23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS TOMOCREDIT Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

These item was re inserted on My transunion consumer file please delete 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 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: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a debt in the amount of {$890.00} that is not mine. I've tried to get it removed numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I need the accounts corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account has late payments XXXX which is inaccurate as it does not show the account balance, payment date, and amount paid. The other payments that are correct do not reflect the amount paid month by month, this is inaccurate. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding delete late payments of the following account : XXXX XXXX Number XXXX
Product: Debt collection

Re : Request for Reinvestigation and Monetary Relief - LVNV FUNDING LLC To Whom It May Concern, I am writing to bring to your attention the continuous and blatant violations of my consumer rights by LVNV FUNDING LLC, and to request a thorough reinvestigation into their unlawful debt collection practices. The details of the violations are outlined below, supported by relevant federal law codes, UCC codes, universal law codes, and Mississippi law codes. 

Summary of Violations : Unauthorized Contact with Employer : On XXXX LVNV FUNDING LLC contacted my employer without my written or verbal consent, violating Title 15 U.S.C 1692c ( a ) ( 3 ).

Failure to Validate Alleged Debt : Despite my efforts to dispute the alleged debt, LVNV FUNDING LLC failed to provide validation and continued with garnishment proceedings, violating Title 15 U.S.C 1692g. 

Garnishment Without Validation : LVNV FUNDING LLC proceeded with garnishment, deducting {$300.00} from my employment wages without providing proof of a valid debt, a direct violation of Title 15 U.S.C 1692g ( c ).

Multiple Violations of Consumer Rights : Title 15 U.S.C 1692b - Unauthorized acquisition of location information.

Title 15 U.S.C 1692d - Harassment and abuse.

Title 15 U.S.C 1692e - False or misleading representations.

Title 15 U.S.C 1692f - Unfair practices.

Title 15 U.S.C 1692i - Legal actions by debt collectors, including improper court summons. 
Furnishing Deceptive Forms : LVNV FUNDING LLC violated Title 15 U.S.C 1692j by furnishing deceptive forms, including sending documents to an address that does not belong to me.

Civil Liability : Pursuant to Title 15 U.S.C 1692k, LVNV FUNDING LLC is civilly liable for violating my consumer rights. 

Pattern of Violations : LVNV FUNDING LLC has a known history of violating consumer rights, as evident in CFPB cases XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Request for Investigation and Relief : I request a comprehensive investigation into LVNV FUNDING LLC 's unlawful debt collection practices and immediate remedies for the following violations : Unauthorized contact with my employer. 
Failure to validate the alleged debt. 
Garnishment without proper validation. 
Multiple violations of consumer rights under various sections of Title 15 U.S.C.

Furnishing deceptive forms.

Civil liability for continuous violations and a known pattern of misconduct. 
Monetary Relief : I demand {$1000.00} in punitive damages, in addition to the {$300.00} wrongfully deducted from my wages, as LVNV FUNDING LLC 's actions have caused significant harm and distress. 

I appreciate your prompt attention to this matter and request a resolution that holds LVNV FUNDING LLC accountable for their unlawful actions and ensures the protection of my consumer rights. 

Sincerely,
Product: Debt collection

On XX/XX/XXXX around XXXX XXXX XXXX  a debt collector ( who did not identify himself ) came to my daughter house. This debt collector has never been to my home to attempt to collect this debt and clearly stated that he new this was a family members house and not my home. He aggressively and repeatedly asked my daughter to call us on the phone and stated she could hear everything! This man harrased my child and part of this is on her XXXX XXXX! I called m and t bank  with no resolve and the manager act as if this was not intentional and Inappropriate actions! I made the manager XXXX XXXX of M and T  bank fully aware I felt harassed and this guy was not a XXXX XXXX driver he was in a regular XXXX! And approaching my daughter home she was very scared and uncomfortable with the entire process! No resolve on there part!
Product: Money transfer, virtual currency, or money service

I am having an issue with the company Venmo releasing my funds on my account. For almost four ( 4 ) weeks, I have been attempting to get Venmo to correct a credit card issue with their system. I was able to accept credit card payments using their system. However, their system WILL NOT release the funds to me. I have alerted the company to the issue, yet, they have yet to correct it ; however, they refuse to correct it. I need to know when will the actions of this company be considered theft of funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX ... XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

