23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : I am filing this complaint to formally address the unfair, deceptive, and predatory practices employed by LVNV Funding LLC in their attempts to collect a debt from me. Their behavior is in direct violation of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Details of the Complaint : 1. Misrepresentation of Debt : LVNV Funding LLC has repeatedly misrepresented the amount and legitimacy of the debt they claim I owe. I have requested documentation to verify this debt, yet LVNV Funding has either failed to provide adequate proof or completely ignored my requests.

2. Harassment : LVNV Funding has engaged in persistent harassment, including frequent phone calls and letters, despite my clear instructions to cease communication until they can validate the debt. This has caused significant emotional distress and is a blatant violation of my rights.

3. Reporting False Information to Credit Bureaus : Despite my disputes, LVNV Funding LLC has reported inaccurate information to the credit bureaus, damaging my credit score and causing undue financial harm. This act of reporting unverified and incorrect data is both illegal and unethical.

4. Failure to Comply with Verification Requests : As per the FDCPA, I have the right to request verification of any debt. LVNV Funding LLC has failed to provide the necessary documentation within the legally required timeframe, further proving their lack of integrity and accountability. 
5. Threatening Legal Action : Representatives from LVNV Funding LLC have threatened legal action without any intent to follow through, which is an intimidation tactic prohibited under federal law. These threats are not only baseless but are also a deliberate attempt to coerce payment under false pretenses. 

Resolution Sought : I demand that LVNV Funding LLC immediately : 1. Cease all collection efforts related to this disputed debt until they can provide full and legitimate verification.

2. Correct any and all inaccuracies reported to the credit bureaus, and provide written confirmation of these corrections. 
XXXX. Refrain from any further harassment or unlawful threats of legal action. 
4. Provide compensation for the undue stress and financial harm caused by their actions. 

Failure to comply with these demands will result in further legal action and escalation to other regulatory bodies. I trust that the Consumer Financial Protection Bureau will take this matter seriously and hold LVNV Funding LLC accountable for their blatant disregard of consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I received a message that my dispute was closed by XXXX XXXX XXXX XXXX to my claim first and foremost I have not received any authentication or what step the took for the investigation XXXX. No original validation from the original creditor or XXXX. According to U.S.C 1681 Section 602 ( A ) States I have a right to privacy. 1681 Section 604 ( A ) Section ( 2 ) it also states a consumer reporting agency can not furnish a account without my written instructions.also 1681 ( c ). ( A ) ( 5 ) states, no consumer reporting agency may make any report containing any of the following items of information any adverse items of information other than of convection of crimes which antedates the report by more than XXXX years. Also U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the reason knows or has reasonable cause to believe the information is inaccurate. Notice I have file a XXXX Financing Statement and addendum/ a Security Agreement, Power Attorney with the Secretary of State in ohio- XXXX with a Security Agreement with {>= $1,000,000} total of value collateral in security agreement is XXXX in place I'm preparing a lien on all three credit bureaus for all reporting violations and each violation is XXXX in federal reserve notes or gold or silver coins this is a notice by law you Have XXXX business days to delete all items off my credit report and send me the investigation process and the original contacts from the lenders loan officer of this debt.
Product: Mortgage

On XX/XX/2021, I filled out information on XXXX XXXX XXXX XXXX XXXX as I was interested in getting rates from different companies for a home refinance. 

One of the companies I was connected with was AmeriSave Mortgage Corporation. XXXX XXXX, Loan Originator NMLS ID # XXXX called me ( I actually was called by a XXXX, who confirmed I was interested in mortgage information, who then transferred me to XXXX XXXX to go over interest rates and options on a mortgage refinance. 

XXXX XXXX XXXX asked me what I thought were standard questions which would gather information related to a refinance. At no time did XXXX XXXX XXXX ask my permission to run my credit. At no time did XXXX XXXX XXXX indicate he was creating a loan application for me. After we had discussed different loan products and interest rates, I asked XXXX XXXX XXXX if he could send me the information on the loans we discussed. He said that I just needed to log into the website as all the information would be there. He directed me to Amerisave.com, instructed me over the phone to create a password. Once I did so, thinking it was merely to view the projections we discussed, I was prompted to accept the " Electronic Consent. ''  It was at this time I began to question XXXX XXXX XXXX because according to what I was reading, it appeared I had already applied for a loan. This was not the case at all. XXXX XXXX XXXX  assured me several times that I needed to " accept '' these terms just to view the projections. When I continued to question him and said that the terms gave me the impression that I had already applied for the loan, he became frustrated with me and said something along the lines of clearly, I didn't know how refinancing a loan worked and that " any time you talk to a loan officer you are applying for a loan. '' I told XXXX XXXX XXXX  that I did not feel comfortable proceeding and attempted to politely end the call. He tried to keep me on the line and push me to continue at which time I told him I felt like he was pushy and misleading and that I was done dealing with him. I thanked him for his time and ended the call. 

