23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent LVNV FUNDING a cease and desist order with a debt validation letter attached on XX/XX/21. The letters were sent certified mail with a green receipt number XXXX XXXX XXXX XXXX XXXX. I received my green card back on XX/XX/21 and it shows that both letters were received by a person named XXXX XXXX on XX/XX/21. This person is an uninterested party in this matter. In my cease and desist I demanded that LVNV FUNDING LLC send me an audit trail, respond to the debt validation letter that was attached, and send me ALL documentary evidence so that I can exercise my right in validating the alleged debt that LVNV FUNDING LLC claims that I owe them. It has been 7 days and I still haven't received any of my demands in writing. Congress finds that this is a violation of 15 USC 1692g ( a ) which states that within 5 days of initial communication with the consumer the debt collector must send the consumer a written notice containing the amount of the debt, the name of the creditor to whom the debt is owed, a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector, a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector, and a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. LVNV FUNDING LLC is also in violation of the FCRA ( Fair Credit Reporting Act ). I'm not sure how they received my private information. I did not give written or oral consent for them to furnish financial information to ANY of my consumer reports, LVNV FUNDING LLC has committed identity theft. On my consumer reports LVNV FUNDING LLC states that, " account information disputed by consumer, meets FCRA requirements '' these statements are false, I never received ANY written notices from LVNV FUNDING LLC or documentary evidence that proves their claims that I owe them the alleged debt. LVNV FUNDING LLC is committing fraud and invading my consumer rights to privacy. LVNV FUNDING LLC has also caused me embarrassment and defamed my character, and harming my credit worthiness and reputation by furnishing false information on my consumer reports. Furthermore, I have never done business with LVNV FUNDING LLC so I would like to know how they received all of my private financial information. I would also like to know who gave them consent to contact me or report anything to my consumer reports. If LVNV INC has any contractual proof of my consent or obligation of the alleged debt, they need to provide it to me in writing immediately. LVNV FUNDING LLC is violating federal law. I need answers and this matter needs to be resolved immediately.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Company Name : XXXX XXXX Date of Inquiry : XX/XX/year>XXXX  Company Name : XXXX  - Date of Inquiry : XX/XX/year> Company Name : XXXX - Date of Inquiry : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Mortgage

The reason for this complaint is that SPS is holding my account hostage from me reinstating it. I requested a PAYOFF via the automated telephone line on XX/XX/XXXX. I put in my fax number. I received that the same day. The same day I also spoke to representative and advised them that I also need a REINSTATEMENT to bring my loan current because I am getting a new second loan that will reinstate my first loan and the investor is requesting a payoff and reinstatement. The payoff is for the investor to see what hes going behind and it was required per the loan terms. Never received the reinstatement. Called to follow up on it XX/XX/year> and was advised there was XXXX never ordered. I personally spoke to representative who stated they absolutely 100 % put the request in. Please pull the call. This is completely unacceptable. XX/XX/XXXX, that same day, I spoke to a supervisor by the name XXXX XXXX, and she stated that she only sees the payoff being ordered and she would PULL THE CALL. I am completely appalled that you hire employees who are incapable of doing their jobs properly. This is my property at stake.At this point, I am I requesting a postponement due to SPS, not doing what their job entails and delaying The opportunity for me to reinstate my property so that I do not lose it in foreclosure. Again, please pull the calls. 
At one point I was in a modification and paid all XXXX payments and because I paid the last payment on the last day of the month, they got it but it was " TOO LATE. '' I have been advised that if a payment was made and receivedby the last date of the month it would be accepted. All of a sudden it was not and the opportunity was taken from me. I NEVER RECIEVED THESE FUNDS BACK EITHER. Attached is also proof of that which coincides with the fact that I have done everything I can, but yet SPS still wants my property. SPS has my bank statements which also show I have proof of Funds to reinstate the mortgage as well but as we all know, I need the EXACT AMOUNT. The investor I had lined up backed out as I did not provide the reinstatement in writing to him in a timelymanner, the title company stated that even if we have the reinstatement at this point they would still not be able to release the funds to escrow in time per the deadline of the sale date. I also need to get with my financing manager to release the funds and as we all know that I need a reinstatement. I wanted to utilize the equity that I have which is well over XXXX XXXX dollars and to pay the loan off would be the amount of XXXX, XXXX.I have more than enough equity which is further proof that SPS wants to steal my property from me.I do NOT WANT TO PAY IT OFF THOUGH! I only want to reinstate it and bring the loan current. I have no other choice at this point to either pay the loan current or lose it!!! I do NOT want to have to use my own cash either if I have the equity to do a new second loan and that is regardless because SPS should NOT care how or who they receive the funds from.
Product: Debt collection

