23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Request for Removal of Collection Account from Credit Report Dear Sir/Madam , I am writing to formally dispute an inaccurate entry on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). I recently obtained a copy of my credit report from your bureau, and I noticed that the collection account listed below, reported by Calvary Portfolio Services, appears to be incorrect or outdated : Account Name : Calvary Portfolio Services Account Number : XXXX Amount Owed : {$500.00} Date Opened : XX/XX/XXXX I believe this account is either not mine or is being reported inaccurately. Under FCRA Section 611, I request that you investigate this item and remove it from my credit report if it can not be verified or corrected. Specifically, I request that you

: 1. Investigate whether this account is being reported accurately by the collection agency. 2. Ensu re that the collection account is being reported in accordance with the FCRA guidelines. If you are unable to verify the accuracy of this collection account, I respectfully request that it be removed from my credit report. In accordance with the FCRA, if the information can not be substantiated within 30 days, it must be deleted. 

Please inform me of the results of your investigation in writing, and send me an updated copy of my credit report reflecting the changes. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I am writing to express my dissatisfaction with your failure to furnish the requested documents and complete the debt validation process, as stipulated in my previous correspondences via mail. Given these circumstances, I insist on the prompt removal of the account you reported from XXXX. The fact that this is just being reported to only once by the credit bureau means that this collection account is definitely unverified and unjust. 

CREDIT CORP SOLUTIONS ( Original Creditor : XXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

On XXXX my Venmo account was frozen with no warning. My requests and transfers were cancelled and I am not able o access funds in the account. I was told I would have to wait 10 business days for someone to email me about the situation. I need access to the account sooner than that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld reported to credit bureau that I owe XXXX {$120.00}. This account has been paid. Additionally, there were no phone number or address where I may contact Transworld.
Product: Mortgage

I have been trying unsuccessfully for the last three plus months to get my PMI removed from my mortgage payment. In order to do so my home would need to be worth at least {$450000.00}. I've had XXXX different appraisals in the last month or XXXX which have come in close to or over XXXX dollars, so the equity is definitely there to get me below 78 % loan to value. I have spent over 12 hours on the phone with Caliber Home loans and call after call after call I keep getting a different story. At first it was they needed to send me a letter to sign and then me send them a check for the appraisal, this took 2 weeks we did it. Then they cashed my check and failed to order my appraisal for some reason. After countless calls and hours on the phone they tell me they need a list of upgrades which I provide to them three different times still no appraisal is ordered. Finally months later they order a broker price opinion she comes out appraises the home again well over the needed value and now Weeks later they are telling me they see an appraisal has been ordered as of yesterday. No two people have any idea what is going on with this process. To make matters worse they told me I qualified for a free appraisal and should have never been charged in the first place. I am at my Wit 's end and no longer have the strength or capability to proceed fighting with them. At the end of the day each month they delay cost me money not them so they do not care to help in any efficient manner whatsoever. It should not take more than 30 days to remove PMI yet here I am going on the fourth month trying to get this done.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I purchased a couch from Value City Furniture, partially financed through a line of credit they recommended. The salesperson explicitly assured me that opening this line of credit would not result in a credit card. Despite this assurance, I later received a credit card in the mail. This is deceptive and was not what I agreed to. 

Additionally, I was informed the couch would be delivered on XX/XX/XXXX, and even received a confirmation call for that date. However, the couch was not delivered, and I only discovered the delay after I followed up. Since then, Ive been given multiple revised delivery dates, including XX/XX/XXXX, and now XX/XX/XXXX, with no guarantee of fulfillment even by this date. 

I am left paying for a financed product that Value City Furniture can not provide and can not commit to delivering. The salesperson knowingly misrepresented the products availability and failed to disclose the potential for prolonged delays. When I inquired about taking the showroom model to mitigate the delay, I was told it was needed to sell to other customers. When VCF told me this I said so, youre needing this showroom couch to sell a product to other customers that you dont even have and they stated yes. 

The following issues require CFPBs investigation and resolution : 1. Deceptive Financing Terms : The salespersons assurance regarding the nature of the line of credit misrepresented the product. I did not consent to open a traditional credit card, which has financial implications for my credit score and future purchases.

2. Failure to Deliver Goods Paid For : The company knowingly took payment without the ability to deliver the product in a reasonable timeframe.

3. Unfair Financial Impact : I am now paying for a couch I have not received. I anl uncomfortable cancelling my order as I would have to open a new line of credit with another vendor, further impacting my credit score.

