23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This was a credit card originally opened with XXXX XXXX XXXX in XXXX. The card came in another name XXXX XXXX XXXX XXXX XXXX XXXX I got sick and was not able to pay as agreed in XXXX and was not able to pay as agreed ; Tried to talk with someone to set up another payment program. The person was rude and did not want to work with me. 

If I missed a payment ; would get angry with me and start the process all over again because of one payment missed as agreed. Collector 's tactics are very rude and aggressive. 
The account has been sold or transferred to Midland Credit Management and this Company is very hard to deal with. Actually the collection should have dropped off my credit bureau file ; but they sold it and started the process over again. From XXXX to XXXX is seven years ; so it should not be showing up on my credit bureau file.
Product: Checking or savings account

I opened a XXXX XXXX  account for XXXX XXXX with 5/3 bank XXXX XXXX XXXX in XXXX, Florida. I provided all documentation and the account was opened seamlessly. I directed my credit card batch deposits into the account and within a week I had around XXXX in funds. XXXX morning I logged into the app and could not access my account. I called the bank and they told me to go into a branch for assistance. 

I arrived at the branch and they said they were doing a business check and that their " back office '' needed documentation. Every document they requested was previously provided to them at the time of the account opening. Thank banker re-submitted requested information and I was told my account would be on hold for XXXX business days. 

When the time lapsed, my account was still not accessible. I went back to the branch and they said that the " back office '' was requesting additional information. I provided it immediately and he uploaded the files. When he called, he was told it would be another XXXX days. 

I have now been without access to my business funds for a week. They will not let me withdraw or close the account. They are holding my funds hostage. I asked them why they didn't do this process at the start before I started directing my deposits into the account and of course, they have no answer for me. 

I am stressed and in a bind because my vendor bills are now past due because this lengthy review process with no sight on end. I want my account re-activated or closed and funds provided me TODAY. This is perhaps the worst service I have ever had at a bank.
Product: Debt collection

HAD a hospital bill that was paid in full. XXXX XXXX 's XXXX  has no record of a bill in collections and all bills are paid in full. Magguilli law firm continues to harass and add fees to an account THEY have but will not provide specifics for what it is for. It was closed on XXXX because they failed to provide proof of an existing bill from the hospital and continue to add {$1.00} everyday it's not paid. When I asked for specifics what it's for they want to call me back and don't. They are rude and unreasonable. I also filed a complaint with the attorney general and the XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A COLLECTION CHARGE OFF WAS ADDED TO MY CREDIT REPORT AND IT NEEDS TO BE REMOVED IMMEDIATELY THIS CHARGE OFF IS INACCURATE AND INCONSISTENT AND IT VIOLATED MY CONSUMER RIGHTS COLLECTION CHARGE OFF IS XXXX XXXX DATE OPENED XXXX ACCOUNT NUMBER IS XXXX I need this removed immediately
Product: Credit reporting or other personal consumer reports

I have a lot of inquiries I didnt know anything about them
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

In XXXX Select Portfolio acquired my loan. In XXXX I had to do a Loan Modification with them and when I did they tacked on additional over {$30000.00} to the rear of the loan. I know my ex husband wasn't that far behind in the mortgage on the home. Since then SPS hasn't brought the balance down on the mortgage on this home. I have spoken to several friends that had a modification on their homes and their mortgages have come down quite a bit. They are all very pleased with the way their modification has been handled. Thus my reason for filing this compliant against Select Portfolio and XXXX XXXX   XXXX XXXX. the owner of the account. So if this is a loan modification who established the rules on this loan, Select Portfolio or XXXX XXXX  XXXX XXXX? I have read many complaints against Select Portfolio from the XXXX XXXX XXXX and other government agencies, their practices towards consumers are unspeakable. Then if XXXX XXXX  XXXX XXXX allows this they should be reported on as well. My cousin XXXX has a loan modification and her mortgage company has lowered her balance some {$35000.00}. I have had a modification a lot longer than her 's, thus another reason why I am filing a complaint against both Select Portfolio and XXXX XXXX  XXXX XXXX of XXXX XXXX XXXX.
Product: Debt collection

I have 2 collections for fraudulent accounts. The first is for the sum of {$2200.00} and the second for {$890.00}. 

