23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV collection agency has filed suit against me for a credit card debt. I do not agree with the amount they say I owe. As of XX/XX/2019 I have not received a summons but was notified by an attorney offering his bankruptcy services. I asked LVNV to provide proof of the debt. It was never provided to me as I requested. My debt has been sold to LVNV by a company who owns lVNV and that company is owned by XXXX XXXX which owns LMNV. I dont know who actually owns my debt and I dont believe they have a signed contract from the original creditor. I believe that this agency is using deceptive name changing to validate their proof. I have informed them of my XXXX  XXXX and that I am judgement proof and on XXXX for XXXX XXXX. I believe they omitted that information when they filed suit as to not bring attention to my XXXX and my XXXX health status. I believe they are counting on me not showing up to court to obtain a default judgement. I have nothing to place a judgement on. Appearing in court is something I can not do. With the medications I take and my fear of unknown situations it would cause me to suffer a setback in my condition and actually make me ill.
Product: Mortgage

I have a mortgage with Mr Cooper that was transferred to them in XXXX, completed on the XXXX. once the transfer was complete, i paid for the month and set up autopay that was scheduled to start the following month. There auto charged me immediately the next day on the XXXX. i was able to get that charge reversed. Shortly after, i re-setup autopay. 

I didn't receive a statement for XXXX and the next bill i received was for XXXX. Autopay drew from my account what was on that statement. however, my account was still showing unpaid for XXXX. I called and they said what i paid was applied to XXXX and they couldn't find a statement for XXXX. I didn't receive any notice that i was missing a payment or that my account was behind. And speaking with the repXXXX they canceled the autopay without notice.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 instructons 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 XXXXXXXX XXXX 

15 U.S.C. 1681s-2 ( AX1 ) 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: Credit reporting, credit repair services, or other personal consumer reports

RECEIVABLES PERFORMANCE {$1000.00} I challenge the accuracy, compliance and reportability of this listing by RECEIVABLES PERFORMANCE, and I contacted original creditor and was informed that this is an error and you must remove it, and they stated that this was not verified by their companyaccount was settled with original creditor ( XXXX XXXX  ) no contract existdebt can not be collected twice ; this against the law. 
... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow.

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting, credit repair services, or other personal consumer reports

Under RESPA my loan should never have been reported as late as I am protected from any lates fees and/or late reporting for 60 days within my loan transfer. 

Avrest Mortgage recieved my loan on XX/XX/2020 and went ahead and reported me late to my credit report on XX/XX/2020 along with charging me a late fee on the XXXX which was finally waived, however they have failed to remove the 60 day late on my credit report which is negatively effecting my current loan application Under RESPA they are required to immediately remove this reporting and fix their violation, instead customer service informed me they would review their mistake, which they admitted and wrote notes on, however it would take up to 60 days, whereas they should have immediately inputted a request for immediate action This is a major violation and needs to be corrected as it is costing myself damages in loan approval based on their inaccurate reporting furthermore they are continuing the negligence by failing to remove the information immediately as required by law instead choosing to give me 60 days for a review.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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  has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I wrote Credit Collection Services on XX/XX/2021, and XX/XX/2021 asking them to validate this debt they keep trying to collect on behalf of XXXX XXXX. Despite my asking for validation, they only keep sending me a bill continuing to attempt to collect this debt. I do not recall signing any contract with this company and they did not write me to tell me they were going to report this debt on my credit which is damaging my credit worthiness. 
Instead of validating this debt, they sent me a settlement offer. In order to close out this matter, which THEY NEVER VALIDATED, I told them I would accept their offer in exchange for them removing this debt from my credit reports with XXXX  and XXXX  that they are reporting this account to. They never replied to my offer. 
At this point, I am not interested in settling with this company, as they never complied to any of my letters, and I do not owe them anything. Unless they can prove that I entered into some type of contractual signing giving them a right to collect on this debt, they are falsely reporting this account on my credit. I am now turning to you to see if you can help me resove this matter. They also are using two different addresses, in which I am sure they receive correspondence to both addresses.
Product: Credit card

On XXXX, XXXXXXXX XXXX, I took a taxi ride in XXXX XXXX that was supposed to be XXXX XXXX pesos according to the taxi meter. The driver charged XXXX XXXX pesos to my American Express. I received an alert about 45 minutes later from American Express. I immediately called American Express and said this is a fraudulent amount on the charge. I was assured by American Express that this would be taken care of. 

On XX/XX/XXXX, I see that American Express accepted the charge from the merchant despite my calling immediately on XX/XX/XXXX. The XXXX at American Express re-opened the dispute for amount of XXXX XXXX XXXX minus the XXXX XXXX XXXX ( which I was supposed to pay ). This dispute was ~ {$2700.00} XXXX 

I provided detailed documentation of where I was on XX/XX/XXXX during the time of the transaction and how there is no possible way a XXXX taxi ride could be XXXX XXXX. 

