23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX LVNV Funding XXXX XXXX XXXX XXXX, SC, XXXX VERIFICATION OF DEBT REQUEST RE : ACCT # XXXX Dear LVNV FUNDING, I am reaching out to you about the debt you are trying to collect.. This letter is being sent to you pursuant to the Fair Debt collection Practice Act. 15 USC 1692G, SEC 809 A AND B WHICH STATES YOU MUST SUPPLY THE FOLLOWING INFORMATION. I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. 
You must provide a complete accounting of the debt you claim I owe within 30 days of your receipt of this letter. This prof must include. 
The complete and signed contract for the debt obligation which is the subject matter of this dispute. 
An itemized breakdown of what you claim the money is owed for. 
Explain and show me how you calculate the amount in dispute. 
Provide me with copies of any documents, ledgers, spreadsheets etc., that show that I agreed to pay this amount you claim I owe. 
Identify the original creditor. 
Identity the accurately describes any third-party cost for which you are charging me and that you have included in the disputed amount along with a complete itemized of all such charges. 
Provide me with any affidavit that the Statute of Limitations has not expired on this account. 
Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine. I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : a ) Violation of the Fair Debt Collection Practices Act. 
b ) Defamation of Character. 
Sincerely, XXXX XXXX
Product: Debt collection

I received a collection notice in the mail from credit protection association l.p. about an account that I do n't currently hold with this company.. I recently contacted the company to about the debt.. I spoke with an agent name XXXX XXXX was rude, disrespectful and I was threatened several times.. XXXX referred to the company as his. I could never get a word in without him being rude and Disrespectful to me.. I immediately got upset with him, and cussed him ... I hung up with him and I got another agent who was a little better but had very little knowledge of his job as well..I asked to speak with a manager, after 10 minutes of being put on hold, I hung up because the manager never came nor did the agent check back in to let me know what was going on ... I have never experienced such rude customer service while trying to communicate with a company..
Product: Vehicle loan or lease

This is my 4th complaint against Santander for predatory lending and billing practices. Santander continues to create fees to this long and makes it impossible to pay the loan off and receive our title. We have paid this loan in full and continue to have fees added to this loan. The original loan was to be paid off in XX/XX/2021. We were then told that we had 9 extensions. We have paid all 9 extensions. Once we paid all 9 extensions, we were told we still had principle. Now they are not applying all payments to the supposed principle but are still taking interest and increasing the payoff amount. In XXXX the payoff was XXXX now the payoff is XXXX. Santander continues to add more and more fees.
Product: Credit reporting or other personal consumer reports

I did not give consent or have any knowledge of the inquiry on my credit report XX/XX/2023 JPmorgan chase.
Product: Debt collection

Created by : XXXXXXXX XXXX XXXX XXXX XXXX XXXXrustor , and Secured-party to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Without United States VIA CFPB DEBT VALIDATION LETTER XX/XX/year> To : XXXX XXXX Head of Customer Service Dear XXXX XXXX, This letter is being sent to you in response to : Response to your communications I received on XX/XX/year> Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPB ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

XX/XX/XXXX, World Acceptance CorpXXXX reported to XXXX, XXXX & XXXX a charge off status to an account that was opened under my name. Oddly that a company would report an account charged off for XXXX after two months. In XXXX of XXXX my wife and I began looking into buying our first home. As a blended family we both had a few things to work on from previous marriages. This item was one which raised a question, to my recollection I hadnt opened account with this company. On XX/XX/XXXX, I went into their office asking for a copy of account they reported under my name. I was given a trade line printout and told they had a copy of my ID and signature. Since we had an established membership with XXXX XXXX I notified them and they told me they would send out a dispute on my behalf an to take it a step further I would need to have the dispute form notarized and returned to them with any documentation I had received from World Acceptance Corp. XX/XX/XXXX I went down to my banking institution and had the form notorized and put in the mail that same day. We had already began working with a real estate agent I asked them as well what their thoughts were and if this could effect the outcome of buying a home. They replied, most definitely am advised to dispute the item with the credit agencies as well as the company directly. I was informed by XXXX XXXX that I had to give the company some time to investigate the account before it could be updated or removed depending on what was found. XXXX on XX/XX/XXXX I challenged the item again to date it still remains on my file. After much time passed the real estate agent suggested filling out a police report and file a complaint with CFPB. XX/XX/XXXX, we went down and filed the report with the local police department.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that certain negative items, which I believe to be inaccurately reported, continue to appear on my credit report. Despite my previous attempts to dispute and rectify these items, Experian has failed to take appropriate action to correct the inaccuracies. This lack of responsiveness to my legitimate concerns is deeply concerning and reflects poorly on the reliability and professionalism of Experian as a consumer reporting agency. 

As a responsible consumer, I have been diligently monitoring my credit report, and it is disheartening to see that the same erroneous information persists, affecting my ability to secure credit, loans, and other financial services. I have made significant efforts to improve my financial standing, and it is frustrating to see these efforts go unrecognized due to the persistence of inaccurate negative items. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I have submitted valid disputes to Experian, providing supporting evidence to substantiate my claims. However, the lack of response from Experian or the failure to conduct a thorough investigation into my disputes has left me feeling disregarded and disheartened. 

