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

LVNV Funding LLC has listed a {$820.00} collection to my credit report. I have sent a certified letter to the collection agency, asking them to provide me with my signature, proving that the debt belongs to me, or to delete this reporting from my credit report. They failed to do that, sending me the letter on XXXX XXXX 2017,  without my signature on it, saying that they will resume the collection activity. I believe that they have violated FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX. They have also put a wrong name, since my name is XXXX XXXX XXXX and they are reporting XXXX XXXX which is not my name and it is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of XXXX XXXXXXXX data breach, I've had over 29 mortgages attempted to be get a loan in my name dozens of inquiries about me searching and applying for credit, two fraught XXXX bank accounts opened At wells fargo bank I got five XXXX debits cards in one week and someone applied for a credit XXXX got approved in my name, so because of this data breach, I think people have my information I've contacted tge credit unions and XXXX XXXX XXXXXXXX but how do I make it all stop I wanted to get a buisness loan to start a buisness but can't even get approved because there's so many accounts being searching for loans I get calls from a certain phone number, it's tge same prefix as mine, when I answer it they don't say nothing, so I hang up and block the call, about three minutes later, it's tge same prefix and it's just a different 4 number ending In, and they called 60 times in a house after me blocking each individual call, they will leave me messages humming in to my voicmail, I have student loans that I've never went to collage, and I can't seem to get any help nowhere and can't afford to hire someone to help, so all these data breaches I'm in apparently XXXX XXXXXXXX XXXXXXXX and XXXX was the start of all this back in XX/XX/2019, and ever since then my identity and everything else went to XXXX, how are you supposed to survive in this world when 99 out of 100 people are out to get you, I don't know if you cam help but let me know whst you think I shoukd do, thanks and I'm tryingbto start a business and can't even get that so I need to know which dirrevmctiom to go, thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax still reporting account as a serious delinquency on my account that has a XXXX balance. XXXX XXXX requested it to be deleted from my accounts. 

Correct Account number:XXXX XXXX verified they sent notification to Equifax on XX/XX/2018 to delete account. 

With account showing as XXXX balance Equifax is reporting on my credit file that it is a serious delinquency when institutions are checking my credit file. There is no serious delinquency as I do not owe any funds on the collection. This is a violation of the Economic Growth, Regulatory Relief, and Consumer Protection Act when the agency has any information related to a fully paid debt that is being characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge of it being paid.
Product: Credit card or prepaid card

I set up autopay when I created the account, and paid on time for a full year. Recently, I received a letter stating that I had a past due balance and a late fee. I called to find out what the problem was, and found out that they turn off autopay if you pay your balance, which is not how autopay normally works, and I was not notified that autopay was turned off. I paid the remaining balance and was told that the account would be closed they would remove the late fee. However, they kept sending statements and reporting that I was late. I disputed the fees and was denied.
Product: Debt collection

MARS Collection Agency XXXX XXXX XXXX XXXX, XXXX, OK XXXX Subject : Dispute of Debt - Account Number unknown. According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt. 

Under Section 809 of the FDCPA, 15 U.S.C. 1692g, I request that you provide detailed documentation proving that I owe this debt and that you have the legal right to collect it. Specifically, please provide the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A detailed statement showing the original debt and any charges, fees, or interest added.

4. Proof that you are authorized to collect debts in my state. ( I reside in Kansas your office is located in Oklahoma ) Until this verification is provided, I request that you cease all collection activities, including reporting this alleged debt to credit bureaus, in accordance with Section 805 of the FDCPA, 15 U.S.C. 1692c. Additionally, please be aware that if this debt is found to be inaccurate or unverifiable, it must be removed from my credit report as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Please provide the requested verification within 30 days of receiving this letter. Should you fail to comply with my request, I will consider this matter resolved and take appropriate action to protect my rights. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX As well as contacting my family member who was listed as an emergency contact I a attempts collect the debt law states Debt collection laws vary by jurisdiction, but in many places, including the United States, there are specific rules designed to protect consumers from harassment and inappropriate practices by debt collectors. Here are some key points : 1. **Repeated Phone Calls** : Under the Fair Debt Collection Practices Act ( FDCPA ) in the U.S., debt collectors are prohibited from making repeated or continuous phone calls with the intent to annoy, harass, or abuse you. This means that while a debt collector can call you, they can not continuously call you in a manner that is intended to be harassing.

2. **Contacting Third Parties** : Debt collectors are generally not allowed to contact people other than you ( such as family members, friends, or coworkers ) about your debt, except to obtain your contact information. They must identify themselves as debt collectors when they call and can not discuss the details of your debt with these third parties. In the U.S., if they disclose information about your debt to third parties without your consent, it could be a violation of the FDCPA.

