23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The account being reported by LMNV Funding, LLC is not valid. The XXXX XX/XX/XXXX credit card for {$790.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XX/XX/XXXX who both billed for the insurance and offered it from the beginning. XXXX XX/XX/XXXXreceived notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX XX/XX/XXXXis in breach and LMNV Funding, LLC is attempting to collect a invalid debt.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX  XXXX for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, by inaccurately reporting an account that they no longer own. 

On XX/XX/XXXX, I requested XXXX XXXX to validate and verify an alleged debt associated with account number ending in XXXX. XXXX XXXX responded by stating that the account had been XXXX XXXX XXXX. Despite this, the account continues to be reported under XXXX XXXX 's name on my consumer credit reports with XXXX, XXXX, and TransUnion. 

This continued reporting violates 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to ensure accuracy and completeness. As XXXX XXXX no longer owns the debt, its reporting of this account is both inaccurate and misleading. Further, XXXX XXXX failed to provide any validation or proof of the debt under 15 U.S.C. 1692g of the FDCPA. 

My specific concerns are as follows : XXXX. XXXX XXXX continues to report a sold debt on my credit file, which is materially misleading and impacts my creditworthiness.

2. The failure to validate or provide proof of the alleged debt after my written request.

3. The negligence in updating or correcting inaccurate information with the credit bureaus, violating my rights under the FCRA. 

I have attempted to resolve this matter directly with XXXX XXXX through written correspondence, but they have failed to take corrective action. I request that the CFPB : 1. Investigate XXXX XXXX for its violation of FCRA reporting requirements.

2. Require XXXX XXXX to immediately remove the inaccurate account from all consumer credit reports.

3. Impose penalties and ensure compliance with consumer protection laws. 

Attached are copies of my dispute letters to XXXX XXXX, their responses, and evidence of the account 's continued reporting. I look forward to your assistance in resolving this matter promptly. 

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

I have disputed a dental bill on my equifax credit report. It was denied due to dental office provided record of my visit. I called dental office as well as cornerstone credit to explain my dispute. I did not deny visit my problem is this. 
1 ) the bill was sent to an address I lived at in XXXX so I did not know it existed. My husband and I currently use this dentist and they have our updated address so I dont know what they mailed something to an address from XXXX. 
2 ) the dentist at the time ( who is no longer with Office ) saw me to look at a denture he made that was giving me problems. He told me there was no charge due to circumstance of it not fitting properly. I was given the option to send to the lab for a few days with charge of around 500.00. I declined at the time because I couldnt afford it and did not want to be without it for 3 days at work. He put a temporary repair on it no charge until I could get a permanent fix. I did not know of or expect a bill for this. 
I disputed and was denied due to dental office providing proof of service I resubmitted dispute under the information I just provided to you On XXXX The estimated time for dispute under equifax web sight for investigation to be complete was XXXX XXXX XXXX. Checking the status of that dispute it was never completed by equifax. As of today XXXX XXXX XXXX conformation # XXXX Is still showing a pending status and has he ever been investigated. I did resubmit a dispute XXXX XXXX XXXX for the same debt and it was denied again. I believe my dispute should be granted due to the fact that the XXXX dispute was never completed properly according to my rights as a consumer their job was to investigate and complete investigation within a timely manner. It has not been completed as of this day. As far as my most current dispute on same credit issue I am disputing the conversation the doctor and I had about not charging me for the visit, as well as the mail not being sent to the appropriate address. The staff in the office currently are all mostly new as they had a huge turnover since my XXXX visit. When I talked to a lady in reception at dental office she encouraged me to dispute this, as according to her files are so messed up from old staff, I am still trying to fix things, we have found so many errors its a nightmare. I wanted the dentist no charge promise investigated and the problem regarding mail not being accurately mailed to me to be looked at I would like my disputed granted due to incomplete investigation from XXXXXXXX XXXX and would like proof of current dispute that was denied was investigated properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

A validation of debt letter under Fair Debt Collections Practice Act was sent to Portfolio Recovery Associates but they did not follow the requests of the letter within 30 days. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from Portfolio Recovery is considered fraudulent and invalid.
Product: Money transfer, virtual currency, or money service

My information was link threw the app I use called cash app over XXXX n it's connected to the settlement
Product: Mortgage