On XXXX XXXX XXXX my Federal Student Loans were fully discharged as part of my XXXX XXXX XXXX  proceedings. The court confirmed that Nelnet was duly notified of my impending discharge and did not contest it, leading to the finalization of the discharge. I believe Nelnet was aware of this, as they temporarily removed the debt from my credit report. However, it has since been reinstated by them, which is legally incorrect. I have uploaded the certification of my discharge to the Nelnet website and have also sent messages and emails to them numerous times regarding this issue over the past month, but I have yet to receive any response or acknowledgment.
Product: Credit reporting or other personal consumer reports

This company has outdated systems that misinform the consumer of what their account balances actually are as well as kick payments back with no reason why. Ive gone into the bank on serval occasions to be told someone would contact me and no one never will. Ive looked online and this is an ongoing problem with this institution.This banks makes it next to impossible to service accounts within their bank. I have all these improprieties documented. 
XXXX. When you login to pay your bill the companys system states no payment is due making you think its already been paid in hopes of collecting late fees. 
2.You schedule auto pay and get a confirmation page stating its confirmed the company doesnt take the auto pay out. Ive made 3 payments in one month because of this companies lack of up to date abilities.

3. This may not be illegal but it is certainly not good customer service. When you setup autopay You are only able to pay the minimum payment or the entire balance payoff. This is a reckless banking institution and because of their callous actions my credit has been ruined for a {$10.00} payment they said was already paid. And failed to correct the problem after they were informed of it.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Department Of Education ( ALL ACCOUNTS ) ; Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX : Self Attestation, Drivers License, Bank Statement , Utility Bill Proof of identity Drivers License, Bank Statement , Utility Bill, Trafficking documentation Self Attestation included
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a identify theft victim, & my information was Exposed in a data breach with my current employer in XXXX XXXX. XXXX, XXXX & Equifax. I sent & faxed Bankruptcy removal letters & credit inquire letters to along with the police report to support this. & they still refusing to remove these things off my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update/correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$880.00} ; XXXX XXXX  XXXX Balance Owed : {$5800.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$35000.00} ; XXXX  XXXX XXXX Balance Owed : {$3400.00}
Product: Checking or savings account

On Saturday, I requested a transfer of funds from my savings to my checking account using the Bank of America XXXX app. I only have these XXXX active accounts with BOA, and the app did not offer any other options. Typically, these transfers process immediately, but when I checked the next day, the funds had not been transferred. 

On Monday morning, with rent due that day, I called BOA immediately. I was told that everything was fine and no mention was made of any credit card involvement. Then, on Tuesday, I received a call from my management company stating that my rent payment hadnt processed and that I would be charged a fee of {$270.00}. 

I promptly called BOA again and spent several XXXX speaking with multiple supervisors. They informed me that the money had been transferred to a credit card by mistake and that it would take at least XXXX business days to reverse the transaction. I filed a formal complaint ( XXXX XXXX ) and repeatedly explained that this delay would cause me significant financial damage and further issues with my management company. Despite my insistence that this error is unacceptable and my demand for an immediate resolution, BOA representatives maintained that they could do nothing except require me to wait and offered no compensation. 

