23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I RECENTLY SENT LVNV FUNDING LLC 2 LETTERS ON XXXX DISPUTING THE ALLEGED DEBTS SAYING THAT I OWE AND ASKING FOR VALIDITY OF THE ALLEGED DEBT THAT IS BEING REPORTING ON MY CREDIT.I HAVE ALSO ATTACHED A COPY OF BOTH THE LETTERS THAT I AM SENDING THEM CERTIFIED MAIL BELOW.PLEASE ASSIST ME IN THIS MATTER
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

CITI bank agreed to close my account in 2019 and refund me for my XXXX after making the balance XXXX on my credit card. They kept it open. And never send me a check for reimbursement. They are now trying to Give my debt to a debt collector. I agree to none of this debt and they still have my {$200.00}. I had 2 reversed payments and they closed my account but all along kept it open and it is damaging my credit.
Product: Credit card

The Avant Mastercard has, since XX/XX/XXXX, been facilitating unauthorized charges on my account. After patiently awaiting a resolution for several months, I initiated contact regarding one of the listed charges using the provided phone number on my statement, as I did not authorize any of these charges. During this communication, I spoke with a person identified as " XXXX XXXX, '' who claimed to be the manager of the Fraud Department at a company called Factory Gadgets Direct. This company initiated a subscription resulting in charges processed under various names, including XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

In a respectful manner, I requested that XXXX XXXX reverse these charges on her end and cease further charges to my account. However, she outright refused. XXXX asserted that she had evidence supporting my involvement in these charges. When I requested a copy of this evidence to be emailed to me, she mysteriously claimed not to have my email. Despite providing my email address during the conversation, I never received any documentation. Despite diligent checking, including my spam folder, no such documentation was sent. This situation strongly suggests the dubious nature of the operation, and subsequent attempts to contact the provided phone numbers proved unsuccessful. 

Compounding the issue, after a year-long purported investigation, Avant sent a letter asserting the validity of the charges and indicated their intention to continue processing charges from the various businesses associated with " XXXXXXXX XXXX XXXXXXXX. '' I urgently seek assistance to compel Avant to close my account to halt the ongoing fraud. Should this not be addressed promptly, legal action against Avant may become necessary. Despite my repeated requests, Avant has disregarded my plea to provide evidence supporting the purported charges. 

It is noteworthy that I encountered similar instances of fraud with other XXXX accounts associated with XXXX XXXX and XXXX XXXX XXXX XXXX. In both cases, those companies promptly closed the affected accounts, reversed the charges, and addressed any associated fees related to the fraudulent activities. In stark contrast, Avant has thus far refused to take similar corrective actions. 

This identity theft incident has been a nightmare overall. Additionally, I was alerted to another data breach incident at the XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, where my personal information in my XXXX  record was accessed due to a DOE employee 's mistake. As compensation, the XXXX XXXX XXXX XXXX provided me with 2 years of free credit monitoring and identity theft monitoring.
Product: Debt collection

I was called by a debt collector yesterday and said if I did not call him he will serve me with a letter of intent .And also he did not say what the name of the company was.So I called back and I say what the debt was for he said XXXX XXXX XXXX and he said I had broke a 2 year contract and the XXXX XXXX been bankrupted and out of business for 4 years.So the phone number he called from was XXXX and so I had told the representative that I can not afford and I am on social security XXXX but, I did had a 1 year contract not 2 and he had the last XXXX digits of my social security number.I had told the representative to set up a payment plan and he wants the money immediately so I had gave him a debit card number I do n't use so he can get off my back.
Product: Debt collection

I have contacted Jefferson Capital Systems , LLC to try to negotiate a reasonable settlement plan, explaining that I can not afford to pay more than {$25.00} to {$50.00} per month considering a death in the family and prior to the passing of that family member, I was caring for that family member 's long and progressive illness from two years prior. I have also had other problems in the mean time, including loosing my health insurance and paying off other debts. They did not want to stop any collection actions until I plan to make a payment plan with them. They wanted me to come up with {$100.00} within 7 days and for a month there after. They don't seem to care about my situation. I will also file a complaint with the FTC.
Product: Credit reporting