1. COMMONWEALTH FINANCIAL SYSTEMS Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2022 Collection Amount {$2200.00} 2. 
COMMONWEALTH FINANCIAL SYSTEMS Account number XXXX Account type Collection Date opened XX/XX/2022 Status Collection account. {$890.00} These accounts and transactions are fraudulent, not made by me.
Product: Debt collection

Earlier this year I filed a cfpb complaint against LVNV regarding a creditone account I previously had. I am writing to formally address a significant violation of the terms of the contractual agreement that was in place for the account I initially opened with XXXX XXXX XXXX XXXX. As per the agreements terms, all disputes concerning this account are to be resolved through arbitration rather than through court proceedings. This arbitration clause is clearly stated in the documentation LVNV sent me, which includes the original agreement with XXXX XXXX. 

When LVNV Funding LLC acquired this account from XXXX XXXX, you also inherited the arbitration agreement as stipulated within that contract. Recently LVNV and its representation filed a complaint and obtained a judgement unlawfully. 

In response, please be advised that I am currently preparing a Motion to Dismiss your judgment based on your non-compliance with the contractual obligation to pursue arbitration instead of litigation. Additionally, I have initiated an arbitration case with the XXXX XXXX XXXX ( XXXX ), which includes XXXX XXXXXXXX as a co-respondent in this matter. I also was NOT served properly! I am tired of this company thinkning they can do whatever they want to do. 

I expect LVNV Funding LLC and its representatives to comply with the original terms of the agreement and proceed with this dispute solely through arbitration. Further legal action to enforce these terms will be taken if necessary.
Product: Credit reporting or other personal consumer reports

I have informed all 3 credit bureaus that Iam a victim of identity fraud
Product: Debt collection

I have been paying a debt over the phone. They told me multiple times after one of the balances was paid I would be able to pay online. Now they are saying that is incorrect. I have Never received anything with account balances, original debtors, or dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX agreed to remove the collection once it was paid in full. Te bill was paid a few month back and it still reporting on all 3 credit bureaus. I notified all three credit bureaus with supporting documentation and they still havent removed them. The debt was paid on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with XXXX in XXXX this was the only card I opened. In XXXX I had some housing issues and I was XXXX  for a year and a half. During this time I bounced around from friend 's house to friend 's house or living out of my car. During this time my I still only had the one credit card. In XX/XX/XXXX I found out I had several credit cards and other accounts opened in my name and a few were opened out of state, when I applied for a lease, which I was denied for because of the debt. 

I have since disputed with XXXX and have had most of these accounts removed. I have tried to get XXXX and Experian to do the same, but no luck. Every time I try to dispute on XXXX I can't get past the verification questions, only once was I able to and Equifax did nothing. 

So far XXXX has done a great job, but I can't get help with the other agencies. 

There are also incorrect addresses and employment as well.
Product: Debt collection

This company added a collection to all 3 credit bureaus for {$1300.00} on 3 separate occasions dating back to XX/XX/XXXX which has caused my credit scores to drop almost 100 points and has caused me to be denied for credit. The collection was added without being researched, I was never contacted prior to the collection being addeded, and the company refuses to respond to the XXXX in response to the complaint which I filed XX/XX/XXXX. I sent certified documents to this company showing the debt was paid by my insurance provider at the time of service ( XX/XX/XXXX ). The documents were received and signed for on XX/XX/XXXX, but my credit reports have nor been updated nor have I received any follow up communication from this company.They are illegally trying to collect for a debt that is not due and will not respond to any communications.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX Gemini Trust company LLC paused my withdrawal which didnt allow me to withdraw my balance from my account. The promised to give it to my by XX/XX/XXXX but I never received anything.
Product: Mortgage

