23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 card or prepaid card

In XX/XX/XXXX, I paid for a BJ 's membership and when asked if I wanted a BJ 's master card - I specifically said No. However, a card was issued anyway. Once I received the card, I immediately canceled it. Despite the cancellation, I continued to received ongoing bills for annual fee and later on late fees. I contacted Comenity Bank on XX/XX/XXXX ; XX/XX/XXXX ; and again on XX/XX/XXXX and most recently on XXXX- a late fee of {$16.00}. I was told I have been credited the annual fee, however, I am still receiving a bill for late fees. I was told on XX/XX/XXXX By XXXX, that he would escalate my concern and the late would be removed. Although on XX/XX/XXXX, I received another bill for a late dated XX/XX/XXXX with a late fee of {$19.00}. I am requesting assistance with closing this matter permanently and all late fees removed.
Product: Student loan

I had a repayment plan with Sallie Mae in which I had auto payment set up with my bank. That payment went out every month with out fail, and as long as I have been with Sallie Mae I had not made a late payment. Well after I graduated, they changed the repayment amount without sending me any notification of the change. I had not worried about the change, as the last documentation I have from them stated that my payment would not change until 6 months after graduation ( with all of my federal loans ). As a result, they marked my accounts as " unpaid '', even though my payment was still being sent ( just not the new amount ). They finally called me in XXXX, and I promptly called them back. The new payment amounts were much more than I could pay, so they worked with me to decrease the interest rate and reduce the payment amount. But, at the same time I called them they reported all of my accounts as " 90 days late ''. The issue with this is that it negatively decreased my credit report causing my revolving accounts to be decreased giving me less options to look for better options than Sallie Mae. On the calls with the people from Sallie Mae, they stated that once I made 3 payments in this new plan, the 90 day late 's would be dropped from my reporting. This was not the case, and it still shows as late. In addition to this, it does not seem right that Sallie Mae can charge higher rates on private student loans, yet they aren't really treated as a private loan ( that could be available for bankruptcy ). I hope that I can continue making the payments to Sallie Mae, although with their negative effects on my credit, and their inability to offer any repayment options like the Federal Loans, I am not sure it is possible.
Product: Debt collection

Debt was discharged in CH-XXXX Bankruptcy XX/XX/XXXX2015. Creditor sent debt to AFNI, INC. collection on XX/XX/XXXX2015, AFNI reported deragatory information to CRA 's in XXXX 2015. Creditor and Collection agency are in Violation of US Bankruptcy code. Collection agency will not REMOVE from CRA 's. As per law a crditor or collection agency can not report or try to collect a debt after the Bankruptcy has been filed and or discharged.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit card or prepaid card

On XX/XX/2019, I paid the amounts due from credit card charges, inclusive of late fees, on my Barclays XXXX XXXX XXXX XXXX credit card. I made that payment immediately after getting off of the phone with Barclays to inquire about the above-reasonable magnitude of the late fees ( not the issue I am writing this complaint about ). On that call I directed the Barclays service associate to close my credit card account after I made that final payment, to which she verbally agreed to process that card closure request. 

On XX/XX/2019, I was notified by voice mail of an overdue amount on that same XXXX XXXX credit card - this should not have been possible had they closed the account as they were told to ( and assured me they would ). Per their website, on the account was the ( a ) annual fee on that credit card ( which again was supposed to have been canceled ), plus ( b ) a late fee, plus ( c ) an additional interest charge on all amounts. 

I am writing to you at the CFPB to seek your assistance in, first, having Barclays close the account as I had requested and they had agreed to and, second, to have removed from the account these wrongfully charged fees noted above. I would greatly appreciate any assistance you are able to provide on these matters.
Product: Debt collection

Complaint Against LVNV Funding LLC ( Account Number : XXXX ) I have taken several steps to resolve this matter directly with LVNV Funding LLC and its affiliate, XXXX XXXX XXXX XXXX but they have failed to validate the debt and provide the necessary documentation, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The details of the complaint are as follows : I do not owe any money to LVNV Funding LLC or XXXX XXXX XXXX, nor do I have any contractual agreement with these companies. Despite this fact, they have been attempting to collect a debt that is not legitimate. 

I have sent multiple letters to LVNV Funding LLC requesting information about the alleged debt, including documentation that proves its validity. However, they have not provided me with any clear and accurate information regarding this debt as required by the FCRA and FDCPA. 

LVNV Funding LLC 's actions have negatively affected my credit report and financial well-being. Their failure to validate the debt and provide the necessary documentation has caused unwarranted stress and financial hardship. 

