23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX is the installment loan I used for my XXXX aligners. XXXX, I received notification via email from XXXX XXXX XXXX  that they have filed to seek protection under Chapter XXXX of bankruptcy. I was approved for a realignment of my aligners due to fitting issues, and my appointment was on XX/XX/XXXX. I have a lot of unusable aligners, prompting XXXX to allow me to have the aligners adjusted per their Smile Guarantee. XX/XX/XXXX, XXXX notified me that they have ceased all XXXX operations, and customer support via their XXXX number is no longer available. The email also said orders have been canceled and will not be shipped, current treatment plans under the XXXX XXXX XXXX platform are no longer available, the XXXX XXXX XXXX is null and void effective immediately, and if there are any questions about treatment plans to refer to my healthcare provider or local dentist. This information is also currently on the small XXXX XXXX website. I paid my installment loan payments to XXXX XXXX XXXX for my XXXX XXXX XXXX  aligners. I have a lot of unused aligners because XXXX XXXX XXXX ceased operations. XXXX XXXX XXXX  has advised customers to continue making payments per the XXXX program. 
I spoke with XXXX XXXX XXXX and have constantly contacted them. I have made all required payments until XX/XX/XXXX because I'm waiting for more information as instructed on XXXX XXXX XXXX 's website. 
I spoke to XXXX XXXX and XXXX, representatives at XXXX XXXX XXXX, and have asked for a settlement for a lesser amount because of the inability to use the product I originally received per an installment loan ; the XXXX  guarantee is no longer available, and I asked if XXXX XXXX XXXX would settle for a lesser amount. I sent an email to XXXX financial direct compliance representatives XXXX XXXX and XXXX XXXX requesting a settlement due to the list of facts. I am still waiting to receive a response. I asked that the balance of this installment loan be forgiven and relieved of my financial obligation to Smile Direct CLUB and XXXX XXXX due to the financial burden of my treatment plan being abruptly discontinued. I have been advised that my loan payment is 30 days past due, and I risk collections efforts. I Have revoked their access to my payment details in my first complaint. However, this has not happened, and my payment information is still on file. I no longer want to be financially obligated for this installment loan and have reached out to XXXX XXXX XXXX with that request, resulting in unsatisfactory results.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX [ Optional : Email Address ] XX/XX/year> Attn : Experian, XXXX, and XXXX RE : Dispute Regarding Inaccurate Information and Notice of Civil Liability for Negligent Noncompliance under 15 U.S. Code 1681o To Whom It May Concern : I am writing to formally dispute inaccurate and/or incomplete information currently being reported on my credit file. This letter serves as both a dispute and formal notification that you may be held civilly liable for negligent noncompliance under 15 U.S. Code 1681o of the Fair Credit Reporting Act ( FCRA ), should this matter fail to be properly investigated and corrected in accordance with federal Under the FCRA, you are required to conduct a reasonable investigation and correct or remove any information found to be inaccurate, incomplete, or unverifiable.

Pursuant to 15 U.S. Code 1681o, any person who negligently fails to comply with any requirement under this subchapter with respect to a consumer is liable for : 1.Actual damages sustained by the consumer as a result of the failure ; and 2.The costs of any legal action, including reasonable attorneys fees.

Should you fail to correct or remove the inaccurate information within the legally required timeframe, I am prepared to pursue all remedies available under federal law, including seeking actual damages, legal costs, and attorneys fees for your negligent failure to comply with the FCRA.

I expect a written response with the results of your investigation within 30 days of your receipt of this letter, as required by law. 

Please direct all future correspondence regarding this dispute to the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Fraud for {$22.00} ; XXXX on my Comdata card
Product: Debt collection