I am seeking immediate reversal of the transaction and full reimbursement of my funds, as well as compensation for the fees and damages incurred due to this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  is trying to collect a debt that they can not validate as mine. They refuse to provide copies of original contract and bill outlining the alleged balance and are reporting the account as open when it is closed meaning inaccurate information to XXXX and Equifax. The credit amount owed is incorrect and has not been validated. I never signed a contract. They refuse to provide or show any proof of contract showing tht the debt was ever mine. Id like it to be removed from my credit reports and for the bureaus to delete this from my account
Product: Student loan

I am on auto pay and I would like to have more taken out each month so I can get ahead on my loan automatically. Navient does not support this - per their help file " Your recurring Auto Pay amount ca n't exceed your monthly payment due at this time, '' I feel that is is misleading. Currently to make an extra payment I have to remember to manually do this each month. The only way I could increase my auto payment amount is to change my loan term to a shorter term which is not what I want to do. If I went that route and I ca n't make the revised much larger payment - I am in default and will owe fees. ( I did go that route about 5 years ago for a {$100.00} increase before I understood this would change my loan term. ) This feels intentionally like a way from stopping me from paying my loans early and should be stopped. I also find the details very confusing and for uneducated consumers it really might set them up to fail- they think wow I am doing great paying more each month - only to realize there is no going back to smaller payment terms without going into some sort of alternative payment option, forbearance or hardship.
Product: Student loan

Navient offered me a crazy deal to lower my payments but didnt tell me that this deal that would help me would really cause me to never pay off the principle but only pay interest for the rest of my life. XXXX XXXX was also cheating me. I have paid off many loans in my lifetime and have never dealt with anything as illegal as this situation. Please help me. I have simply stopped paying them. I had consistently paid them {$30000.00} of a {$50000.00} loan but the balance remains at {$50000.00}.
Product: Debt collection

Attached are pictures that I cleaned the apartment when I left the address XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, tx XXXX. I have videos of me trying to pay XXXX XXXX XXXX and she refused to accept my payment which led to her wrongfully sending an eviction notice. I filed a police report with all of my videos and pictures as proof. A email was also send to the department of Justice criminal division in regards to fair housing red lining violations.
Product: Student loan

In XXXX-XXXX of 2018 I was unable to make payments due to being out of work. I was not receiving any income due to a medical leave of absence. I am up to date with all payments and made back payments as well. Please consider removing this from my credit score as I was unable to control hospitalization. I am now trying to purchase a home and due to my low credit score, I am being denied the loan amount needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraudulent. I have been a victim of identity theft for the past XXXX years and there is an active police report on file with all XXXX credit bureaus. 

I need all of these inquiries deleted frok my credit report. 

XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX Dealers XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit card account that is XXXX XXXX XXXX that they will not remove. I have disputed this repeatedly. The date opened is XXXX 

There is also a original account from XXXX that was bought from debt buyer. The dates are wrong. I have submitted documents to them of original account. I'ma XXXX XXXX and XXXX. My ex husband transferred the contract with XXXX XXXX after we separated. I didn't know he was going to divorce me by public notice. That was not the plan we had in place. It was a dirty truck so he didn't have to pay alimony or help pay the debts he racked up on the credit I opened bc he had a poor credit score. This was all calculated on his end. He had a girlfriend and I didn't know at the time. Some of these accounts and loans I opened and he used .. and I got left. Anytime I try and dispute anything.. and experian won't verify anything. I feel victimized all over again. I never got to go to court after being married to this man after 20 years. I found out after going to the XXXX XXXX on XXXX. If that judge wanted to find me.. he could.. I was with a friend. Bc I was sick.. emotionally and physically from the abuse and stress. Me and my ex and kids still talked, text. And he claimed I went missing and the judge bought it. Unbelievable. Im nauseous thinking about it. He took my youngest son to a different state. He kicked me out of our accounts. We had a discussion before I went and Stayed with a friend. Then he started taking my son 's XXXX. My son never had things he needed. Even when he turned XXXX and the check was supposed to go directly to my son. It ended up in my exes hands. My son was still in high school at XXXX. My son had a work. Me and my mom had to send him money constantly. And this man makes XXXX figures. I called social security several times. Last time they wouldn't talk to me said he was XXXX. My ex has bought boats and other extras when I don't have anything. My son has had to work. My oldest son is a XXXX and he has stolen money from him when he's been deployed. This is the piece of XXXX we're dealing with and no one does nothing about it. When we were together. I made sure the XXXX  money was spent on THEM. They got almost {$400.00} each. Then after my oldest son turned XXXX. My youngest son was getting almost XXXXit went to my ex. And me and my mom constantly sent money. Im below the poverty level. She is XXXX. On social security and she works. Afraid to say anything to him. He makes XXXX figures. XXXX XXXX. He divorced me the way he did bc he didn't want to pay alimony or child support. He painted me as something I wasn't. He is XXXX. and steals from his children.. and I'm left with debt he racked up. Im so over it
Product: Debt collection

