23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint against the collection agency LVNV FUNDG for their egregious violation of my consumer rights. It has come to my attention that LVNV FUNDG has placed a collection account ( Account Number : XXXX ) on my credit report without providing me with written notification of this alleged debt. 

Under 12 CFR 1006.34 ( b ) ( 5 ), I have the right to receive validation information regarding any debt that a collection agency seeks to collect from me. However, despite repeated requests, LVNV FUNDG has failed to provide me with any validation information pertaining to this account.

Furthermore, I have not been given the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). LVNV FUNDG 's actions are not only in violation of federal regulations but also disregard fundamental consumer rights.

Moreover, I strongly believe that LVNV FUNDG has engaged in false, misleading, and deceptive practices in their attempt to collect this debt. Such actions are in direct violation of consumer protection laws and regulations.

It is imperative to note that LVNV FUNDG has furnished this account to consumer reporting agencies without providing me with the necessary disclosures required by law. This blatant disregard for legal obligations is evident of their violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

In light of the aforementioned violations, I am formally requesting that LVNV FUNDG immediately remove the aforementioned account from my credit report. Furthermore, I demand that LVNV FUNDG cease all collection activities related to this debt until they have complied with all relevant laws and regulations.

If LVNV FUNDG believes that they have indeed provided me with proper notification, I kindly request that they furnish a copy of the certified receipt with my signature acknowledging receipt of such notification.

I trust that the Consumer Financial Protection Bureau will take swift and appropriate action in investigating this matter and ensuring that my consumer rights are upheld. I appreciate your attention to this urgent matter and look forward to your prompt response.

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX Email : XXXX Phone : ( XXXX ) XXXX
Product: Checking or savings account

Dispute # XXXX Filed on XX/XX/23 I called to report my phone stolen and to report fraudulent pay anyone transfers ( chime user to chime user ) Firstly I reported my phone stolen and that someone was using it to send themself money to their chime account. Im not sure why on this date the other account is still active as I can still see it in my payment history. Also chime was overdue on my temporary credit so they denied the dispute without investigating. They NEVER provide me with the documents used to deny ANY of my disputes. Chime has absolutely done no investigation on this dispute unless they have and allow users to behave in the way XXXX does. I do not know that person and they sent themself money from my account using my stolen phone. All of my personal documents and phone were stolen. Chime has done nothing to help me get my money for any of my disputes. Now they tell me rebuttals no longer get temporary credit on or before the 10th business day and I do not see any of that new information on their website, it makes me feel as if im being blacked out of temporary credit for any rebuttal.
Product: Payday loan, title loan, or personal loan

Called XX/XX/2020 to discuss account and was continued to add interest during a pandemic. I called to resolve the issue and was advised they will not waive late fees nor interest fees. Per the website, It says I only owe {$360.00} which is past due. They charged me {$370.00} to pay off the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR COLLECTIONS & OUTSOURCING Account # 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: Debt collection

Received a letter from " Linebarger Goggan Blair & Sampson, LLP '' stating I owe {$490.00} in unpaid court dues to the from an unpaid traffic violation in XXXX XXXX dated XX/XX/15. Not only can I prove I was not within XXXX XXXX on the day in question, I never once received any correspondence about this supposed violation prior to this letter. This letter also does not list any details about the vehicle that was supposedly involved in this violation. In XXXX  the name of this " law firm '', it appears multiple people are being targeted by this same scam in multiple states.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been in an ongoing dispute with TransUnion over the past 12 months. They have left MANY unverified accounts on my credit profile which is tarnishing my credit worthiness. I have asked them specifically to tell me 3 things. 1- What is the name of the person in their company that verified the accounts? 2- What documents did he/she use to verify them and where are they? 3- What is that person 's business address and telephone number? I have a right to know what they used in their supposed investigation to verify these erroneous accounts and they have not once provided me with this information.
Product: Mortgage

During the VA loan application process with Navy FCU it was requested by the loan officer that I submit a letter of explanation for a mortgage 60 day late on my credit bureau report. I submitted a response that the mortgage late was due to unemployment and submitted supporting documentation as unemployment as the reason for the 60 day late. The mortgage late was not due to financial mismanagement as unemployment was reason for the 60 day late. The loan officer communicated to me verbally over the phone that my application was declined due to financial mismanagement as the loan underwriter stated that due to my occupation ( working for a bank/financial services industry ) that I should have known better to make my mortgage payments on time on my rental property. This is a fair lending violation for discrimination and shameful conduct for Navy FCU as a financial institution that has a majority of it 's customers from the veteran community as a application for VA mortgage.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Mortgage

We have applied for refinance of our current home with J.P Morgan Chase, and we are concerned that we are not being treated fairly during the appraisal process. 