Thank you for your recent correspondence. However, I HAVE NOT ENTERED INTO ANY CONTRACT WITH SPRING OAK CAPITAL LLC. Your office was sent a cease-and-desist letter XXXX XXXX mail number XXXX XXXX XXXX XXXX XXXX XXXX. In addition, your office was sent a debt validation letter XXXX XXXX mail number XXXX XXXX XXXX XXXX XXXX XXXX. To date your office has not provided the XXXX points of required documentation to validate the debts listed in this letter. YOU ARE IN FCRA VIOLATION!!!! YOU HAVE DAMAGED THE CONSUMER XXXX XXXX. Specifically, 15 US Code 1692g ( b ) disputed debts, 15 US Code 1681 ( a ) accuracy and fairness of credit reporting and 15 US Code 1692g validation, verification of debt 5 parts and 15 US Code 1681e-compliance procedures. Therefore, Spring Oak Capital LLC is Civil Liable for negligent noncompliance 15 US Code 1681o and civil liable for WILLFULL NONCOMPLIANCE 15 US Code 1681n. Pay the invoice enclosed for the violations AND DAMAGES CAUSED TO THE CONSUMER XXXX XXXX by Spring Oak Capital LLC pursuant to 15 US Code 1692k ( a ) AMOUNT OF DAMAGES. 15 US Code 1692c-Invoking Remedy. My specified remedy is included in this correspondence 15 US Code 1692c Specified Remedy.
Product: Debt collection

LVNV FUNDING LLC has literally brought me to a point where I cant even sleep or function as a human being. What is happening with my info Im not understanding and who is using it Im not understanding either. 

I came back to the states to realize my info has been used and LVNV literally has been draining my life for over a month now. I have received packages from them to remove these fraudulent accounts off of my credit and still havent heard anything back. There is 4 accounts in my credit from LVNV that I never heard of. They told me an address in XXXX was using that and the statements were being sent there. I lived in XXXX and in XXXX XXXX and currently Im in XXXX for work. This has ruined my life. I need LVNV to do the right thing and investigate the accounts. The accounts do not belong to me. THE ACCOUNTS DO NOT BELONG TO ME AND I NEVER OPENED any THESE accounts. 


REMOVE THESE ACCOUNTS FROM MY CREDIT LIKE WHAT IS GOING ON. I attached a police report to this claim and complaint and I have attached the necessary forms to prove my statement. 

I was not in the country during the time when these accounts were supposedly opened and used. These accounts were never ever opened by me. 

There is 4 accounts : LVNV FUNDING LLC {$620.00} LVNV FUNDING LLC {$720.00} LVNV FUNDING LLC {$890.00} LVNV FUNDING LLC {$3300.00}
Product: Credit card or prepaid card

Hi, I accidentally paid too little on my credit card. I was left with a {$5.00} balance on a XXXX credit line. I did not realize that I still had a small nominal balance. 

Bank of America did not place any calls to me or send me an email. If I had been contacted, I could have quickly paid off the remaining balance. I only caught that balance while randomly checking my credit records on XXXX XXXX. I tried to login to my account to make a payment, and they blocked my login for delinquency. I called and made a payment via IVR. 

I just found out that they cancelled my credit line on XXXX XXXX, XXXX for a {$5.00} delinquency on a {$18000.00} credit line. I opened this account while in college 18 years ago. This was my only delinquency situation. I was never called or emailed. 

I called Bank of America and was informed that my account was closed. There were no options made available to me than other to apply for a new account. 

Now, my credit card is cancelled and my credit bureau has red marks over a {$5.00} balance. This seems monumentally unfair and a case where automated workflow rules failed both bank and myself. A simple email would have resolved the situation.
Product: Debt collection

Midland Credit Management ( MCM ) is attempting to collect a debt with a misrepresented amount. This is in violation of the Fair Debt Collection Practices Act ( FDCPA ). MCM is also reporting inaccurate information on my credit reports which is in violation of the Fair Credit Reporting Act ( FCRA ). 

I have contacted MCM through the XXXX ( XXXX ) in an attempt to resolve this matter. MCM stated in the XXXX complaint, complaint ID XXXX, that they would stop reporting this account to the credit reporting agencies until additional information is acquired. Their exact words are : " While Midland Credit has acted appropriately and according to applicable law, it will inquire with the seller for additional information and documentation for the account. Once Midland Credit obtains the requested information, a response will be forwarded to XXXX XXXX through your office. The account will not be furnished to the XXXX major credit reporting agencies until Midland Credit is able to provide XXXX XXXX with further information. '' MCM has not provided this additional information to either the XXXX or myself and is still reporting the account to the credit reporting agencies.
Product: Mortgage

