23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV Funding LLC and for committing identity theft. I have never given LVNV Funding LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation therefor LVNV Funding LLC committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If LVNV Funding LLC can not provide me with proof such as a signed agreement between me and LVNV Funding LLC giving them permission to work with me regarding any debt they believe that I owe or tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LVNV Funding LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding LLC continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Debt collection

I C System at XXXX XXXX  XXXX XXXX , XXXX XXXX, MN XXXX has been sending me collection notices about {$640.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Mortgage

At the beginning of XX/XX/XXXX I received my statement and notice that a home owners insurance payment was made to a company I was not familiar with. On XXXX I spoke with representative XXXX he did not provide me what I wanted so I requested the supervisor, he said one would call me back. I received a call back there was a voicemail message but no name of the supervisor and the call back number was automated. I called back XXXX spoke with representative who stated a supervisor would call me back i a couple days. I never received a call back. I wrote XXXX ( the money source ) an email regarding the payment to the company. During my original conversation with XXXX XXXX was discovered that XXXX did not pay my XXXX insurance and decided to pay it about a year later and they did not notify my had no insurance. I requested the monies be returned to my escrow account as my insurance company that I always use, does not go retro. To no avail were they willing to refund my account but did send me information that my mortgage would be going up and I know it was due to them paying the money to the insurance company which made the escrow account short. In beginning XXXX I mailed a letter to their escalation department received a call with no resolution. I have received notification about my XXXX insurance not having it but did not receive notification of XXXX. I am requesting a refund of the {$1700.00} that was deducted from my escrow account due to their oversight of not informing me nor paying the insurance which is their responsibility due to the contract.
Product: Checking or savings account

My federal tax refund is being held by my bank, US Bank, for 10 days. 

I deposited the check via the mobile banking app. I regularly deposit via the mobile banking app and almost never have a check held, My question is where is the money right now? Does US Bank have the money? More importantly, is US Bank investing my money for their gain? How can I find out where the money is during this 10 day hold period? 

Something feels off about this. 

Thank you, XXXX
Product: Vehicle loan or lease

***Name is XXXX XXXX XXXX not XXXX XXXX XXXX as stated. Unable to correct it. 


XX/XX/XXXX Bought Car. Financed loan through Huntington Bank. Loan number XXXX. 
Bank Address : Huntington Bank, XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XX/XX/XXXX Sent Payoff Check to Huntington Bank XX/XX/XXXX Huntington Bank cashed payoff check XX/XX/XXXX Huntington Bank sent letter stating payoff verification and stated lien release would be sent within seven days. 
XX/XX/XXXX Huntington Bank sent refund for loan payoff overpayment. 
XX/XX/XXXX Called Huntington Bank Customer Service Call Center requesting status job lien release letter. They stated it would be mailed seven to ten business days. 
XX/XX/XXXX Again Called Customer Service Center. Again they stated it would be sent out seven to ten business days XX/XX/XXXX Went to huntington.Com Customer Service website and left a message asking why lien release letter had not been sent out. 
XX/XX/XXXX Received call from XXXX XXXX ( XXXX ). Told her about no lien release letter issue. XXXX XXXX stated she would order a new lien release letter to be sent. Verified my address with her. 
XX/XX/XXXX Again talked to XXXX XXXX about status of lien release letter. Was told it was sent out on XX/XX/XXXX. 
XX/XX/XXXX Again talked to XXXX XXXX. She again stated it was sent out on XX/XX/XXXX. 
XX/XX/XXXX Submitted a complaint about the issue with the Ohio Department of Commerce Financial Institution Website. No Response.
Product: Money transfer, virtual currency, or money service

It was a classic bad check scam. I received and cashed a bad check from XXXX XXXX in my local Chase bank for {$3800.00} on XXXX XX/XX/2019, and was asked to transfer {$2000.00} of the check to someone else. I made the transfer on XXXX XX/XX/2019 via XXXX. The check bounced, and I lost my {$2000.00}. I filed a police report with the XXXX XXXX Police Department and reported the incident to Chase as well. However, Chase was unable to do anything about the XXXX transaction despite XXXX being a product produced by a consortium of banks, including Chase.
Product: Checking or savings account