The appraisal report intentionally lowered the value of our home and it came out favoring the Bank 's interest for the following reasons : 1 ) The appraiser used homes in a different school district to benchmark against our home. Our home is located in the best public school district in XXXX, therefore, the high house price is driven mainly by the reputable school district. It is commonly known that the houses in the neighboring school district values $ XXXX lower than the houses in our school district. 

2 ) The appraiser used homes in a subprime location to compare against our home. Our house is situated in a quiet cul-de-sac court, and the appraiser used homes in a street corner or home right next to a major highway in the report, which definitely worth less than houses in prime locations. 

We have attempted to appeal the appraisal value on XX/XX/2020, but the appraiser declined to reconsider with the facts we stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO IS REPORTING ME 120 DAYS LATE ON XXXX FOR THE MONTH OF XX/XX/2021. THIS IS A COMPLETE ERROR AS THE ACCOUNT WAS SETTLED IN FULL IN XX/XX/2021. HOW CAN I POSSIBLY BE LATE ON AN ACCOUNT THAT HAS A XXXX BALANCE IN XX/XX/2021. I ATTACHED A SCREENSHOT OF THE 120 DAYS LATE REPORTING ON XXXX
Product: Payday loan, title loan, personal loan, or advance loan

ok i was contacted by text message by a XXXX XXXX agent named XXXX XXXX. she told me that i can be approved for XXXX usd loan from her. and the only condition was that i needed to pay for the XXXX  month in advance ( which XXXX ) to get this loan. she said that after receiving the payment which she says needs to be in XXXX, after receiving the payment the money will be deposited into my account in 30 minutes. so before i send the payment in i ask her is there any loan agreement that i need to sign, and her reply is dont worry we will deposit the funds into your account when you send the payment in. so i take this as being a verbal contract. so i change the the XXXX into XXXX  and send it in. after i send it in i tell her the blockchain says it will arrive at XXXX can i get at le4ast XXXX dollars for now and get rest later. the network is congested and we could done a faster way. she say ok give 30 minutes. then she returns and says i need to pay another XXXX now to receive the funds, and she says its are fundable process. i tell her that the agreement is XXXX which i sent already, the contract is set the minute i sent the payment, she says no you need to pay XXXX to get the loan i tell her to refund my money, she then says if you dont pay the XXXX you cant get your money back, you have pay XXXX. 
she says this as if i owe her the XXXX i tell her i paid XXXX cause you promised to deposit the money when i send it. i even told she is violating the truth in lending act by changing the agreement after i fulfilled my end of the agreement. i tell her i received nothing from you and telling me i cant get a refund and you are demanding that i pay XXXX like i owe that money .. first of all i paid XXXX for a XXXX loan with the promise of having the funds deposited after sending in the XXXX then im told i HAVE TO PAY XXXX and that im not getting my XXXX back wether i pay the XXXX or not. she refuses to refund my money after braking the agreement that was made. and keeps saying as if i owe her, that i have to pay XXXX and this is the end of it, she says to me. i have the whole text conversation on my phone for this also this was all in a phone text messaging not online. so there is no loan app number and i asked in the beginning about a loan agreement and her reply was " dont worry will send the money to you after receiving the payment "
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on XXXX XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have been enrolled in autopay for all my accounts to ensure timely payments. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. Specifically, Experian reports a XXXX late payment for XX/XX/year> on my XXXX XXXX account. My payment records confirm a consistent history of on-time payments due to my autopay enrollment, and I have not missed any payment obligations. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) also outline civil liability for willful and negligent noncompliance, including actual damages, attorneys fees, and possible punitive damages for failure to comply. 
Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that my account be updated to reflect my true payment history of XXXX  % on-time payments. 
Payment History : This account history reflects a consistent record of timely payments. However, XXXX report erroneously lists XXXX late entries for XX/XX/year> and XX/XX/year>. Additional XXXX late entries are also incorrectly reported for XX/XX/year> with both Experian and XXXX. My autopay setup ensures on-time payments for all accounts, and my records substantiate a perfect history of timely payments. 
Attachments : A copy of my government-issued ID Social Security verification My latest account statement from XXXX XXXX XXXX payment status I expect to receive written confirmation of the removal of this erroneous late payment entry within XXXX  days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days and when it came back nothing was changed when clearly there are misleading, incorrect, inaccurate information on my credit report ... attached is my credit report from XXXX bank that clearly violates my rights!!! THE EVIDENCE IS IN BLACK AND WHITE... NOONE CAN DENY THE EVIDENCE UNLESS YOU ARE XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a consumer have been violated multiple times by XXXX XXXX XXXX account number XXXX. 

According to 15 USC 1681 b, there can not be anything furnished on my consumer report without my written consent. 