Countrywide Bank, now owned by Bank of America, did not provide ANY answers to my request for a loan modification in writing. The only resolution was done by phone and the employee told me several different answers as to the status of the loan modification. ( anything from " Yes, the modification was approved '' to " the modification is being reviewed and to check back with them in a couple of months. '' Employees that no longer work at Bank of America have stated, " The unilateral ploy to answer customers is to provide stall tactics. " ) Countrywide Bank is the originators of the loan, and I am claiming that they conducted themselves with predatory loan practices by artificially inflating the loan to benefit Countrywide Bank. 
The loan value depicted the value of the home, and it led me to believe that if Countrywide Bank would loan me the money for the home, then the home must be valued correctly, to the value that Countrywide Bank placed on the home at XXXX XXXX XXXX XXXX XXXX, CA XXXX, at the time of the mortgage. If the bank will loan me the money for the home, then great, they have a lot more tools and a lot more resources to identify what the true value of the home is. 
Following this valuation from Countrywide bank, the true value of the home was discovered by the real estate market to be much lower. The original loan amount was for approximately {$580000.00} USD, and the true value was found to be approximately {$250000.00} USD, Countrywide Bank artificially and intentionally, inflated the value of the home so that Countrywide Bank would be solely benefited, without assuming any of the risk or attempting to correctly value the home with the necessary resources that was available to Countrywide Bank at the time of the loan. 
By Countrywide bank and the new owners " Bank of America '' using stall tactics and other means to not move forward with a mortgage modification or some other resolution, they have placed me in a position of very few options and none of them that are offered will have me remaining in the home. Now the options are a " Short sale '' or " deed in Lieu '' or foreclosure, and the loan modification that was offered places the value of the home approximately {$800000.00} USD, which is no where near the true value of the home. 
Bank of America needs to establish a true value of the home, and since it is their fault for not providing a suitable loan modification so that I could remain in my home, and this will cause me to be homeless. I have no good options to place me in a home with even half of the square footage, and I claim that Bank of America should have criminal charges filed on them for Predatory Lending, and any other laws that they have broken with this mortgage.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for the loan for an emergency they told me funds would be in my account same day. I never received the funds now going on 3 weeks. I have been touch with them numerous times while they complete their investigation, they even confirmed by using their automated service to check my account that I never received the funds. But because I verified my account number with them and that is where they the funds went I am now responsible to pay back a {$5000.00} loan that Was initially only for {$1000.00} deposit. They have already tried to pull out a payment of {$290.00} which I stop and now they have me delinquent. Terrible lending practices!
Product: Credit reporting or other personal consumer reports

IN XXXX I REQUESTED THAT THE INFORMATION BE CORRECTED VIA A LETTER AND THE RESPONSE WAS THAT THEY WOULD NOT PROCEED TO DO SO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't understand how the Bureaus can all have different information, its so frustrating-they should all report the same information-one dispute for all.I am hoping to buy a home and this is hindering it for me and my family. These companies don't listen to the consumer and have way to much power over a persons life. Experian has 4 collections showing open accurate from XXXX XXXX for me in the amounts of {$120.00}, {$120.00}, {$110.00} and {$120.00}. I have disputed these twice. XXXX  and XXXX  have these same 4 accounts as closed. I think these should also be closed on my Experian report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 Late payments shown on my account from 2018 XXXX and XXXX I had my Credit card attached to a Gym membership and they charged me when i was in a situtation where i couldn't do anything about it. I've tried to dispute it through capital one. it shows late payments from 30 then 60 days during this time i was XXXX XXXX ( in basic training ) and unable to view my report. Please help me remove it. I always pay on time. this is the only time it shows I haven't paid on time. this is really hurting my credit score.
Product: Mortgage

I logged in to make my mortgage payment, however, their website was non working when I would hit the make a payment option. I would show up as loading for long periods of time and wouldn't go anywhere. When it finally took my payment, it was minutes after XXXX XXXX. 

I made the payment before midnight, but they still marked my payment as a 30-day late. The payment was submitted before XXXX. 
I contacted them and explained the situation and the trouble I had with their page while making my payment, but they said that they couldn't do anything about it, and that I would have a late payment reported to my credit.
Product: Student loan