Resolution Requested : Investigation into the deceptive financing terms and potential regulatory violations.

Resolution of my order, including an expedited delivery date.

Appropriate compensation for the significant inconvenience, financial burden, and stress caused by Value City Furnitures practices.

I believe this situation demonstrates unfair and deceptive practices that need to be addressed to prevent further harm to consumers.
Product: Mortgage

On XXXX/XXXX/XXXX  I filed a complaint in reference to having a problem with my Mortgage payment of XX/XX/2024 not being posted to my Home Mortgage Account serviced by Selene Finance. Reference complaint : XXXX XXXX with CFPB. Selene Finance answered the complaint filed with CFPB at the above reference case number with an answer stating they posted the XX/XX/2024 payment on XX/XX/2024 and the complaint was closed as resolved. 

However, I received XXXX letters from Selene Finance dated XX/XX/2024 in reference to my loan as being in Loan Default for two delinquent payments. XX/XX/2024 and XX/XX/2024. Please be advised both XXXX and XXXX Payments have been received. 

The first letter stated I have been assigned to a single point of contact XXXX XXXX for my Loss Mitigation options to help me avoid the foreclosure process. 

The second letter I received on XX/XX/2024 dated XX/XX/2024 stated their records indicated that your loan is in default for XXXX payments which were due for XX/XX/2024 and XX/XX/2024 total late charges due XXXX total amount due is {$1100.00}. 

The XX/XX/2024 payment was received by Selene Finance on XX/XX/2024 and not posted until XX/XX/2024, however they did state in the response to the above case number that XX/XX/2024 payment was posted on XXXX/XXXX/XXXX. The XXXX XXXX was received on XX/XX/2024 for XX/XX/2024 and posted on XX/XX/2024. Both payments were made before the grace period ended not requiring a late charge. 

Why is my loan in Default when payments have been received and the next payment is not due until XX/XX/2024. 

Selene is creating a foreclosure resulting in additional fees. Due to their own error in not posting the XXXX payment when it was received in a timely manner causing fees to accure such as home inspections, etc. This starting to look like harassment its happening often resulting in the CFPD complaints. The mistakes the servicer is making is causing severe duress. I am looking forward to these matters being resolved and not occurring in the future. I look forward to some resolution before I lose my home due to their mistakes. I was told by customer service the migigation process was resolved. The complaint is being forwarded due to the Default letter.
Product: Checking or savings account

I have previously sent a letter directing NFCU to stop sharing and opt out of them sharing my information with non affiliated 3rd parties. Yet they are still sharing my Private information. I never received a disclosure or an opt out notice. Per 15 USC 6801 - 6805 requirements. I never gave NFCU permissions to share any of my private and transactional information to any non affiliated third parties! XXXX XXXX XXXX  is the company that has my transactional and private information provided by NFCU. Youve denied my right to opt out! Ive been denied access to a new bank account because of your willful ignorance, lack of care and communication. I was humiliated learning that I could not open a new account. XXXX XXXX XXXX is NOT an affiliate of NFCU. The federal definition of non-affiliated is companies not related by common ownership or control. They can be financially or non financial companies. According to your privacy notice you dont share with companies such as XXXX  XXXX XXXX and They are non-affiliate to your company. Youve been sharing my checking and savings account with this company without my written or verbal consent! This is a direct violation of my right to privacy and Violation of private policy. So unless youd rather settle this matter in court while I seek actual damages Id suggest you remove my information immediately and pay to my account {$1000.00} per violation of every MONTH you have shared my transactions and private non-public information! This complaint is my official invoice to you. 
Theres a total of 25 monthly reporting transactions as of : XX/XX/2023. 
25 monthly reportings is a total of {$25000.00}. 
The balance can be sent immediately via wire to Routing : XXXX Account : XXXX If you choose to willfully ignore my requests again this is my official notice of my intent to sue and I will seek damages for every SINGLE time you have violated and reported my information to this company up until present days.
Product: Debt collection

Someone has access to my personal information and is ruining my credit by making outrageous purchases and inquiries. I have no knowledge of what or who this could be.
Product: Debt collection

I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section.
2. Failed to provide copy of the original contact bearing my signature.
This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item.
Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Debt collection