In XX/XX/XXXX I was experiencing financial problem. I called my mortgage institution for monthly payment assistance. I was sent a package requesting to notate my hardship and list of monthly bills. I wrote a detailed letter and gave account of my monthly bills. I was then called and informed I was approved for the modification for my mortgage and a package will be emailed to me to sign. Only after I signed and agreed to the terms will I get the assistance I needed. Of all the paperwork I signed I was given what was called a SHARED APPRECIATION agreement which I am attaching as well. I was emailed the information and told to return it that day. I signed and returned the package and my payments were greatly reduced. Just recently I was attempting to refinance my mortgage which would lock me into a much lower monthly mortgage amount at a fix rate. I was approved however while finalizing the paperwork I was told my mortgage company is requesting over {$5500.00} to be added to the payoff amount. I was sent the XXXX. I called because I did n't understand what it was and I was told that because they helped me with my modification, that anytime I sell or refinance my home I agreed to share in the appreciation of my home. They stated they would receive {$5500.00} of the shared appreciation because in 2012 they appraised my home at XXXX and I financed XXXX at the time of the agreement. I was never sent anything that I can remember stating {$5500.00} was the shared appreciation amount. I feel this is predatory loaning for a person in need financial help. I was rushed to sign and fax back the information. If I understood I feel I had no other options as I could n't afford the mortgage I was paying. They knew I was in financial distress and I know they took advantage of my circumstances. My payments went from {$880.00} to {$590.00}. When I received the loan I was told to make payments on time for the next XXXX years and they would forgive approximately XXXX each year and I did so without incident. It appears to me that signing this agreement was there way of getting back what they stated was forgiven. I feel that these mortgage companies are taking advantage of people in hardships and later making even bigger profits. The extra money I could be getting from my refinance is money homeowner can later use for children 's college, home improvements or paying off debt but predators like OCWEN found a way to take that away.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Mortgage

XXXX of XXXX I XXXX XXXX bought a house with Wells Fargo. During the process i was gifted {$20000.00} for the down payment of the house from XXXX XXXX to XXXX XXXX, Well Fargo on XXXX XXXX XXXX. XXXX XXXX Ca and XXXX XXXXXXXX XXXX XXXX told us we needed the gift letter in order to qualify for the loan. So we did. The letter was written up by the XXXX XXXX they signed it, the letter was notarised at the bank. Moving forwards to XXXX. The bank lost my document. They cant find it in any of their files. Ive been searching for this document for the past year. Wells Fargo said they didnt have it they dont see it in her files. Ive mad multiple complaints and escalation calls to customer service and they said they cant find it .Ive requested this gift letter in writing and faxed it to Wells Fargo which they got that on file as well. We got a call XX/XX/XXXX that they found my document in the archives department but they cant give it to us. The girl i spoke to kept saying we found it, we have it But you cant have it she didnt explain a way to get it nothing. I dont understand why we cant have a copy of our gift letter. We had other gift letter sent to us that Wells Fargo found in my file during this search for our the {$20000.00}. So why cant we have the gift letter document. The girl was rude and mean and didnt understand the urgency about giving me our documents.
Product: Debt collection

To my best knowledge I have no debt with any collection agencies or unpaid bills. Nothing is reported on my credit and I have not been contacted by any agency or original creditor via mail in last several years to address any outstanding balances. 

On Thursday XX/XX/year> I was contacted by an unknown number. The party refused to identify themselves or the company they were calling with. I was very clear in asking for what company they were calling with and they refused and just kept asking to talk to " XXXX ''. I believe it's a violation of the FDCPA for them to identify their company when specifically asked. I terminated the call only identified then by reverse searching the phone number they called from of XXXX and the company is Wakefield and Associates. 

On Friday XX/XX/year> at XXXX I received a text message that I was opted into text notifications for Wakefield and Associates XXXX debt collector. I again believe this is another violation of the FDCPA as they have contacted me outside of reasonable hours. 

I do not know the validity of the company and will not engage as I have concerns if this being a scam.
Product: Money transfer, virtual currency, or money service

Dear CFPB, I am filing this complaint against AirTM, an online financial platform, for withholding {$950.00}, which I earned through XXXX. As a new user, I was unfamiliar with AirTMs withdrawal procedures, which led to an unintentional confirmation of funds that I had not received. Despite providing proof and cooperating fully, AirTM has failed to recover my funds and has not taken effective action against the responsible party. 

