollar amount would take effect. Then they received notification of the complaint I made against them, and now they refuse to give us any type of answer XXXX way or the other. Each time we call we are told it 's in underwriting and no other information is available. It 's clear to me that this is retaliation and they have no interest in working with us. By telling us to hold off on our mortgage payment we are now in default with the Bankruptcy trustee and our Chapter XXXX plan is being dismissed by the courts which puts us right back into foreclosure. They lied to us and to our representative about our modification status and by instructing us to hold back on our mortgage payment have put us in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, My rights under the fair reporting act have been violated By Experian XXXX XXXX Bank and XXXX XXXX XXXX XXXX, i unsuccessfully disputed two accounts on Experian which are XXXX XXXX Bank and XXXX XXXX XXXX XXXX. XXXX  XXXX bank claims that i owe them {$870.00}. I requested an original contract between me and XXXX XXXX bank with my name, and signature on it by they failed to do so yet Experian still tells me that account came back as " Verified ''. I requested to know the method of their verification and they failed to send it to me. I spoke with Experian customer service on the phone on XX/XX/2019 at around XXXX and asked him the method of verification and he claimed that XXXX XXXX bank verified and i don't have a right to see the original contract and even thou they don't have it it still doesn't mean anything. I informed him that the phone call is being recorded and he agreed to that. I asked to speak to a supervisor and he refused to do so. his name was XXXX. I clearly told him that i want a real investigation not just repeat what XXXX  XXXX bank says. I finally came here to find a solution for this problem because i tried to fix it multiple times with experience yet they failed to so. The last letter was sent to them on XX/XX/2019 and i have the receipts. 

My problem with XXXX XXXX XXXX XXXX is even worse. My problem with them started almost two years ago when i was surprised by them after trying to finance a Vehicle and getting turned down because they claim that i owe them {$600.00}. I called them and asked them what is this for and they say it is a medical bill. I sent Experian three letters the last one was one XX/XX/2019 to verify and this contract and to show me what treatments i have received or where is the original contract that is signed by me but they failed to do so yet, they still tell me its verified. i want to know there method of verification and i also want a copy of the original contract as well as all of the treatment and services that they claim that i received from them. 

Please CFPB, Help me solve this issue as my rights have been violated and only you can make this Fair.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX I made purchases at Macy 's using XXXX XXXX XXXX XXXX XXXX XXXX credit card. On XX/XX/XXXX the statement cycle ended and my bill arrived, showing the items I purchased on XX/XX/XXXX and XX/XX/XXXX, there were no other charges or items purchased during that billing cycle, with a due date of XX/XX/XXXX. 
On XX/XX/XXXX I returned all items purchased and received full credit in the same amount as the ending balance on my billing statement. So in my opinion, I would not owe anything on XX/XX/XXXX payment date because the account would be at {$0.00} balance for whatever was owed in that billing cycle. 
I did make subsequent purchases after XX/XX/XXXX, but those would be on the next billing statement since XXXX 's billing statement had already closed several weeks earlier. One would not be expected to pay for the new items purchased until one received the next credit card billing statement. 
When I received my next billing statement, statement close date of XX/XX/XXXX with a payment due date of XX/XX/XXXX, I noticed I was charged a late fee for not making a payment by XX/XX/XXXX. What was I going to send them, a check for {$0.00}? How does one pay a {$0.00} balance? 
I called the credit card company that administers the Macys XXXX XXXX credit card and had a very difficult time getting the representative to understand what the problem was. I had to repeat myself and try to explain multiple times that they can not charge a late fee when the balance for that billing cycle was already at {$0.00}, prior to the due date of that billing cycle 's payment. I think the rep finally just gave up and said he would credit me back the late fee charge. I did get him to acknowledge that this was an error on the credit card company 's side, not my error.
Product: Mortgage

XXXX of LoanDepot called me XX/XX/XXXX about refinancing my house with a VA loan. I sent them all of the requested paperwork, plus they charged my Visa credit card {$200.00} for an appraisal. A few days later, his supervisor XXXX called and told me a few things that XXXX never told me. XXXX also told me that I am NOT exempt from the VA Funding Fee. I have been XXXX XXXX with the VA since XX/XX/XXXX. I called the VA and they told me that I AM exempt from the VA Funding Fee, and the VA told me not to do business with LoanDepot. Five days before the appraisal was to be done, I called the appraisal company and cancelled the appraisal, so the appraisal never took place. Since then, I have requested twice that LoanDepot refund me the {$200.00} I paid for the appraisal that had been cancelled. To this day, LoanDepot has refused to issue me a refund.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i two late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXXXXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Credit card or prepaid card