I did not submit in writing to above said person that they may report anything on my consumer report. 

Also according to 15 USC 1681, I as a consumer have a right to privacy. 

All transactions between myself and above said person are private in nature which should have been kept private, by furnishing information on to my consumer report said person has violated my consumer rights.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable unresolved. the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify, consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I was recently assigned a phone number on a new line of service. 
This line is receiving more then 6 calls per 24 hour period, including calls outside of reasonable hours. All calls are from the same incoming telephone number. 
I have called the collector back and advised that this is a newly assigned telephone number, and I am not the person they are attempting to reach. 
The company refused to identify what company they are, and has continued to call after my request that they discontinue and are reaching the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to respond to my repeated attempts to remove a fraudulent account that was placed by XXXX XXXX. I have called numerous times, mailed, and disputed online and they still have not removed the account even though XXXX confirmed it was fraudulent. Since I did not authorize these companies to obtain my credit report I demand that these unauthorized inquiries and XXXX account be removed immediately and my credit score be adjusted accordingly. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX multiple times regarding inaccuracies in my credit report, specifically incorrect mortgage balances and inaccurate credit card balances with XXXX. Despite my repeated efforts, I continue to face difficulties in getting these issues resolved. This ongoing problem is now directly affecting my livelihood, and I need it addressed immediately. 

XXXX 's last reporting date was XX/XX/XXXX. 
Rocket Mortgage 's last reporting date was XX/XX/XXXX. 
Rocket Mortgage XXXX XXXX last reporting date was XX/XX/XXXX. 

None of these have been updated since then.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Inquiries XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX. I do not recognize the hard inquiries as reported. The hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the inquiries are the result of identity theft and fraud.
Product: Mortgage

I did not receive anything from Ditech last month. I had my billpay set up for mortgages and they sent out on XXXX XXXX, 2016. Apparently, Ditech updated its computer system for the XXXX week of XXXX. I could not even log in to my account. In addition, Ditech changed all of my account numbers and despite receiving the billpay checks, Ditech " rejected '' payments for XXXX mortgages for ( new ) account numbers. Then, Ditech assessed illegal late fees for each account and proceeded to harrass me by calling me 3 or 4 times a day demanding payment despite the fact they received billpay checks on time. The checks had the old account numbers before XXXX XXXX, 2016. I paid all XXXX over the phone, then XXXX of the XXXX billpays were finally cashed on XX/XX/2016 and it does, in fact, state that the check was sent on the XXXX of XXXX. I had to cancel the payments over the phone because they were essentially double payments. Since then, I made sure every account is current, even making payments a second time for the month of XXXX for XXXX accounts, which billpay checks are being retained by Ditech, but not cashing them. The representatives I spoke with stated that I would be credited back the late fees. However, this has not happened. All I get over the phone is transfers to full VM 's or I leave a message to be not returned. Further, their " new system and website '' keeps kicking me out. Please CREDIT me with the illegal late fees and TELL ME what you are going to do with the XXXX remaining bill pay checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter  PLEASE HELP ME PLEASE
Product: Bank account or service

I submitted a complaint in XX/XX/XXXX regarding a " delinquent '' US bank line of credit with CFPB. I was rewarded my desired solution in that they were supposed to REMOVE the account from my credit report. What US bank did was mark the account as paid and closed, but what I 'm currently finding out is that it still shows up on my credit report as a delinquent account and it is affecting not only my credit score, but I am not able to refinance my student loans from XXXX school because of it. It 's severely affecting my life once again with an account that was never delinquent and it was declared in my favor back in XX/XX/XXXX, but US bank never did their job. I 'm assuming you can pull up the complaint from XX/XX/XXXX, which is why I 'm sparing you the details of the issue. They should already be on file. The short hand version is that I closed my account with them in XX/XX/XXXX and they failed to close the account, made a new " rule '' to charge accounts without a minimum balance and started to charge me every month without ever calling me or sending me any bill in the mail, so I was unaware of these accumulating charges with an account I assumed was closed. I never knew of the issue until I tried to get a mortgage loan and my lender found this on my report. They are very wrong in this situation and now they are wrong again and negatively affecting my credit once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I took out an unsecured loan to help finance aircraft rental. The lender was XXXX XXXX. The rental company was XXXX  ( XXXX XXXX XXXX ) located in XXXX, FL. I fell on hard times and was unable to repay the loan. XX/XX/XXXX the account was closed. 
XXXX is reporting to the credit agencies that this was an education loan. In no way shape or form was this an education loan. XXXX  is not an accredited college or university. No degree was ever offered or obtained. 
As such, as of XX/XX/XXXX seven years has passed. This is the limit of ability to report and or a line item to remain on a persons credit report.