XXXX But XXXX XXXX are not my cousin 's and somebody rewrite it all devices compromised even landline if I had one internet and cable XXXX XXXX XXXX XXXX since born and military redux pay all missing someone else is getting or trying to get it and pay from the government XXXX XXXX wrote in to the FBI too and CIA secret service and civil service and more about me
Product: Debt collection

I hav been harassed by this company trying to collect a debt that doesnt belong to me. 

I asked for information and the last name on collection is not even correct but they still put on my credit report. 

I believe this is a 3rd party agency. Who prey on consumers such as myself. I wish I had more information to help but unfortunately I just am not aware of this account.

It has drastically affected my credit as well
Product: Debt collection

Portfolio Recovery Associates , LLC has violated my rights and continuely try to collect debt that I don't owe.

15 USC 1692c ( a ) states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may NOT communicate with a consumer in connection with collection of any debt.

15 USC 1692 b ( 4 ) states, NOT communicate by post card 15 USC 1692b ( 2 ) NOT state that such consumer owes any debt 15 USC 1692b ( 5 ) NOT use any language or symbol on any envelope or in the context of any communication effected by the mail or telegrams that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting Act this creditor has violated my rights under 15-USC 1681 sec 602 States I have the rights to privacy.

15-USC 1681 sec 604-A section 2 it also states consumer reporting agency can not furnish an account without my written instructions.

15-USC 1666B A creditor may not treat a payment on credit card Account under and open an consumer plan late for any reasons. 


accounts both are from Comenity bank and both accounts are at XXXX balance. 

Victoria Secret/comenity Bank reprorted late payment for XX/XX/XXXX on XX/XX/XXXX and I've paid account in full, they reported me to credit bureaus, without my permission. I've called the XXXX spoke to a representative which she guided me to Comenity credit bureau which I sent out for a dispute, where they say nothing is guarantee. 

XXXX XXXX/Comenity Bank reported my account late on XX/XX/XXXX as well to XXXX, XXXX, XXXX without my consent as well. no update on account as well account still shows as late payment. 

These items are affecting my credit score, which makes it hard for me to purchase a home. 


thanks for taking the time to review my issues.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed several unauthorized inquiries indicating possible fraud. Despite my repeated efforts, I have been unable to get these inquiries removed. Please find attached my FTC Identity Theft report and dispute letter for your reference and further action.
Product: Payday loan, title loan, personal loan, or advance loan

OneMain financial was adding products onto your loan when you didnt request it insurance all this extra stuff that did not request. Any interest just kept going up and down all over the
Product: Credit card or prepaid card

Affirm company has been dishonest and very misleading in their advertisement. I was told that I was pre-approved for {$2000.00} for a XXXX XXXX purchase with zero interest rate. The payments would be {$660.00} for six months. I took it but when I made my purchase it was just for {$660.00} because the item was on sale for 50 % less. 

Affirm is claiming that because the loan was approved for {$2000.00} that I must pay {$330.00} on XX/XX/XXXX even though the purchase was done later but the claim that's because the approval was done on that date. And then pay another {$330.00} in XXXX. 

That is not right. If my purchase is {$660.00} then my payment should be split into 6 parts as they were doing with the {$2000.00}. 

Their advertisement is quite confusing and misleading. If I will pay no interest and did not use the entire amount approved then I must only pay the amount used in installment not the amount approved. 

When I spoke with customer service they told me there is nothing they can do that is how the system generates the payment and they can not change it. 

