23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in 20004. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 C-2XXXX, XXXX, TRANSUNION MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after ; 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

I am writing to formally request the blocking and deletion of the following accounts and associated inquiries from my credit report due to being a victim of a recent data breach. I have reason to believe that fraudulent activity may have been carried out using my personal information, and under the provisions of 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request these accounts and inquiries be removed from my credit file. 
Accounts to be blocked and deleted : XXXX. XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  {$6800.00} XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  {$220.00} Inquiries to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I am a single mother of XXXX children, originally my loans were from Sallie mai but navient took them over and I have had alot of financial hardship. I was told to keep applying for deferments and then forbearance, then told I have exceeded my limits. My pmts keep jumping up and being reported to my credit, lowering my credit score. Then finally they allowed me to consolidate my loans after now owing alot more then I borrowed. Now I'm on a XXXX repayment income plan but my payments still keep jumping up and are still getting reported to my credit causing it to still go lower. I'm not sure what to do, I feel like I'm going to be going backwards and backwards with them and they are doing nothing to help.
Product: Debt collection

I am writing to address the adverse marks on my credit file that have been attributed to me LVNV Funding, LLC. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. Complete payment history, as per the precedent set by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. App. XXXX XXXX Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

2. Date of Last Activity.

3. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
4. Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company.

5. Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
6. Letter of sale, forward flow agreement or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX, XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
7. Chain of Assignment : Please provide a detailed and verifiable chain of assignment, including the names of all previous creditors and/or agencies that handled this account, along with the corresponding dates of assignment and proof of legal transfer at each stage. 
8. Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. ) I must emphasize that, under FDCPA Section 809 ( b ), collection activity is prohibited until the debt is duly validated. The court ruling in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) confirms that reporting a collection account constitutes collection activity. Please be aware that this is not a request for partial validation ; rather, it is a demand for all the listed information to constitute full and sufficient validation of this debt. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter.
Product: Credit card

Capital One stops processing payments at XXXX on the day payments are due. This is second time I have made payment on the due date but refuses to process the payment and informs me they will process the next day and charge me a late fee even though the payment was made on the actual due date. If Capital One does not want to process, thats fine but when my payment is still made on the due date it should be noted that I have made my payment on the date due. If they want to process the next day but don't then charge me a late fee when in fact the payment was NOT late. It dishonest to not process the payment and then charge me a late fee. I am trying to get out of debt as a senior citizen and getting charged a late fee when in reality my payment was made on the due date. I would request that the last XXXX " late fees '' be credited to my account. I can't keep paying rediculous late fees for payments that are not really late. My account ends in XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against LVNV Funding LLC regarding account XXXX. LVNV Funding purchased this debt from an original creditor that is not registered in Texas, and their right to conduct business has been forfeited. This raises serious questions about the legitimacy of the debt. I have notified this collection agency numerous times that I do not have an obligation with the original creditor listed on my credit report. LVNV Funding is falsifying information and harassing me as a consumer. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protection against such practices. I demand that all collection efforts cease and that this account be removed from my credit report. I am maintaining a paper trail of all correspondence related to this matter. I urge LVNV Funding to reference XXXX XXXX XXXX, XXXX, where the court held the collection agency accountable for failing to verify accurate information.
Product: Money transfer, virtual currency, or money service

My Venmo account got hold since 180 days ago, I had filed a complaint with CFPB and receive feedback from Venmo saying that the funds in my Venmo account it's holding for 180 days and to minimize the risk of loss due to chargebacks, disputes or reversals. and any remaining funds will be made available to me for withdrawal on or before XX/XX/2020. But I'm still unable to withdrawal on XX/XX/2020. So I had email Venmo again on my own, but they told me different things and say that Venmo will not be able to release those funds to me then I also had filed a complaint with CFPB again on XX/XX/2020 and I received feedback from Venmo and they told me the different thing saying that " we reviewed your Account again and determined our decision would not be changed. Between XX/XX/XXXX and XXXX, 2020, you received three payments, which resulted in a loss for Venmo in the total amount of {$2000.00}. Accordingly, the funds from your balance will be removed to cover the loss caused by these payments. As a result, we are declining your request to access your Account balance. '' again from the first time promised me I would able to withdrawal my money on XXXX XXXX I had attached a file about what escalations officers email me saying my funds will be available in XXXX under this email for the proof and an email from Venmo on XX/XX/2020, saying that Venmo will not be able to release those funds to me. I had attached all the documents and email I received from venmo please review it.
Product: Mortgage

