23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute the alleged debt of {$690.00} that has been reported by LVNV Funding LLC . I assert that I am not liable for this debt and request an immediate investigation under the relevant provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

**1. Violation of the Fair Debt Collection Practices Act ( FDCPA ) : ** Under the FDCPA, specifically 15 U.S.C. 1692g, a debt collector is required to provide validation of the debt upon request. I have not received any legally sufficient documentation or validation that confirms my obligation to pay this debt. As such, LVNV Funding LLC is in violation of the FDCPA. 

**2. Doctrine of Estoppel by Silence : ** I invoke the doctrine of estoppel by silence, as established in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. LVNV Funding LLC has failed to provide proof of the alleged debt after I requested it, which under this doctrine, indicates that no proof exists, and therefore, no such debt exists. 

**3. Violation of the Fair Credit Reporting Act ( FCRA ) : ** Under the FCRA, specifically 15 U.S.C. 1681i, I am entitled to dispute any information in my credit report that I believe to be inaccurate or incomplete. Given that LVNV Funding LLC has not provided any verifiable evidence of my liability for this debt, I request that this item be removed from my credit report immediately. 

**4. Lack of Legal Standing : ** Furthermore, LVNV Funding LLC has not provided any legal documentation showing that they have standing to collect this debt. The absence of an assignment of the original debt to LVNV Funding LLC further invalidates their claim.

**5. Cease and Desist : ** I also demand that LVNV Funding LLC immediately cease and desist from any further attempts to collect this alleged debt until it can provide full and verifiable documentation that substantiates the claim. 

In light of the above, I request the following actions from the CFPB : 1. Investigate LVNV Funding LLC for violations of the FDCPA and FCRA.

2. Require LVNV Funding LLC to provide legally sufficient validation of this debt, if it exists.

3. Ensure that this debt is removed from my credit report immediately if LVNV Funding LLC can not provide such validation.

4. Enforce appropriate penalties against LVNV Funding LLC for their failure to comply with federal regulations. 

Please acknowledge receipt of this letter and inform me of the steps being taken to resolve this matter. 

Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are in accurate items on my credit report. The theft of my identity was also reported to the federal trade commission. Also, I have enclosed the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete these items. 
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of the consumer that the consumer identifies as information that results from a alleged identity theft, not later than 4 business days after the date of receipt. 
15 U.S.C 1681 Section 604 A Section 2 it also states a consumer agency can not furnish a account without written instructions. 
15 U.S. Code 1681b and accordance with the WRITTEN INSTRUCTION of the consumer to who it relates. I never gave any consumer report and agency WRITTEN CONSENT to report anything on my consumer report that violates my right as a federally protected consumer. NO CONSENT IS IDENTITY THEFT as a consumer I am demanding the deletion of the accounts listed immediately.
Product: Money transfer, virtual currency, or money service

I awoke XX/XX/2021 around XXXX XXXX. to find my coinbase.com account emptied along with {$700.00} from my XXXX XXXX  account used to buy more cardano coins before they emptied my coinbase account. The scammer took me for {$4300.00}. I have reached out to coinbase.com for help getting my money back. I have emailed coinbase.com multiple times and have got no where with them. The only thing they did was reset my coinbase password and told me I was out of luck. The case number they gave was # XXXX. I just want to hopefully get my money back and I will never do business with them again. Please help and God bless
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous 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 documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), 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 ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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

I contacted transunion because there were third party agencies like Safe Rent & others pulling my credit information from there agency and it was reporting my student loans that are paid in full delinquent & in collections. I have been continuously getting denied for a rental lease leaving me & my family stuck living in a XXXX. 

When I spoke with the transunion representative XXXX he said my loan balances showed paid in full and had at a XXXX balance since 2019 which is correct, but when I login into my transunion XXXX account the loan balances are showing actively in collections and delinquent. When third party companies that real estate agencies are using to screen potential tenants Im getting denied & remain XXXX. So I am left to suffer the consequences of these inaccurate debt amounts being reported by transunion and its affiliates/ subsidiary companies. 
Every time I tried to dispute these accounts on XXXXXXXX it would lock me out the account and this happened more than once and I had to contact tech support to gain access again.
Product: Checking or savings account

Recipient interest in purchasing furniture available on XXXX The perpetrator created a series of confirmation required to establish doing business with them via a commercial XXXX payment account. 
Through multiple emails, messaging and a phone call with a fake XXXX operator the establishment of ability to do business with this entity required temporary deposits for getting a refund, a corrected refund, an temporary insurance deposit to be refunded and finally a temporary deposit for certification that would also be refunded.

It was stated the last temporary deposit was the final transaction before a full refund would be issued until another notice was given that an additional {$1000.00}, totally refundable, was then required for a Government approval of the business transaction and after that the total deposits would be refunded.

After the last notice of an additional {$1000.00} being required I objected and pointed out that the previous deposit was described as the final requirement until it suddenly wasn't.