Plaza Home Mortgage is still reporting incorrectly on my credit file. Plaza Home Mortgage is stating verified that I was late XXXX and XXXX when I have proof that I not only paid on time, but that Plaza Home Mortgage has cashed the checks.Plaza Home Mortgage also has documentation that I signed that will show proof that I was under a mortgage forbeance agreement from XX/XX/XXXX forward and was under a agreement with Plaza Home Mortgage that I was approved for not having to make payments due to hardship and that my mortgage would not be reported as late to the credit agencies due to being in a mortgage forbeance while under forbeance due to my excellent payment history prior to hardship. This was a law binding agreement that Plaza Home Mortgage has failed to follow and has hurt my once excellent credit score tremousdly.That forbeance agreement that they keep procrastinating mailing me a copy of will show proof that I was not required to make a payment due to being laid off from work from XX/XX/XXXX forward .Again Plaza agreed at that time that due to my approval for forbeance I would not be reported late from XX/XX/XXXX forward. I always paid my mortgage on time prior to my signed forbeance agreed.It was because of my excellent payment history and proof of hardship that I was even approved for the mortgage forbeance. This information came from Plaza Home Mortgage. My mortgage forbeance agreement was a legally binding document that was not followed by Plaza Home Mortgage regarding not reporting me late to the credit agencies.By XXXX once out of forbeance I began my three month trial payment with Plaza and as agreed paid on time dispite Plaza increasing my mortgage from XXXX to XXXX.I have asked Plaza Home Mortgage for a copy of my forbeance and they have chosen to keep prolonging my request .Plaza Home Mortgage again agreed to not report me late during my time frame in forbeance from XX/XX/XXXX forward. again due to my approval for forbeance .But despite my disputes to the credit agencies they have failed to follow my forbeance agreement and update my credit report accurately by removing the late payments and documentati.ng correctly ball the months that I was under forbeance .In addition, Plaza Home Mortgage has still failed to mail me proof of where my XX/XX/XXXX trial payment has gone towards my mortgage.Not to mention when I called and spoke to a Plaza Home Mortgage representative she stated that she can see a payment, but no documentation where the company placed the money towards my mortgage.Plaza Home Mortgage has sent a response that they sold my mortgage in XXXX XXXX.I want Plaza Home Mortgage to show me in the federal guidelines where selling my mortgage exempts them from following the law and reporting my mortgage correctly while they owned the mortgage. This is my life I have rights and I expected for this company to stop committing fraud and report me correctly to the credit bureaus and to give me proof of my mortgage forbeance from the year of XXXX.
Product: Credit card or prepaid card

On XXXX XX/XX/21 i tried to make a purchase of gas, when the card gave an invalid passcode error..knowing I was using the correct passcode I entered it twice more, which locked the card. I called the number on the card and was told to wait 24-48 hrs to " UNLOCK '' it..In using the automated system to unlock my card I was given tranaction information and heard a " BANK TRANSFERE '' in the amount of $ XXXX.Knowing that I had not trnsfered funds to my bank, I immediately tranfered to speak w a live rep. who told me that the transaction was indeed made BY PHONE, for the amount of XXXXshe could not give me any more information as to who/where the transfer was made..I looked at the account online and was able to see a " TVR '' Transfer, in which I was told that TVR stands for telephone transfer..Knowing that the bank info was not my bank I immediately called nback to AL way to go card services to report the name of the bank along w what appeared to be an account number. I Reported this as fraud, t and was issued a new card. 
I was the sent forms to fill out to make the claim in writing and to receive a credit of the funds ..I faxed the forms back and the next day called to confirm receipt of the fax and was told that my claim was denied ... When I inquired as to the reason..I was told that there was " conflicting information '' when I asked what the conflict is, I was told that I will receive a letter stating the reason within 3-5 days. and that I should file a report w local law enforcement. I asked for the investigation letter to file w my police report ... I received the letter 10 days later with no detailed explanation..I called again and was told would receive a letter explaining the decision..After 2 wks of no letter I called again today ( XX/XX/21 ) and was told there is no letter with details and that the denial of my claim was due to " MY SPENDING HABITS '' XXXX I have asked that my claim be reopen and an actual investigation be done. For them to state my spending habits as a reason not to investigate and deny a fraud claim is reprehensible and irresponsible for any company entrusted with servicing government funds.
Product: Bank account or service

