23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I hereby declare that I do not, and have never consented to any contract purportedly established between myself and LVNV FUNDING as there exists NO SIGNED CONTRACT BETWEEN XXXX IN ACCORDANCE WITH THE UNIFORM COMMERCIAL CODE ( UCC ) UCC 2-201. FORMAL REQUIREMENTS ; STATUTE OF FRAUDS! UCC 2-201. Formal Requirements ; Statute of Frauds : ( 1 ) Except as otherwise provided in this section a contract for the sale of goods for the price of {$500.00} or more is not enforceable by way of action or defense unless there is some writing sufficient to indicate that a contract for sale has been made between the parties and signed by the party against whom enforcement is sought or by his authorized agent or broker. As no such contract exists, between myself and LVNV FUNDING, I hereby assert that I am not bound by any purported contractual obligations! I hereby demand an immediate cessation of all collection activities, including reporting on my consumer credit report, related to any purported obligation with LVNV FUNDING. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Any further attempts to collect or report on this alleged debt will be considered a violation of federal law and will result in appropriate legal action. Moreover, I asked several times to provide a written contract between me and LVNV FUNDING but you have the company failed to produce the requested document. I have attached attached the debt validation letter I have sent around XXXX and and several dispute letters via certified mail. Account Name : LVNV FUNDING Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear XXXX XXXX I am writing to formally dispute a late payments reported on my credit file associated with my account number XXXX. I have identified several inaccuracies related to this account that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). According to these provisions, all information on my credit report must be accurate across all three credit reporting agencies. Since the reported information does not meet this standard, I request that the account be updated to reflect accurate information or, alternatively, that it be removed from my credit report. Additionally, I would like to point out that this account has already been removed from the XXXX credit agency by order of the CFPB ( Consumer Financial Protection Bureau ). I request that it also be deleted from the other credit bureaus. Moreover, you have violated 15 U.S. Code 1666b - Timing of Payments, as you never sent me a letter 21 days prior to reporting a late payment. By law, I am entitled to update or remove late payments or delete this account from my credit report. Despite my previous attempts to resolve this matter, your agency has continued to verify and update the account without correcting the inaccuracies. Therefore, I must inform you that if my request is not fulfilled within XXXX days, I will pursue legal action to seek damages of {$1000.00} for each inaccuracy reported on my credit file. Please treat this matter with urgency. I expect a prompt response confirming the deletion of this account from my credit report. Thank you for your immediate attention to this important matter. Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Following from previous complaint, I sent an affidavit of identity to verify my identity on XX/XX/XXXX. It is XX/XX/XXXX, almost 2 months since I sent the affidavit. I have called multiple times and each time a different representative tells me my affidavit has yet to be reviewed and that it would be reviewed that week. The affidavit has yet to be reviewed and Marcus by Goldman has yet to reach out. Again, I do not understand why Marcus by Goldman can withhold access to my not insignificant amount of funds ( XXXX ) without any repercussion. Without evidence to the contrary, customers are left wondering if this is a ploy for Marcus by Goldman to convert customer funds, or if it has insufficient liquidity as required by banking regulators. There is a clear systemic issue with the anti-fraud process that requires further examination and if necessary, legal action. I just want to get my money and close my accounts. This same complaint has been brought my countless other customers. Please assist.
Product: Bank account or service

My name is XXXX XXXX. I have been a customer of BBVA for many years. I have a consumer complaint against BBVA based on the following : I had an annuity with XXXX XXXX at Compass Bank since XX/XX/XXXX. It was giving me 5 % interest. 
The initial investment was {$150000.00}. By XX/XX/XXXX it grew to {$160000.00}. The financial advisor at Compass bank encouraged me to transfer that money to a better investment and it would double in value. I had expressed to him that I wanted to leave this money to my grown children. He said you can " pass the wealth '' without worrying about them paying taxes after you die. The transaction had to be done before my XXXX birthday otherwise I would not qualify to get it. My birthday was two weeks away. I felt pressured but try to comply. He said XXXX XXXX XXXX XXXX was best for me. I believe he used to work for that company before coming to Compass. It took one day to do the transfer. After two weeks, I received my portfolio on XXXX XXXX XXXX XXXX. The financial advisor gave it to me and asked if I had any questions. I told him I had to take it home and read it before I could ask questions. The new insurance has a 13 day period to decline otherwise the insurance kicks in. I did n't have enough time to go over the insurance and come to talk to him because he gave me the insurance a few days before the expiration period. Now I find out the state allows a 30 day period to accept or decline. 

