23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Violation of Federal Consumer Protection Laws and Request for Debt Validation I am filing this complaint against LVNV Funding LLC for violations of federal consumer protection laws under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). Below, I outline my concerns and requests for corrective action. 
LVNV Funding LLC has contacted me through various channels, including emails, text messages, and phone calls, attempting to collect an alleged debt. I dispute owing any and all debts to LVNV Funding LLC and request proper validation of the debt. The company has failed to comply with federal laws and regulations in their communications and reporting practices. 

Violations and Issues Violation of 12 CFR 1006.34 ( b ) ( 5 ) : LVNV Funding LLC has failed to provide clear and conspicuous disclosure of the debt 's details, including the name of the original creditor and sufficient information to understand the nature of the alleged obligation. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The company has not provided an itemized statement breaking down the alleged debt, including the principal, interest, fees, and other charges, making it impossible for me to assess its validity.

Violation of 12 CFR 1006.34 ( d ) : Communications from LVNV Funding LLC have lacked proper validation information, which must be provided in initial or subsequent contacts under federal regulations. 

Violation of 15 USC 1681-S2 ( 7 ) ( A ) : LVNV Funding LLC has furnished inaccurate or incomplete information regarding the alleged debt to credit reporting agencies without properly investigating disputes or ensuring accuracy.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts listed on my Experian credit report, as I believe they are unverifiable and inaccurate : XXXX. XXXX XXXX XXXX Account in the amount of {$870.00} Account in the amount of {$920.00} XXXX. XXXX XXXX XXXX XXXX  the amount of {$14000.00} Experian has previously responded to my dispute by stating that the XXXX XXXX XXXX accounts were verified. However, I have never received any documentation or proof of these debts from XXXX XXXX XXXX. Additionally, I have never had a contract or signed agreement with XXXX XXXX XXXX, a collection agency acting on behalf of XXXX. XXXX also has no record of any application bearing my signature. 

Similarly, regarding the XXXXXXXX XXXX XXXXXXXX account, I have not received any proof or validation of this debt. I have no recollection of any agreement or contract with XXXXXXXX XXXX XXXXXXXX, and there is no documentation provided to substantiate this claim. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to a full and documented verification of any account reported on my credit file. Without such proof, Experian has no grounds to claim these accounts are verified. Furthermore, under the doctrine of estoppel by silence, as supported in XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, it is assumed that failure to provide proof when required indicates that no such proof exists. Therefore, if XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX can not produce documentation proving these debts, it should be presumed that no such debts exist. 

I formally request that Experian : XXXX. Provide me with documented proof from XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX verifying the legitimacy of these accounts, including any contracts bearing my signature. 
XXXX. Delete these accounts from my credit report if no documentation can be provided. 

I appreciate your prompt attention to this matter and expect a thorough investigation, as required under the FCRA. Please respond with confirmation of your investigation and any resulting changes to my credit report.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$920.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Failure to Investigate and Correct Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally escalate my dispute regarding an incorrect account listed on my credit report. I have previously submitted multiple dispute requests to XXXX regarding the inaccurate reporting of an account from XXXX, but I have not received any response, nor have any updates been made to my report. 

The Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate information on my credit report and requires credit reporting agencies to investigate and correct errors within XXXX  days. Specifically : - XXXX15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) ** Credit bureaus must investigate consumer disputes within 30 days. 
- XXXX15 U.S.C. 1681i ( a ) ( XXXX ) ** If information can not be verified, it must be corrected or removed from the credit file. 
- XXXX15 U.S.C. 1681n & 1681oXXXX Willful or negligent noncompliance with the FCRA may result in legal action against the credit bureau XXXX including damages and attorney fees. 

Since XXXX has failed to respond to my dispute and has not corrected or updated the information as required by law, I am formally demanding that this issue be resolved immediately. If I do not receive a response within XXXX days**, I will have no choice but to file a complaint with the XXXX XXXX XXXX XXXX XXXX CFPB XXXX ** and consider legal action for Experians failure to comply with the FCRA. 

I request that you provide the following : XXXX. Confirmation that the **Bridgecrest** account has been investigated. 
XXXX. A written explanation of any findings. 
XXXX. A correction or removal of any unverifiable or inaccurate information. 

Please consider this letter as a **final notice** before I escalate this matter further. I expect a written response at the address or email listed above. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX  XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$12000.00}
Product: Debt collection

This company contacted me on numerous occasions to try to collect on an old debt. XXXX became very angry when I asked how old my debt was and also when I told her I refused to pay the fees of them trying to over charge my debt that was old. She was very aggressively told me we would go to court and I'll be sued. 

