23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I noticed LVNV FUNDING, LLC is reporting an account on my consumer report ( XXXX  and XXXX  ). I know that after a debt collector contacts you about your debt, you have 30-days to request debt VALIDATION according to the FDCPA. To which I submitted multiple debt validation letters via certified mail to the debt collector. Under remarks it even reads " consumer disputes this account information. '' Also, keep in mind according to 15 usc 1692 ( g ) ( 4 ) when a debt collector is notified that a debt is disputed ( when I disputed the validity of the alleged debt ), the debt collector, in this case, LVNV FUNDING, LLC is supposed to obtain VERFICATION, not validation of the said debt. XXXX did you VERFIY the alleged debt because no documents supporting the VERIFICATION of the said debt was provided. Furthermore, how can a debt collector say they gave a loan to a consumer that holds an open end credit plan ( all consumers hold open end credit plans ) which, btw we can regularly extend to ourselves through our true " credit card '' under 15 usc 1681. How then, can one be a barrower if the consumer is the true " debt '' collector? A consumer cant barrow from what he/she initiates.

LVNV Funding LLC is a company known for buying charged-off accounts from companies like credit card issuers and personal loan lenders. We know that a charge-off is a debt that an original creditor has given up trying to collect on after a number of tries. This company brings in an annual revenue exceeding $ XXXX. What's crazy is that it is completely ILLEGAL for anyone outside of the Federal Reserve Board to use Federal Reserve Notes aka FRN 's from a consumer to make, what you all like to call it " payments '' towards an alleged debt ( according to 12 USC 411 ), especially any " LOAN '' where we know the consumer extended credit to themselves, solidifying the fact that any " CREDIT TRANSACTION '' was already paid for with a consumers social security " card ''. ( define credit card ). So contrary to what is portrayed on my consumer report, LVNV Funding, LLC did not give ( loan ) me anything. I am the original creditor according 18 USC 914. Keep in mind, the statute of limitations on this said debt is up in relation to where I reside ( 6 years ).

YOUR ( LVNV Funding, LLC ) collections practices have been used to slander my name and ruin my reputation and according to 15 usc 1692 ( d ) a debt collector may not engage in any conduct : the NATURAL consequence of which is to harass, OPPRESS, or abuse any person in connection with the collection of a debt. 


I do not know this company. I have never done any business with this company. This company does not have a contract with my signature and pursuant to 15 usc 1681 ( b ) ( a ) ( 2 ), I never gave written instruction for this company to furnish any information on my consumer report.
Product: Debt collection

ON XXXX/XXXX/15 @ XXXX XXXX XXXX OF PROFESSIONAL ACCOUNT SERVICES INC OF XXXX TN CALLED ME THREATENING TO TAKE LEGAL ACTION AGAINST ME FOR NOT MAKING A PAYMENT ON AN ARRANGEMENT. ON XXXX/XXXX/15 THEY RECIEVED AND POSTED TO MY ACCOUNT A CHECK FOR {$5.00} WHICH WAS THE ARRANGEMENT. SHE WAS SO HOSTILE AND THREATENING THAT I WAS REDUCED TO TEARS. AFTER VERIFYING I HAD IN FACT SENT THE PAYMENT AND THEY HAD RECIEVED THE CHECK I CALLED HER BACK SHE WAS JUST AS RUDE AND HATEFUL THE SECOND TIME AND CONTINUED TO TALK OVER ME AND ARGUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

as with ID # XXXX, no litigation involved.Experian is reporting accounts the creditor has reported update, experian have XXXX XXXX XXXX  reported to c.f.p.b. on respond on complaint # XXXX, for credit bureaus to update accounts experian is reporting account # ending in XXXX bank/XXXX  which is a federal for given debt, under account # ending in XXXX with a bal OF $ XXXX updated XX/XX/XXXX. account ending in XXXX, last up date XX/XX/XXXX, which is also a federal forgiven debt -- -- sent by certified mail, XXXX 1099-c forms two reports from experian, one dispute form, one complaint respond from creditor.
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I noticed some fraudulent accounts. Please delete these entries from my report, as they are stopping me from getting credit. I do not recognize these accounts. 

Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have sent multiple rounds of disputes to the creditor XXXX XXXX and also to the 3 bureaus XXXX, Experian, and XXXX with little resolution about my identity theft situation. 

The bureaus keep sending me letters saying they are showing XXXX XXXX account as accurate and arent removing the fraudulent inquiries
Product: Credit reporting or other personal consumer reports

Could you please take a moment to review and examine the attached documents? Your feedback and insights would be greatly appreciated. Thank you for your time and consideration
Product: Credit card

Pay Pal Credit issued a fraudulent credit card in my name that experienced more than {$1500.00} in charges, yet I only learned this after seeing their ( fraudulent ) Credit Inquiry on my XXXX Credit Report. The Consumer Financial Protection Bureau ( CFPB ) facilitated my request last year ( case number ending in XXXX ) that fraud be acknowledged, the account closed, and the XXXX inquiry be removed. 
Although Pay Pal Credit and their legal counsel mailed letters to my home with a promise to remove the Credit Inquiry, they failed to do this. Credit Reports have been pulled twice and XXXX insists Pay Pal Credit must submit a request directly to them. Pay Pal will not provide written evidence to me, nor resubmit their electronic request to XXXX. Instead, they insist I file " another official complaint '' to a XXXX address. 
I did not initiate a request for credit with them and am uncertain of information originally used to commit the fraud.I find it unreasonable to ask someone with no prior established-business relationship to submit sensitive personal information ( such as SS # and date of birth ) to a XXXX XXXX. 

Instead, I am again requesting CFPB assist in the removal of their fraudulent Credit Inquiry, negatively affecting my XXXX credit score.
Product: Mortgage

XXXX mortgage is reporting inaccuracies on my credit report negatively affecting me.
Product: Credit reporting or other personal consumer reports

My Information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete this illegal accounts form my credit reports. List all these negative accounts for you Equifax credit report. Account names and account numbers and file your complaint with the CFPB
Product: Debt collection

This is my second attempt to remove these accounts and inquiries from my report which is causing me defamation. I asked to have my inquiries removed the company responded that they would have to remain on my report for at least 2 years. I am now requesting for the company to prove to me that there is an open account tied to XXXX XXXX XXXX AND ALSO XXXX XXXX XXXX XXXXXXXX. I can express more about the laws from 15 USC 1681 Permissible purposes ( to get these cleared off ). Accounts : XXXX XXXX XXXX for {$630.00} and also another for {$600.00}. XXXX XXXX XXXX for {$6100.00}. XXXX XXXX for XXXX. I have explained that the debt has been sold over to a third-party debt collector which means it is now considered a certificate of indebtedness. Which goes along with the XXXX cancellation of a debt. certificate of indebtedness is income that must be removed. I've also sent an opt-out notice, 16 CFR 313.7 form of opt-out notice. I am opting out of any authorization I may have given you written unwritten verbal or nonverbal. I would also like to highlight the importance of The Privacy Act of 1974!
Product: Credit reporting

I joined the XXXX and reported on my XXXX birthday. My unit began to process my security clearance and the Trans Union report comes back with XXXX line items that were fraudlently applied to my social security number by my biological mother. In order to continue security clearnance processing I need correspondence from Trans Union to show that they are investigating the fraudelent line items. They indicated that they are investigating the line items, but refused to send me written confirmation of this action. I spent over XXXX hour on the phone being transferred through multiple " supervisors '' that were unwilling or unable to complete this task. The reason varied stating words to the effect of, " We will not do that '', " We can not do that '', " Our system is n't working, you must call back tomorrow '', or " We can not talk to you ''. They attempted to change my address to the temporary Military training address I am using while in XXXX Missouri. I will need it sent to the Military installation I am training at, and not my home of record that is associated with my social security number. 

All I need is correspondence from Trans Union stating that the fraudelent line items are being investigated.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiries XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Banks XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit card

Barclays either accepts fraudulent transactions and passes them on to the consumer, or racks up fraudulent charges themselves - I can not be sure. 

On XX/XX/XXXX, my card was charged for {$130.00} at a XXXX XXXX in XXXX, Illinois. 