Date : XX/XX/XXXX To Whom It May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. And correct my personal information As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been living here since XX/XX/XXXX Please update my personal number to my credit profile XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX this is an old address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXXI have also please delete not my address included the following minimum XXXX proofs of my current mailing address Sincerely, Name : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I have provided extensive documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and other supporting evidence, clearly demonstrating that these accounts are a result of identity theft. Yet, my claims have been summarily dismissed without proper investigation or resolution. I am writing to express my extreme frustration and disappointment in the way my identity theft dispute has been handled by your bureau. It has been an unreasonably long and arduous process, with repeated denials despite the clear evidence I have provided. I have provided extensive documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and other supporting evidence, clearly demonstrating that these accounts are a result of identity theft. Yet, my claims have been summarily dismissed without proper investigation or resolution. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

BMO Bank NA closed my credit card account without warning or explanation. I was actively using the card, never missed a payment, and was working on paying it down. They reported the closure as Closed by credit grantor, which hurt my credit score. 
I contacted customer service and was told there was nothing they could do, and they refused to correct the reporting or give me a proper reason. 
Ive now seen multiple complaints online showing this is happening to other customers as well, sudden closures with no warning, perfect payment histories, and vague corporate responses. This appears to be part of a larger trend after BMOs acquisition of XXXX  XXXX XXXX XXXX 
I am requesting that the credit reporting be corrected to reflect the positive history, and that BMO be held accountable for unfair practices that damage consumer credit without cause.
Product: Credit card or prepaid card

In XX/XX/XXXX, responded to a 0 % balance transfer offer from Bank of America. 
The transfer amount was {$7500.00} plus a 3 % ( {$220.00} transfer fee ). 
Incredibly, Bank of America started charging me interest on this allegedly 0 % offer. 
I refused to pay any interest or additional fees. 
In XX/XX/XXXX I paid off the entire remaining balance on the transfer, including the transfer fee ... total paid to Bank of America was the agreed amount of {$7500.00} plus {$220.00}. 
I have disputed the interest amounts on every single bill, including the latest just received. 
The first date of the original interest charge was XXXX. 
Bank of America has responded with generic letters indicating that nobody even read the disputes, but simply generated a letter saying I owe them interest. 

There is zero doubt in my mind that Bank of America has engaged in a deliberate, deceitful, misleading, and probably illegal, business practice. 

If they did this to me, they almost certainly did this to others.
Product: Credit card

An unauthorized charge of {$6000.00} on XX/XX/XXXX from a foreign country was made on my card. 
I want to emphasize that I did not initiate or authorize this transaction, and it appears to be a case of fraudulent activity. I have taken immediate steps to contact USAA however they will not remove this fraudulent charge that I did not sign for. 
I am seeking the removal of the {$6000.00} charge from my account at the earliest convenience.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX # XXXX Opened on XX/XX/XXXX Account Name : XXXX XXXX  # XXXX Opened on XX/XX/XXXX Unauthorized Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX {$61.00} XXXX {$61.00} XXXX {$120.00} XXXX {$230.00} XXXX {$240.00} XXXX {$430.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$2400.00} Please remove from my credit report inaccurate information
Product: Debt collection

There are several collection accounts showing on one of my credit reports that were not validated and/or have no contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX 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 Transunion. 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 Transunion more than 21 times. transunion 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

According to the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the open date is in inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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. 

Hard Inquiry : Equifax Mortgage Ser  Date opened : XX/XX/2022 Hard Inquiry : XXXX  XXXX XXXX Date opened : XX/XX/2022 Hard Inquiry : XXXX XXXX Date opened : XXXX XXXX XXXX opened : XX/XX/2022 2022
Product: Credit reporting

I am aware that TransUnion had a server error last year whereby multiple credit files had inquiries inadvertently removed. I recently checked my TransUnion credit report and can not with any certainty recall the history of any of the hard inquiries on my report. Therefore, because I feel victim to the lack of data integrity and the fact that TransUnion failed to follow the legal requirement of FCRA Section 611 stating that the credit bureaus must notify me within five days of reinsertion of inquiries, I ask that they remove all inquiries from my report. 

Please request that TransUnion remove the following inquiries : 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 XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Product: Credit card

This case was closed in XX/XX/2019 and I am still being harassed by 3rd party attorney offices, and XXXX XXXX XXXX. Information was pulled from XXXX XXXX XXXX, public records. 