Back in XX/XX/2022 XXXX from the same company continuously harassed me on collecting. He made very rude judgements about me and commented on my life style and not being able to pay my bills. Was harassing me verbally and being verbally abusive. Threated I would get sued and learn my lesson when my wages get garnished. 

Not only am I having to deal with the rude debt collectors they are trying to collect on the debt of my old employer who I'm also getting harassed by because I left them at 5 years.
Product: Credit card or prepaid card

Pentagon Federal Credit Union did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The XXXX XXXX limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ref : XXXX XXXX XXXX / XXXX Approximately 6 months ago, I refinanced my mortgage from a 30 yr term down to a 15 yr term with XXXX XXXX XXXX. On XX/XX/XXXX, I received a phone call from XXXX XXXX with XXXX XXXX. Through further conversation, XXXX advised, I had a lot of built up equity in my home and asked it I wanted to hear about some great options that were available to me. I told him " I MAY '' be interested in a 10-15k home equity loan in XXXX '' XXXX replied, I'll email some information to you. The conversation was literally 1-2 minutes in length. 2 hours later it was revealed he did a HARD Inquiry on my credit WITHOUT my permission and sent me a sales contract. At no time, did we even discuss rates or actual options. How he obtained my personal information i.e. date of birth/social security number is through their database when I completed my 15 year refinance loan 6 months prior. I immediately contacted XXXX XXXX via telephone when I received the email and left him 2 voicemails asking him why he pulled my credit, but I received no response. The next day, I contacted his supervisor, XXXX XXXX and filed a complaint. XXXX XXXX seemed receptive and stated, XXXX XXXX should have never pull my credit based on our conversation. On XX/XX/XXXX, XXXX XXXX sent me an email directing me to send an email back to him requesting the credit inquiring be removed from my credit report. I also generated a complaint with the XXXX XXXX XXXX ( Upstate South Carolina ) who contacted the company and relayed all information. complaint ID XXXX A few days later, I received a letter in the mail from XXXX XXXX XXXX 's Attorney stating their company did no wrong doing. Furthermore, he stated he spoke to XXXX XXXX and who advised I gave him consent. This is a TOTAL Lie. So, the whole process with the XXXX XXXX XXXX was just He said she said, with XXXX XXXX XXXX not admitting their employee was wrong. In addition, they never removed the unauthorized credit inquiring off my report. It affected my XXXX credit score and will remain in effect until XXXX. I NEVER INSINUATED OR DIRECTED XXXX XXXX TO RUN MY CREDIT OR WORK UP A SALES CONTRACT. Respectfully, XXXX XXXX
Product: Vehicle loan or lease

BMW Financial has failed to provide material disclosures regarding this consumer credit transaction. BMW Financial has failed to provide documentary evidence for this consumer credit transaction. BMW Financial has not provided detail regarding whether they have resold my promissory note.
Product: Debt collection

I have reached out to XXXX XXXX by phone numerous times to try and fix my locked out account. Due to this, I was unable to access the account starting in XXXX. Additionally, I never received a statement regarding the outstanding balance to my address. Additionally, the only way I found out about the debt collection was from my credit report on XX/XX/15. I did not even know I had an outstanding balance of {$180.00}, let alone could not see that there was anything still due. It is not fair that my credit is damaged because they ( neither XXXX XXXX nor the collection agency ) did not inform me of any debts due or even collection agency. I called dominion once again on XX/XX/15 who said they could not do anything because of my account being closed. I called the collection agency and paid as I try to work with both groups to figure out why they charged me in the first place. They never gave me any information on the debt. They admitted to sending the notice to the wrong address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
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 Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$540.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On multiple occasions, I have sent written requests to both Glasser and Glasser P.L.C. and XXXX XXXX XXXX representing XXXX XXXX  regarding the validation and verification of the debt they claim I owe. Specifically, my requests included : Validation of Debt : I requested that Glasser and Glasser P.L.C. and XXXX XXXX XXXX provide the original signed agreement or contract that validates the debt they claim I owe. 

Itemized Statement : I requested an itemized statement showing how the amount they are claiming was calculated, including any fees and interest charges.

Original Credit Application : I requested a copy of the original credit application that I allegedly signed when opening the credit card account with XXXX XXXX. 

Terms of the Account : I requested the terms and conditions of the credit card account at the time it was opened, including interest rates, fees, and payment terms. 