This year, I get the form from XXXX indicating I owe the IRS {$4000.00} in taxes based on this transaction. How can I owe the IRS money I never spent. The check from XXXX went to my checking account. The financial advisor took that money to open the new investment. I never signed any check from XXXX. In addition, I found out that the surrender charge from XXXX was over {$9000.00}. Had I known this information, I never would have done this transaction. I feel violated. I am a XXXX citizen who has worked very hard for every penny I have. My husband is suffering from XXXX. The financial advisor failed to disclose to me the product he pushed to sell me. I was never made aware of the surrender charge or that the transaction would be a taxable event subject to IRS liability. 

This is a very serious matter and want the bank to return that money to me because the financial advisor was sloppy, not able to disclose, explain or show interest in what he was doing, otherwise, this never would have happened. XXXX abuse occurs every day and it must be looked at and corrected.
Product: Debt collection

I set up a verbal arrangement XXXX a month. At the end of each month. I call XXXX XXXX to make my payment by phone using my debt card. I started receiving call the first or second week in XXXX. I called back and this man answered XXXX XXXX. I answer yes, who am I speaking with. He gave me only his first name. I can give you to XXXX she is in. I asked where are you calling from. He would never answer just kept saying XXXX is in I am going to transfer the call. I hung up. Pendrick Capital Partners XXXX XXXX XXXX has been calling 2 to 3 times a day using different phone numbers most of them have been XXXX area code. That is this local area code. I have blocked there numbers. I have been thinking about offering a settlement. But when this started happening, it just burned me up. I do the right think and then you run into a very unprofessional and doing things illegal. I believe new partner company needs to go over the collection laws. 
Should you have any questions please feel free to call me XXXX cell Thank you, XXXX XXXX
Product: Credit reporting

i purchased my wife 's ring from XXXX on XX/XX/2011 the financing was done through westlake financial services and the billing was serviced through XXXX XXXX, the ring was paid off, the loan amount was {$5000.00} with financing and charges i paid a total of {$7200.00} if not more. westlake financial and XXXX XXXX both used my credit report to determine financing for this piece of jewelry, WESTLAKE FINANCIAL NEVER PUT THIS FINANCING ON MY CREDIT AND DUE TO THIS ERROR NOW MY CREDIT REPORT IS NOT REFLECTING THIS PURCHASE OR FINANCING WHICH IS MY RIGHT, WESTLAKE HAS BEEN UNTRUTHFUL ABOUT THIS AND HAS MADE CHANGES IN GOOD FAITH AND AS REQUIRED BY FDIC. THEREFORE WESTLAKE HAS VICTIMIZED ME AND MY FAMILY AND DECEIVED ME IN XX/XX/2011 WHEN I AGREED TO THE PURCHASE THEY WERE NOT HONEST ON THEIR PART AND REPORTED THIS FINANCING ON MY CREDIT REPORT, I NEED WESTLAKE FINANCIAL TO REPORT THIS FINANCING XXXX MAJOR CREDIT BUREAUS ASAP.
Product: Debt collection

A lady presenting her self as an attorney and or a paralegal in one message, her name is XXXX XXXX. She stated it is imperative that I contact her at once or she will be forced to pursue further action or contact my county for legal actions or arrest at work.
Product: Debt collection

Patient Account Bureau aka Hollis Cobb associates. 
The hospital sent my bill to this collector. I had set up a payment agreement with a third party. PAB took a payment of {$170.00} from my checking account ( which was agreed to prior to third party payment agreement ). 
I have tried unsuccessfully to have the {$170.00} refunded to me. Representatives of PAB agreed I was entitled to the refund and submitted a request of the refund 6 weeks ago. 
I have not received the refund and I am unable to speak to anyone at PAB that can assist me. A representative places me on hold to wait to speak to the person handling my account that is never able to speak to me. They take my name and phone number to call me back and I never receive a call back. 
Please help me in resolving this seemingly simple issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had late payments on some accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on my payments for the accounts that I have included screenshots inside this complaint in on dates XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshots attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies which are Transunion, XXXX, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, Transunion, & XXXX   XXXX. I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.
Product: Credit reporting or other personal consumer reports

Please note that XXXX XXXX XXXX have replied via the cfpb to furnish requested information but have not done so as of XX/XX/XXXX. Macys have also not furnish requested info as well. There has been multiple request from XX/XX/XXXX to this current date XX/XX/XXXX where I have informed the companies that the accounts was established with my information without my knowledge and should be treated as fraudulent. My most recent request was in XXXX of XXXX asking for application establishment and similar information regarding the formation of the application but the company has refused, by simply stating the account is verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts that appear in my report, are not mine, they were reported without any authorization, they are hurting me. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act bankruptcy account # XXXX and # XXXX has violated my rights. 

