23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Refinanced this loan with a local bank. This local bank sent the payoff the Lightstream overnight. There is XXXX  tracking information to prove the payoff arrived at the correct location and signed for by an employee. Lightstream admitted to the address being correct, but said they could not find the package. They lost the payoff. Lightsream took additional payments out of my account 3 days later and then again the next month. The local bank cancelled the first payoff check and again overnighted a new payoff check to the same address and their expense. This payoff was received and the loan was paid off. However, Lightstream is unwilling to credit me back interest from the time they received the original payoff ( which they lost ) to the time they received the next payoff. Some excuses from them have been as follows : the package was too heavy and there is no way of proving a payoff check was actually in the first package ( the one they lost ). How do they know the package was too heavy? They can't even find the package! We have made several phone calls to them and they will not talk to us about the issue since the bank is the one who sent the payoff. So, since they will not give us information on our account with them, the bank has made approximately 10 phone calls to plead our case. Only one time has the bank received a phone call back. The bank has asked twice for a refund of interest from the time period between checks. Both requests have been denied again with reasoning being there is no way of proving a payoff check was in the first envelope they lost. I do not believe it fair for a lending institution to lose a payoff and then continue to charge interest on my account. This seems like a very bad practice. A bank would not pay to overnight a package with nothing in it!
Product: Debt collection

I never received a notice of intent to collect on this debt so i do n't know what it is for. I discovered it on my credit and i have reached out to the complaint on several occasions and i have yet to hear back from them
Product: Debt collection

Hi, I received written notices from the company 'Coast Professional , Inc ' ( XXXX  XXXX forth ) that I had an XXXX debt from my time in the XXXX, I knew of the bill and personally had it XXXX in XXXX by my former XXXX XXXX XXXX I sent an XXXX on XXXX to XXXX in order to dispute the debt when I XXXX received XXXX notice by XXXX but the company never replied. While applying for a XXXX in XXXX I found they XXXX a debt to my XXXX XXXX. I called the company on the XXXX and sent proof of the XXXX  of debt, I called again on the XXXX and they still refuse to remove the debt. It's now XXXX weeks after submitting proof of the debt XXXX with no answer from XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  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 XX/XX/year>, XX/XX/year> and XX/XX/year> 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

In XXXX of XXXX my wife and I had a modification done with XXXX XXXX XXXX. About two yeas later XXXX soled this mortgage to XXXX XXXX XXXX XXXX and Fay Servicing collects the payments. In XX/XX/XXXX our payment went up and we just payed it. In XXXX of that same year I called to ask why our payment went up. I was told that we were behind on our escrow by {$2000.00}. I told them that, that couldn't be right. ( This a 20 year mortgage with a balloon. ) I hung up, then about a month later I called back and got someone else and asked that they send me all documents dealing with this mortgage. I was told at this time that they saw that I had {$54000.00} in the rear from a PREVIOUS MODIFICATION. That {$54000.00} is my balloon. At that time I realize that Fay Servicing had added in the balloon into the mortgage. I finally had to get attorney to get the documents I want it, and they only sent the cover pages of the XXXX XXXX, the modification and financial statement that shows that they did in fact did add the balloon to the mortgage. My attorney has tried to get ALL the documents and it has been a year and we keep asking for them with no results. Now I want not only the documents, I want all audio recording of all phone conversation. they broke the law by not letting me know that they want it to make these changes and I agreeing to it, and violated the mortgage agreement. I wonder if this has happened to any one else.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX and XXXX  XXXX : XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. States i have the right to privacy.

15 U.S.C. 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my oral or written instructions.

15 U.S.C. 1666b A. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

I received a letter from Credit Control , LLC on XXXX stating I owe a debt to XXXX XXXX in the amount of {$14000.00} but In fact I don't owe anything to Lending Club with the account number ending in XXXX. I sent a dispute to Credit Control LLC letting them I am disputing this debt owed and to send me the contract along with all payments made to XXXX XXXX and that XXXX XXXX on XXXX sent me an email stating my account was sold to XXXX XXXX XXXX and that I no longer owed the debt to them and it was marked as paid in full. Credit Control LLC gave me until XXXX to file my dispute with them but I filed it on XXXX via email at XXXX and to this day I haven't received any contract or a payment history showing payments made to XXXX XXXX or showing that the debt has been paid to XXXX XXXX who now no longer owns the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 3 letters requesting the bureau to investigate the inaccurate reporting of several items below : - XXXXXXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX - XXXX XXXX   XXXX
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. 




