23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I submitted a complaint against LVNV FUNDING on XX/XX/2022, via the CFPB in regards to LVNV FUNDING misusing my identifying information ( known as fraud/identity theft ), how I originated the funds, and how their debt collection practices are unfair, misleading, and are falsely represented. I informed them of various consumer violations as well. I received a response from them, however, the response they made did not address the full complaint. They skipped over the majority of the complaint and only made a response to the last few sentences of the complaint where I stated " I received notification from my credit report that LVNV FUNDING closed both collection accounts. Then as of XX/XX/2022, one of the collection accounts showed that is was open again and on XX/XX/2022, one of the collection accounts showed that is was removed from my report. '' They say their records indicate that the records were reported to the credit bureaus consistently, but based on the evidence I have from my credit report, that is false. LVNV FUNDING ignored this evidence. Accounts can only show closed/removed if someone from LVNV FUNDING furnishes that information to the credit bureaus. Them also ignoring the majority of my complaint is very unprofessional and likely that they do not have a legal rebuttal to respond with. LVNV FUNDING then proceeded to respond to a claim from XX/XX/2022, though that claim was not mentioned in the XX/XX/2022 claim I would like to respond to LVNV FUNDING and say that when I asked for more information about the alleged debt, the representative informed me that the cease and desist has to be lifted in order for her to speak about the details of the debt, the cease and desist was not lifted at any time before, during, or after the call, therefore she should not have stated any details of the debt, this is a violation of the FDCPA. This call was recorded so the conversation can fully be heard on what happened at that time as well. The representative also stated herself that she should not have told me what she did. If LVNV FUNDING is truly in compliance with the FDCPA and other consumer laws I have cited, I would like LVNV FUNDING to rebut my complaint with the law as it is intended to be used. Law can only be rebutted with law, fact and evidence. All of which can not be done because LVNV FUNDING does not have any legal right to collect on this alleged debt. Statements of accounts are not legal contracts and do not give debt collectors the legal right to collect to on that alleged debt. I have no legal signed contracts with LVNV FUNDING, they purchased this alleged debt in hopes of obtaining as much money back as possible from their purchase. The alleged debt is already paid for. The collection of this alleged debt is a violation of 15 USC 1692e ( 1 ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692f ( 1 ). Additionally, pursuant 15 USC 1692a ( 6 ), any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt, can not be a debt collector.
Product: Mortgage

On XX/XX/2020 we signed a contract with XXXX XXXX, with the obligation to do business with FBC/XXXX  mortgage company. If we didnt get the loan FBC/XXXX  we will not get the house. Or so we thought. 
We were harassed into selling the house and paying off the car. 
We supplied all the paperwork. 
We believed that they will honor a FHA loan but they are not interested in complying with it and all they have done since XXXX is prolong the process, hindering, lying, deceiving, a XXXX score credit is not good enough. 
We had spent about {$20000.00} that no one is going to give back!! 
We believe them! 
They DONT give FHA loans!!! 
Even though they offer them!! 
They harassed us, pushed us, laughed at us, because they knew that they were going to be able to get away with it. And that NO ONE in this XXXX forgotten Country was going to do anything to stop them!!! 
We are homeless, my childrens college money down the drain, just because we believed. 
I feel like the jelly bean test again, where no matter the answer, no matter how many times you try, you still a loser!!! 
XXXX XXXX, FBC loans, and XXXX Homes are to blame! Pulling the credit until is useless!! XXXX credit score takes you nowhere, and to bring it back up take decades!! 
But they know the game and how to play it, because while their greed is controlling them ; we, my family and I are homeless. 
Shame on you USA!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint requesting that Credit Bureaus will reinvestigate the disputed Account XXXX XXXX Balance Owed : {$940.00} from my credit report as well as update this Account from my report during the investigation period. As of this date, Credit Bureaus have failed to respond to my request. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX have violate 15 usc 1681n 15 USC 1681b permissible purpose ( a ) 15 USC 1691 ( d ) ( a ) ( 1 ) 15 USC 1681e 15 USC 6803 Violating my privacy reporting to financial institutions without my consent sharing my personal information 15 USC 1681a- ( B ) 15 USC 1681 Congressinal findings statement of purpose in regards to my current credit cards XXXX had 4 financial institutions decrease my credit limits which is legal my signed signature was an extension from my open end credit plan which caused me to lose XXXX of dollars during a pandemic..
Product: Student loan

I have been in repayment for the Public Service Loan Forgiveness ( PSLF ) program since XXXX. I have had 4 federal loan servicers during that time and the servicers have not shared information between servicers about the status of my participation in the PSLF program as my loans were transferred among servicers. From XXXX, loan servicers misled and gave wrong information that I was on a qualifying payment plan and did not respond to requests for information about PSLF program participation, and the current servicer has delayed for two years a review of qualifying payments that they have claimed were ineligible for the program. Meanwhile, the Temporary Extended Public Service Loan Forgiveness ( TEPSLF ) program funds are available and I certainly qualify for forgiveness.
Product: Debt collection