I demanded all of my funds be returned and I said I would not be depositing anymore money. 
I told them I would be contacting my bank and XXXX because this whole transaction must not be legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft and please remove the inquiries
Product: Mortgage

The house is sold, the mortgage paid in full but Wells Fargo has not processed my escrow refund. I have told them twice that I need my money and they ignore it.
Product: Mortgage

I am filing this complaint on behalf of both myself and the other borrowers that I assume are receiving the same dis-organized, confusing, and abusive treatment when trying to exit the COVID-19 Forbearance process. I suspect that this is systemic within Freedom Mortgage as they try to ramrod borrowers into signing documents without proper time to evaluate their options. The CFPB very publicly notified both borrowers and mortgage servicers that the kinds of abuses visited upon consumers during the mortgage crisis of the last recession would not be tolerated. It appears that it fell on deaf ears in so far as Freedom Mortgages process is concerned. 
On XX/XX/2021, I notified Freedom Mortgage that I intend to retain my home and am ready to resume making the monthly payments. Their representative told me to expect a package of documents within 7-10 days to start the process. 
XX/XX/2021 ( on or about ) attachment # 1 was received even though it is dated XX/XX/2021. 
XX/XX/2021 ( on or about ) attachment # 2 arrived even though it is dated XX/XX/2021. It said that I must accept the offer by XX/XX/XXXX. Note that they had not yet received my initial application and related documents. 
XX/XX/2021 the initial application and documents were put into the mail. See the Certificate of Mailing attached. 
XX/XX/2021 saw the evening XXXX  delivery of attachment # 3 even though the document is dated XX/XX/2021. It contained what appear to be the final legal documents requiring notarized signatures in a very short time frame. 
Please advise as to the acceptability of this process to the CFPB.
Product: Debt collection

threatened that my credit will be ruined for seven years and I better have proof that the carpet in the apartment was in good condition if I am disputing. kept asking me for personal information such as my social security number. I already gave a security deposit which was not returned to me also the apartment complex was in the process of making upgrades, as each tenet moved out the carpets were removed and replaced with wood flooring. This is a scam to have past tenets pay for the buildings upgrades. During my time as a tent I never missed a rent payment, even when going without air conditioning on XXXX separate occasions each lasting several days. There was also and issue where Bees began nesting inside of my apartment when I asked the manager for help she hung up on me. the Bees were eventually exterminated. It is not possible to reach anyone above the apartment manager at XXXX, it goes to voicemail and the mailbox is full. Also I was never sent a bill or contacted by anyone that had an outstanding balance before receiving a collections notice.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX and account services has violated my rights. I looked at both my Experian and XXXX credit report on XXXX XXXX and noticed some things are incomplete and inaccurate, and according to the fair credit reporting act whenever a XXXX XXXX XXXX prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). and according to XXXX XXXX XXXX XXXX they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( a ) in general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the XXXX XXXX XXXX shall ( i ) promptly delete the item oof information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to XXXX XXXX XXXX they are supposed to not furnish any information relating to a consumer to any XXXX XXXX XXXX if the person knows or has reasonable cause to believe that the accounts is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted you ( Experian ) several times about inquires showing on my profile that do not belong to me.There are hard inquires on my report I did not authorize. I have not and did not request to do business with the companies listed below. I have contacted the companies they referred by to follow up the the credit bureaus stating they are unable to do anything. Experian is reporting these unauthorized inquiries you are responsible to ensure accuracy. I have contacted Experian several times requesting these hard inquiries to be removed they have failed to remove. I'm requesting deletion of hard inquiries they were NOT authorized and should not be listed on my credit report. XXXX XXXX, XX/XX/2021, XXXX XXXX, XXXX XXXX, 2021, XXXX XXXX XXXX XXXX, XXXX XXXX, 2021, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021. These are NOT my inquiries and they need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was obtained and misused in attempted to open fraudulent accounts. There are inquiries on my report that I did not authorize. Regardless if there was an approval or not I need them to be removed before this gets out of hand. Please make sure these credit companies are on their job and get this dispute resolved. I can not have these inquiries that are mine, reporting any longer. This shouldn't even be reporting on my consumer report anyway, according to U.S. Code Section 1681b. I filed a report through the FTC and the report number is XXXX
Product: Debt collection

They called me 5 times in a single day as a payment reminder without leaving a single message to explain who they were.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED NOTIFICATIONS OF NEW INQUIRIES ON MY ACCOUNT THAT I HAVE NOT AUTHORIZED OR EVEN HAVE A CLUE OF THE THEY ARE BUT THEY HAVE SHOWN UP AS INQUIRIES THESE ARE THE COMPANIES! 