XXXX XXXX XXXX XXXX  -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$460.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$9400.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$340.00} UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companies that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit reporting or other personal consumer reports

Transunion is allowing the following six companies to report continues inquiries within my consumer report : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. These companies can not provide me with any signed documentation to support these false inquiries, I have provided my ftc report and other supporting documentation informing these companies these inquiries are a result of identity theft.
Product: Checking or savings account

On XX/XX/year> I used the ATM at Bank of America on XXXX XXXX in XXXX FL. ATM # XXXX. I was trying to withdraw {$640.00} cash from my checking account at the ATM. The ATM only gave me {$400.00}. Shorting me {$240.00}. I have been trying to work with the bank but they said today XX/XX/year> they had no idea when this would be resolved.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

The following inquiry was not authorized and should not be reporting : 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 XXXXXXXX, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. I have sent numerous prior requests to your organization asking you to check into the validity of inquiries that I believe are incorrectly reporting with you and asked that you remove them from my credit report. Enclosed is a copy of my Identity Theft Report supporting my position. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Your cooperation and prompt attention are greatly appreciated.
Product: Debt collection

I have contacted PayPal and they have said there is no such bill outstanding due them.From my account. I have since closed my account. 


First notice for collection was recieved on XXXX from : XXXX XXXX XXXX XXXX XXXX 
Phone No. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
The notice said I owed {$120.00}. 


The second notice I recieved was from a different place. This notice said same amount {$120.00}. 
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX 
XXXX, DE XXXX phone no. XXXX When I called it went straight to music. 

My name is XXXX XXXX XXXX XXXX phone no. XXXX
Product: Credit reporting or other personal consumer reports

COMPLAINT ( XX/XX/23 ) XXXX XXXX XXXX XXXX ; You have it listed as CLOSED. 
Their reply was insufficient and I responded to it, on XX/XX/23. 
I called XXXX XXXX and was on hold FOREVER. Not once BUT THREE TIMES. 
I called the Compliance Department and also LEFT THREE MESSAGES This is far from over, for our credit scores are severely damaged BECAUSE of XXXX XXXX XXXX. 
I would appreciate action to satisfy, both parties, on this issue. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I filed a dispute with this bureau about the unverified account XXXX XXXXAccount number XXXX and XXXX  XXXX XXXXAccount number XXXX. In these 2 months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that were recently found on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). These items are as follows : XXXX Date of inquiry : XX/XX/XXXX I do not recall authorizing this inquiry, and I am concerned that it may be fraudulent. As such, I am requesting that it be removed from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX Similarly, I do not remember authorizing this inquiry, and I am worried that it may be fraudulent. Therefore, I am requesting that it be removed from my credit report immediately. 

XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX I do not recall authorizing this inquiry either, and I am concerned that it may be fraudulent. I am requesting that it be removed from my credit report immediately. 

XXXX XXXX  Account Number : XXXX I am questioning the validity of this account 's name and number. I request that you either clarify this information for me or delete the account immediately from my credit report. 

Under FCRA Section 611 ( a ) ( 1 ) ( A ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or outdated. I believe that these negative items are impacting my credit score unfairly, and I hope that you will take the appropriate action to remove them as soon as possible. 

I kindly request that you investigate these items and remove them from my credit report if they are found to be inaccurate or fraudulent. I also request that you provide me with a written explanation of the results of your investigation, as required by FCRA Section 611 ( b ) ( 2 ).

Thank you for your prompt attention to this matter. Please contact me if you require any further information or clarification. 