Hello, I am not responsible for any debt with XXXX XXXX XXXX XXXX . I have requested for XXXX XXXX, XXXX to provide me with the original contract signed with XXXX in which they 've never provided. If my signed proof ca n't be provided to me I would like this account to be deleted from all 3 credit bureaus ( XXXX, XXXX, and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my application are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

After several attempts to get XXXX to correct my balance and accurately report this information to the credit bureaus, XXXX still refuse to accurately update all three credit reports and this willful neglect is hurting my credit score and I am being hampered from fair credit due to their negligence. 

I can not get access to credit due to the negative, false, and inaccurate reporting on my credit reports. I have repeatedly called the Department of Education and student Aid/XXXX to get this matter accurately and immediately resolved. They told me that XXXX has a duty to update all three credit reports so that I can be given fair credit chances and not be hurt by the inaccurate reporting on my credit reports. XXXX has made no attempt to provide me with a legal instrument that I can submit to the credit reporting agencies to accurately reflect my correct credit score thereby affording me lower interest rates for a new home, which XXXX is hurting my chances of getting a home at a lower rate : XXXX is hurting my chances of getting a home when the rates were lower than 7.5 ( as they are now ). XXXX is willfully neglecting to accurately and expeditiously send accurate information to the credit bureaus XXXX XX/XX/2024.
Product: Checking or savings account

I had a Bank of America checking account from XXXX and I had instances when they would charge me numerous overdraft fees for purchases made over a weekend, especially holiday weekends because my paycheck would be deposited on Friday after the bank had closed and the deposit would not be considered as received until they reopened and all of the debits were first taken from the predeposit amount. They also subtracted the debits in an order from largest amount to smallest amount so that they could overdraft as many as possible, so I would see XXXX or XXXX overdraft fees for purchases made after Friday when my paycheck was deposited. I argued about this with them when it happened because it was occurring frequently and they were deducting hundreds of dollars every time I got paid in overdrafts causing me to become financially stressed and unable to keep up with timely payments on my bills. I can not give you specific dates because its been a while ago, but between XXXX when I lived in XXXX, AZ. 

Additionally, they sold me credit card protection but when I contacted them after losing my job and before I had missed a payment or even been late, they told me it was too soon to notify them and that I had to be XXXX  days late on a payment. When I was XXXX  days late, they froze my credit card, and so I paid it off as quickly as I could and then they closed it and refused to issue me another saying I was to high a credit risk to open another credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ; XXXX XXXX  XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXXXXXX  XXXX Balance : {$40.00} ; XXXX  XXXX Balance : {$96.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$10.00} ; XXXX XXXX Balance : {$75.00} ; XXXX  XXXX Balance : {$21.00} ; XXXX XXXX Balance : {$80.00} ; XXXX XXXX Balance : {$210.00} ; XXXX XXXX Balance : {$31.00} ; XXXX XXXX Balance : {$310.00} ; XXXX  XXXX Balance : {$28.00} ; XXXX XXXX Balance : {$570.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Debt collection

United wholesale is reporting incorrect information to my file stating i have not paid a debt.
Product: Credit reporting

The credit reporting agency continues to show inaccurate or erroneous information on my credit report, which has impeded my ability to secure the most favorable credit terms on credit cards, etc. 

The following are a list of inaccuracies/erroneous statuses still showing on my credit report:1. ) XXXX XXXX XXXX, XXXX shows a late payment status. As per my last complaint, and the documentation to go with that complaint, it is XXXX that has mis-managed the escrow, and as a result, caused the account to fall behind. I have always paid according to the agreement ( s ) I 've had with XXXX. 

2. ) XXXX. This account was never opened under my social security, yet the credit reporting agency continues to allow this inaccuracy to remain on my account in violation of the Fair Credit Reporting Act, et. al. 

3. ) The education loans have all been cancelled/forgiven, and thus, should be removed from my credit report. 

4. ) Any inquiries, XXXX or more years old, should no longer be showing on the accountFinally, there should be no new accounts, except a car loan via XXXX XXXX, showing on my record.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX - XXXX - {$12000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} ( 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 XXXXXX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am sending this complaint to formally demand the removal of an inaccurate late payment reported on my credit profile. The item in question is : DISCOVER BANK XXXX Balance : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and identity fraud. After viewing my credit report, I recognized the inquiries on my report that I did not authorize. 

