23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a collection letter from LVNV Funding for an alleged debt totaling {$1400.00}. I responded in the allowed 30 day period the FDCPA allows disputing the debt as not mine and requesting a Verification of Debt and a Validation of Debt. A very limited response was received, the absolute bare minimum. I responded requesting a breakdown of my account history going back to a zero balance so I can see what the alleged {$1400.00} was composed of. No response was ever received, no lawsuit was ever filed against me and LVNV Funding Negatively impacted my credit score.

LVNV has been harassing me for 2 years now with a debt that is not mine. I have been asking for 2 years for a breakdown of the alleged debt. LVNV Funding either refuses to provide the information or simply does not have it and is violating debt collection practices by trying to collect on an incorrect debt.

On 2/8/25 I received another collection letter from a new firm attempting to collect the debt for LVNV Funding. Again, LVNV for 2 years has not provided the account statement showing the breakdown of each charge that totals the alleged debt. The debt is not mine and LVNV Funding refuses to leave me alone, has negatively impacted my credit score which has significantly hurt my personal life with this large negative mark on my credit and has not even filed a lawsuit or anything to settle this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never XXXX days late on this loan. I paid the payment due when it was 24 days late on XX/XX/21 ( see attachment ). This is unacceptable to make false remarks on someone's credit report. I noticed this today XX/XX/21 after checking my report. My contract number is XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving us users vulnerable to scams.
Product: Mortgage

My First Tech Federal Credit Union - Home Equity Line of Credit was paid off XX/XX/XXXX. I received a letter from First Tech dated XX/XX/XXXX acknowledging the pay off and they had intention to reconvey the lien asap. 

I realized in XX/XX/XXXX, they had not reconveyed this as promised. Attempts to contact First Tech Credit Union went unanswered. After I threatened to seek legal counsel they finally sent me a Deed of Reconveyance that was not recorded until XX/XX/XXXX. 

For two years, First Tech Federal Credit Union held the lien against my property, without any reason.
Product: Debt collection

This is a medical debt that should have been paid by Medicare/Medicaid I thought. Was getting billed thought they were just waiting for the claim to come through to them. Contacted them and they said I had to provide documentation from the government that I was on assistance at that time. I was, but there might have been a confusion at the time because I was dealing with the State of Wisconsin at the time. So I don't think I owe this and should have been paid by Medicare/Medicaid. Along with this I am now on Social Security XXXX and I am on a very limited income, so I honestly can not afford this.
Product: Debt collection

On XX/XX/2019, I received a VM from the number XXXX, which is the Superior Court of California-XXXX XXXX. The man ( XXXX XXXX ) identified himself as a process server to deliver the court summons to me because of some unpaid debt ( {$2700.00} and some change? ). I searched on the court website to see if there was any case under my name at the court, but there was none. I confirmed it with the court over the phone as well. So I called the number the process server told me to call in the VM. I was told to speak with an attorney ( XXXX XXXX? ). The number was XXXX, and it was XXXX XXXX. Instead, I spoke with a man ( XXXX XXXX ), and he was inconsistent with what he was saying. He once said there was a criminal case filed against me, and then said the court didn't know anything about my case yet. Next day I called again, and he said there was a civil case. So I kept asking if there was really a case filed against me. I even asked if the guy or the company was impersonating the authority by spoofing the court 's phone number and committing fraud by providing false, threatening information. The guy got frustrated and upset and started talking nonsense that I could not understand at all. Later I found out that they are a subcontractor (? ) or an outsourcing company hired by a company name Northwood Asset Management ( XXXX ).
Product: Debt collection

I had a Macys account that was closed. Due to my husband job loss. This account was covered up on the insurance benefit that Macys offered. About a claim in 2017. The insurance company approved the claim. However they have not processed a payment because they say they do not get the proper work from Macys. Ill forward the information to Macys Macys sent me a letter. The letter clearly support my claim. Maces and the insurance company is refusing to except responsibility. In the meantime my credit has been severely damage. Please review and advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. FDCPA SECTION 807 VIOLATION for misleading false reporting! Along with the violation of my right to privacy 15 USC 1681 ( a ).
Product: Credit reporting or other personal consumer reports

This is for cashapp. It has frozen my money on its app. It has not shown me money that people has sent me.
Product: Checking or savings account

I made legit purchases and I got an overdraft fee for {$140.00} including for a maintenance fee. I have been with the bank for a year and supposedly I can't get anything wavered because something they never explained to me from the beginning when I first opened the account. There is always something hidden or not explained at all with any customer representative with TD on the phone or in person. 

They always seem to try to stick it to you one way or another and not care about it. I'm extremely exhausted with TD Bank and the treatment I have received from them. I haven't been through this much hassle from any other bank.
Product: Credit card

When I applied for my credit card, I never wanted paperless statements. I am XXXX and not use to paperless bills. I would not have requested it, but for some reason it was set to that. I called in to check on my payment, I have only had the card for 2-3 months and learned it was paperless. Which I asked to change. I also found out I incurred late fees, but I think only one was removed. Also, I asked if I had received a negative credit reporting bc of the late payment and the person said they do not have that information. I am surprised that the representative would not know.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit reporting act [ XXXX XXXX # XXXX, PHOENIX FINANCIAL XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Tried to re-insert debt that has already been removed from my credit file. They simply are n't allowed to do this. Also, the details are wrong in the date of collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the bank statements to show the dates paid and will make these statements available upon request. 