MY TD CREDIT CARD WAS HACKED. I CALLED TD AND THEY SAID THEY ARE SENDING ME TO DISPUTE AND WILL CANCEL THE CARD I WAS TOLD A NEW CARD WOULD BE SENT TO MY HOUSE BUT TWO DAYS LATER WHEN I CHECKED MY CARD I NOTICED MORE MONEY WAS TAKEN OUT. 
I CALLED TD ONCE AGAIN AND WAS TRETED DREADFULLY AND WHEN I WAS SENT TO FRAUD THE PERON IN THAT DEPARTMENT SAID MY GOODNESS YOU WERE HACKED WHILE THE CARD WAS IN TD 'S POSSESSION. IASKED THEM WHEN WOULD I GET MY MONEY THEY SAID IF ITS PROVEN A FRAUD THEN PERHAPS IM60 DAYS THEY WILL DECIDE TODAY I RECEIVED A LETTER FROM TD DENYING THE FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. The Credit Bureaus are required by federal law to respond within the statutory time limit, but they have yet to do so. Failure to comply with the request should result in the immediate correction of the items in question.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( XXXX ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XX/XX/year> {$0.00} owed By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under XXXX5 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

Transunion. Is report inaccurate balance of my credit card it is much lower than what is being reported and thus is hindering me getting an apartment.
Product: Credit reporting or other personal consumer reports

I was incapacitated, in the hospital for 2 months and I have a late payment reporting to the credit bureaus for 30 days for month XX/XX/2024. I got out of the hospital and made my payment by paying the balance off in full. I contacted XXXX  XXXX and asked for a One Time Customer Courtesy to remove the late payment reporting, I have never been late with them. Also a late fee was waived. They denied my request and I asked to submit another request with a supervisor on XX/XX/2024 and the supervisor told me that XXXX requests had been denied and they could not ask for another request. I decided to close my account.
Product: Debt collection

I, XXXX XXXX, a consumer, the company Hunter Warfield has invaded my individual privacy., I am refusing to pay the alleged debt. I do not have trilateral contract with Hunter Warfield with my signature to the such alleged debt. I also never gave my direct permission for this debt collector to contact or use my location information. This debt collector has contacted me multiple times which were all inconvenient times for me that has disturb and annoyed me because I was spending time with my family and at my place of employment. HunterWarfield contacted me by phone on XX/XX/2022, XX/XX/2022 and email on XX/XX/2022 without prior direct consent from myself.
Product: Debt collection

To whom this may concern, On XX/XX/2023 I received an email from an employee at Caine & Weiner notifying me of my debt with XXXX XXXX XXXX XXXX of XXXX dollars ( included in attachment ). As such I decided to settle my debt directly to XXXX on XX/XX/2023. On XX/XX/2023 I replied to Caine & Wainer 's email notifying the employee that I settled the debt directly with XXXX. 

On XX/XX/XXXX I received a letter in the mail from Cainer & Weiner written by another employee that I still owe XXXX dollars and that the creditor is XXXX XXXX XXXX XXXX ( included in the attachment ). 

I have notified XXXX 's XXXX branch Caine & Weiner just contacted me again. I also notified the two employees from Caine & Weiner that I settle the debt directly with XXXX ( included in the attachment ).
Product: Checking or savings account

XX/XX/year> and XX/XX/year> {$110.00} This bank pay XXXX places that was sent to my account and I didn't have enough money to cover this in my account. 
As a result, it put my account into negative and the bank call me twice stating this was a debt collector call and ask me when can I pay this. 
I am been harassed for the bank mistake by the bank.
Product: Mortgage

I started an application for a Reverse Mortgage with Reverse Mortgage Funding LLC, XXXX, NC XXXX in XX/XX/2021. The process went smoothly until it went to the underwriters. Title company asked for many unimportant documents which I did send. On XX/XX/2021 I did get a phone call from Mr. XXXX stating that their lawyer has indicated the loan should go forward. However, it did not. I sent RMF a letter on XX/XX/2021 to Mr. XXXX XXXX requesting an approval or denial in seven ( 7 ) days for my reverse mortgage loan. I have not received a response. 
To date I am unaware of the status of my reverse mortgage loan.
Product: Credit reporting or other personal consumer reports

LVNV Funding LLC has unlawfully and illegally reporting derogatory information on my credit report without proper authorization for {$750.00}. I have never authorized or signed any legal contracts or applications with debt agency, nor have I provided them with any other form of identification that would permit them to legally report this information. LVNV Funding LLC has failed to provide a copy of any wet signed applications, which raises concerns about the legitimacy of their actions. This is not a credit transaction with this third-party debt agency and I will also be filing other federal and state complaints against LVNV Funding LLC XXXX I need proof of my identity also. I have not given them the authority to access or report any information related to me pursuant to the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have two different credit inquiries one from XXXX XXXXXXXX XX/XX/year> the other XXXXXXXX XXXX  XXXX XXXX neither one of these are attached to any of my open accounts and are fraudulent I did not authorize these inquires I have reached out to both creditors and they have no record of them. Remove from TransUnion credit file
Product: Credit reporting or other personal consumer reports