Despite sending these requests via certified mail, which were confirmed to be received by Glasser and Glasser P.L.C. and XXXX XXXX XXXX, I have not received the requested information. This lack of response is not only unprofessional but also a violation of both federal and Maryland state laws. 

Violations : Fair Debt Collection Practices Act ( FDCPA ) : Under the FDCPA, debt collectors are required to provide verification of the debt upon request. Glasser and Glasser P.L.C. 's and XXXX XXXX XXXX ' failure to provide this information is a direct violation of the FDCPA. 

Maryland Credit Act : The Maryland Credit Act requires creditors and debt collectors to provide clear and accurate information regarding the debt when requested by the consumer. Glasser and Glasser P.L.C. 's and XXXX XXXX XXXX ' failure to comply with this requirement is a violation of Maryland state law. 

Professional Courtesy and Ethical Standards : The lack of response from Glasser and Glasser P.L.C. and XXXX XXXX XXXX demonstrates a disregard for professional courtesy and ethical standards expected in the legal and debt collection industries.
Product: Credit reporting or other personal consumer reports

Within the last XXXX  months I have reported accounts and contacted companies and they continue to contact me. I have gotten NO updates credit report and NO validation I asked for as these accounts are not familiar to me. I do not have open accounts with the companies.
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 : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : # XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : 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 seven 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to the Bureau was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 


XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally contest the inclusion of a fraudulent accounts in my Transunion credit report. Despite submitting a dispute letters and the required documentation to the Federal Trade Commission ( FTC ), as per your guidelines, this accounts persist on my Transunion report. After uncovering these fraudulent accounts, I contacted the relevant companies, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged these accounts from their records after verifying its fraudulent status. I am puzzled as to why Transunion continues to report these fraudulent accounts, especially since the other credit bureaus have already removed them. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. 
I hereby request a comprehensive investigation into this matter and the immediate removal of these fraudulent accounts from my Transunion credit report. The companies have confirmed the fraudulent nature of these accounts, and its persistence on my credit report is unjustified and detrimental to my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient began giving deferments & forbearance 's for my loan, .... and suddenly I rec'v a bill for the total, ... PLUS interest, penalties - with my orig. loan being {$30000.00}, and the bill ( due immed. ) of {$53000.00}. 
A company called " XXXX XXXX XXXX '' is calling now, .... telling me my loan can be INSTANTLY forgiven! When I asked for information about the company- they just hang-up. 
Their number is : XXXX, ... ... which a search provides no information - except that it is suspected as a scam! 

I've heard that Navient is scamming people, ... & suffering from lawsuits thereafter, so I want my debt cancelled - in full! 
I'm not going to pay - just to be scammed.
Product: Debt collection

I just pulled my credit report because I noticed a XXXX+ point drop in my score on XXXX due to a new medical collection. The collection agency ( Phoenix Financial Services ) says it is from an ER visit from XXXX at XXXX. I have had no knowledge of ANY outstanding medical bills other than two current bills that I am currently making payments on from XXXX. I never received any notification in the mail from the hospital or the collection agency about any outstanding balance. I never received a notice of right to dispute the claim either. This is the first I 'm hearing of this. I contacted insurance company to check for an EOB, however they state that they do not keep records back that far ( only 3 or so years back ). I also contacted XXXX 's and they say that they do not have records back that far either. The company that is now handling their financial records took over some time in the past few years and they did not keep records going back to XXXX. There appears to be no way to verify this debt/collection effort. 

Again, I had no knowledge of the debt and I am asking that it be removed from all three credit bureaus as it is negatively affecting my credit. Any help you can provide would be GREATLY appreciated.
Product: Checking or savings account

Citibank didn't refund me the money in my account after closing my savings bank. I have called Citibank a lot of customer service calls but they are always making excuses. The reason I asked them about not refunding my money was because I deposited two checks in, and Citibank felt that there was a problem with one of them and asked me to contact the person who wrote me the check to talk to their bank. I made a special trip to his bank with the person who wrote me the check, and the bank told me that there was no problem with the check, and they had contacted Citibank to explain the situation. The bank told me that the check money had reached Citibank, and the bank could not make a claim without the check being ok. But I contacted Citibank customer service and the only option they gave me is that I need to go to this bank to make a claim, but the bank told me that if I want to make a claim, it will say that the check is stolen, so I can't do it Because there is nothing wrong with this kind of check. I was thinking that Citibank didn't want to refund my money, the only option they gave me was that if I wanted my money back I had to say that these two checks were stolen by me but I didn't, if I did it would affect me very bad. This is Citibank making a trap to make me jump, they just want to embezzle my money.