Toyota Financial claimed the following late payments on my credit reports. 

A. XX/XX/XXXX late. 
1. Bank statement paid XX/XX/XXXX. 

B. XX/XX/XXXX late. 
1. Bank statement paid XX/XX/XXXX. 

C. XX/XX/XXXX late. 
1. Bank statement paid XX/XX/XXXX. 

D. XX/XX/XXXX late. 
1. Bank statement paid XX/XX/XXXX. 

I traded the vehicle on XX/XX/XXXX but, Toyota Financial continued claiming late payment well past XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app XXXX. ( 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 did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 in the months that I was late 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX  has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Approximately 4 months ago ( XX/XX/XXXX ) I reviewed my credit reports for all 3 credit bureau agencies and I noticed that AFNI is reporting a debt of {$730.00} that I am unaware of via XXXX & XXXX. Approximately one month later ( XX/XX/XXXX ) after requesting validation via a dispute, AFNI sent me an itemized bill stating that they were validating the debt. There was no signed contrtact with my signature attached and therefore they havent been able to provide any proof that this is my debt. AFNI continues to send me bill statements as an attempt to validate this alleged debt, and since they are unable to provide proof that I entered and/or signed a contract with them I would like for it to be removed from all of my credit files that they are reporting this debt to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts ... CFPB step up and remove the following XXXX   XXXX, XXXX XXXX, XXXX XXXX  XXXX,
Product: Credit reporting or other personal consumer reports

Unauthorized use of my non public information without my written consent. Per U S C Code 1666B and U S C Code 1681B and 6801 XXXX  XXXX XXXX XX/XX/XXXX open lates XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was a victim of identity theft on XX/XX/2019 and I was robbed of {$530.00} in my checking account. This was through a XXXX/XXXX transaction conducted by a malicious unknown user and I reported this to my bank on XX/XX/2019. Ten days have passed and I have received a letter in the mail that Ally Bank will not be providing me a provisional credit and considers this a POS dispute. This dispute is a fraudulent charge as someone has stolen my debit card information and used it to make a purchase through XXXX/XXXX. Ally refuses to provide a provisional credit despite stating numerous times that this charge is malicious. Their reasoning for this is due to having a existing XXXX account and suggests I contact the merchant to resolve this issue. Again, this is a fraudulent charge and I have nothing to do with this merchant as this charge was not conducted by me. Ally Bank is taking longer than 10 days to investigate this charge and by Regulation E is required to provide a provisional credit through the remainder of this investigation. This is a provisional credit, which means Ally has the power to recover this money back from my bank account should they determine that a transaction is not fraudulent, which in this case it is.
Product: Mortgage

My mortgage expert told me to file a complaint with the CFPB because they will not give me a specific person who handles my account and they keep asking for the same information over and over again so they can stall and take my home from me. 

Midland Mortgage, XXXX XXXX XXXX XXXX OK XXXX Loan # XXXX
Product: Debt collection

This company has gone out of business I never received any notification of a debt being owed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : ( XXXX LT XXXX )
Product: Debt collection

Highly rude! Called my place of employment 4 times in a row speaking to different people. Left a voicemail stating that i will be sued and he will be faxing personal paper work regarding my debt to my HR Dept in 48 hours. After calling XXXX back he proceeded to speak to me like a was an stray dog. I asked to speak to someone else. Even after doing so he proceeded with his disrespectful tone. Totally stressed me out the rest of my work day. Odd collection practices and I never once refused to pay. Something is wrong with this guy!
Product: Mortgage

This complaint involves Shellpoint Mortgaging Services. A few years back I did have financial problem which resulted my having to hire an attorney and complete a Mortgage Loan Modification. I spent on this particular attorney approximately {$7000.00}. The Modification was completed, accepted by myself and Shellpoint. However, almost immediately I began experiencing problems with them. I have not missed one payment since, however, the company continues to send me notices of payments owed ( which I have not been or presently been behind ). They have changed the loan amount several times- they have constantly billed me for 3-4 months at a time without warrant and have been sending individuals to take pictures of my property. I have since hired several attorneys to rectify this problem- I am currently on my 4th as no one can seem to understand or resolve this problem or if it does get corrected it only last a month or two and goes back to the same nonsense. I honor my modification and pay faithfully every month ( receipts to prove ). They do not acknowledge ... .I am XXXX and still working at my same employment for 46 years ( thankfully ). I can not any longer take the stress of their incompetence, falsehoods - every time I get i corrected through an attorney the " fix '' last for a month or " two '' only. Something has to be done - I can not keep hiring attorneys for a " quick '' fix - lose money for nothing. I have no family to fall back on- it is downright frightening to see someone pull up to your house and start taking pictures as if they were foreclosing - again I have not missed a beat and back. I am sooooo tired of receiving statements such monthly payment due {$9000.00} or some other ridiculous amount - no acknowledgement of regular payments. This is making me sick - I am constantly nervous just waiting for what is next - I need help badly. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy reporting on my credit report from the state court of Tennessee. This account does not belong to me. I have sent several letters to the credit bureaus to fix this error. On my first attempt I received a letter stating that error was verified. I ask the bureaus to send me how they verified the bankruptcy and they did not send me a proper response. I sent a letter to the courthouse regarding the bankruptcy to explain how they are actually verifying a bankruptcy that does not belong to me. They sent me a letter stating that they do not verify bankruptcies nor have then been in contact with the credit bureaus. I then sent the correspondence I received to the credit bureaus XXXX separate times and have not received a response. I am writing your office today in hopes that you can help me to correct this error.
Product: Student loan