My issue with Navient began back in XX/XX/XXXX. I was battling XXXX XXXX. I was undergoing XXXX, XXXX treatments, and ultimately ending up having XXXX. As a result, I had to stop going to school full time and dropped to part time and had to leave my job. This forced me to use savings towards healthcare expenses and taking care of my XXXX sons. I fell on a financially rough times, and was unable to make my student loan payments. I called into Navient to explain the situation. I was told that the school will notify them of my change in status and it would still be in deferment. I went to the school and let them know my health situation. I was told by a rep in the business office that I would be fine. However, I was not, I pulled my credit in hopes of purchasing a home in XX/XX/XXXX. I saw 6 late payments. I discovered 2 late payment was reported on XX/XX/XXXX and XX/XX/XXXX and for two of my accounts. I also discovered 1 late payment was reported on XX/XX/XXXX and for another two accounts. I have several other accounts that were not affected at all. Which is baffling to me, because they were still in deferment when the other 4 accounts were not. Also during that time I was not informed that I was out of my deferment period. I sent out a goodwill letter along with Supporting documentation on XX/XX/XXXX. However, they denied my requested. I called several time to get the matter resolved. Then Navient started adding balances and subtracting balances from my accounts seems like weekly. Which has yet to be explained to me by a representative of Navient. This is also adversely affecting my credit score. I am trying to purchase a home and the frequent updates are detrimental to this process. They have not notified me in writing yet on why the frequent amount changes has been taken place. I am respectfully asking that all 6 late payments during the XX/XX/XXXX-XX/XX/XXXX be removed and set current. Also, I want all loans older than 7 years off my credit, as that is more than the Statute Of Limitations for my state. I need this done as soon as possible, because Navient is doing illegal collecting and reporting practices. Thank you so much in advanced!
Product: Debt collection

I submitted a letter dated XX/XX/XXXX certified on XX/XX/XXXX to XXXX XXXX collection agency requesting documentation this agency has the right to collect on a discharged debt. XXXX XXXX sent me a letter advising me this collection was assigned to them ; however, XXXX XXXX fail to provide me in writing any written agreement between XXXX XXXX collection agency and Speedy Cash. The information provided was the loan agreement signed with Speedy cash, whom choose to charge-off this balance. I contacted XXXX XXXX by phone on XX/XX/XXXX, to discuss that this item should be removed if they could not give me the requested documentation ( written agreement between XXXX XXXX and Speedy Cash ). XXXX XXXX representative stated their company can't provide that in writing only verbal. After this call and I indicated this amount is not collectible and XXXX XXXX doesn't have the right by law ; XXXX XXXX change the reporting payment to reflect past due which cause my credit score to drop by XXXX points.
Product: Mortgage

I applied for assistance in saving my home with Select Portfolio Servicing my servicer. They denied me on XXXX/XXXX/XXXX. I have an attorney helping me with the paperwork and they filed an appeal for me on XXXX/XXXX/XXXX. SPS sent me a letter on XXXX/XXXX/XXXX stating they received my appeal and they would respond to me within 30 days. I then received a denial of my appeal on XXXX/XXXX/XXXX. The problem and illegal action for which I am complaining is that SPS recorded a Notice of XXXX against my property on XXXX/XXXX/XXXX. According to my attorney, RESPA Reg X ( 1024.41 ) States no foreclosure action shall be ordered while a borrower is under an active review for loss mitigation. My appeal was not yet denied and I had not cancelled my request for appeal or review. The fact that they recorded a notice of sale on XXXX/XXXX/XXXX, which is 6 days before I was denied, is against Respa Regulations. In addition the denial letter makes no sense and basically confirms that they could appprove an affordable payment that is below XXXX % of my income. It also confirms they are using the wrong interest rate for my review. My current interest rate is 2.75 %. However, as you can see in the letter they are using my contractually due interest rate of 7.75 %. This is not how the guidelines are written. The review must use the current interest rate of the loan and not the interest rate of my loan from XX/XX/XXXX. SPS is basically just making up excuses and at the same time dual tracking my foreclosure. PLEASE ENFORCE RESPS REG X. What is the point of having Respa regulations without doing anything to enforce it. This CLEARLY shows on XXXX/XXXX/XXXX they confirmed my review was open and under review ( See attached letter ). How can they record a Notice of Sale on XXXX/XXXX/XXXX? RESPA Reg X states that the only way they can order a Notice of Sale to be recorded is after the appeal is denied or after I have advised them I am no longer appealing the denial. I never advised them I was cancelling my appeal. There are no questions regarding the timeline. They simply violated Respa Reg X by fling the Notice of Sale on that date. My attorney tells me that every time this happens, the servicer simply does nothing and continues with the foreclosure. CFPB does nothing except collect information and then I lose my home. CFPB in my opinion should demand the servicer rescind the Notice of Sale and re- record it if necessary after the XXXX/XXXX/XXXX date. Otherwise I am advising both CFPB and SPS that this home will be foreclosed illegally and I will pursue all legal action to reverse and cloud the title after the foreclosure if the Notice of Sale is not rescinded and re-recorded legally.
Product: Credit reporting 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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 card

I own Macys store credit card. Unauthorized opening of Macys Platinum card, item purchased. I was not notified, did not receive the card or stmts.
Product: Credit reporting or other personal consumer reports

I have a pending lawsuit against all 3 credit bureaus for their failure to accurately report my credit information. 