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. 

I did not give them written instruction.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, XXXX and TransUnion immediately! 

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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I made a purchase for {$3700.00} on XX/XX/XXXX. I expected to receive the goods purchased on XX/XX/XXXX. 

I did not receive the goods I purchased. 

I contacted the seller XX/XX/XXXX, XX/XX/XXXX, and XXXX with no response. 

I disputed the charge with XXXX on or before XX/XX/XXXX, approximately one month after I was to receive the merchandise. 

Fifth Third indicates I did not dispute the charge in time and owe the full amount. The credit card agreement is not clear to me regarding what timeline applies to this situation. I disputed the charge within approximately 30 days of not receiving the merchandise. 

Fifth Third did not communicate what actions, if any, they undertook to contact and/or try to recover amounts paid to the seller. 

This is the second time this year XXXX XXXX XXXX has adjudicated one of my disputes concluding I owe the amounts. I suspect XXXX is acting in bad faith, failing to adequately review and remedy disputes, rather simply concluding the amount is due. 

The other disputed transaction involved receiving merchandise completely different than what I purchased on or about XX/XX/XXXX. I provided clear evidence I did not receive the product I purchased. Not the same shape. Not the same manufacturer. The only similarly was color. This was abundantly clear from the evidence provided to XXXX. Astonishingly, I received a letter from XXXX concluding the purchase was valid and I owed the {$4000.00}. It was back on my credit card statement XX/XX/XXXX. I looked at the evidence upon which XXXX made their determination and pointed out that the seller clearly altered the invoice as it contained an XXXX date. XXXX replied we have not received any information that indicates that our determination was in error or that we should re-open our investigation. You would think pointing out that the seller fraudulently altered documentation, by providing my copy of the invoice which is clearly different, XXXX would have reached a different conclusion. But their goal isnt to carry out the inquiry in good faith, rather just get the customer to pay and move on. 

These two charges combined represent a significant sum for the average consumer. Nearly XXXX  XXXX. XXXX dispute team is not investigating these disputes in good faith and adjudicating them honestly. I would greatly appreciate the CFPB oversight to hold XXXX  accountable to conducting their credit card business in good faith.
Product: Mortgage

There are no good programs for VA loans. Im on a forbearance but Im not working. And instead of adding my missed payments to the end, they said it alll comes due at end of forbearance. And even if they divide that over 12 months I will not be able to catch up. My mortgage is XXXX a month. I havent paid since XXXX. That is about XXXX for 6 months. Even if I get a job and can make the regular mortgage payment how am I going to add an extra XXXX a month to my regular payment to catch up over 12 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX account was settled as a class action lawsuit. Which I was apart of and the account is still on my credit report. Which it should have been deleted. Not only because of the class action lawsuit but because its been over 7 years. This is a XXXX up I have sent supporting documents to all credit bureaus on XX/XX/2019 and this XXXX is still on my report I want it off ASAP.
Product: Credit reporting or other personal consumer reports

Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with Equifax. 

I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}.

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within XXXX business days of the written confirmation. 

Thanks in advance XXXX XXXX XXXX Date XX/XX/year>
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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the accounts below : XXXX. XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope the following disputed items will be repaired immediately : 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: Vehicle loan or lease

On XX/XX/XXXX, we moved to another state and submitted a request to transfer title. The DMV faxed Bridgecrest Acceptance Coprporation ( subsidiary of XXXX  ) a request for title transfer on XX/XX/XXXX. I have made several phone calls to this company ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX ) and received conflicting information regarding the title transfer. Several representatives advised that the title transfer process would take 7- 10 business days, and that the request was in process. This was a lie. As of XX/XX/XXXX, I was told the process would take an additional 8 weeks to make a state title transfer, which means that the state will not receive the title until XX/XX/XXXX. Without the appropriate license plate, I can not legally drive the vehicle for the next 2 months. The company consistently fails to acknowledge customer concerns, and makes it hard for the consumer to transfer their business to another company. 

Bridgecrest Acceptance company is a subsidiary of XXXX, and XXXX that was investigated and charged with fines in XXXX for poor business practice. Please investigate Bridgecrest. Please also see the numerous XXXX  XXXX  XXXX  complaints filed against this company regarding title transfers, pay offs, and potential insurance fraud ( regarding accident insurance claims ) XXXX  : XXXX or XXXX  search bridgecrest  complaints XXXX