They are truly misleading and disingenuous.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX-RISK RETAIL- XXXX Inquired on XX/XX/2020, XXXX XXXX XXXX Inquired on XX/XX/2020, CREDIT PLUS Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Student loan

My student loan IBR wasn't processed initially. I resubmitted it and called to put my loan in forbearance prior to the first due date which was XX/XX/XXXX. I was told it was in forbearance. My IBR was then processed. I was billed my payment prior to the IBR being processed and the IBR amount, so double billed for XXXX. I called back and was told my forbearance was improperly processed but that I should pay my IBR payment while it was fixed and the initial payment amount dropped. I paid my IBR payment and was assured the amount would be applied to my IBR payment amount. I now show that I made a partial payment on the non-IBR payment and that I haven't paid on my IBR payment. I've spend well over 10 hours on hold with MOHELA and still don't have resolution. I'm a teacher and can't just call during the day and their hours make it nearly impossible to get through to anyone and they have no functioning none phone call system. I just need them to drop the first- incorrect payment- and credit my actual payment or to have a functioning communication system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately. 

Please remove all negative accounts and the bankruptcies off of your report.
Product: Money transfers

As an ebay XXXX, I have been dealing with receiving payment from PayPal for about 20 years. The money was always available the same day the customer placed the order and paid wih their PayPal account. Suddenly recently they are ho, lding my payment for from 7 business days to 2 weeks. This does not seem to reflect appropriate fiduciary responsibility to me. Can they hang on to my money for 2 weeks legally?
Product: Credit reporting, credit repair services, or other personal consumer reports

i wrote the bureaus, transunion being the worst, telling them the accounts showing were not mine, this started, in XXXX, 2021. So what transunion and XXXX did, they are now reporting, the same account that is not mine, TWICE, i am uploading documments. A year out of my life, time and energy, i '' ll never get back, and this items are still on my report, and ruining my good credit standard in this competitive world. I don't understand how a XXXX XXXX  '', corporation, can do things that hurt, harm, american citizens lives, i am a single MOM, struggling through life, and having to fight giant mutiibillion dollar, credit bureaus companies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting that I was late on my payments for 60-90 days but I have proof payment was made in advance for the months they are claiming, payment was not received. I contacted them over the phone and they informed me they can not do anything about it or make changes since it is already being reported. 

I have written to XXXX, XXXX and Transunion, for the past seven ( 7 ) months, regarding the inaccurate information they are reporting on behalf of XXXX XXXX about my payment history. The three bureaus are reporting my payment history as Current, was past due 60 days OR Paid or paying as agreed but reflects the inaccurate missing payments, still, under section two-years payment history. 

I have sent out over three letters asking to validate debt and providing letters with proof of payments. This is effecting everything from buying a home to my health. I really would like to get this resolved. My account is still open. 

Late payment is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX but those payments were made. 
XXXX payment was made on XXXX XXXX XXXX XXXX XXXX 
XXXX payment was made on XXXX XXXX XXXX  but my minimum payment of {$30.00} was made XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time when I log into the Equifax account, I receive a response of " Call customer care with the phone number given. '' This means that I do not have access to view the credit report or to very important data, or dispute invalid or incorrect data. Also, when the correct data is supplied, the correct data appears ignored. From the previous response, all pertinent data was submitted without any feedback to correct the lock on the file. Finally, after being able to talk to an agent, the agent validated my data. However, the agent could not figure out why a lock is placed on the account access given that the correct and valid data was provided. Thus, besides this complaint and Equifax internal complaint was also filed. Unfortunately, I could not receive a copy of the filed complaint because of security reasons. In addition, an XXXX at Equifax stated that I could not have account access because I reside out of the USA as many other US citizens. However, there is no problem with XXXX and XXXX. Also, I was able to access the account in early 2021 without any problems. Now after some security concern, I am unable to access the account regardless of valid username, password, or any valid data. There is a significant problem that resides within Equifax that disallows a person to access their file or account. Besides, Equifax does not have the decency to provide an apology for this great fiasco. I hope that someone besides CFPB can correct this problem.
Product: Credit card or prepaid card