I reported this transaction as fraudulent as I live across the country and have never been to XXXX, Illinois. 

Barclays told me the card was physically swiped, which is not possible because the card never left my physical possession. 

Barclays did an investigation and somehow determined the charge was not fraudulent. They will not share how they reached this conclusion with me. 

On XX/XX/XXXX I faxed supporting documentation showing that I was on a business trip to NY on XX/XX/XXXX, nowhere near XXXX Illinois. I also sent my transaction history showing no purchases in XXXX, Illinois other than this fraudulent charge. 

Barclays did nothing with this information. On XX/XX/XXXX, I called Barclays, and they promised to investigate my updated information within 30 days. 

On XX/XX/XXXX I received a letter saying Barclays determined the charge is not fraudulent, again with no explanation, and no option for further discussion on the matter.
Product: Credit reporting or other personal consumer reports

i am filing a complaint against equifax failing to properly investigate my disputes regarding inaccurates in my credit report, despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence through investigation. This practice violates the fair credit reporting act ( FCRA ) 15 u.s.c. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the consumer financial protection act ( CFPA ) ,12U.S.C 5536 ( a ) ( 1 ) A-B, as a highlighted in the CFPB recent administrative proceeding ( File No. 2025 XXXX ) against them for similar violations, I REQUEST that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I was on payment plan wit capital one credit card. Everything was fine until cov19 hit. I spent hours trying get hold of them. I could never get through to them. I finally got hold them but, I pay with automated system. Because I couldnt get through because of phone line. So I never got chance to do anything. All I want is them to is put me back the automated phone system. To pay the bill, lower my payment.
Product: Vehicle loan or lease

Chase Auto has neglected to provide me with required monthly statements, continues to send mail to me at the incorrect address, and does not allow me to have online access to my account despite numerous attempts to get them to resolve all these issues. As a result, often I have been at a huge disadvantage in adequately tracking the proper management of my account, including being able to verify principal, interest, and posting of fees. This month Chase Auto reported my account 30-days late to the credit bureaus, significantly impacting my credit score and rating. I called to dispute the credit reporting because in the last email notifications I received from them, it clearly stated that my account was current and that the only payment coming up due was my XXXX payment in the amount of {$280.00}. They explained that my account was actually also due for the XXXX payment which was due on XX/XX/23. I was never notified that my account was running behind, was never sent a letter, an email or given a call or left a voicemail. The supervisor i spoke to confirmed they did not have my correct address on file and still could not explain why i have not been granted access to my account online so i can keep track of the activity, set alerts or monitoring. On XX/XX/XXXX, i received an email from Chase Auto showing that only an amount of {$280.00} was due on XX/XX/23. On XX/XX/XXXX, i received another email from Chase Auto stating " Payment Due- your vehicle payment is due soon ''. These billing communications never conveyed any messaging to indicate the account was past due, nor that potential credit impact would be involved if a payment wasn't received by XX/XX/23 ( Sunday ). I had no way of knowing the account was late until someone from Chase Auto called me the morning of XX/XX/23 ( Monday ) to let me know that the account was now 30-days late. I was extremely shocked to get a call the day 'after ' my payment was expected, why wouldn't they have called a day or two prior? It certainly appears not only negligent but also very much like predatory practices where they are benefiting of customers being late with payments to charge extra interest and fees. I have on several occasions asked them to fix the issue with my online account access, i have on several occasions asked them to update my mailing address yet they keep sending it somewhere else, it is their negligence that has caused this entire mishandling of communication and billing related to my account which has now also subsequently led to incorrect and unjustified negative 30-day late reporting. I also need to point out that i am a co-borrower on this account, my daughter makes the car payments, however, as a co-borrower i am also entitled to have access to my account so that I can track account activity. The supervisor i spoke to on XX/XX/23 suggested that I " borrow '' my daughter 's log in credentials to access the account. This is simply ridiculous to ask, nor do I think is the way a company as big as JP Morgan Chase should be conducting business as there is clearly no regard for individual customer privacy.
Product: Mortgage