Below is a detailed timeline and record of the interactions, highlighting my attempts to resolve this issue and AirTMs inadequate response : XX/XX/XXXX : I initiated a support ticket with AirTM to report that, due to a misunderstanding of the platforms process, I accidentally confirmed receipt of funds I had not actually received from a peer-to-peer ( XXXX ) cashier named XXXX. AirTM XXXX requested my transaction ID and email, along with proof of non-receipt, which I promptly provided, including my bank statement. On the same day, AirTM added the cashier, XXXX, to the communication, requesting that she verify the payment and provide proof of transfer. 

XX/XX/XXXX : AirTM XXXX acknowledged my message, noting that I bore responsibility for confirming the transaction but assured me they would continue efforts to contact the cashier and attempt recovery. 

XX/XX/XXXX : Despite my efforts to follow AirTM 's guidelines and remain patient, there was no response from XXXX. When I reached out to express my concern, AirTM XXXX advised against sending multiple messages, warning that repeated requests could result in penalties on my account. I complied with this instruction and awaited a resolution. 

XX/XX/XXXX : AirTM XXXX informed me that they could not recover my funds due to the cashiers lack of cooperation. They stated that they had restricted XXXX  access but did not offer any compensation or refund, effectively leaving me without my hard-earned income. 

Despite following XXXX guidelines, providing all necessary documentation, and waiting patiently, I have lost {$950.00} due to their platforms inadequate safeguards, lack of proper intervention, and failure to enforce their escalation and escrow policies. This amount is essential to me and my family, and AirTMs failure to safeguard funds within their system has caused significant financial and emotional distress. 

I am requesting your intervention to investigate AirTMs handling of XXXX transactions, lack of accountability in dispute resolution, and failure to protect users funds as per their advertised security measures. I believe this case reflects a gap in consumer protection within their platform that warrants immediate regulatory attention. 

Please help me to get my Full Refund as the amount is much for me Thank you for your consideration in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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

I have XXXX consolidated federal student loan with XXXX XXXX XXXX XXXX but now there are XXXX duplicate accounts with double my actual balance reported to the credit reporting agencies from Mohela. This has decreased my XXXX XXXX by XXXX points. I have not received a response from Mohela.
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. 
XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX : XXXX, XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, 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 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 or other personal consumer reports

They have been several inquiries that showing on my credit report without my authorization. Spoke with Trans Union about having them removed. Its been over XXXX  days. Still havent got a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX SERV # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  BANK # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to Experian on XX/XX/XXXX to investigate and substantiate incorrect information in my credit file. Experian responded and noted the information confirmed and accurate. I followed up on XX/XX/XXXX per my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency information within 15 days. Instead of Experian complying with my request, I received three STALL LETTERS. They have failed to correct my file within the required timeframe, and I demand that all invalidated information be immediately deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your help in a serious matter involving my credit report after reviewing my account I realized that they might've been reporting damaging information the fair reporting Acts a a voluntary surrender section 96 is different from a repo section 94 I did a voluntary surrender with my vehicle 5 years ago the information on my report is incorrect in conclusion I would like this statement from my credit report to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to XXXX  and Equifax on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Mortgage

My name is XXXX XXXX, I had a few concerns with the Shellpoint Mortgage Company, I recently completed a Mortgage modification with them a few months ago. I recently found out that shellpoint Mortgage reported me to the credit reporting agencies as late on payments. I was never later on my payments. I followed the bank process and the instructions, including making all the trial payments, s and continued to pay my mortgage even when I was told no payment due. I was diagnosed with XXXX in 2019, XXXX, and struggled with other chronic health issues. Still, I continue to cooperate with the bank only to find out they are deliberately reporting customers late so they may stop the customer from re-financing and leaving their organization. I recently found out that Shellpoint just settled a class action suit for dishonest practices and lying to current customers during the XXXX crisis and has recently settled. I spoke with the attorney and was notified this may be an additional complaint file based on bad business dealing with retaining the customer base if they are reported late on their mortgages, the opportunity to re-finance or leave the company is not afforded to the customer. Shellpoint is guilty of creating policies that do not allow for the customer to move forward by choice. I have requested a decision on how shellpoint arrived at their decision to report my account late. I was told 3-5 days, then change to 7 days, then change to 30-45 days. I have made a recording of my phone call to one of the representatives. Please help.