I bought 3 XXXX XXXX XXXX at the local grocery store. 1 of the cards worked fine, the other two had " no balance '' ( 1 was for {$50.00} and the other for {$100.00} ). I called the customer service number on the back of the cards : XXXX on XXXX XX/XX/XXXX and was told that the 2 cards with no balance not " properly loaded '' by the grocery store personnel and the ONLY way to resolve the problem was to FAX to : XXXX the following documents : Copies of the Gift Cards ( front and back ) ; copy of my DL ( front and back ) and copy of the original receipt. I did that at XXXX XXXX  XXXX  on XXXX XX/XX/XXXX. I called the same number above on XXXX XX/XX/XXXX and spoke to XXXX at XXXX XXXX XXXX and was told that my documents were received and that their " off-line '' team had the request and was " coordinating with the merchant '' and that I should receive info on replacement cards or activation within 2 weeks. I called back in XXXX ( did not record date/time ) and was told the same thing... I asked to speak to a supervisor and was told there was not one on duty. I called back on XXXX XX/XX/XXXX ( on every occasion, the people I spoke to had XXXX or middle eastern accents ) and was told that I needed to file " a dispute '' and to wait on the line and my info would be taken. I waited over 30 minutes ... someone picked up the phone after 30 min ( I could hear voices ) and as said as I said " hello '', disconnected me. I tried to find " XXXX XXXX XXXX fraud '' help on-line and came across this number : XXXX ... it was a recorded message about emergency phone numbers, unrelated to anything XXXX. I then researched your organization and spoke with XXXX on XXXX XX/XX/XXXX who encouraged me to submit a complaint thru you and FTC. I still have the original gift cards and original receipt is needed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Has violated my rights.. I have never contracted with this company... I demand they remove this in accurate information, that has been harming me. I have been denied multiple opportunities because of this erroneous information. 
I demand maximum penalty, damages and fines For the damage to my name and hindrance upon my life
Product: Debt collection

On Sunday,  XXXX   XXXX ,    2017,  I,  XXXX   XXXX , received a telephone call from a debt-collection agent. The agents name was  XXXX   XXXX , and he was representing an organization of swindlers call ed Midland Credit Services or Midland Credit Management or Midland Funding LLC . I,  XXXX   XXXX , am filing this complaint against this agency for trying to collect a debt that they purchased, according to what this agent was claiming, even though I did not have any knowledge of these organizations and their use of federal government policies to countersue every consumer. Since they know that the system in our counties is broken and corrupt, it is easy for them to counterattack their victims. I have recorded a voice conversation with  XXXX   XXXX  lasting ab out 10 minutes and 12 se conds, which could give you a clue about how these scammers represent themselves. The following information is based on a credit ca rd ( #  **************** ). This account has been collect ed, [  unintelligible perhaps and because they break their promis es, ] t hey take the money and disappear. This account had already been reported to your respective departments because of fraud. During the time that this account was active, I had an insurance policy that would cover any loss or, in case I lost my job, would cover the entire amount owed. I cant upload this conversation to your system for you to hear.
Product: Credit card or prepaid card

I chose the option closest to my situation. I find myself in a unique situation. I have been traveling extensively for work and admittedly did not pay close attention to my bank account statements. XXXX XXXX notified me that Since XXXX of XXXX, there was a ACH debit charged to my account monthly for a XXXX XXXX Credit Card through XXXX XXXX totaling {$1000.00}. I called my bank and they disputed charges from the last 60 days. I cancelled my Debit Card with XXXX XXXX and ordered a new one. I then contacted Synchrony Bank on XX/XX/XXXX letting them know what was discovered. On XX/XX/XXXX, XXXX XXXX verified that I do not have any credit cards opened in my name and that I needed to fax a statement and proof to their fraud department. I did so, and was informed that I needed to dispute the charges through XXXX. I explained that XXXX XXXX XXXX policy is that they will only credit erroneous transactions for the last 60 days. I was then told by XXXX XXXX XXXX Fraud Department that they would not reimburse me for charges erroneously made and to see if I could get XXXX to extend the 60 days for credits.