I got a credit report and saw where Midland Credit Collections has sent reports to the three credit bureaus especially XXXX sometimes twice daily for at least 12 months or so. I just happened to have fraud on a company trying to secure {$18000.00} for computers. It was rejected and I received a letter informing me about this. This prompted me to ask for free credit reports. On the reports, I saw where my score was lowered to poor because Midland Credit Collections would send in inquiries twice a day for at least maybe 2 yrs more or less. I only noticed it when there was fraud on my account. Also, my info is on the dark web, whatever that is and my info has been exposed on several data breaches. Being a senior, I didnt know what was going on. But I do know my credit score has been impacted.
Product: Checking or savings account

Had 2 unauthorized transactions on XXXX acct for XXXX. Contacted XXXX  to block payment, they refused. Called USAA for the same request they also refused. The purchases were made on XX/XX/year> and and contacted both the same day. The description is XXXX XXXX XXXX. I told them my XXXX  acct was hacked and I received an email spoof from XXXX. The transaction ID for XXXX  is XXXX.
Product: Debt collection

BBVA Compass Credit Card Account
On XX/XX/19 I sent Request to Cease Further Communication.
On XX/XX/19 received back signed delivery receipt.  Signed by XXXX XXXX.
Since that date I have received 3 phone calls to request payment or could be referred to collection agency. 1st call was approx XX/XX/19.  2nd call was on XX/XX/19 @ XXXXXXXX.  3rd call was onXX/XX/19 @ XX/XX/XXXX/XXXX.  I advised each caller about the Cease Request.
The amount owed = $XXXX
I am on a payment plan with XXXX, XXXX XXXX # XXXX
Product: Mortgage

Dear Sirs, I was offered forbearance for the Months of XXXX, XXXX and XXXX and since XXXX I have been emailing them asking to receive information so I can resume payments without penalties. Capital Mortgage Services of Texas was going to send me a contract at the end of the Forbearance period instead I received on XX/XX/XXXX ( Statement Date ) a Total amount of XXXX ( ( 3 months worth of payments ) plus accrued late charges and total fees and charges. 
This people are using indecent malpractice business strategies to take advantage of their customers hardships due to COvid-19. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XX/XX/XXXXas mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : 1XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
2.Sarver v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEXIS XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 


XXXXXX/XX/XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from Equifax XXXX and XXXX. They are in denial and I want this fraudulent inquiry removed. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX Inquiry that I didn't authorize. The company said they didn't run my credit and I got alerts from Equifax XXXX and XXXX. They are in denial and I want this fraudulent inquiry removed. 

XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of  XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 

XXXX XXXX XX/XX/XXXX Inquiry that I didn't authorize, I spoke with the manager XX/XX/XXXX of XXXX XXXX XXXX and let him know I didn't authorize this and I want this fraudulent inquiry removed. 


I have a fraud alert on my account that states do not run credit or extend credit without contacting me personally, so I don't understand how these companies got away with doing this without my consent. I'm requesting removal of these fraudulent inquires and an updated credit report from all three Bureaus. Thank you
Product: Vehicle loan or lease

XXXX  i bought a challenge paid XXXX down. While i was out the country my payments were not applied to my loan and one of your loan officers told me i couldnt afford to pay my debt even though i offered $ XXXX cash.since then it has ruined my life
Product: Debt collection

Last year ( XXXX XXXX ) I worked to have this particular collection taken off my credit report by filing a dispute through CFPB. Within a month it had been taken off and my credit was almost in good standing. The debt was a maxed out credit card in the amount of {$1200.00}. I had no choice but to rely on this line of credit due to financial hardship. ( I had gotten laid off a couple of months prior when the oil and gas market crashed in late XXXX ). In the spring of XXXX this particular debt collection agency contacted me to collect on this debt. Without being notified they dinged my credit report again! The calls increased drastically everyday. On top of that they got in contact with my girlfriends parents somehow which live across the country in a totally different time zone! I have never lived in that state nor with her parents so what in the heck are they doing calling there?? Now my girlfriends parents know my personal financial business that is NONE of their business. I wish to have this collection taken off all my credit reports asap. This is hindering from building my credit in a way that allows me to actually buy a home in the near future.
Product: Debt or credit management

I paid Lexington Law for credit repair services and then after canceling their services they came after me for the debt. Also on my credit report they change the date that the debt started so it doesnt reflect the seven years from when the debt started so it stays on my credit report. XX/XX/XXXX   Was the date I cancelled their services.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. 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 a deletion of the following account : XXXX XXXXXXXX XXXX XXXX  # XXXX
Product: Debt collection

This is my XXXX formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.