I co-signed with my niece on a XXXX bar study loan in XXXX. The initial lender was XXXX XXXX which branched off to Navient. Repayment of the loan beganXX/XX/XXXX. My niece requested deferment of the loan and I started sending a remittance of XXXX per month XX/XX/XXXX The interest rate was XXXX and variable. After noticing very little of the remittance was being applied towards the principle, I called Navient. They explained to me that the loan had a variable interest rate. As ofXX/XX/XXXX, the amount due on the loan was XXXX with an estimated payoff date of XX/XX/XXXX. At this rate, the loan would never be paid off since only XXXX had been applied towards the principle over a 5 year period. As a result, I paid the XXXX in full on XX/XX/XXXX to avoid paying additional interest. I am respectfully requesting that your organization look into the loan practices of Navient. After almost 5 years of payments at XXXX per month, I should not still owe almost 15,000 on an original loan of {$15000.00}. Your prompt attention in this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am writing this with the urgency to bring to your notice a concerning issue related to the presence of fraudulent personal information connected to my identity. After a review, I have observed that specific accounts and transactions have been erroneously linked to me without my permission. This has caused me great distress and raised serious concerns. Unfortunately, I have fallen victim to identity theft, which has necessitated me to take action and report this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection account reported by Allied Account Services Inc. ( Account # XXXX ) to XXXX. 
I 1st filled out the dispute form and was assigned File ID # XXXX by XXXX. 
This disputed collection account stemmed from an alleged {$2600.00} debt from XXXX XXXX, a utility company, for electric & gas service that were not mine, and incorrectly billed to me. I did not authorize the XXXX XXXX utility service, did not request it, and did not live at the premises where the utilities were wrongly put in my name. As such XXXX XXXX was wrong in billing me, and I did not pay this incorrect bill. 

Allied Account Services responded in a letter dated XX/XX/2023, enclosing requested validation as supplied by the creditor. 
All that this validation indicated was that XXXX XXXX had an account in my name which included a transfer debit of {$2600.00}. 
But this does not actually validate the debt, because it does not address the fact that XXXX XXXX WRONGLY opened a utility account in my name, without my request or authorization, at a premises where I did not reside and have never occupied.

Allied Account Services ' collection account, based on XXXX XXXX  wrongfully charging me for utilities that were not mine, has caused my credit score to drop by XXXX points, making me unable to obtain needed financing, and causing me serious financial harm. 
I responded in a letter dated XX/XX/2023 ( CCing CFPB ), explaining this, demanding in the strongest terms that Allied Account Services have this collection account removed from XXXX and any credit reporting agency immediately. 
Then I yet again received a letter from Allied Account Services, same as the letter they sent XX/XX/2023, completely ignoring the nature of my complaint that XXXX XXXX was wrong in billing me in the 1st place. 
Allied Account Services did not bother to read the content of my complaint, and has not taken necessary steps to respond in a responsible manner. 
My Credit Score has been reduced by XXXX points, and I am still unable to qualify for necessary financing. 
Can CFPB please do something about this? 
Feel free to call me at XXXX. 
Thank you for your consideration.
Product: Student loan

Upon enrollment into a graduate program, my loans were automatically entered into deferment status. I did not request a deferment, nor was I asked if I wanted to defer my loans. Additionally, it took three different calls to speak to a real human being. The IVR hung up on me twice.
Product: Credit card or prepaid card

Macy 's American Express credit card owed me {$860.00} ; customer service would never answer calls or intentionally disconnect calls ; i requested the balance of {$860.00} to be sent to me in the form of a check instead i received a check for {$8600.00} ; i tried to call customer service numerous times without avail, their website statement showed that somehow i " owe '' the credit card {$7700.00} although i never used this card since XXXX of 2019 because of their problematic activity ; when i called customer service i was rudely told i " requested the money " from the card and would be charged for it ; i tried to deposit check for {$8600.00} and it " bounced '' ; credit card explained they canceled the check and told me that i would be responsible for the feel related to bounced check, they acknowledged they made a mistake because the check was for the incorrect amount but did not feel i had to be notified either by phone call, message, or e mail not to deposit the check, as of right now, card billed me for {$7700.00} and refused to withdraw charges/refund fee for bounced check ; customer service would not answer calls