I need 3 things to happen by the end of this month or i will proceed forward with the lawsuit. 

1. XXXX  XXXX and any other derogatories need to be removed from my credit report now. These things are damaging my credit and I will seek relief if we have to go to court. 
None of the information matches on all 3 credit profiles By law the information has to match across all 3 bureaus. By law of 15 U.S. Code 1681s2 part A, I have a cause to believe this information is incorrect. I have repeatedly for years have asked for changes to made and you all refused!

2. It is illegal for my report to have late payments.

PEr law 15 usc 6802. A financial institution is not able to disclose nonpublic personal information to a non affiliated third party. You all have done this multiple times and understand there are fines that you all will pay if this lawsuit goes through. 

3. You all put on my credit report that I live in XXXX, TX. 
I have never lived there a day in my life. It is illegal for a credit bureau to falsify information on a consumer credit report. This alone has impacted in me getting many denialS of credit because they couldn't verify my location. 
THIS HAS NEVER BEEN CORRECTED.
Product: Checking or savings account

I currently have a subscription to XXXX is set up on a monthly payment that comes out every month. The default card that I had attached to my account was canceled out several weeks ago and I was issued a new card. I forgot to update my payment information until today. But the payment still came out on my old card. So when asking the financial institution how this happened they asked me that I wanted to dispute the payment. No, I do not want to dispute the payment. Im just curious as to how a card that you canceled out, still making payments.
Product: Checking or savings account

I entered a verbal agreement to exchange currency with a person over XXXX. He agreed to send me {$27000.00} first, then I would send equivalent amount in XXXX to a XXXX a/c designated by him. On XX/XX/2022, he sent me an image of wiring ( the exact subject transaction ). On XX/XX/2022, the subject wiring was settled and that amount became fully available in my account, and then I followed thru by wiring XXXX  XXXX to the account designated by him. After learning that the subject transfer was a suspected fraud from Key Bank on XX/XX/2022, I filed a police report with XXXX XXXX. I also reached out to the XXXX bank that I wired XXXX  from, and asked them to recall my wire, but they told me it was too late to recall that wire transaction. At this point, I stand to lose all of the {$27000.00} if you return the money to the sender and I would become a victim of either fraud or misoperations of banks. 
I have tried many times since my account was blocked, reaching out to KeyBank customer service, fraud department and the XXXX branch where my account was opened. Despite so many different phone calls, no one in Key Bank had ever told me that there was fraud on this incoming wire or asked me about it. This transaction is part of an agreed currency exchange of XXXX currency and USD with this person. And I already wired the XXXX  amount equivalent to {$27000.00} to the person as per the agreement, after I saw this income wire of {$27000.00} was settled on XX/XX/2022. If you return this wire, I would lose all of {$27000.00}. I opened a police case on this potental loss with XXXX Police in WA. The case # is XXXX. I now urge your bank to honor the settlement of this wire transfer and unblock my account.
Product: Payday loan, title loan, or personal loan

applied for a loan through XXXX XXXX to one main on XXXX XXXX 2017, received an approval for 2 types of loans. XXXX car and up to XXXX personal. Document says just need to finish up bring your check book to One Main in XXXX, NJ. I get a call on Monday asking for different information saying that was a pre-approval. The letter is not it clearly states approved. they take additional information say it needs to go to underwriting and they will get back to me by the end of the business day. 10 minutes before they close I call and they said oh it just came out sorry we cant due to a bankruptcy that was discharged 7 years ago and open judgements, Mind you I pulled my credit today and have 1 judgement that is paid in full that I am waiting for it to come off. The information they gave me today is the same nonsense they gave me back in XXXX when I applied. I have attached the first letter from XXXX showing I had to provide more information and then was denied. I have also provided the letter from the XXXX stating approved and nothing saying otherwise.it states bring your things and we will fund same day. this is bogus false advertising and i 'm being discriminated against because someone did n't do their job right today and looked at the old denial possibly. big difference in letters and they are not looking at my credit from the 3 major bureaus who only how the one judgement