I have not been provided with the original contract signed by me with the original creditor so therefore am not able to verify that I owe this debt and I refuse to pay a debt to a third party debt section agency.
Product: Mortgage

Midland mortgage foreclosed after 6 weeks of missing payments. They granted a forebearance on XX/XX/XXXX, and sent a person with a loaded unregistered XXXX in my home on XX/XX/XXXX to foreclose. In XX/XX/XXXX, they sent someone in and vandalized my property ( tore my security system, put holes in my walls, left my property unlocked, and tore down my blinds ). I feel bullied and harassed by this mortgage company.
Product: Bank account or service

On the XXXX of XXXX Bank of America closed my account in error. I immediately called abd spoke to XXXX who was working in BoA compliance and was assured this was a bank error and would be fixed within 24 hours. The account opened again and then 12 hours later closed again. 

I rang again and talked to XXXX in BoA compliance ( XXXX ) who said that she would sort everything out as this was a bank error, and that no check had been issued on the closed account. She assured me that it would all be cleared ad back to normal by the XXXX of XXXX and to please wait until then. 

I did this. On the XXXX of XXXX I rang again and BoA told me that a check had been sent on the XXXX - to which I replied that I had been assured this would not happen nor would it be sent. The customer service representative said all she could do was put a stop on the check and to please wait for 7 days for it to clear. In the meantime I traveled to the US only to find that my funds were still not cleared. I went into a Bank of America branch in XXXX and they said there was n't anything they could do and I should call BoA again. 

Today now the XXXX of XXXX after spending 1 hour and 20 mins on the phone all the representatiives have told me that there is nothing that they can do as it was a cashiers check which has been sent to my XXXX address and that I either have to wait 90 days before they will credit me my money or post the check back to them which means I have to wait for another 3 weeks until I go back. 

So for the past 21 days I have not been able to access my own money of {$6700.00} and they have told me that I will not be able to access XXXX until I either send the check that they shouldnt have sent or another 90 days. 

As far as I am concerned this is completely unacceptable behavior for a bank when they made the error and should have immediately credited my funds back. So here I am visiting the US without access to any of my funds.
Product: Debt collection

The debt collector, JH Portfolio Debt Equities is trying to obtain a debt in the wrong amount. If this debt is in regards to a credit card from XXXX XXXX ' XXXX, the balance on the account never exceeded over {$1000.00}. The balance on the account remaining was around {$400.00}. The debt collector is trying to collect a additional {$800.00}. Please verify the correct amount owed with XXXX XXXX ' XXXX without the additional interest or late fees tacked onto this account. I will not come into an agreement with the balance of {$1200.00} as the charge on the credit card never exceeded over {$1000.00}.
Product: Credit reporting or other personal consumer reports

I can't obtain a loan because of that XXXX XXXX XXXX  that I resolved on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These were company cards, not a personal account. The credit cards were opened by my company XXXX XXXX XXXX XXXX. Once I closed the business in XX/XX/XXXX, the cards were inappropriately put on my personal credit report. I hired a lawyer in XX/XX/XXXX to contact XXXX XXXX. XXXX XXXX was not able to prove I was a personal guarantor, because I was not a personal guarantor. This amounts to fraud by XXXX XXXX. 

Please note that my last name at the time was XXXX, not XXXX. 

Furthermore, both XXXX and Equifax are fraudulently reporting both cards on my credit report as though they are CURRENTLY delinquent, not charge offs from a business over 6 years ago.
Product: Debt collection

This is a scavenger who bought a bad debt. Original creditor XXXX sold loan to XXXX. Both accounts were closed in XXXX. Michigan statue of limitations for this type of loan reporting is six years. 
The original and secondary loan holders have been removed from reporting agencies. 
Millienium obtained this information in XXXX. This is not a valid debt, and needs to be removed immediately.
Product: Mortgage

XXXX / Loancare is my mortgage servicer for my home. I am in the process of refinancing and had to request payoff balance to supply to my credit Union. I requested multiple times and I am continually told I need to resubmit it. The first time I requested was XX/XX/2021 and since them I received a payoff letter via email that contained someone elses personal loan information and payoff. I keep getting the run around from them and broker promises. I also am blocked from the site now and cant view my payoff information. These tactics are malicious in intent and are blocking me. I paid my mortgage on time with them and they are holding up my refinance. The credit union has requested it from them four times as well.
Product: Credit reporting or other personal consumer reports

I am in disagreement witht the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 


XXXX XXXX XXXX. 

In accordance to The Fair Credit Reporting Act, Public law 91-506, title VI section 611 please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Dispute of Fraudulent Accounts and Inquiries - Identity Theft Dear Equifax, XXXX, and XXXX, XXXX am writing to dispute the following fraudulent accounts and inquiries that appear on my credit report. These accounts and inquiries were opened or initiated without my knowledge or consent and are the result of identity theft. 

FTC Identity Theft Report Number : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which mandates that credit bureaus must block the reporting of information resulting from identity theft within four business days upon receiving the necessary documentation.

In accordance with 15 U.S.C. 1681i, I request that you conduct an immediate investigation into these disputed accounts and inquiries. You are legally required to complete this investigation within 30 days and remove any inaccurate or fraudulent information. 

Attached is a copy of my FTC Identity Theft Report, a copy of my government-issued ID, and any other relevant documents to support my claim. 