US BANK! On XXXX/XXXX/XXXX I made a purchase for XXXX. This brought my account balance to XXXX. On XXXX/XXXX/XXXX the bank charged their monthly fee causing the account to go -XXXX balance. 
Three days later the bank states the purchased from XXXX/XXXX/XXXX was processed and charged an over NSF fee if XXXX. I feel this is wrong due to it was a bank fee that over drafted the account. There was no other balance change when the NSF fee was added. 
I feel this is the bank charging a NSF fee for their bank fee which is wrong. Also I was never made aware my account did not meet the requirements and would be charged a monthy fee. The bank has told me this could change ever month. Too confusing for customer 's to keep up with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, - Inquiry : XXXX XXXX, XXXX CITIBANK XXXX - Inquiry : XXXX XXXX, XXXX.
Product: Debt collection

I have received 2 collection letters from Linebarger Goggan Blair & Sampson LLC for a for a traffic violation out of XXXX XXXX Florida dated XX/XX/XXXX for {$230.00}. 

I am not the person named in the account, though I have a similar first name and the same middle and last name. Additionally I have not been to Florida since XXXX and have never received a traffic violation there, let alone in XXXX of XXXX. 

I have attempted to call their number and been on their website multiple times over the last 2 months and there are no options to speak to someone or notify them that they have the wrong person.
Product: Credit card or prepaid card

My card was accidentally canceled by issuers, received apology, promise of new card. Now to my surprise, entire account canceled with no credible explanation. Not sure if I lose my sky miles and other perks.
Product: Checking or savings account

I have banked with fifth third for a long time now and they only allow two reversal overdraft fees in a year. When Covid hit my husband lost his job and his direct deposits stopped due to income drop. We had to totally re structure how we were going to pay for things on auto draft and have tried to cut back as much as possible on expenses. Since covid I have probably paid {$2000.00} if not more in fees. I have had to use my overdraft protection more than needed due to paying bills while stretching to pay day. Recently this year I belive they up all their fees. They used to charge {$5.00} extra if your account is overdrawn more than 10 business days. Now it is {$25.00} and five business days?? How does that not seem insane.

Also I have made an error and accidently debited from the wrong account, I quickly transferred the money from the other account over and made the account positive. I called to make sure no fee would be given and was told no, the next day there was the fee and for {$37.00}! 

Fifth third had the highest fees possible.

I have switched to a new account fifth third offers to help with overdraft by giving you an extra day to cover the funds. But the account will only cover up to XXXX of overdraft where my other account would allow more to be paid. So it doesn't not help for any emergency situation. 

I really want to keep my banking relationship but the fees thst have been paid is insane and now there are products like chime that will pay you earlier and the fees are much lower, plus they will float you as long as you have direct deposit set up. Also I find that I can withdraw my money at more ATMs with out getting a fee where as fifth third only allows their atm for withdraw and its always a minimum of {$20.00}.
Product: Prepaid card

I bought a {$500.00} prepaid vanilla visa debit card in XXXX. I tried to make a purchase online and the card got declined. Called customer service and they told me i needed a replacement. They said they sent one and told me to wait 7-10 business days. After about a month, i called back, and they said theyd send a new one since the one they supposedly sent never arrived. After another month, it still has not arrived, and i can get no information when calling, other than i should wait. They will not provide a tracking number or anything for the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!! 

Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Mortgage ' XXXX I called and spoke with this individual who simply identified herself as XXXX. She did not indicate she was from a mortgage lender. She accepted information on myself and my wife with what I thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted my wife directly to consent to this inquiry. I was NOT aware this was for a mortgage application or loan as she never identified herself as such. My wife called her directly later in the afternoon after receiving an email that her credit had been pulled. She answered the phone with " Hello '' to which my wife asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once my wife realized she pulled our credit, she queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself. 

My wife called again later in the afternoon ( with myself present, on speakerphone, with XXXX aware ) after checking her credit report via creditkarma. My wife explicitly advised her credit was pulled with her date of birth and social security without consent. Same for me. There was no formal application with signature on either of our ends. My wife had never even spoken to her. My wife asked if there was a way for her to report the mistake to the credit union ( s ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing.

PLEASE ADVISE. We attempted contact with credit union ( s ) directly but was advised we needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per the issue. 

Thank you.
Product: Checking or savings account

My account was hacked and illegally closed. This is the second time I have had identity theft and I would like my cash app back as i use it for business. Cash app gave me a generic response and its hard to communicate with them.