XXXX XXXX XXXX XXXX applied for a credit card on XX/XX/2021 XXXX XXXX You applied for a loan on XX/XX/2021 XXXX XXXX You applied for a credit card on XX/XX/2021 XXXX XXXX You applied for a credit card on XX/XX/2021 XXXX Card You applied for a credit card on XX/XX/2021 XXXX Card You applied for a credit card on XX/XX/2021 XXXX Card You applied for a credit card on XX/XX/2021 XXXX You applied for a loan on XX/XX/2021 XXXX Co You applied for XXXX credit card on XX/XX/2021 XXXX You applied for credit on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  You applied for credit on XX/XX/2021 XXXX You applied for a credit card on XX/XX/2021 XXXX
Product: Checking or savings account

There was a charge : {$160.00}, by a merchant, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that should have fallen off, because the charge was canceled the next day. 
Instead the charge was posted. Initial conversations with XXXX were fruitless, due to a system error that caused the charge to not show in my files at XXXX. 
I contacted my bank, XXXX XXXX, to issue a charge back. 
XXXX from XXXX has been almost non-existent. I went 2 full weeks without any update, and had to make repeated calls just to get access to the email they said they sent me, which they never did, and magically forwarded to me. 
Federal law states that they have to give me information about a dispute within 3 business days, and I received nothing for a minimum of 10 business days. 
I have had multiple correspondence with the Merchant, XXXX XXXX, and have confirmed with them that, yes, the charge back request was fully completed on their end, and they don't have access to the funds anymore, as it's been sent back to SoFi, as requested. 
XXXX has sent me copies of their correspondence with Sofi. 
Sofi, however, has repeatedly refused me access to account managers, refused me updates on the dispute, lied to me about their own company policies, lied to me about correspondence with XXXX, and lied to me about Amount that was to be returned. 
They claim they can not expedite the process, which is false, because any bank can choose to expedite their own investigation process and credit an account held by their institution
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2022 Dear Capital Accounts After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2022. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX
Product: Debt collection

ReLIant CAPital has called in the past to attempt to collect a debt that Im unfamiliar with. Recently they placed the collection on my credit report harming my credit score, reputation and credit profile. I request that the credit bureau remove the inaccurate information but they have refused replying with they believe the info reported is accurate but it clearly isnt.
Product: Mortgage

I lost my job mid-XXXX XXXX due to the COVID-19 pandemic. Due to my job loss, I am unable to pay my mortgage over the next few months. I spoke with our mortgage company ( New American Funding ) on XX/XX/2020, and I was told that they had no options for mortgage payment forbearance for COVID-19. I continued to try calling them several times after that for an update, but I was not able to reach anyone by phone. On XX/XX/2020, I sent them an email regarding my situation, and I have not heard back from them. In my email, I requested that my unpaid mortgage payments be added to the back end of my home loan. I know our California Governor XXXX XXXX has provided protection from foreclosures to homeowners for the next 90 days, but I need to discuss my options with my mortgage company. I would like assistance getting in contact with my mortgage company, and I am requesting a response from them regarding my email. Thank you for your help.
Product: Credit reporting, credit repair services, 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 USC 1681. Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX account name : XXXX XXXX XXXX # XXXX Account name : SXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX  # XXXX has violated my rights. 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 a account without my written instructions 15 U.S.C 1681c. ( 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And i have filed police report This is not my accounts They are fraudulent I repeat they are fraudulent accounts
Product: Credit card

On XX/XX/XXXX, I purchased an electric hot water system from XXXX XXXX XXXX, using my Home Depot card. I paid for the whole project costing {$5.00}, XXXX as XXXX XXXX XXXX reported that Home Depot requires all the money before installation. The project was not completed until XX/XX/XXXX. 
This was a special purchased advertised as 12 months interest free. 
So I requested that the purchased date be changed to XX/XX/XXXX as this was the date I actually was able to use the system. This was requested of XXXX XXXX XXXX, Home Depot, and Citibank. XXXX XXXX XXXX  had referred me to Home Depot and Home Depot told me to talk with Citi. 
On XX/XX/XXXX, Citibank said that they would extend the 12 months to 18 months. They sent me a letter to extend to the 18 months. On XX/XX/XXXX, I call Citibank to inquire about the interest free period. If I don't pay the full cost on the Credit card, I will have to pay interest for 18 month, not 12 months. 
Citibank wants me to call back Home Depot to change the installation date. I am going in circles and nothing is being resolved. 
I am merely requesting that Home Depot/Citbank honor its contract of 12 interest free if paid within that period to start the day the job was completed, and not having to be responsible for possibly another 6 months of interest.
Product: Checking or savings account

Well my cash app was hacked nd someone changed the info on it taking my cash app from alone with all the funds thats was in the account and whoever it is still has my info
Product: Debt collection

Rent Reporters is attempting to collect an alleged debt from me.I do not have a contract with Rent Reporters and I never consented for them to collect a debt from me.I did not consent to Rent Reporters having or using my information. They have not verified this alleged debt. We did not have any communication prior to Rent Reporters ruining my reputation. Rent Reporters has violated ( 15 USC 1692d ) Rent Reporters has in fact ruined my reputation by reporting this bad debt to the reporting agencies.