Please confirm in writing that you have received this dispute and that the fraudulent items have been removed from my credit report, as required by 15 U.S.C. 1681g ( a ) ( 1 ) of the FCRA.

Failure to comply with these obligations may result in legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the resent 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 CFPBs findings indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Despite my efforts and the acknowledgment of fraudulent activity by other credit bureaus, the presence of the fraudulent account on my report managed by your agency continues to impede my ability to achieve a fair credit score. It is annoying that your bureau failed to investigate thoroughly as what other bureaus had done. Why are you still reporting this account? This should be removed already as what other bureaus have executed. 
XXXX XXXX XXXX PLEASE DELETE!!!! XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
Other credit reporting agencies have promptly and responsibly addressed this matter, and the fraudulent account in question has been successfully removed from their reports. It is beyond my comprehension why your agency has failed to take similar action. 
This lingering issue is not only detrimental to my financial well-being but also reflects poorly on your organization 's commitment to accuracy and consumer protection. I demand an immediate and thorough investigation into this matter, and I insist that you take prompt action to remove the fraudulent account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a method of verification for several accounts on my credit report for XXXX ( 2 ), XXXX XXXX XXXX and XXXX XXXX and I have not received responses back within the 30 days. I mailed this letters along with proof of identity certified on XX/XX/XXXX and received responses results would be ready by XXXX/XXXXXXXX but I have not received any responses via mail on how these accounts were deemed verified or any income. I request as a result by The FCRA, or the Fair Credit Reporting Act, that says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed.
Product: Credit card

My email is not reliable and the bank is charging me {$1.00} a month to mail me paper statements. I feel this is discrimination against the elderly, uneducated and people that can not afford a computer. 

I spoke with a representative today and there is no exceptions for this new fee.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
Account Name .... XXXX XXXX XXXX.. Account # XXXX ... Account Name .. XXXX XXXX XXXX  XXXX Account XXXX XXXX ... Account Name.. XXXX XXXXXXXX XXXX XXXX... Account XXXX XXXX 15 U.S.C. 1681 section 602 A. States i have the right to privacy.. 15 u.s..c. 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681 C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Debt collection

I received a summons from a law firm today claiming to represent Crown Asset Management. 

I did not receive a debt validation notice. 

If I had, this matter would have been paid in full. 

I have been on hold with this law office for over an hour and no one will answer the phone. 

How can I pay a debt if no one will take my payment?
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 ) .Specially cash app failed to take timely and effective measures to prevent 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 and 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 card or prepaid card

I filed a complaint with Capital One, but they were hesitant about assisting me because the Consumer finance account was in both my husband and I name, but when submitted, it only showed my husband name. When I spoke to a representative from Capital One and advised of the issues that were going on with my account, how Capital One closed my account and continues to charge me, they labeled one of my accounts fraud ( which it is not ), how I have loss income and they are refusing to work with me. I enrolled in a debt management plan and seems that Capital One is not willing to work with consumers that have financial hardships. The debt management plan is XXXX XXXX XXXX. Well, today XX/XX/16, I received a packet from Capital One advising they credited the account of fees, which I think they should have. How does a credit card company close your account and continue to charge you past due fees when you dont pay on time. The purpose of enrolling in a debt management plan is because I have a decrease in my finances. Capital One does not want to work with outside debt management financial institutions because they want to continue to gain the BILLIONS of dollars in interest they gain from consumers who can't afford it. They should not the interest rates are extremely high and they should offer some help. As I waited for someone to contact me back, AGAIN I keep getting past due fees. How is this fair to the consumer? When an account is closed, the account is closed and there should be no more fees added. Capital One continues to purposely add fees to closed accounts which should be against the law and is not fair to the consumers. And by the way, I have gain {$39.00} ( PAST DUE FEES ) ON CLOSED ACCOUNTS, 3x 's while waiting for Capital One to call me. I wonder how many African Americans does Capital One do this to, closing a customer account, continuing to add fees to a closed account, and refusing to work with the customer on debt management. I am beginning to think this issue only affects a certain type of group. I have heard others of my ethnic group advise that they have gone through this same issue with Capital One. Sounds like this is UNFAIR PRACTICES AND TREATMENTS toward a specific ethnic group. I need to speak to someone in the corporate office AGAIN immediately. Accounts are ending XXXX, XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, reason for this complaint is my credit report does not show my 2 credit cards from Chase because they are " business '' cards. I have had 2 cards with them since around 2010 and I use and pay my cards on time every month. My credit limit between the two is approx {$95000.00}. My business is my name, I am a sole proprietor. I am personally responsible for any debt. XXXX XXXX refused to give last name ) at Chase credit bureau escalations stated that Chase only reports to my credit report if I am 60 days late. I would like Chase to report my credit card history to my credit report because I am having a hard time obtaining things like personal car insurance because I have no credit. All my vehicles and homes have been paid for for years. Even with {$95000.00} of credit cards available through Chase I can't get approved for a personal card because my credit report shows no activity. Please help. Thanks in advance.