During the month of XX/XX/2023 I received letters from XXXX XXXX XXXX that I owed them around {$930.00} for credit card debt. I asked them to validate the debt by requesting from them to send me information on the validity of the debt by providing me a contract between me and them with my signature on it that I owed them the money. They never sent me the contract. I requested it again and gave them the opportunity to Cure and they again never sent it to me and then they sued me. This is NOT right ; I was trying to work with them by asking them to send me a written contract that I owed them the money and they never sent me the contract and just neglected me and sued me and ruined my credit. This is unfair practices on their part in accordance with FDCP and not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions. Please help me with the unfair practices and tactics that XXXX XXXX XXXX is taking on me and ruining my life as well as my credit.
Product: Payday loan, title loan, personal loan, or advance loan

I signed up for a loan of {$700.00} on XXXX. I logged into the portal only to realize the Annual Percentage Rate is 546.47 %, for {$2000.00}. So I have to pay a total of {$2700.00}. This is outrageous and should be illegal. This company is scamming people.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX BANK XXXX CO ) XXXX Balance : {$2900.00} XXXX XXXX ( Original Creditor : XXXX XXXXBANK ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} SOC SEC ADMIN OFFICE XXXX XXXX : {$2600.00}
Product: Debt collection

I continue to receive collections for a debt I do not owe. I have had over 20 conversations with XXXX XXXX XXXX in regards to a XXXX account that I so now owe a balance. At the end of every call, XXXX XXXX XXXX agrees that I owe nothing. I still am receiving collections from them. 

The person at XXXX said they made a mistake and will withdraw the collections. They then sent me a refund for the account. They credit the account which caused the refund. 

I have been dealing with this for six months. On average I spend 3-5 hours on with them discussing this issue. I have done that over 20 times thus far
Product: Mortgage

my loan started out with Indy Mac 15 years ago. I missed a payment or two due to a layout. I was turned over to Ocwen and it has been a nightmare. Ocwen lies, misleads, does not document huge pay off, did not call to advise the payment was received. Sent a letter that had nothing to do with me or my money. The phone reps are not knowledgeable.Just a nightmare. I contunue to pay their required amount but Ocwen shows me 90 days late on payments. Ruining my credit, causing all my insurance rates to go up. Ocwen is a bunch of crooks, making money off honest people. I will surely lose my house if I have to continue to deal with Ocwen
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax are in violation of the FCRA for failing to respond to complaints regarding inaccuracies on my credit report. All three agencies have failed to complete an investigation into the accounts in question within the 30 days allotted as per the Fair Credit Reporting Agency Section 611 ( a ) ( 1 ) ( A ). Failure to respond satisfactorily within the 30 days of receipt of the letter mailed ( which I will attach ) may result in a small claims action against all 3 credit bureaus. According to various articles, these companies have been in violation of not responding to consumer complaints. The latest article I have read dates back to this year- XX/XX/2022. Equifax most often promised to open investigations of their disputes and send their findings to consumers at later dates. However, it failed to share the outcomes of its investigations with the CFPB. XXXX made similar promises and also often failed to meet its obligations to share investigation outcomes with the CFPB. In addition, XXXX often failed to provide a response in instances where it believed that third parties submitted the complaints, even though the CFPB says that consumers can authorize third-party representatives to submit complaints on their behalf. XXXX often took no action in instances where it believed that a third party submitted the complaint, although it did provide substantive responses to other complaints. All three bureaus relied heavily on automated templates to respond to complaints instead of providing a meaningful, personalized response to the consumer. That's despite having up to 60 calendar days to reply. According to the CFPB complaint database, there are more than XXXX complaints between the 3 credit bureaus within the last year regarding problems with credit reporting. The csv files of these findings will also be attached.
Product: Checking or savings account

I deposited a rent relief check in the amount of {$22000.00} into my friends account, and the bank put a hold on her account because of it. But the people who wrote the check said and also sent me proof that the check has been funded on XX/XX/XXXX of 2022. The bank has been holding my money since.
Product: Debt collection

I took a payloan check and became unemployed and lost all funds and my bank account was closed, I explain this to them and they would not accept payment arrangement, so they call me every day
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX  and Equifax about A account that was reporting on my credit file and the name of the company was XXXX XXXX XXXX ... XXXX XXXX keep on reporting a fraudulent account in my name without my consent Ive written them and the wrote me back saying theyve investigated which I believe to be false and determined that based on the information I provided matches the Id information they have on file ... Im now including all my proof of residence to protect my identity due to fraud.. I am very upset with the outcome of this investigation and hopefully get this matter handle.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