Amex requested documentation from the merchant and they provided a paper showing a XXXX XXXXXXXX XXXX  charge with a signature that was not my signature. I told American Express that I was never presented anything to sign and I was had never seen the merchant documentation they presented. The driver also said they could not provide me a receipt. I then sent American Express a copy of my driver 's license to show how the signature does not match mine. 

Despite all the documentation I have provided, making at least 10 calls into American Express and being a card member for 28 years with a flawless payment record. American Express is still not helping with my dispute. 

Further, I spoke to another manager about this on XX/XX/XXXX. She said she would personally handle this and review all the documents I have sent in detail. She would then call me back. I never received a call back from the manager. And, American Express debited the money from my bank account without my authorization. 

I am hoping that the CFPB can help me with this case. 

I also have no choice but to engage with a consumer protection attorney on this matter. 

I always had the impression that American Express was diligent about consumer protection but I have come to find is is exactly the opposite. I have spent numerous hours of this and have experienced a great deal of stress trying to work with them.
Product: Mortgage

Dear Sir or Madam ; We have been making extra payments on our mortgage for over a year. In that time the mortgage Company " sometimes '' applies the extra payment when received. Other times it takes over a month or in one particular instance 4 months. I have contacted them and was told they would apply them correctly and reprocess, these were just empty words. 

I am tired of being placed on hold, not having my emails returned. XXXX XXXX formerly Merrimack Mortgage is the worst Company I have ever had to deal with. We were going to refinance just because of the " shotty '' accounting practices. 

Now I feel so strongly that if this is happening to us how many other customers are they holding there monies and possibly making interest off of? 

Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/2022 I received an unsolicited Visa card from Chime, a financial technology company based in XXXX XXXX. The card was in my name and sent to my home address. On Tuesday, XX/XX/XXXX, I received a text from XXXX notifying me that my Chime Visa was in the mail. I contacted Chime via the help phone number ( XXXX ) listed on their website ( chime.com ) to close the account as I had not opened the account. 

Chime asked me to verify my information, but the email address on file was not mine, and so the customer service representative said they could not close my account over the phone. A supervisor informed me I would only be able to close it after submitting documentation, but I needed to wait for their fraud department to contact me with information on where/how to submit that documentation. I am still waiting ; in the meanwhile, someone has access to a digital financial and banking account in my name and is likely using this fraudulent identify to commit fraud. 

I asked for an alert or freeze to be place on the account in the interim. The customer service supervisor I spoke with said this happens frequently. Chime makes it easy for anyone to open an account with anyone else 's information, and the company erects unnecessary barriers to close the account.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I have been a victim of identity theft and found numerous inquiries that I have no knowledge of. Here are the accounts and dates that Ive found, XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I also attached my identity theft report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company the debt was sold to and they dont even have the same account number as the bill I have showing what I actually owe, which is less. 
We received services for my daughter XXXX who was XXXX XXXX at the emergency room for XXXX XXXX, with XXXX insurance. The insurance paid the hospital but the attending physician was contracted and has an agreement with XXXX for specific amounts to be paid by them. XXXX was only responsible for {$70.00} of the {$500.00} to the physician which was never paid. Therefore a bill was sold to collections in my name because I am her mother and legal guardian, for the {$500.00} and not the actual {$70.00} per the insurance contract between the physician and XXXX. 

When I spoke to the company the debt is sold to they were of no help and insisted that I owe {$500.00}. When I told them I have the bill in my hand showing what I actually owe per my insurance and contract the physician has with XXXX, they didnt want to listen. 

I tried to dispute it with XXXX and submitted the bill I have and it didnt do anything.
Product: Debt collection

on my credit report RUSSELL COLLECTION A G-XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Opened XX/XX/XXXX ( 5 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX I was n't in XXXX mi. only in XX/XX/XXXX untill XX/XX/XXXX and i never had XXXX work done an never when to that place. there was a XXXX man name XXXX XXXX XXXX they stolen all my stuff birth cer. my daughters birth cer. my medical records on my health problems and more and there is changers on my credit report i did do from XX/XX/XXXX till now and i do n't know them people using my sscard or my identie but i am for sure XXXX XXXX are doing it
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Bank of America, dated XX/XX/2022, asking me to call them right away because they'd detected suspicious activity on my credit card and as a precaution they've temporarily suspended the account. Afterwards, I called the phone number given on XX/XX/2022, and spoke to the fraud department of Bank of America.They informed me that a credit card had been opened in my name of which I informed them that I had no knowledge of. They told me that the credit card was opened with a $ XXXX credit limit and that {$14000.00} had already been charged on the card. They also reported that a payment had been made on the account as well. Since I had no knowledge of this account, they informed me that they would, and did, immediately close the account and I was instructed to make a police report of this incident and to also inform the credit bureau 's of this occurrence. They also told me that I would not be responsible for this debt. My next step was to go directly to a Bank of America on XX/XX/2022 to confirm that the letter was actually from them, in which they informed me they could only confirm that the account referenced had been closed and that I should continue to make a police report. The XXXXXXXX XXXX XXXXXXXX. referred me to you to submit this complaint before we can actually file the police report.
Product: Mortgage