Despite many attempts to communicate with lender ( via phone and mail ) I'm under impression that I'm a victim of predatory loan practices. For example : Payments continuously applied towards suspense to avoid correct principal applications. 
I was requesting account audit - no response. 
Communication with lender are pointless they are not fulfilled. It seams like customer service is to aggravate and in no way to help. It discourage you to communicate. 
Creating escrows where Lender is breaching a mortgage note. 
Mislead ( requiring flood insurance costing in excess of XXXX which was not required as determined by FEMA ).
Product: Debt collection

this company has a collection account opened on me - i have repeatedly requested any documentation which would validate me owing this debt - i sent mail to both the originator and this debt collection company with the information below - and both have refused to provide me this legally required information for over 1 year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Receivables Management XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX current date XXXX RE :  Collection attempts on a debt I do not owe. 


You have reported a collection account to the three major credit agencies. The amount of this account is {$220.00}. 

I do not believe that I owe this debt and I dispute it. 

I have no idea why i am receiving this bill. I have no idea what service was provided - when - where - by whom. 

In accordance with the Fair Debt Collection Practices Act formally known as and codified under 15 USCA 1692 ( a-p ), I am asking for, and you are required to provide me with the following information : a ) Why do I owe the money? b ) How this amount has been calculated in a way I can understand c ) Copies of the papers where I agreed to pay what you say I owe. d ) The name of the original creditor. e ) Demonstrate that you are licensed in my state, and provide this license number to me. 

Additionally, please provide this letter to the company for whom you are collecting so that they have notice of my dispute. 

Please inform any credit reporting agencies to which you have reported this debt to, that this debt is currently in dispute. I will require proof that you have done this. 

You are also required to cease and desist from contacting me in this and any related matters unless it is by United States Mail, and only for the purpose of informing me that you are terminating all efforts to collect or that you are taking specific court of legal action. 

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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : USDOEXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} USDOEXXXX XXXX Balance : {$0.00} XXXX : USDOE/XXXX  XXXX Balance : {$0.00} USDOE/XXXX  XXXX Balance XXXX {$0.00} USDOE/XXXX  XXXX Balance : {$0.00}
Product: Debt collection

A settlement was made with this collection agency and a payment plan was agreed upon, payments were made according to schedule based on letters and phone calls made by the agency. Letters and calls stop arriving and the agency takes out a legal order to collect on an inflated balance. When contacting the bank, the bank states that the deal must be worked out with XXXX XXXX XXXX, who then bully and lie stating they made calls and sent letters, none of which were registered mail.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having a sufficient funds when transactions were authorized, I was still charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation on my account transactions.
Product: Mortgage

On XXXX 2013 I purchased a property in XXXX XXXX, NJ. HSBC was the lender and servicer of the mortgage loan since the closing date. I 've never missed a single mortgage payment, and always paid on time as well. 15 months later i find out that the city did not receive any property tax payment from me for the first 8 months, and had sold the tax lien to an investor, and the investor had come to collect the payment, along with interest and penalty. Long story short, turns out that HSBC sat on their bums, collected my monthly payments and DID ABSOLUTELY NOTHING for 8 months. 

To make matters worse, I started researching into the issue, and was given a run around. HSBC referred me to the City property tax office, the City referred me back to HSBC. It took a lot of pushing to get to the bottom of the story. HSBC finally agreed to look into the matter, and concluded that it was a mistake on their end and they have " advanced all penalty/interest to my escrow account '' to compensate for the interest payment and any associated fees that were deducted from my escrow account. Great, problem solved! so i thought. 

Eh, maybe not. A month of XXXX later, i checked my statements and it turns out the refund was never issued. Here i am on the phone with them again for the last hour or so, getting transferred from department to department. The answer that i get now is that they are waiting for the city to give them a refund, so that they can then issue it to my account. 

WAIT, i thought the letter said they have " advanced all penalty/interest totaling $ XXXX to your escrow account, along with a lien cancellation fee in the amount of XX. 

Now they 've put me on hold again ... ..
Product: Debt collection

Enhanced recovery out is in collections for {$240.00} on XXXX XXXX XXXX XXXX XXXX XXXX debt. 


This is for equipment that was returned and we have receipts showing it was returned