23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have already previously filed complaint with the CFPB against this debt collector ( Complaint # XXXX ). The debt collector responded to the complaint confirming that the debt has been paid in full and removed from my credit report. 

Now two months later, the debt collector is claiming I owe additional money for the same debt and they have reported it back to my credit report. 

SEE ATTACHED
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent my FTC report, my license to Experian by certified mail. I have fraudulent information reporting on my consumer report.
Product: Credit reporting or other personal consumer reports

I am the author of this complain and I have attached my forms of ID below as proof. 

I have checked my credit report and saw some account activity that was being reported inaccurately. I reached out to XXXX, Transunion and XXXX to dispute these items because according to my research, the CRAs are required to conduct a reasonable investigation as stated in 15 USC 1681a. The furnishers of these accounts are also required to cease reporting to the CRAs if the information is in fact, inaccurate according to 15 USC 1681s-2b
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a rep last Monday at Experians consumer affairs area. The rep initiated the disputes on my behalf. I faxed over a copy of the police report to them. They did n't ask for anything else. I get an email from them on my work email saying that they could n't honor my request because they needed additional information. I am going to submit it through here that way there is a paper trail. Experian is looking at a lawsuit. I am a victim of identity fraud and I have sent over the required information. I also have proof that was sent over to them and that the fax succeeded. I am attaching that snippet in my documentation. I am also sending over another copy of the approved police report that I sent, a copy of my dl, a copy of my electric bill as well. I anticipate this being finished by the end of the week or I will be filing a small claims lawsuit first thing next Monday morning. I am going to submit a complaint with the ftc as well so that my lawsuit is no surprise. I am over this and very tired of it. I expect to see this resolved no later than Friday. Please see documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer have tried to dispute accounts that were resulting in IDENTITY THEFT the creditors, XXXX, XXXX, AND XXXX failed to block and remove the accounts according to XXXX XXXX XXXX XXXX XXXX PLEASE remove accounts from consumer report
Product: Mortgage

I have been attempting to close my HELOC since XXXX. I have taken every step in closing my account, paid the closing costs, but the mortgage company has not closed my account and I now trying to charge me for homeowners insurance for a loan that should have been closed in XXXX. I requested to close and freeze my HELOC per their instructions and the account was frozen XX/XX/2021. I requested a payoff statement on XX/XX/2021 and was told to pay online, since the amount was under {$1000.00} this was ok and did not need to be certified. I paid the payoff on XX/XX/2021 and waited. Since the payoff, I received letters that I needed an insurance policy on the house and if I didn't send them a copy of my insurance they would purchase a policy. I called the mortgage company and explain I closed my account and paid the payoff. They specifically told me not to worry about it and the account would be closed and I wouldn't need to do anything. 3 weeks later I receive a notice with the insurance policy they purchased for my home against my will. I have called every day for the past 2 weeks asking if they can please remove the insurance policy and close my account that I have been trying to close since XXXX. I keep getting the same story that they're working on it, and escalating it and they keep pushing the date to which it will be closed by. First it was XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, and this last time they mentioned XX/XX/XXXX. They are keeping my account open against my will. I have frozen the account XX/XX/2021, paid the payoff request XX/XX/2021, and requested many many times to close it. They are keeping it open and charging insurance on my account and I believe this to be fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information being furnished in the personal information section of my consumer report since XX/XX/20 that Experian has PURPOSLEY furnished for years and have YET to do a VALID investigation and get these errors removed from my consumer report. This inaccurate is ruining my reputation. I need these errors DELETED from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having multiple problems with Transunion that I want fixed so I can pursue a new student loan. 

1 ) An incorrect collection is being listed on my report from XXXX XXXX XXXX. XXXX wrote Transunion asking for it to be deleted, Transunion has not deleted this tradeline. 

2 ) a XXXX credit card account from 2011 is being listed twice - one incorrectly with a 60 day late. Not only is this past the DOFD, but XXXX XXXX has acknowledged that they do not recognize that account. It has not been deleted. 

3 ) Transunion has locked me out of online disputes. They said to call them to reopen it. I called an agent at Transunion a few weeks ago who refused to unlock my account. They are trying to keep me from filing disputes for inaccurate information on my report!
Product: Mortgage

Between XX/XX/XXXX- XX/XX/XXXX, I submitted and modification packet on a second mortgage with all the requirements and whomever was working the case would repeatedly ask for documents already submitted. I was initially trusting the process until I had to renew/reestablish my online account to understand why I wasnt getting movement on the case the situation continued back and forth until XXXX when they finally claimed to not be able to grant a modification. 

Unfortunately, I experienced the worst of mortgage companies during the Great Recession. I believe in many ways we are back to that because properties in XXXX XXXX have sky rocketed. In XXXX, I was just starting to climb out out the after effects of the Great Recession, when between XX/XX/XXXX - XX/XX/XXXX, I had tenant turnover and had to address a lot of deferred maintenance of the previous decade. Then, when I was getting over that - the COVID-19 Pandemic hit. Ive barely been able to keep up with primary, in fact I am behind and currently screening applicants.
Product: Debt or credit management

On XX/XX/XXXX, I mailed a certified check for {$2000.00} to Bright Moneys payment address, as provided by their representative to : Bright Capital Inc XXXX XXXX XXXX Floor XXXX XXXX XXXX. Ca XXXX XXXX tracking confirms the check was delivered and received by Bright Money on XX/XX/XXXX, at XXXX AM. 

Despite repeated phone calls, emails, and chats with supervisors, the company did not apply the payment to my account. On XX/XX/XXXX, Bright Money finally acknowledged receipt of the check via email ( attached ) but falsely claimed it was received on XX/XX/XXXX rather than XX/XX/XXXX. 

Since then, Bright Money has : XXXX. Continued to make unauthorized withdrawals from my bank account, even after I requested they stop in XX/XX/XXXX. 

XXXX. Provided only automated responses or non-committal replies from customer service representatives, claiming the issue was being " escalated. '' XXXX. Refused to refund the overpayment or provide written confirmation that my account is paid off. 

On XX/XX/XXXX, after speaking with a bot, I was told my account was canceled, and my bank account would no longer be charged. However, I was informed I would be penalized with a late fee for not making payments on an account that was already overpaid. To date ( XX/XX/XXXX ), the payment has not been applied, and no resolution has been provided. 

In Spite of all my effort Bright Capital Inc continues to pad an account with interest that should have been PAID IN FULL PLUS and harass me about a DELIQUENT ACCOUNT and threats with credit reporting! I would also like to point out their very AGGRESSIVE and Harassing emails and texts from the XXXX of the prior month CONSISTENTLY until the ACTUAL DUE DATE of the XXXX!
Product: Payday loan, title loan, personal loan, or advance loan

I have been a customer with TD Bank for sometime and keep a relatively sizeable amount of money in my account. On XX/XX/24 I applied via the app for a personal loan and was immediately denied. The reason given was because they could not verify my identity. I called the customer service line and was told I needed to go into a branch and fill out a form and present my ID. I went into my local branch ( XXXX, NJ ) and the representative was unsure of the form and called the XXXX #. I was given the phone and spoke to a different rep who told me the issue was that personal information from XXXX report may not have been matching the info on my application and to call XXXX and go over my personal info. I did that, about a week later I went into a branch to proceed to fill out the same form I was told to fill out before. The rep there was again confused and needed to call the XXXX # to confirm what was needed. I completed the form, the rep document my identification, and told me to wait a few days and check to ensure the form was processed and I should be able to go back on the app and re-apply. I applied today and received the same denial and contacted the customer service line and received the same answer " something on my XXXX report is not matching '' I explained that I spoke with XXXX and cleared any discrepancies per TD 's suggestion and this result is still the same. The rep was pleasant but could not resolve my issue as I have now done EVERYTHING TD has requested. At this point I am getting a run around from an institution I hold several products with. Additionally I applied for this same loan in XXXX and was approved however the application was canceled as I did not upload my documents in time due to being hospitalized for an illness. Nothing from the XXXX report changed from XXXX to XXXX so how is it now that I went from being approved to not being able to verify my identity?
Product: Checking or savings account

Bank of America closed one of my checking accounts without notifying me. 
The account was closed XX/XX/2018 due to inactivity. I have had this account for years and always kept a XXXX balance or several dollars in this account and this account was never closed until now. They have refused to reopen it. I have had one person told me that it would be reopened and another person said it was in the process of being reopened. The last person that I spoke to said it could not be reopened.
Product: Vehicle loan or lease

I recently submitted a complaint to CFPB in regards to an amount Nissan is now saying I am to pay which is {$660.00} due to a partial payment being made in XX/XX/XXXX and {$92.00} is an amount left over to pay, making my payment increase to {$660.00} and that my contracted amount is still {$570.00}. I have been affected by Covid and I have requested extension for XXXX and XXXX there was no payment made making any balance owed of {$92.00} to be tacked on to contracted monthly payment making it {$660.00}. The last payment I was able to make was in XX/XX/XXXX and it was for the full contracted amount of {$570.00}. Before that also payments were made as agreed According to contracted amount before financial hardhship. Since XXXX of XXXX the history shows Nissan stating my monthly payment amount is {$660.00} and not XX/XX/XXXX. And the last time posted per statement of contracted amount was back in XX/XX/XXXX and by that appears Nissan changed my monthly payment amount wayyyy before this year came into play. Per-attached shows the changed payment amount to {$660.00} happening back in XX/XX/XXXX per Nissan Statements I recieve online per their portal.
Product: Checking or savings account

NBT Bank paid an ACH payment that came thru my account. I believe it was for a partial amt. At the time I was in the XXXX XXXX jail for a violation of my supervised release. The judge sent me back for 9 months. At which time I didn't realize I was over drafted. It wasn't until some time after I came home that I realized of the debt. I had contacted NBT Corporate because the branch was no longer open. I tried to make an offer to settle the bill, I didn't agree with why they charged me that amt. before closing my account. I had contacted the CFPB for guidance on the matter and asked what i could do I was told that I should offer a fair settlement and they don't except it then that's on them and it should be removed. So I offered the 50 % they didn't take it. I disputed it. The collection account was removed. After receiving the removal verification I still called NBT bank back to offer the 50 %. They refused. What I cant understand is why in a dispute it was removed. And it ended right back on my credit report. I would like to have the item removed please.
Product: Debt collection

I give authorization for the cfpb to move forward with this compaint as the following company have invaded my privacy and XXXX by obtaining my medical records. Please see the attached documents as it contains the full complaint and my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX   XXXX {$130.00}
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital one 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 XXXX XXXX XXXX. 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 to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX 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! XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with a company called XXXX. Payments were scheduled on autopay and no payments were ever late. Around XX/XX/XXXX, a company called XXXX XXXX XXXX acquired XXXX and took over all accounts including mine. Neither XXXX or XXXX notified me that this was happening, and XXXX additionally stopped my autopay without notice. I was completely unaware any of this had happened, and because the autopay was only a small amount per month I didn't notice that it had stopped drawing from my bank account. It wasn't until I reviewed my credit report that I discovered late payments to an unrecognized company ( XXXX ). I looked them up and they seemed like scammy company with a lot of complaints against them. I called them to understand the issue they explained the acquisition. The remaining balance they claimed I owed was significantly higher than it should have been. I asked them for proof of the original contract I had signed with BlissPay stating the terms and APR of the account, and they said they did not have this information and could not provide it. I also did not have access to the contract because the XXXX website was shut down so I could not log into my account. The initial person I talked to at XXXX ( I have his name ) also admitted that many customers were caught off guard just like me, many of the reported balances were inaccurate, and that some customers were even told they owed money even though they had already paid off their XXXX balances in full before the acquisition. I called multiple times asking to speak to a manager, and was given an excuse every time ( manager is at lunch, not in today, call back in an hour, etc. ). After weeks of severe stress, I couldn't take it any more and decided to just pay off the full balance to make the problem go away ( XX/XX/XXXX ). I asked XXXX, in exchange for me paying the balance in full ( including interest and late fees ) as my very first payment to them as the new owner of my account, to please remove the late payments reported on my credit report. They refused, and said I would first have to make the payment, and then file a dispute with the credit reporting agencies. I asked for a manager to call me back after making the payment so that I could talk to them further about the credit report and I was told they would. They never called. In XX/XX/XXXX, I filed disputes with Experian and XXXX. The Experian dispute completed today and the late payments were NOT removed from my credit history. The XXXX dispute is still in progress.
Product: Debt collection