I closed on my property in Florida on XX/XX/2024. I received information from RP Funding that I would receive an escrow refund of XXXX. My wife and I had already moved to Connecticut and contacted RP Funding to change our mailing address. They had me fill out a form which I received and sent back on XX/XX/2024. I was told that my wife and I needed to sign this change of address so I did so and sent it back on XX/XX/2024. 

The web site for RP Funding indicated this check was produced on XX/XX/2024 and was being sent to the mailing address on file. Called mid XXXX to ask about the refund and was told that the check was cut and sent but could take up to 30 days to arrive. If not received in that time, we could request a refund. 

The check was not received as of XX/XX/2024 so I chatted in and was told that they would request the reissue even though it was a couple of days early. It was recommended I contact back on XX/XX/2024 to verify it was processed. 

I contacted again on XX/XX/2024 and was told the request had been submitted and it could take upwards of 30 to 60 days to receive the check. If I did not receive it by XX/XX/XXXX, I could request a reissue. I find this to be excessive and unacceptable on their part. They continue to give mixed messages back to me, such as 30 to 60 days to process and send the XXXX check, and I am also told that the check was produced and mailed. It is impossible to get the entire story. 

RP Funding refuses to give me satisfaction in this. They refuse to process this as an ACH refund and insist it be a check. I have yet to receive the XXXX check. In the meantime, I did receive a smaller check from them timely and have continued to receive multiple letters from them, all sent to my current address. If all this other correspondence is arriving in a timely fashion, why isn't this refund check coming in a similar timely fashion?
Product: Debt collection

Hello, The debt collector neglected to provide me with written verification of the debt. They phoned me and left multiple voicemails during the dispute procedure. Debt collectors are not permitted to call or contact you until they have confirmed the debt in writing to you. This, I believe, is a communication strategy for resetting the clock on an old debt that is not mine.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EXPERIAN : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Refer to previous complaints. I've had this issue ongoing for over a month. I submitted a police report pictures arrest logs and the first couple of times I mean this claim with Bank of America they got all the information wrong and when I called to correct it I don't think they even did that and it's since been denied when I have all sporting documentation proving that my card was used without my consent. I'm sick of this has been going on for 2 months and they denied my claim first they said it was because the card was in my possession which it clearly wasn't and I said that first time I talk to them. They consistently got the claim wrong and continue to deny me when I was completely taken advantage of stolen from and have records and documentation proving it. This is total garbage. I ended up with a stolen car, purse and other belongings, a brief XX/XX/XXXX, XXXXXX/XX/XXXX, and a drained bank account. I provided the arrest record and any other documents supporting this and yet I was still denied!!!
Product: Student loan

When I gradutated school I was stuggling to pay my student loan leading to them add a lot of interest, non payment fees and other fees which balloonedmy loan. I did claim bankruptcy in 2012 and did tell the servicer AES which they didnt want to drop any interest, fees or charges. When I got back on my feet and got a stable job, I started to pay till this day. I think it is unfair I have to pay all those fees, charges and interests on the loan when I didnt have the funds during those years when I was not working. 

My orginal loan was XXXX When I finally started to pay it off it was as high as XXXX XXXX XXXX Loan Status : REPAYMENT Disbursement Information Disbursement XXXX Loan Program : XXXX Owner : XXXX Guarantor : XXXX XXXX XXXX XXXX XXXX AT XXXX Out of School DateXXXX Interest Rate Information Interest Rate:5.99 % Interest Rate Type : STANDARD VARIABLE Subsidy : NON SUB Loan Balance Original Balance : {$28000.00} Late Fees : {$0.00} Unpaid Interest : {$130.00} Principal Balance : {$33000.00} Payment Information Monthly Payment : {$360.00} Repayment Plan : Standard Repayment Term:131 Months Expected Payoff DateXXXX Due Date Information Next Due DateXXXX  Days Delinquent:0
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX, XXXX and Equifax after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts listed below on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts lates will be removed. 
XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$600.00} XXXX  XXXX Balance Owed : {$260.00} XXXX XXXX XXXX Balance Owed : {$130.00}
Product: Credit reporting or other personal consumer reports

The following account REGIONAL ACCEPTANCE acct # XXXX was charged off as of XX/XX/2021. Since the the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. This is a direct violation of the consumer Fair Credit Reporting Act. This also falsely manipulates the statue of limitations. This account is approximately 6 years old. Which due to the nature of falsely reporting every month as a late payment or past due this account should be removed from my credit report.