I demand that Experian take immediate action to reevaluate and rectify the disputed negative items on my credit report. I implore the agency to conduct a diligent and unbiased investigation into my disputes, as mandated by federal law. It is essential that Experian acknowledges the gravity of its responsibilities in accurately reporting consumer credit information and adheres to the guidelines set forth by the FCRA. 

If the necessary actions are not taken promptly, I will be left with no choice but to escalate this matter to relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. I hope it does not come to that, as I believe it is in the best interest of both parties to resolve this issue amicably and expeditiously. 

I expect a written response from Experian, addressing the specific actions taken to review and correct the inaccuracies in my credit report. Additionally, I request confirmation that the negative items in question have been appropriately removed or updated, along with a revised copy of my credit report reflecting these changes. 

Please treat this matter with the urgency it deserves, and I look forward to your prompt response to ensure a swift resolution.
Product: Credit reporting or other personal consumer reports

I have a student loan with Nelnet that was originally with the Department of Education. There was a late payment reporting from Nelnet to XXXX before Nelnet even had my loan. Nelnet never asked for my permission nor did they give me an opportunity to opt out of said reporting. Instead, they claimed that I agreed to give them that right. However, under the FCRA, I have RIGHT to opt out, and to deny permission of any reporting. I also MUST be given notice before any reporting takes place. I am making a simple request for Nelnet to follow procedure in this matter pursuant to 15 USC 6802. They have already ignored my messages to them and are still reporting on this alleged late payment when my loan was being serviced by another corporation. 

Below is my attached email from over 40 days ago which was never responded to or addressed.
Product: Debt collection

I contacted the company on XX/XX/2023 regarding an alleged debt which has been furnished to XXXX XXXX, XXXX, and XXXX, that is damaging my credit worthiness, general character, and reputation. I never gave any expressed written consent to the company to obtain, compile, store, share, or distribute my personal private information. I contacted the company and spoke with XXXX in Texas to resolve the matter ; and during the conversation she used obscene and profane language to abuse me. I mentioned that I sent a notice and demand for Debt Validation pursuant to Fair Debt Collections Practices Act and she admitted that it was received in Mid XXXX. Unfortunately, I have not received any correspondence by US Mail. The company is in default and has failed to respond.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and the CRA violated 1681e ( b ) of the federal Fair Credit Reporting Act. The FCRA requires consumer reporting agencies, such as XXXX, to follow reasonable procedures when preparing... credit report. Section 1681e ( b ) also requires the plaintiff to present evidence that the credit report is inaccurate.Capital one has charged this account off for the amounts of {$2600.00}. IRS policy for charges off for XXXX or more company must issue a 1099C this is considered earn income for the consumer and must be reported to the IRS by the Consumer. Im requesting XXXX XXXX stop reporting inaccurate to all 3 CRA and delete from Credit Reports with in 30 days.
Product: Student loan

I was not made aware of the fact I 'd need to reapply for the IBR plan and have therefore paid over {$400.00} more each month than I was last year. I 've begun the process of reapplying but I am unable to upload any information electronically because of Navient 's inability to process tax information and therefore can expect a minimum of another 2 months before my application is accepted. By the time all is said and done, I will have paid over {$2000.00} as a result of lack of communication, maliciousness, and/or incompetence on the part of Navient. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve these issues with XXXX XXXX from XX/XX/XXXX. Last time I tried to resolve the issue was just last month XX/XX/XXXX and the Dept of Justice, Mr XXXX 's office rep also tried to send them a letter regarding this issue. XXXX did not correct the problem. 

XXXX financed a fraudulent loan with XXXX XXXX which I came to be aware of after the Class Action Lawsuit was filed against XXXX. I was misled and was given wrong information about the XXXX employment to secure this loan. XXXX has ruined a lot of people 's credit by practicing unfair Auto Loans. Financing is illegal if lenders do not have a basis for believing that customers will be able to repay loans as scheduled
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Equifax were under 30 days to investigate public record on my person credit I was supposed to obtain.of verification accounts verified I have letters from court. 
houses again and again saying that they do not give information. 
to 3rd parties like credit bureaus or anyone for that matter. Many people have even called. 
the courthouses to receive that information and knowledge. 
that the credit bureaus cant obtain FULL socials and addresses and bankruptcy information. 
So, how does a credit bureau get this information? 
XXXX XXXX is and has been on as security freeze since XX/XX/2022. I have both documentation from both XXXX XXXX and bankruptcy court saying the information had and will never be disclosed from them. so once again you have failed to disclose the VERIFIED account in 30s days. this yet another UNverified account and has lacked the 30-day investigation period to verify because of which I would like all public records that are unverified off immediately including bankruptcy and dismissed bankruptcy. if the full name full address and copy of original documents with full social is not provided this is a verified public record and i would like it off.
Product: Mortgage