Ocwen failed to notify me of the details surrounding my change in payment. I happened to look at my statement in " Important notes '' and it was in the middle of the paragraph, very non descript, no bold type, etc. and certainly not the first note as it should have been due to the importance of a payment change. THe notes read as follows : " Unapplied Funds : Any partial payments that you make are not applied to your mortgage, but instead are held in a separate unapplied funds account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. 
Please note that your monthly payment amount has changed to {$3400.00} effective XXXX/XXXX/2016. Further detail regarding the reason for this change will be included in a separate letter. 
Please note that your monthly payment amount has changed to {$3400.00} effective XXXX/XXXX/2016. Further detail regarding the reason for this change will be included in a separate letter. 
Payments received are to be applied in accordance with the mortgage note. Payments will be first applied to bring the loan contractually current. Any additional funds received will be applied to outstanding fees and advances prior to being applied to principal. 
Our records indicate that you have filed for bankruptcy protection. This statement applies to our lien on the subject mortgaged property and is being provided for informational purposes only. If any payments are remitted, please include the coupon below with any payments se ... '' I have NOT received any " Further detail regarding the reason for this change will be included in a separate letter. '' for either the XXXX payment change or the XXXX payment change.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violated federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

waypoint resource group XXXX XXXX accounts XXXX and XXXX XXXX XXXX XXXX filed a ftc account number enclosed on the ftc
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting incorrect information there are several addresses that are not mine and different name variations. LexisNexis keeps asking for my identification but it is attached to this complaint. Update my consumer report to report accurate information. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Checking or savings account

I got an email stating that my account was being closed because it was not in compliance with the international policies. With no fair warning ior explanation as to what that means or what happened. I have remaining funds in my account and they are refusing to send out my funds that are remaining in my account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Consumer Loan

US Bank is knowingly and intentionally, providing miss-information to run up an accumulate late fees. Every time a called in to make a payment I was being told that there was not late fee due. Now at the end of the contract, I am being billed a total sum of late charges as part of " termination charges '' along with a termination fee. I believe this to be a calculated process to increase fee income and is unfair to consumers and fraudulent. At no time was I ever billed or asked to pay a late charge during the life of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have the following account removed from my credit report : Child Support Enforcement There is a balance being reported of {$1100.00}, but I have NEVER been late on any payments. I will enclose the PDF proof of my account and payments. Since child support does not report positive payment history to reporting agencies, the account should not exist on my credit reports at all. 


I have disputed this account multiple times. but the reporting agencies are not actually looking into the validity of the account.
Product: Debt collection

They 've called multiple times. I 've advised them that they are calling my work phone and need to call my cell phone. I 've provided my cell phone number, but they continue to contact me at work. I can not have personal calls at work.   They 've been calling from private/restricted numbers, but today the information came up on the caller id : Total Card (  XXXX  )
Product: Mortgage

No response from company is received to date, CFPB complaint ID XXXX, The lender is making me pay extra money for the certified checks and mails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that Experian provides me with the method of verification used to investigate my dispute per FCR  A 611 ( a ) ( 6 ) ( B ) ( iii ). They refuse. I have documentation to support this blatant disregard of the FCRA by Experian I dont believe Experian actually investigated my dispute and that 's why they refuse to provide me with the method of verification.
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This is a repeating problem that I have when disputing with Experian. I had some ID theft on my credit and when I have disputed in the past, they give me the same exact response refusing to comply with FCRA 611 ( a ) ( 6 ) ( B ) ( iii )
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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

My account with Transunion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Transunion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that /my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we should remove any incorrect accounts from my credit report. Could you review the documents? Some accounts are inaccurately reported, with incorrect amounts and dates.
Product: Mortgage

Branch Banking & Trust Company is my client 's lender. I am a XXXX XXXX. They requested more document 's without on XX/XX/XXXX XXXX and Denied him XX/XX/XXXX XXXX, less than 24 hours. I received the document 's later that afternoon. The document outstanding was for food stamps transactions. We provided them information of the account being an open status and that was insufficient. Homeowner is not computer literate and we struggled to get the statements as we could n't reset the password during our appointments because he did not have a smart phone we had to wait for his daughter to access his email after school.