Creditor : XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX
Product: Debt collection

A company called FBCS inc has repeatedly called me and attempted to collect personal information from me. They state they can not share their reason for collecting this information and can not give me further information until I give them all of my personal information. 
I received a letter stating that they were trying to collect I debt I owed to XXXX. I contacted XXXX and they stated my account was fine ( and had even been closed for several years ) and no debts were ever owed and FBCS inc does not represent them in any way. 
This is obviously a scam. 
Several other people have commented on online reviews that they are also being harassed by this company. 
This is the second year in a row that they have been harassing me by phone and by federal mail. 
Last phone calls XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
Letter dated XX/XX/XXXX.
Product: Checking or savings account

my account was closed by city on XX/XX/XXXX with absolutely no reason and I can not access my funds. I was simply told I would receive a letter within 30 to 60 days but I need access to my funds now I would like a check mailed to me with my balance immediately. This is my primary source of income and what I used to pay bills.
Product: Credit reporting or other personal consumer reports

Despite repeated requests, Experian Credit Bureau has failed to follow through with my dispute regarding unlawful inquiries and reports that fall under the Fair Credit Report Act, FCRA. Specifically, on XXXX XXXX XXXX XXXX I received an alert indicating that XXXX XXXX XXXX in Arizona had obtained a new hard inquiry on my credit report without my permission or knowledge. Despite informing Experian Credit Bureau of this unlawful inquiry, they were unable to assist me and directed me to handle the matter with XXXX XXXX XXXX. 

It is worth mentioning that XXXX XXXX XXXX procured a Credit Report copy under an incorrect name, and the Experian Credit Bureau was duly informed of the error. 

Furthermore, on or about XXXXXXXX XXXX XXXX, I discovered that three accounts on my credit report, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, were showing as 30 days delinquent despite being closed several years prior. After requesting an investigation into the matter and being informed that the accounts were verified as accurate, I contacted Experian Credit Bureau again on XX/XX/XXXXXXXX XXXX XXXX. Despite being told that the results of my dispute could take up to 30 days, I received a response within 48 hours stating that the information I disputed had been verified as accurate.

The notion of an account ( s ) being 30 days delinquent despite being closed for several years is mathematically inexplicable and defies rational explanation. 

It is unclear why Experian Credit Bureau is unwilling to remove these unlawful inquiries and reports from my credit report, despite my repeated requests and evidence to the contrary.
Product: Mortgage

Success Mortgage Partners Inc. - Predatory Lender. 

I started my VA Loan in XX/XX/XXXX with Success Mortgage Partners. Loan was sold to XXXX Mortgage Co, and I applied for a forbearance with XXXX and was approved in XX/XX/XXXX due to some health issues etc. Mortgage was repurchased by Success Mortgage Partners in XXXX. Success Mortgage Partners refused to honor the forbearance and demanded immediate payment. They have called numerous times demanding payment, or they would foreclose. 

During this whole time, I have only received 2 mortgage statements ( XX/XX/XXXX and XX/XX/XXXX ). I thought it was federal law that a mortgage company had to provide statements and notices monthly. The one statement in XX/XX/XXXX showed NO Overdue amount. Then they called me at the beginning of XX/XX/XXXX threatening foreclosure again. 

I never receive any notices, it's always a phone call. They also never verify my identity when I call them. All you need is the loan number, and they divulge personal information without hesitation. They have also refused to pay my Homeowners insurance which was sent to them in XX/XX/XXXX and due to expire XX/XX/XXXX. 

Please Help. 

XXXX XXXX American Veteran
Product: Credit reporting or other personal consumer reports

Someone using my information applied for a Capital One Venture card without my consent and also had a hard inquiry on my credit report. 
This was a fraudulent application
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XX/XX/XXXX. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Credit reporting or other personal consumer reports

I received a letter from you saying " LexisNexis initiated a dispute of bankruptcy record case number XXXX on the consumers behalf. During our investigation, LexisNexis verified that bankruptcy record case number XXXX is accurately associated with the consumers identity and reflects an accurate case status in the consumers consumer reports prepared by LexisNexis. '' Please provide necessary proof that it was mine. Failure to do so, you need to remove it from my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Payday loan, title loan, or personal loan

I applied for a loan with this company, as i have done many times previously. We went through the process of the loan and they asked me to verify my bank account info, and debit card with the last XXXX digits, expiration date, CVV etc., the debit card they were supposed to use was the card ending in XXXX ( please see email attached ), however when the loan was processed, they deposited the funds on to a debit card that did not belong to me. They deposited the funds to a debit card that i used to payoff a previous loan, and not the debit card i provided, that actually belongs to me. The debit card thee deposited the funds to did belong to a family member ( not immediate ) that owed me money-I had an agreement with my family member to instead of send me the money, they would just pay off this loan with their debit card. 

Turns out the person to whom the card belongs to saw the funds deposited and unfortunately depleted the funds and i was unable to recover them. 

Because i never received those funds, it put me in a bind to where i could not pay them back. Now they are threatening to garnish my wages, even though they made a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, BANKRUPTCY XXXX  XXXX ACCOUNT # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.U 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions