23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LVNV Funding has been harassing me since XXXX. I submitted a dispute via CFPB and the credit reporting agencies originally on XX/XX/year> to which the company responded on XX/XX/year> that they had no record of an account by my name. I have disputed and requested all original documentation and have yet to be provided with it. They have called people unrelated to anything with this account and whom were not authorized to be be contacted and disclosed it was a debt collection attempt. Today I received a summons to appear in court to be sued by the same company who claimed they had no account under my name and still have yet to have received any original loan contract or documentation with my signature.
Product: Vehicle loan or lease

I been having nothing but a Horrible time with BMO Bank, They can't tell me were my XXXX went to and how did it get applied to my loan. If My loan was for 84 months and they stated that they took the XXXXWarranty ( Returned ) and applied it to my principal balance Show me were and how did it change my payment amount and why did my payment term Either became a lesser term or why did my pay amount decrease. No one at this XXXX XXXX bank can explain where and how and why question. they keep saying the same thing it was applied to your principal balance even though your payments didn't go down and your 84 month terms didn't change. We applied it but we can't tell you how it was applied XXXX missing. ( and I Want Answers ). your account or were it went but we see it Did get applied I AM SICK OF HEARING THAT EITHER SHOW ME THE MONEY OR GIVE ME THE MONEY.Also I've been waiting on a refund check from this same XXXX XXXX  They have a Bunch of incompetent employees that works For them it seems like they just hired a bunch of middle school age kids to answer the phone.who lacks Customer service skills and a bunch of other skills. ON XX/XX/2023 .they told me to call back and because they sent me out an over payment back on XX/XX/XXXX for XXXX that I have yet to receive .every time I call they Hang up the phone .This happened 5 times yesterday XXXX. They told me if I didn't receive the check by XXXX to call back to get a new check reissued .And that will take another 30 day XXXX why is it taken so long to send out a Check that has been lost over 8 weeks now Why do I need to keep waiting. If they can't get a check out for XXXX and explain to me were my check went to then how am I suppose to belive that they are telling me the truth about my XXXX Show me were my XXXX was applied and Send me my XXXX express mail since they can't get it to me by regular mail .I really hate This company and they Also keep lying saying they don't have a officer of the president were you can write a complaint on how treble there customers services is They will answer the phone and ask you your personal information. Once they get it they would disconnect the call .This has happened several times.or they will. Leave you on hold for a hour and never check back.this Bank need to be investigated. By The FDIC as well as The FTC they are stealing customers money without a clear indication on were the customers money went .if this issue isn't resolved I will be filling a law suit on this Bank They think they can stealing from the little people but what they need to understand it only take one person to open up.a can of worms to take down a corrupt corporation.
Product: Debt collection

I was notified that I owed a debt to XXXX XXXX  By Portfolio Recovery Associates , LLC. 
I contacted them asking for information, they said they would give that to me. The person I talked with was rude and combative, just reading off the screen. They agreed to provide it. Also I said I wanted to dispute the debt. They said ok. 
A week goes by, no information received. I called them up. They said they disputed the debt, failed to notified me. I asked for an appeal process, they failed to provide it. I Reluctently paid it. However, over the phone this individual was more concerned with making a payment plan. I asked is there any proof this debt is mine ... and will you send it ... no stick to making a payment plan. This went on for like XXXX to XXXX minutes. Once again reading from a script. 
Still no evidence from the company to provide me with the information I requested. I Identified to them XXXX a victim of Identity theft. from XX/XX/2022. And that The XXXX was not mine, because I paid off the card back in XXXX of XXXX. 
Because of these strong arm tactics, my wife things I have more accounts out there, threatening to leave me. Thinking some of the charges are for XXXX.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> Equifax removed late payment from my credit report advising no late payments for rocket mortgage and account is paid as agreed. I noticed this late payment was added back to my credit report. This information is fraudulent and needs to be REMOVED and not put back on my credit report or legal action will need to be taken. I attached the current credit report and the credit bureau response on the previous claim.
Product: Mortgage

I would like to request a loan amortization schedule. At my current monthly payment, I would like to know if the loan will be paid off by the end of the loan term. I do not want there to be any surprises once the loan term has come to an end. I don't want any unexpected payments. I want this loan paid at the end of the loan term. I find it unconscionable that I can not get an amortization schedule. How else can I know exactly how long it will take to ensure the loan is paid in full. I also do not wish to incur in additional mortgage interest. I also wasn't aware when I signed the modification that the modified loan will bar me from receiving an amortization schedule. Since you are not able to provide the amortization schedule, where can I get a loan amortization schedule from? I am frustrated with your inability to provide something as basic as a loan amortization schedule.
Product: Debt collection

I never got a loan from cherry technologies They provide loans for XXXX  XXXX Ive never had XXXX  XXXX This is identity theft This loan is not mine Im not responsible for the fraud Cherry technologies continues to harass me for something I did not due in direct violation of my consumer rights. They are breaking the law and violating the fcra.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : Conserve DATE OPENED : XX/XX/scrub>XX/XX/XXXXThese accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Vehicle loan or lease

I submitted a complaint and the response the CFPB closed the case on was a blatant lie. They stated that they do not have an option to choose savings or checking and I have screenshots proving there lie. I am still requesting reimbursement for the fees my external bank charge as US bank made unauthorized withdraw from my checking causing {$50.00} in fees. My Credit union has one account number used for both checking or savings and teh radio button on US bank side is supposed to direct it to the correct account. If the radio button is not working that is US bank issue. I have called and US bank did confirm this is a known issue causing customer harm Here is the original CFP details : Original Complaint # : XXXX Specific US Bank Lie : `` The payment you made via web/mobile banking on XX/XX/XXXX, was returned as non-sufficient funds, and reversed off the account. When customers add an external account for payment, there is no option to specify if the account is savings or checking. Since no errors were found in the payment application, we recommend you work with your other financial institution regarding this issue. '' Proof of LIE ( Screen shots ) attached below Please note : I re-made the payment using the same saving setup and they pulled it from checking 's again. 

ORIGINAL COMLAINT : I made my payment using my external Saving account. They withdrew from my checking causing me a late fee with US bank {$30.00}. I was also charge {$50.00} from my external bank America First CU. I have a screen shot of my external account being set up with Saving selected. Please note, this Savings account is used for a different mortgage and gets withdrawn from saving flawlessly as well. US bank has blatantly disregarded the issue they cause and placed me on mute until disconnecting the call when I asked for a higher manager. I was placed on mute and hung up on 2-3 minutes later. Although I have not been reported to the Credit as delinquent, I want my internal US Bank delinquent status removed with US BANK. I feel this is being done intentionally to de-fraud customer and gain late fees on unsuspecting customers. Although it was waived it took a fight to get it waived and they still own me what my other bank charged me {$50.00}.
Product: Student loan

On XX/XX/XXXX, I uploaded signed PSLF forms for eligible government employer. I was told in XXXX that it had been approved and processed. Still, as of today XX/XX/XXXX, MOEHLA has refused to submit or process the qualifying months and have only processed one of five months on the signed form. Representative told me over the phone that it had been processed and sent to FSA for count to be applied to my account. When I demanded proof of this request and why only one month had been processed, I caught her in a lie. She then said it was still in processing and hadn't been sent to XXXX or applied, which is also a lie because of it hadn't been processed, how would XXXX month have been processed and counted. 

I also uploaded a form and documentation of another eligible employer ( XXXX  ) on XX/XX/XXXXXXXX  with accompanying eligibility documentation ( XXXX XXXX ) and MOHELA has done nothing to process the submitted form. 

Representative : XXXX ( XXXX XXXX ) claims they only verified XX/XX/XXXXXXXX  but have to verify all other days of employment, even though the entire employment period is on one form and signed after employment period ended.
Product: Credit card or prepaid card

The bill was not sent to me for several months ; the number on the bill does not match the credit card number. Also, payments applied from my checking account were deducted from my checking account and were not credited to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX took the car after receiving a payment that month - by coming onto private property without Police. They claimed that Pennsylvania does not required it. To date- they are reporting the vehicle debt as new and regularly report late payments when the car was taken in XX/XX/2017.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX from Legal Administrations called me from XXXX ext XXXX. Stating that she was calling from a Law Attorney office and needed to verify my address and my social security number because she needed to serve me documentation. She also stated that the law office would be filing a judgement against me to start garnish my wages from my employer if I didn't settle this debt immediately. I've told her countless of times that I've never been contacted about this before. They contacted my aunt originally and NOT myself. my aunt gave me their number to call back to see what this was about. I've asked for Documentation from proof of this debt she said there wasn't much information that she could provide me because the case was sealed and that all she could see was that it was coming from the XXXX XXXX XXXX. I've asked if i could dispute this because I've never had a debt with Lane Bryant. Apparently this is who i own money to but she said it was to late to be disputed. I mentioned to her that I dont see this on my XXXX XXXXXXXX and she told me that XXXX  XXXX is a fraudulent website the doesn't necessary show all of our debts and that's why I haven't been able to see that I owe this debt. I told her i wouldn't make payment until i received proof of this debt but i still haven't received anything.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and upon looking at my credit report I saw that this company national Credit Adjusters put an account on my Credit Report Account # XXXX with a balance of {$430.00} They have contacted me through email which is a violation of the FCRA my rights 15 U.S. 1692 ( YOU HAVE A RIGHT TO PRIVACY ). I have never agreed to do any business with National Credit Adjusters, nor have I signed a contract to do any business or service with your company. I'm a Victim of Identity Theft and I have included it with this complaint with Your name National Credit Adjusters and Account # XXXX. I ask that you send me a copy of the purchase agreement and that you also Cease and Desist all Collections on this XXXX and that you it be Deleted from all Reporting Agencies and Credit Bureaus XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX too Thanks. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX ATTN : POPULAR MORTGAGE After reviewing the appraisal for my primary residence, I would like to request further clarification and investigation by the appraiser. Base on the additional facts on this statement, that can be found on public and private record, I would like to ask for a reconsideration of value base on the following points : This Property was purchase at XXXX in XXXX ( consider under value at that time ), including the fact that some areas were not functional, but it was habitable. 
This appraisal performed in order to refinance my property, was completed by same appraiser from XXXX, when property was purchase, which should have been a random selection, so there is no bias. 
Value considered by appraiser= XXXX XXXX inflation from XXXX to the present is at a 3.61 as per bls.gov which is a federal goverment source, for this reason current price of the property without the upgrades can be calculated at {$220000.00}. 
If previous amount is subtracted only around {$1200.00} was added in value after completed renovation and almost 2 yeas of rising prices. 
Not recently renovated, with more than 6 months of appraisal, outdated interiors and smaller properties were compared on the appraisal, the most similar property will be the one from the XXXX XXXX because has the same view and is located on the same area on a higher floor, but this property was value more than ten months ago. 
The main fact of disagreement on the appraisal is that there are no properties currently on the market under XXXX around 1,200 sq ft located in this area recently renovated with 3 bed, 2 bath, laundry and 2 parkings ( 1 car garage ). Renovated areas and the amount of parking should be considered to add value to any property in this location. 
Another fact is that prices in the area since XXXX until moment still rising in addition to the lack of inventory in the entire island adds even more value. 