The following accounts has violated my rights : XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

My credit report is showing an amount of {$58.00} due to XXXX. It was reported on XXXX. I have spoken at length with XXXX, they have no records of any past due balance on my account. I have also contacted XXXX collection agencies associated with the account ( XXXX XXXX XXXX : XXXX and XXXX, and they, too, have no record at all of this amount due. The abbreviations/source listed afterwards are XXXX/XXXX/EF - I 'm not sure what that means but perhaps that will help. I 'm willing to pay the amount due if it can be confirmed I owe it, and I 'd like to have it removed from my credit report regardless.
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 XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been several inquieries and not authorized & a freeze is suppose to be on my report! 
Stop giving my information unless I concent!!
Product: Mortgage

I submitted documents to M and T Mortgage for a loan modification, as I had fell behind because of unexpected hardship expenses. Im not finally ok, she just want to get my mortgage back on track. 
About 10 days after I submitted the documents via the banks email system for modification applications, I called the bank to check on the status. I was informed by the agent that they do not see my documents. I assured the agent I emailed them 10 days prior and got confirmation of that. The agent then asked me how many pages I submitted, because he explained that if its more than 20 pages, theyd system will not transmit, and that it has to be 20 pages or less. I told him I submitted more than 20 pages, so it was decided I would resubmit the application in smaller amounts of pages. I did so, and they got them.

I made sure to point out that the bank can not penalize me for missing a 37 days guideline, cause its not my fault their system only transmits 20 pages at a time, and the bank never advised me of this, nor was the info on their site. The agent explained that the system failure would be taken into consideration. 
Now I realize it was not, because the sale date was supposed to be placed on hold and it was not, because they claimed I missed the 37 days deadline! Even though its not my fault! Now I have a sale date hanging over my head BECAUSE OF A SYSTEM FAILURE AT M AND T BANK!
Product: Debt collection

Thank you for the information you have sent thus far and I have an additional request. 
However, I do not understand why you withhold information that is readily at your hands. Nor do I understand why you " decline to produce any further documentation '' except through subpoena per your letter dated XXXX XXXX, XXXX XXXX  XXXX. Is there harm that can come upon Chase for supplying this information or do you not have the information to be used to my benefit? I believe everyone has the right to receive information to prove their truth. I have asked for the details of the fraudulent payments made in XXXX. The fraudulent payments were payments not made or authorized by me and subsequently " bounced '' with a fictitious account number. These included payments made XX/XX/XXXX of {$7000.00}, AND THEN THE FOLLOWING DAY XX/XX/XXXX another payment of {$2000.00} and then ALLOWING another payment MORE THAN ONE MONTH LATER on XX/XX/XXXX of {$10000.00}. AND purchases that month were {$10000.00}. A child could see that this was fraud. This is why I am requesting alll details for payments. 
In addition, may I have the transcripts for all conversations you have referenced in the letter.
Product: Debt collection

I confirm that I have received a written communication from you dated XX/XX/2018 wherein you make reference to the above captioned matter. 
It is apparent that you are acting on the presumption that some relationship that you may have with Caine & Weiner/XXXX XXXX XXXX, is in some way related to me. I am not a party to this implied relationship you have with Caine & Weiner/XXXX XXXX XXXX, either directly, indirectly or by means of any tacit consent. 
Accordingly, I do not understand how to respond to you since I am unaware of any contractual relationship between us. 
As a courtesy and because you may find it helpful, I have attached recent correspondence between myself and Caine & Weiner/XXXX XXXX XXXX, wherein I have repeatedly offered to settle the matter between myself and Caine & Weiner/XXXX XXXX XXXX. 

NOTIFICATION didn't disclose it was an attempt to collect a debt. 

Consumer didn't receive notice of right to dispute.
Product: Credit reporting or other personal consumer reports

There are multiple lines of credit open through XXXX XXXX XXXX XXXX that are close to {$15000.00}. There is also an open auto loan through the same credit union for about {$42000.00}. There is also a credit card through Chase bank that is open, a XXXX XXXX store credit card ( possibly the one through Chase ), and 2 other names besides mine on my credit report. None of these things are mine.