Now I have emails and an account which indeed confirm that a loan was applied for without my consent. I just do not want this to happen with any other consumers who may not be versed in the process of refinancing a mortgage loan. I would like to see that XXXX XXXX XXXX not engage in this behavior with any other customers. I can only imagine how many people he has fast talked his way through this with. I was advised the call was recorded, so AmeriSave should have a record of the conversation.
Product: Checking or savings account

On XXXX, I noticed XXXX unauthorized charges on my account. I informed Robinhood on this and filed a complaint. Robinhood restricted my account and put me In line for a call back. Today is XXXX, I still havent received a call back and can not access any of the money in my accounts. The XXXX customer service number is a recording and no help. No chatbot or email to contact to help rectify the situation. I can not access any of my accounts to pay bills or transfer the funds. Not sure what to do. Its been 5 business days and no response from Robinhood.
Product: Credit reporting or other personal consumer reports

I had a Federal Perkins Loan while attending XXXXXXXX XXXX XXXX 

I became XXXX with life-ending conditions. I submitted a Total and Permanent Discharge to XXXX which was approved on XX/XX/2023. 

XXXX sent notification to XXXXXXXX XXXX XXXX, for they and XXXX XXXX XXXX were handling the Federal Perkins Loan. 

XXXX and XXXX received notice from XXXX on XX/XX/2023 notifying them that a TPD discharge of federal loans had been approved and to 1. Discharge the Debt on their end or 2. Return the loan to XXXX and they would discharge it themselves. 

Because of various complications, this item has been appearing/disappearing from my credit reports for 6 months, and every time it reports my credit score plummets. Sometimes it shows the account open, sometimes closed, other times with many, many negative/derogatory marks, sometimes in deferment ( which it isnt ), its discharged. 


As of today, XX/XX/XXXX, I was notified by the CRA that I had a series of seriously delinquent late payments on my report.

I have 5x120 day lates, multiple 30, 60, 90 day lates as well.

Ive tried taking care of this matter but it seems futile. 

My health is extremely poor, and I have XXXX XXXXXXXX including an aneurysm which will at some point end my life suddenly.

Im not asking for sympathy, but perhaps some empathy. My credit reports and scores are the first thing Ive been waking up to everyday, and its the worst feeling ever.
Product: Money transfer, virtual currency, or money service

ZELLE USED BY FRAUDSTERS On XXXX XXXX I sent {$520.00} to On ZELLE to reserve a room to XXXX On XXXX XXXX I sent the balance of {$520.00} to XXXX I was scammed by someone renting a room that did not belong to him. I arrived and the real owner proved that I was a victim of fraud. 

ZELLE and XXXX are complicit with the fraudsters because they refuse to reverse the payments
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXX ON 5 OCCASIONS TO CORRECT THESE PROBLEMS WITH NO SUCCESS. I DO NOT RECOGNIZE ANY OF THESE AGENTS AND COMPANIES WHO HAVE APPEARED ON MY CREDIT REPORT. XXXX XXXX : Total amount {$500.00} XX/XX/2024, and {$140.00} on XX/XX/2024.

And Midland Credit Management : Total amount {$550.00} on XX/XX/2024.
Product: Checking or savings account

On XX/XX/XXXX via the credit unions website I applied and received and acknowledgment as to receipt of my application for checking & savings account. a few minutes later I received a notification that my account services had been opened. I would receive my welcome package in 7-10 days. I was also told that my debit visa card was unable to be processed for the initial deposit. I reached out to my other bank and there was sufficient funds and not issue with the card itself. I called navy f.c.u. to have the card processed again to be told that my account was now under review without any further explanation. On XX/XX/XXXX I called to follow up regarding the status of my account and after 20-30 minutes of being told let me check the status of your application, to let me speak to the review department, to let me speak with the back office, team membership specialist : XXXX XXXX I was now being told that I had to submit via fax a copy of my government issued identification along with a current bill showing the mailing address. A financial institution that isn't honest a forthcoming with the truth as to why they are selectively discriminating against the opening of my account. What algorithm of database are they using which probably contains false, erroneous information to justify discriminating against individuals. I asked the customer service rep. I spoke to that I wanted there request be sent to me in writing and they said they would not do that which makes me SUSPICIOUS of the tactics of NAVY FEDERAL CREDIT UNION!
Product: Debt collection

IC systems which is a debt Collector for XXXX XXXX XXXX XXXX is saying that I opened an account in XXXX. I have not had XXXX since XXXX. The account went into collections in XXXX. They are trying to say I had a XXXX account in XXXX which is false. In the account for {$510.00} went to collections in XXXX, Then it has been over seven years and it should be removed from my credit. I do not keep documentation that its over nine years old. They refused to provide documentation stating that I opened an account in XXXX, because they know its not true. They have no such paperwork in my name because I have not had an account with them since XXXX. This needs to be removed from my account immediately.
Product: Debt collection

I am a person with a XXXX as defined under the Americans and Disabilities Act and the Fair Housing Act. My reasonable accommodation request is that XXXX XXXX  remove a disputed and erroneous account in my name from collections and eliminate the balance and remove all credit bureau reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone comprised my personal information in XXXX and opened a XXXX XXXXXXXX credit card. At the time I was ignorant about credit so I didn't really monitor my credit score. The imposer ran up a balance. The account hit collections I started receiving letters in the mail and that is what caught my attention. Since XXXX of XXXX I have been sending dispute letters through the mail. I sent an identity theft affidavit, filed an Federal Trade Commission ( FTC ) report and the account keep coming back verified. On XX/XX/XXXX I called XXXX XXXXXXXX and they could not verify me from my date of birth or my residency and confirmed to me that the account was abnormal and was most likely fraud. They then told me I would have to call the credit bureaus so they could handle it. I am tired of them make me go in circles. This situation is really affecting my life. According to 15 USC 1681a ( k ) ( iii ) adverse action that doesn't benefit you should not be on your consumer report.
Product: Credit reporting, credit repair services, 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 transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Product: Credit reporting or other personal consumer reports

Inquiries on credit report that I am unaware of or did not approve. I submitted my report Identitytheft.gov.
Product: Credit reporting or other personal consumer reports

ACCORDING To Fair Credit Act Section 601 Say You Have The Right To Dispute Any Inaccurate Information From Your Credit Report on XX/XX/year> A Debt Validation Was Send Here Is The Tracking # XXXX Pursuant to 18USC8, I Owe no debt this company is violating my consumer right to privacy pursuant 15USC 1681b They also have no permissions to report ANYTHING using My Information Pursuant to 15USC 1681
Product: Credit reporting or other personal consumer reports

I pleaded with Transunion and XXXX to correct a dispute and I also address that there were two different Open dates and send me an updated report in XXXX days. The Time now is way pass the XXXX days by a few weeks and they failed to respond!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX  XXXX Account Number : XXXX Bal. {$0.00} Account Name : XXXX XXXX Account Number : XXXX Bal. {$0.00} Account Name : XXXX  XXXX XXXX Account Number : XXXX Bal. {$0.00} Account Name : XXXX  Account Number : XXXX Bal. {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Bal. {$0.00} Account Name : XXXX XXXX  Date of XXXX : XX/XX/XXXX Account Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account Name : XXXX  Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act U S Dept of EDXXXX Account XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I disputed the following information with XXXX, Equifax, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, XXXX, & Equifax are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
XXXX Negative Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax  Negative Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/year> I had my phone stolen. I had no passcode to enter my phone so they had easy accessibility to it. They somehow got into my XXXX and transferred {$5300.00} of my hard working money to a recipient Ive done business with in the past. Whoever broke into my car and stole my phone must have been linked to the recipient that received the money. I tried reaching out but I dont know his number since it was on my phone and he lives out of state so I cant even go to him. So I immediately reported it to my bank ( Chase Bank ) they opened up a claim and made me wait 10 business days and never gave me a credit. After the 10 days they said they denied it because the transaction was from the same phone all the other transactions were from in the past and I said of course, they stole my phone! They asked for proof it was stolen, so I went ahead and got a police report stating it. I sent it over, they looked it over and still denied it. Losing that money has caused severe hardship to where I almost got XXXX from my apartment because of the amount of money I loss. Its very hard to live life normally when they took almost all my money and the bank just not helping at all.
Product: Credit reporting or other personal consumer reports

Dear Equifax, You have willfully and negligently failed to comply with the FCRA requirements. Please see the attached dispute notice, along with a copy of my recent consumer report. The report includes the disputed inquiries and the inaccurate, incomplete, or unverifiable information that appears on my Equifax report, which I have highlighted/circled for your reference. 

Thank you for your prompt attention to this matter. 

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

I am reporting unauthorized hard inquiries on my credit report, a violation of 15 USC 16c-2. These errors are detrimental to my credit and require immediate removal.
Product: Credit reporting or other personal consumer reports

I received a notification today from XXXX that my XXXX XXXX account ending in XXXX is delinquent, previously charge off even though monthly payments were made. This information is inaccurate as proof will indicate. 
As 15 U.S. Code 1681, Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2014 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$18000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX GA ) XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX INT ( Original Creditor : XXXX GRANDOASIS GA ) XXXX Balance : {$11000.00}.
Product: Consumer Loan

My car payment is 13 days late. I understand this is not " acceptable '' but I have never fully missed a payment and have paid over XXXX on a XXXX loan. XXXX XXXX, from Coastal Credit has the audacity to stalk me on my XXXX and has also contacted friends off of my XXXX that are not listed as references on my account and have no relation to me. I find this completely to be an invasion of privacy. I am filing this report in hopes of putting a stop to the harassment. When I called him to confront him of his actions he was rude and ignorant. The call was on a recorded line and although I lost my " cool '' after being verbally abused, his actions as a man of business are unjust and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to remove these inquiries and this fraudulent account for the last 4 months and it has stopped me from being able to get new accounts due to these fraudulent information. I would really appreciate if you can remove and block this information from my credit report and send me a copy of my credit report showing the removals. I need peace of mind at this point this has been going on for way too long.