Discover Bank : DISCOVER BANK VS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case Category Civil Case Type CONTRACT/ACCOUNT Case Filed Date XX/XX/2019 Judge XXXX XXXX XXXX XXXX Closed ( Closed )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint back on XX/XX/XXXX complaint # XXXX regarding Public records Case # XXXX and Case # XXXX and this company continues to report inaccurate false information on my consumer report. I have provided proof and all they seem to do is play the blame game and I'm tired of the lies. On XX/XX/XXXX Transunion responded the following to me via CFPB : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Address - UPDATED You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/ XXXX XXXX XXXX 


Now this says they verified as reported from XXXX XXXX XXXX XXXX Alabama which is false reporting because I have a letter from the court stating they DO NOT report to any agencies. Secondly I called them on XX/XX/XXXX spoke with a Transunion supervisor and was told it was verified through XXXX XXXX which is also false because I also have proof from XXXX XXXX stating the inaccurate records were Deleted on XX/XX/XXXX the supervisor then tells me that when they submitted the reinvestigation XXXX  XXXX verified these Public Records and told me its not them I need to contact they are placing blame on XXXX XXXX. Now here is the crazy part I provided documentation from XXXX XXXX after I filed a complaint with them through this same portal showing that these cases had been DELETED and they still continue to LIE. If these PUBLIC Records are not removed from my consumer report immediately I will seek litigation against Transunion or XXXX if I continue to be violated with this false inaccurate reporting. At this point I don't know who is lying or telling the truth Transunion or XXXX but get the XXXX straight because yall are defaming my character, causing me emotional stress, XXXX XXXX and costing me time and money not only that but this is past violating the FCRA law.
Product: Bank account or service

US Bank 's customer service is way too slow and really bad. i have had issue with my account 2 months ago and still it has n't been resolved. A lady at US bank made mistake and i got charged over draft fees 6 times. She suppose to reverse the charges 2 months ago. i have to call the bank everyday for last 2 months and keeps telling me that she will do it today but her today never came. now, im tired of calling bank because every time i call, a phone rep. tells me that she is either with customer or in meeting so i leave my phone number but she never calls back. i have to catch her on the phone, calling the bank many times during each day.
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage company is reporting forclosure on my account in XXXX of XXXX and the house was sold and paid off in XXXX of XXXX. There was no forclosure on my property they tried to do a forclosure fraud in the home. They held up paperwork twice for two buyers so that we would go into forcloser. In XXXX i spoke with several employees from pennyman and i was told the forclosure was a mistake amd it would be taken off, so XXXX my wife and i go to start looking to buy a house and the forcloser appeared again on my credit report so i got back intouch with then amd was told again they would take it off amd did not. so i reached out to XXXX  amd was told to have them send a email stating that so i did amd was told that a fullfillment department would reach out to me to take care of the issue, come to find out there is no such thing as this department. so now im still battling with pennymac to have this removed this had caused alot of problems and issues with myself and my family as we are trying to purchase a new forever home. so my last step is to contact the consumer finance to help solve this problem and get this removed off my credit report thanks. again i was lied to for over 3 years now back amd forth from a major mortgage company which i read up on the XXXX  and there ratings are not good.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent a collection letter dated XX/XX/2020, postmarked XX/XX/2020, which I received XX/XX/2020 informing me of the debt. They proceeded to report the collection to XXXX  on XX/XX/2020, to XXXX  on XX/XX/2020 and to XXXX  on XX/XX/2020, well before the 30 days violating my FDCPA right to dispute this debt ( which I have requested and have not received anything back ). I'm now sending a new letter requesting they delete this information as I have not received their investigations results and it will be 30 days this week. Additionally, I receive collection emails requests from True Accord via email for the same account, and letters from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

the inquiries are in dispute with the financial institutions and are under investigation for fraud and identity theft activities. 

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: Mortgage

I am the Trustee of the XXXX XXXX XXXX for XXXX XXXX. XXXX XXXX the original XXXX passed away XX/XX/XXXX. At the time of her passing her loan was being serviced by Bank of America. You will notice that a complaint was filed by her relative to BOFA in the past. Since her passing I have been trying to get BOFA to recognize me as the successor trustee and after 18 mos I am still not able to accomplish this. The servicing of the loan was transferred to XXXX XXXX approximately 6 mos ago. XXXX is now threatening foreclosure. 
I have been in the process of refinancing the property for the past 60 days and the lender is trying to get a rescission notice for a Notice of Sale that was recorded in XXXX while the borrower was in the process of modifying her loan. When the modification was completed BOFA apparently did not file the Notice. I have attempted to get a copy of the Notice from BOFA and XXXX to no avail. Please see letters attached