I just found out I had a debt from IC Systems and found outs its a phone bill company I never loaned with
Product: Credit card or prepaid card

On XX/XX/2019 fraudulent charges were made on my Bank of America credit card. Several different charges and different amounts were made, all of them to XXXX XXXX. Halfway thru the charges being done it was flagged as fraud due to the large amount. I spoke with the company and confirmed it was fraudulent and they took immediate action. Unfortunately this caused further confusion on the account as some charges went thru, some did not, and then on top of it XXXX XXXX refunded some of the charges. It appeared that our account went up approximately {$4000.00} dollars before the claim was handled and credited. On XX/XX/XXXX we received correspondence from the credit card company that the merchant had credited us for {$1900.00} so they were going to reverse the credit they gave us. We then received a second correspondence on XX/XX/XXXX that they had completed their investigation and it was considered closed. On XX/XX/2019 they added {$4300.00} onto our credit card balance stating that they had double credited us in XX/XX/XXXXand added back interest as well as other fees onto our account. Since the claim was already closed how are they able to still claim we were double credited? I could not find evidence that we were double credited and even if we were why are we being punished for their mistake through the fees and interest?
Product: Bank account or service

I was charged overdrafts on my bank account for previously pending charges while still being allowed by my bank to withdraw {$180.00} out of a check that I had just deposited for {$500.00} their claim was by letting me have the {$180.00} it made my pending authorized purchases Invalid and that I was charged a overdraft fee for every purchase even though I still had the same check which I was allowed to purchase {$180.00} worth of merchandise on in my account if it was good enough to cover that it should also have covered the XXXX prior purchases which came to a combined total of {$11.00} also in addition to this my monthly social security checks were also entered my account for a total of {$750.00} all of this activity occurred on XXXX/XXXX/2015. The reason that I know how much I was authorized to spend out of the {$500.00} check that I deposited was because the initial total of my merchandise came to {$310.00} when I swipped my ATM card it only authorized me {$190.00} so I had the purchase voided and the {$190.00} put back on my card I then choose {$180.00} worth of merchandise which I was allowed to purchase, but before depositing the check and with everything pending I still had {$1.00} in my account. When I went to the bank about the overdrafts, I was given XXXX different explanation over the course of two days, first by the teller initially, who said it was because I made a purchased of {$6.00} on XXXX/XXXX/2015 I then asked to speak with the manager he was busy, so after waiting about a half hour the assistant manager said she would look at it she gave me an entirely different explanation, telling me that they really did me a favor by letting me have the {$180.00}. Becaused the check had not cleared this was on XXXX/XXXX/2015. I returned on XXXX/XXXX/2015 this time I met with the manager who gave me still a different explanation but advised me to take the overdraft protection of my account and said that he would refund XXXX of the overdrafts.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra and hippa violation taking more than 30 days inaccurate information sent the po report too many to count the XXXX breach has cost me my life they are taking more than 30 days not 100 % correct