Upgrades 1. Flooring removed and renovated 2. Added 3rd room with closet space 3. 2 bathrooms were renovated, 2nd bathroom ( guess bathroom ) was made functional 4. Removed walls from walking closet located at master room which added more space to the room 5. New Laundry area with sink 6. Plumbing system, added stopcock inside the apt ( not available in most of the apt on the building ) 7. Electrical system 8. New Doors for all rooms 9. Fully painted Location 1. Closest residential building to best beach club on the island XXXX XXXX XXXX XXXX ) XXXX. Gated condo with beach access, playground, gym, pool, laundry facility, meeting room and 4 elevators. 
3. XXXX hotel next to the building also less than XXXX minutes walking distance from XXXX XXXX and Since XXXX to XXXX XXXX hotel. 
4. One of the few exclusive view to the Airport landing track 5. Partial ocean view at each bedroom Attached you will be able to find sales prices of properties in the area that were recently sold with similar spaces that can be consider comparing also some of the receipts for the renovation.
Product: Debt collection

I work for XXXX hospital and was XXXX at work so they sent me to XXXX for XXXX. I have XXXX medical insurance and this was supposed to go through workers Comp. I have submitted the paper work several times to Dept collector and human resources. They refuse to correct this issue and have ruined my credit score. They harass me by phone and mail daily and have threatened me with a judgement. I do not owe {$1500.00} for this medical treatment.
Product: Credit card or prepaid card

Capital One has a fraudulent account on my credit report. Ive submitted proof of claim including a police report and other documentation however they continue reporting this false information.
Product: Mortgage

To Whom It May Concern : I received an unsolicited request to modify my HELOC loan at Bank of America. I signed loan documents in XXXX 2015 effective XXXX 2015 and first payment date XXXX XXXX, 2015. My loan has still not been boarded on the BofA system which I understand is a CFPB and RESPA servicing violation. 
I 've been diligently working with BofA to get this corrected, but to no avail. I 'm told that the issue is that when I signed loan documents BofA 's system automatically generated the wrong date on the Clarity Commitment document. I 've asked for the corrected document and they refuse to send it stating it must be system generated and there is a glitch in the system. 
In the meantime, BofA instructed me to make and continue making the payment based on the new loan modification documents. Since their system does not recognize the new payments they continually send me late payment notices and continue to tell me to ignore them and make payment based on the signed loan docs. Now I have mortgage lates on my credit report and BofA is non-responsive. 

I 'm told that the situation is not unique and this situation effects many consumers. 

I 'm respectfully requesting your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX XXXX XXXX confirming that i signed up for their services and purchased XXXX somehwere on the east coast at the XXXX XXXX XXXX store. My identity was stolen, XXXX XXXX XXXX ran twice a hard pull using my social security. I'm curious did XXXX XXXX XXXX perform an identity check before using social security number to run the report. A couple weeks later I received a call from XXXX XXXX XXXX   fraud department saying that they put a fraud alert on " my '' account and said that there will be no hit to my credit score. Well, I checked my credit report and because of they pulled it twice with the difference in 2 days, my credit score went significantly down. I'm just curious, how in the world, XXXX XXXX XXXX did phones financing at the actual location without checking identity. Now I have to report stolen identity and dispute hard pulls and wait for the results because of their poor activities.
Product: Credit card

My card was lost. My wife called the credit card company to open an investigation. She mistakenly told Wells Fargo that I had the card because I rarely utilize my credit card and thought I had the credit card but I didn't. I received a letter stating since my card was in my possession I was responsible. We went to the police and filed a report. Unfortunately they couldn't obtain transactions video as XXXX only keeps tape for 24 days. I called Wells Fargo to update them with the revised statement and the police report. Yesterday I received a letter from them stating that they have concluded their investigation and the charges are my responsibility.
Product: Debt collection

Acima Leasing uses pressure and trickery to target people in lower-income communities to buy into their furniture leasing agreements. Acima used deceptive business practices to lure me into a furniture contract in the amount of XXXX. Acima started to overcharge me despite my debt being paid off. I paid about {$3300.00} towards the contract however, Acima is still attempting to charge me for a balance. I am demanding a refund for the amount I over paid. I am also demanding they stop contacting me to collect a debt.