Sincerely, XXXX XXXX
Product: Debt collection

I purchased a white vinyl privacy fence from XXXXXXXX XXXX for a home improvement project, during XX/XX/XXXX. The fence was financed by Synchrony Bank where I was issued a credit card for Lowe 's with a {$9100.00} credit limit. The card came with a " deferred interest promotion '' of 3.99 % for 36 months. I setup automatic payments in the amount of {$350.00} each month, to pay the balance off sooner than 36 months. But before I paid it off completely, I used the card again during XXXX on a second home improvement project by having XXXXXXXX XXXX replace my roof, and some other home improvement projects. Unfortunately, because of the COVIC pandemic along with the ever increasing cost of living, versus my fixed income, I was going to have to reduce my $ XXXX monthly payments. In addition, I was furthered financially burden when I fell victim to a Bitcoin scam where I lost {$18000.00} from my checking account during XX/XX/XXXX. I sent Synchrony Bank a copy of the Police Report. On XX/XX/XXXX, I notified them by email of my situation and informed them that I could not afford to pay 26.99 % interest, with " Late Fees '' and " Overlimit Amount '' Fees, but I would be willing to make $ XXXX  monthly payments, as a sign of good faith, for the next 2 months. After which I would be in a better financial position to pay the balance in full! I only asked if they would be patient and work with me. Synchrony Bank has shown absolutely no compassion or empathy for my dire situation and continues to increase the balance on the card. If Synchrony Bank is allowed to continue with their selfishness and greed, it will only damage my credit rating, and I request that action be taken as soon as possible to prevent that from taking place.
Product: Checking or savings account

Several transactions occuring through XXXX to XX/XX/XXXX totaling roughly XXXX. Purchased online using my compromised debit card and delivered to my home address while I was several states away. Open police report and the bank denied the claim. PNC has not been helpful at all and have had little to no communication. Tried talking to them via the chat in virtual wallet and then when I called them they said they had no record of my chat and said their app must have been compromised aswell. Yet they admit the app was hacked but still denied my claim. I m just looking to get my money back and be done with the fiasco.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank had a balance of {$2700.00} was closed XX/XX/XXXX. Was sent to collections and a law firm named XXXX and XXXX. XX/XX/XXXX I settled with the law firm and made a payment of {$2000.00}. My credit report states I owe XXXX XXXXXXXX {$680.00} however I have a letter from the law firm XXXX and XXXX that the account is settled. This account should be removed as I paid the law firm then settled amount.
Product: Checking or savings account

I had a checking account with Wells Fargo in 2018. A lot of times my account was frozen for no reason and my checking account was eventually closed. I was never given a reason why, which was very frustrating and inconvenient.
Product: Checking or savings account

My problem with American Express is that they closed my account and are refusing to issue the balance of that account due to security concerns. When asked about specific reasons or concerns the only answer I was able to receive from them after several attempts was that for the security of their bank and other customers they didnt need to give a reason or any explanation. While this was extremely frustrating, I then tried to recover the balance of the account. They said because of their concerns and reasons for closing the account, which they would not tell me, the only way I could recover the funds was to have the issuing bank the funds came from withdraw those deposits and put them back into the originating account. I still have an account with the issuing bank but they are unable to withdraw the money back from their end. I tried to have the two banks communicate but they would not communicate on a recorded line. American Express refuses to issue a check for the remaining balance. And now four months later I have still not been able to retrieve my remaining funds of that account. The account was opened by myself on or around XX/XX/XXXX and closed by American Express on or around XX/XX/XXXX. I do not have exact dates as they have blocked the online access to the closed account. I dont know what else to do and would appreciate any help you could offer me. Thank you
Product: Credit reporting or other personal consumer reports

This is an Opt-Out Demand. The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inquiries that I believe to be fraudulent and negatively impacted my credit report. Below is a detailed list of the inquiries in question. 

XXXXXXXX XXXX XXXX XXXX XXXX I have not authorized any transaction with these institutions and I believe these inquires are the result of identity theft or fraud. I kindly request an investigation into inquires. And the removal of any fraudulent inquires from my credit report. I have attached a copy of the ftc report and my photo I.D .