I believe that LVNV Funding LLC 's actions are not only unethical but also illegal under federal law. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the situation. Specifically, I request the following remedies : a. An investigation into LVNV Funding LLC 's debt collection practices, specifically related to my case. 

b. A requirement for LVNV Funding LLC to provide clear and accurate documentation validating the alleged debt within the confines of the FCRA and FDCPA. 

c. Removal of any negative information related to this unsubstantiated debt from my credit report. 

d. Appropriate penalties or sanctions against LVNV Funding LLC if they are found to have violated federal consumer protection laws. 

I have enclosed copies of all relevant correspondence between myself and LVNV Funding LLC, including copies of the letters I sent to them requesting debt validation. 

I appreciate your attention to this matter and your commitment to upholding consumer rights. Please do not hesitate to contact me if you require any further information or documentation to proceed with this investigation. 

Thank you for your prompt attention to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made many attempts to contact the company I've already informed them many times that the account was opened fraudulently and I've sent them police reports, FTC affidavit my license and social and my dispute letter I've contacted them while at the police station with the detective that is handling, y case and they are still refusing to remove and/or block this fraud information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some accounts still listed on my credit report that do not belong to me. Please remove it. Thank you.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom mortgage account was surrendered in bankruptcy Freedom mortgage pulled my credit report after bankruptcy My bankruptcy was discharge and the final account put them being paid. They show my account current on credit report but not 0 liability and also showing that I have a monthly payment I put in dispute with all credit bureaus I also informed freedom morgage I surrendered the property And did not reaffirm debt but every month they are reporting me owing XXXX more on loan now to XXXX due to fees I went into bankruptcy with a balnce of XXXX The trustee had payed loan for one year he did not pay freedom mortgage after I surrendered property but on final accounting it says he paid them over XXXX in principal. The bankruptcy is now discharcharged and the case is closed but freedom is still reporting I owe balance and payment.
Product: Bank account or service

I filed a claim with Bank Of America regarding an individual stealing my cards and making transactions on my cards. XXXX card was approved while the other was investigated, upon speaking to the representative they went into my other account where it was proved that fraudulent charges were made and she overrode the decision on it when I did not authorize her to even investigate that account. She was very rude and condescending as well as extremely unhelpful. I kept asking for specific documents I would need to provide to show that these transactions were not mine and she was very vague. Now she 's going to re-bill my accounts and force me to make payments on transactions that I did not make nor authorize. It 's upsetting that all my other banks were very helpful while Bank Of America has been horrible. I got upset and hung up the phone on her because it was very obvious that she was not interested in helping me and kept making attempts to get me off of the phone. Terrible service and employee from Bank Of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Product: Mortgage

My issue is with a Mortgage company called Freedom Mortgage. They purchased my loan in XXXX of XXXX, from XXXX. I believe I am being overcharged since they took over my loan. 
In XXXX of XXXX, I had requested the implementation of an escrow account to pay my property taxes with XXXX, in order to spread the property tax payments over a 12 month period. This worked out fine with XXXX. Apparently this was transferred to Freedom Mortgage when they took over the loan account. My issue is this : I am completely up to date on my property taxes, and have paid off my property taxes for XXXX, but I am still being charged an additional fee each month by Freedom Mortgage. The monthly payment due for my principal and interest amounts to {$2100.00}. With the addition of the {$2100.00} Freedom Mortgage is billing me for " property taxes '' -- which again, are already paid off -- I am faced with having to pay {$4300.00}, or have my account become delinquent. I can not afford to pay this amount each month, and it has resulted in late payments as I struggle to come up with the total due. I have contacted Freedom Mortgage in writing and by phone requesting to remove the escrow account, and I was sent a rejection letter on XX/XX/XXXX. I believe this is unfair. I was given the impression that the impound account for property taxes was voluntary, and again, I voluntarily requested it with my previous lender, and I don't understand why I can't cancel it, especially given the fact that I am up to date on my property taxes. I never had any issues with mortgage lenders until I was involuntarily " partnered '' with Freedom Mortgage. Their customer service, communication style and apparently their business ethics leave a lot to be desired.
Product: Credit reporting or other personal consumer reports

I have been trying to obtain my Equifax report from XXXX and XXXX. When it comes to obtaining my equifax report I receive an error code of NH or another message stating Equifax has no records of your credit report or different personal details for you on file. After contacting Equifax they requested I send over copies of my License, Social Security card, and a letter explaining my issue. I did so and requested they fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't 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 XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XX/XX/2021, and XX/XX/2021 I sent letters stating " I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Last week I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! In accordance with XXXX, Section XXXX, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. '' XXXX, XXXX, and TransUnion have not given me any document of my hand signature or any other documents showing proof that any debt belongs to me. Please investigate and help resolve this matter, thank you.
Product: Debt collection