Hospital never sent me a bill and exceeded their time limit on filing claim with insurance.
Product: Debt collection

XXXX Re : Dispute of Account Request for Validation, Cease and Desist Reporting, and Chain of Assignment Contract Account Information : Account Number : XXXX Creditor : LVNV Funding LLC Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX This letter serves as a formal dispute regarding the accuracy and validity of the information you are reporting about the above-referenced account on my credit report. This dispute is made pursuant to my rights under federal consumer protection laws, including but not limited to : 15 U.S.C. 1692g ( Debt Validation ) : Requires the furnishing party to provide validation of the alleged debt when requested.

15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) : Prohibits furnishing inaccurate or incomplete information to the credit reporting agencies.

15 U.S.C. 1681b ( Permissible Purposes ) : Restricts the access and use of my credit information unless a permissible purpose exists.

15 U.S.C. 1641 ( Assignment of Debt ) : Requires that any assignee of a debt must provide proof of the complete chain of assignment when requested by the consumer.

15 U.S.C. 1692e ( 2 ) ( A ) ( False Representation of Debt ) : Prohibits misrepresenting the legal status of a debt, including falsely reporting it as open when it should be closed.

15 U.S.C. 1692f ( Unfair Practices ) : Prohibits attempting to collect a debt through unfair means, including resetting the statute of limitations by altering the balance.

It has come to my attention that this collection account is being reported as OPEN, which is a misrepresentation of its true status. Additionally, the balance has been changed multiple times, which appears to be an intentional attempt to reset the statute of limitations on collecting this debt. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) and constitutes unfair and deceptive practices.

Demand for Immediate Deletion & Cease and Desist Order If you are unable to validate this account, provide the complete chain of assignment, or explain the discrepancies in the balance and reporting status, you are required by law to promptly delete this inaccurate or unverifiable information from my credit file under 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ). Additionally, I hereby demand the immediate deletion of this account from the following credit bureaus : XXXX XXXX XXXX Furthermore, I am issuing a Cease and Desist Order, demanding that you immediately stop reporting this account to any credit reporting agencies. 

Failure to comply with this request may result in legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory authorities. 

I expect a written response to this dispute, including any documentation you rely upon, within the 30-day period mandated by law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

To whom it may concern, Regarding : My mortgage payments for XXXX & XXXX have been sent & paid on time to both Servicers. Servicers have yet posted the amounts to my mortgage. 
I would like to file a complaint against the following servicers ; XXXX XXXX XXXX XXXX XXXX loan # XXXX and City National Bank. Please conduct full investigation. Servicers have not investigated or conducted a solution to my lost payments. They have yet resolved the issue or have contacted me to explain the next steps that they plan to take to locate the lost mortgage payments. I review each mortgage statement that they mailed and continue to see late fees added to my mortgage. There should be no late fees and my mortgage payments should be noted on my account as paid on time. 
I have mailed my mortgage payments on time. I have yet heard or seen any results regarding my lost payments. I have proof that both my mortgage payments been cashed and cleared by the servicers. 
Please see the attachments that I have provided for further review. 
If you have further questions or need additional documentation, I can be reached at XXXX. 
Sincerely, XXXX XXXX XXXX *Copies of all emails, phone call records, bank statements and loan statements relevant to the incident are attached.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ) that you, the CHEXSYSTEMS ( ChexSystems ) reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent account is associated with BANK XXXX XXXX as a charge off for the amount of {$320.00} account number XXXX reported on XXXX XXXX. I also notice the addresses and names on the account also invalid and not recognized. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my CHEXSYSTEMS ( ChexSystems ) consumer credit report. The aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.