I have complained about OCWEN home mortgage in the past. I recently received a mortgage payment increase notice from OCWEN which increases the payment from {$1900.00} to {$2100.00}. The statement is dated XXXX/XXXX/XX/XX/2015. There is no explanation other than " Further detail regarding the reason for this change will be included in a separate letter. '' I have not ( as of today - XXXX XXXX, XX/XX/2015 received a separate letter. In addition, OCWEN has not stopped our PMI payments despite the fact that we have brought our mortgage principal down from {$180000.00} to {$140000.00}. The original value of the home was {$190000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have filed identity theft report with the FTC.GOV website and all XXXX credit bureaus. There are several credit inquiries I did not authorize and are not linked to any existing accounts. I have reach out to all the credit bureaus and to the companies falsely reporting this information without my consent on my credit report. 

The companies are as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because TransUnion has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section  611 ( 5 ) ( A ) of the FCRA- they are required to ... .promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX I XXXX XXXX sent multiple letters and complaints about this XXXX XXXX  XXXX that's connected to an address that I do not know. The date this account was open XX/XX/2018. As seen on my identification card I uploaded the address that I have resides is not connected to this account.These false information keeps being updated to my credit profile and keeps leaving a negative effect on my profile.I contacted the creditor and credit bureaus multiple times about this issue and nothing is being done.This issue is slowly giving me emotional damage. As Stated in 15 U.S. Code 1681c1 XXXX XXXX XXXX the consumer had given multiple identity theft reports and also placed a security freeze.
Product: Debt collection

This collection agency sent my a collection debt letter in XXXX. I responded back with a verification debt letter in XXXX. Weeks later, the company report this debt to the credit report. I respond back again with another debt verification. This collection agency still haven't response yet.
Product: Debt collection

After XX/XX/2023, I was repeatedly called by Financial Recovery Service , Inc., and requested a cerified copy of the the actual debt. However, they have denied that request. They have sent what looks like a bill a few times. Last time they called was XXXX XXXX XXXX. They claim I owe {$750.00}. I have not called them back, I have visited their website, to see if it was real, as well as XXXX search on it. I am going to see about posting their number to a few websites so that their phone number becomes unavailable, anymore.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

**Account Name : ** XXXX XXXX XXXX XXXX has violated my rights. 

**15 U.S.C. 1681, Section 602 ( A ) ** states that I have the right to privacy.

**15 U.S.C. 1681, Section 604 ( A ) ( 2 ) ** specifies that a consumer reporting agency can not furnish an account without my written instructions.

**15 U.S.C. 1681c ( a ) ( 5 ) ** states that no consumer reporting agency may include any consumer report containing certain items of information, including any adverse information other than records of convictions of crimes that are more than seven years old.

**15 U.S.C. 1681s-2 ( A ) ( 1 ) ** indicates that no person shall furnish any information relating to a consumer to any consumer reporting agency if they know, or have reasonable cause to believe, that the information is inaccurate.

I am currently trying to purchase a vehicle for college and am unable to do so due to these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an active 7 year Consumer Statement to contact me before extending or allowing access to my credit report on each reporting agency of XXXX, Equifax and XXXX and to contact me at XXXX or XXXX before extending Credit or access to my Credit Report. 
I have had Identity Theft twice on my and my wife 's Credit. 
It has been in place XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

In spite of these Consumer Statements all three agencies have Hard Inquiries on my Credit Reports. I have not being accessing credit as I already have a Mortgage and have only 2 items I have 3 legitimate Hard Inquiries. 

I was unaware until recently and need these Hard Inquiries removed : XXXX has 14 Hard Inquiries with only one being legitimate. Equifax has 18 Hard Inquiries with only 2 being legitimate. XXXX  has 16 Hard Inquiries with only 2 legitimate Hard Inquiries. Credit Reporting agencies are ignoring the 7 year Fraud Alert.
Product: Debt collection

I have a letter from XXXX XX/XX/XXXX where they write : - The debt was paid in full. 
- We will not sell your accounts to a debt buyer or to any other company. 
However, they sold the account to Palisades Collection LLC due to the so-called pressure beforeand abusive, I paid {$7500.00} from XXXX until I found the letter from XXXX and still they sent me a letter that I owe them {$4100.00} account number XXXX I called themand I told they want a letter from XXXX so that they return themoney that I paid them for fear of damaging my credit. XXXX says that since they bought XXXX  XXXX they have no information, I have been demanding the return of the money paid unfairly for years.
Product: Credit card or prepaid card

My mother fell ill and I became her main caregiver, while on FMLA and short term XXXX. During this time, I was in the middle of a divorce. This became challenging to pay the debt.
Product: Debt collection

Calls come from XXXX JP Morgan Chase on caller ID. When answered they tell me that my husband has an unpaid balance on his XXXX credit card. They are very pushy and refuse to believe me when I tell them that he doesnt have that card.I have threatened to report them to my states attorney general and hang up. I have also told me to send proof in the mail but it never comes. Then about a week later the calls start again almost daily.