I received a letter from Commonwealth Financial System on XX/XX/2021 charging me the amount of {$760.00} and stating that the original creditor was XXXX XXXX XXXX XXXX and that current creditor is XXXX XXXX XXXX. I also saw the collection in my credit report from XXXX. I called the collection company because they are using my Social Security but addressed using my Mothers name. We are XXXX and have the same name and last name. When I called, they gave me my mothers date of birth, and I explained that was not me. They said they would call and report the mistake to the credit bureau. My mother also called and reported she had never been at that XXXX place nor have that debt.
Product: Debt collection

To whom it may concern, My name is XXXX XXXX XXXX and I'm writing to dispute a fraudulent account on my credit report as a result of identity theft. 
A couple of years back I had someone take out 2 credit cards and a phone plan with my social security number. 
I disuputed these accounts initially roughly 2 years back. All of the fraudulent accounts were investigated and then deleted. 

A couple of months back, it seems that the XXXX phone account has popped back up for whatever reason. 
Since this has not been resolved, I have filed a police report with the XXXX Police Department in XXXX, North Carolina this week. 
The address of the police department is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 

I'm requesting that this debt be removed immediately from my credit report as it is completely fraudulent. 
If this issue is not resolved and pops back up again in the future, I will proceed with further necessary legal action. 

Amount : {$790.00} Opened : XX/XX/2020 Original creditor : XXXX Current creditor : Convergent Outsourcing
Product: Debt collection

First of all, I have not received the whole service. 
XXXXXXXX XXXX XXXX  visit copay is {$10.00}. I confirmed with my insurance. I called the office to fix but there is no response and they are trying to collect extra fee from the patient. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  visit copay is {$10.00}. I have never paid {$25.00} copay for this service
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership to get a car, I told them I want to finance through XXXX XXXX XXXX, they told me they would only apply for finance with XXXX XXXX XXXX and instead I ended up with all these hard inquiries below that I did not consent to. Upon reviewing my credit reports I noticed incorrect addresses, phone numbers and unauthorized inquiries. 

XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Experian ) XXXX XXXX XXXXXXXX ( Experian ) XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2022 I spoke with an agent where I my credit was verified and my loan application was approved. During the conversation I asked the lady who I was speaking with if I needed to leave my credit unlocked for anything else during this process. Her response was No. 
So once the conversation was completed I locked my credit again to protect myself from any type of fraud. 

A few days later I received the invitation as promised from the phone conversation on the XXXX, when I went to complete the transaction it was denied because of my credit being locked ( after I verbally confirmed if it was necessary for it to be unlocked ). 

On XXXX the XXXX I called in to speak with someone about what had transpired and encountered XXXX. From this day until XXXX XXXX she had me continue to apply over and over while leaving my credit unlocked be now the letters that I am receiving are saying that I am ineligible due to missing or unavailable information. 

I asked her how could this be due to the fact that I am a Capital One Card holder and have Capital One banking which also comes with XXXX XXXX. That has access to my credit information. She had no answer for that only to continue to reapply until I was approved because they could not reopen the application that was approved. 

My issue with this situation is how is it that I was approved once but subsequently not approved XXXX times afterwards and no one can do anything? I am beginning to feel as if there is something wrong with this entire situation, there is a reference number attached to my original approval, several agents within this company were able to see it but they all tell me that there is nothing that they can do to help me. 

The last letter the I received from this entire ordeal stated that I have too many attempts and they can not approve me. Now I was doing what I was told based on the advice of an agent, shouldnt she ( XXXX ) have know that this was the incorrect process in order to obtain an approval?
Product: Debt collection

My purse was stolen  from my car outside of the XXXX  shop and I was left with nothing I had no ID or any type of identification I called the police and made a report of the incident and notified the credit card company I provided a copy of the police report as well but they refuse to help me and investigate the issue thoroughly. Ive been suffering for years due to these accounts being reported derogatory on my report I even continued to pay but the fraudulent charges were never removed which resulted to my account being closed by the credit card company. Under FRCA law 15 USC 1644 I should be protected and this account should have been removed from my report years ago. I provided everything I was asked to I didn't have the report the same day but I took a photo of the case card and provided that until the report was ready
Product: Debt collection

Credence Resource management keeps harrassing me calling me at least 3 times a day. When I contacted them to let them know why they keep calling me they wont give me any information without wanting me to give personal information which I dont find I should as they are calling me why do I need to give them personal information when I dont even know who they are.