My dispute is based on the grounds of negligence and non-compliance as prescribed under Section 1681 of the Fair Credit Reporting Act.Background : On XX/XX/year>, I encountered a incorrect eviction on my credit report that was a total of XXXX XXXX I filed a dispute and showed emails of the conversation i had with the person and it was still on my report and i have yet to get information about why or what they did on my part to help take it off. As a result of this incident, I havent been able to find a place to stay for me and my XXXX XXXX XXXX XXXX XXXX XXXX. I am United States Veteran and i didnt serve a country to get out and be homeless over failure to follow proper protocols and procedures.Negligence and Non-Compliance comes in when i request proof and evidence and its been almost a year of silence. Request for Resolution : To resolve this matter, I kindly request to please look into and take the eviction from my credit report. Veterans should be treated better than what this country is doing please. I believe this resolution is justified considering the circumstances and the impact on my low credit score now, failure to find a place to stay, and injustice .I look forward to your prompt attention to this matter and a response within 30 days. Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX  To whom it may concern : I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). 

You also violated 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts 1. ( XXXX XXXX  XXXX ACCT #  XXXX  ), Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ), and 15 USC 1681e ( b ) 2. ( XXXX  XXXX XXXX XXXX ACCT # XXXX  ) Delete this account immediately because of 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ), and 15 USC 1681e ( b ) 3. ( XXXX XXXX XXXX ACCT # XXXX  ), Delete this account immediately because of 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ), and 15 USC 1681e ( b ) Once you have deleted the accounts from my credit report, please send me a copy of my updated report. 
Thank you,
Product: Debt collection

The original collection agency was XXXX XXXX XXXX, Creditor was XXXX XXXX this was paid in full inXX/XX/2018 in XX/XX/2018 it looks like it was sold Phoenix Financial Services XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX. I have disputed this with credit agencies with no out come. I have even submitted a copy of the letter from XXXX XXXX XXXX showing it as paid in full. There are 2 amounts that phoenix is requesting payment for and they both for the same date but different amount. One amount is for {$610.00} and the other is {$910.00}. 

I would like this resolved asap.
Product: Checking or savings account

I was making a payment via XXXX from my checking account with US bank. For some reason an unknown persons number was on my list and I clicked that name by accident, but I did not complete transaction and tried to go back to correct it, instead XXXX, completed the transaction without my authorization and sent the money to an unknown person. I immediately called US bank and told a rep what had just happened. They said the money had already left my account, which made no sense bc I did not finish the transaction. They said I could open a claim and it would take 7 days to resolve. They reassured me it would be corrected. I waited a couple days til my XXXX XXXX went back down and called the bank again bc the money had still not been returned. They told me a completely different story this time but said the money would be back in my account by Monday. Monday came and still no money. I called again, this time they changed their story to the claim had been rejected and closed and there was not going to be any correction. I asked for the name of the person I spoke to earlier who said I would have the money back by Monday, because I know these calls are recorded and notes have to legally be made. I used to work in the banking compliance sector. They said they had no record of the calls. They kept changing the subject and making excuses and transferring me to other people and finally they just hung up on me. This is insane! I have never been treated so disrespectfully by this bank before and it was an error with their app. I never completed the transaction and it went to a recipient that should never have been in my list of recipients bc I didn't even know them. I am semi-retired and can not have the banks messing up my account and taking my money like this. They were unprofessional and unapologetic and had no desire to rectify this error that is clearly a glitch with their app.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, Alleging systemic issues as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequetely notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate and Inconsistent Reporting for XXXX XXXX XXXX Account Complaint Description : I am disputing the inaccurate and inconsistent reporting of my XXXX Student Loan account on my credit report. XXXX informed me in writing that they reduced the balance to {$0.00} and updated the account status to Paid in Full as part of their exit from the student loan business. They also stated they would notify the consumer reporting agencies. Despite this : 1. My credit report still lists repeated charge-offs from XX/XX/XXXX to XX/XX/XXXX, even though the debt was canceled, and I am set to receive a 1099-C for the forgiven balance. 
2. The account is not marked as Paid in Full as XXXX promised, which violates the terms communicated in their letter. 
3. The derogatory marks are causing undue harm to my credit score, as the debt has been forgiven and the balance is {$0.00}. 

This reporting contradicts the information provided by XXXX and violates the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and complete information is reported.