23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE PROVIDED THE LEGAL DOCUMENTATION FOR FRAUDULENT INFORMATION TO BE REMOVED OFF OF MY CREDIT REPORT. SO FAR NOTHING HAS BEEN DONE FROM THE DATA FURNISHERS NOR HAS EXPERIAN OR XXXX COMPLIED WITH MY REQUEST. ACCORDING TO THE FCRA IF THE DOCUMENTATION HAS BEEN FOUND LEGIBLE AND I HAVE SUPPLIED THE CORRECT DOCUMENTS STATING I AM A VICTIM OF IDENTITY THEFT THE CREDIT BUREAUS ARE SUPPOSED TO REMOVE THIS FRAUDULENT INFORMATION WITHIN FOUR BUSINESS DAYS. 

EXPERIAN NOR XXXX HAVE RESPONDED OR REMOVED THIS INFORMATION MY FTC REPORT NUMBER IS # XXXX. ALSO DOWN BELOW I HAVE INCLUDED ALL OF MY INFORMATION THE FTC REPORT AND MY IDENTIFICATION AS WELL.
Product: Money transfer, virtual currency, or money service

In the past and before I become a permanent resident in US, I was told by PayPal to create a specific account dedicated to the US transactions, payments and credit cards. I therefore created this separated account as directed by the PayPal Support and while I was updating my mobile phone data, address, banking details etc. I received yesterday a messages saying " After a review, we decided to permanently limit your account as we found potential risk associated with it. '' There is neither an offered way to dispute the decision nor there is any transparent explanation justifying such decision. My account is new, there is no transaction and as such the criteria for such decision are only based on personal information and/or other data collected through credit card emitters and their XXXX. This very adverse decision represent an real unfair eviction, and privation of access to a mainstream payment facility as PayPal is widely used at many online vendors but also more and more physical point of sales. In addition, not disclosing the reason of such decision forbid resolving errors or data misinterpretations in systems leading to unfair treatment.
Product: Debt collection

In my ongoing efforts to resolve discrepancies within my financial records, I have recently encountered significant obstacles in obtaining crucial information from LVNV, a debt collection agency purportedly responsible for debts attributed to my name. Despite repeated requests for documentation to validate their claims and establish the legality of their debt collection activities in my state, LVNV has failed to provide the necessary evidence, raising serious concerns about their practices and the validity of their assertions. 

Central to my inquiries is the request for a signed contract between myself and LVNV, outlining the terms and conditions under which any alleged debt would have been incurred and subsequently transferred to their agency for collection. However, despite multiple attempts to obtain this essential document, LVNV has consistently failed to furnish any such agreement, leaving their assertions regarding the debt in question unsubstantiated and lacking in credibility.

Moreover, I have also sought proof of LVNV 's legal authority to collect debts within my state, as it is incumbent upon debt collection agencies to adhere to state-specific regulations and licensing requirements. To my dismay, LVNV has yet to provide any documentation demonstrating their compliance with the laws and regulations governing debt collection activities in my jurisdiction. This failure to validate their legal standing further undermines the legitimacy of their collection efforts and raises serious doubts about their adherence to regulatory standards. 

The inability of LVNV to provide the requested documentation not only impedes my ability to assess the validity of their claims but also calls into question the integrity of their debt collection practices. Without verifiable evidence to support their assertions and establish their legal authority, LVNV 's actions appear arbitrary and potentially in violation of consumer protection laws.

In light of these concerns, I am compelled to escalate this matter and seek redress through appropriate channels. I will continue to pursue the documentation necessary to validate LVNV 's claims and ensure compliance with relevant legal and regulatory requirements. Additionally, I will explore all available avenues to challenge the legitimacy of any debts attributed to me by LVNV until such time as they provide the requisite evidence to substantiate their claims. 

It is my sincere hope that LVNV will recognize the seriousness of these allegations and cooperate fully in providing the requested documentation. Transparency and accountability are paramount in matters of debt collection, and I am committed to upholding these principles in pursuit of a fair and equitable resolution to this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conns Account # XXXX XXXXCalled to pay full account balance of {$320.00}, was offered a settlement of {$250.00} ( which I paid ). 
XX/XX/20 Conns reports to all 3 credit bureaus that as of XX/XX/20 Im 30 days delinquent in the amount of {$64.00}. 
-I file a dispute with XXXX  the very same day stating information reported was incorrect. 
XXXX-I contact Conns about account. Customer service & collections depts. state account settled, and recommend to file a dispute with Conns credit bureau/recovery department XX/XX/20 letter received from Conns stating their investigation determined the reporting was valid & would provide a copy of the complete payment history to validate ( was not included in letter ) XX/XX/20 Conns reports to all 3 credit bureaus that as of XX/XX/20 my account is 60 days delinquent in the amount of {$65.00}. 
-I file a dispute with XXXX  stating reporting is incorrect. 
-I contact Conns Collections dept. states account is settled for an amount less than the full balance, states that is also what they are reporting to the credit bureaus and files another complaint with the Conns internal credit bureau/recovery dept. 
-I also speak with Conns customer service who stated the settlement was not reflective on their end & there was an amount of {$90.00} due or a payoff amount of {$86.00} ( {$65.00} balance {$25.00} late fee ( $ XXXX, XXXX, $ XXXX= {$25.00} ).  She stated she was not sure why the account was reflecting that way & recommended filing a complaint ( which I did )
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I trust this letter finds you well. I am writing to discuss important matters related to my rights and privacy under the Fair Credit Reporting Act, specifically 15 USC 1681.

Section 602 ( a ) of the Fair Credit Reporting Act emphasizes the need to ensure that consumer reporting agencies, such as XXXX, Equifax and XXXX, carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I wish to assert my rights as a consumer to safeguard my private information, as reinforced by 15 USC 6801.

Under 15 USC 6801, it is the policy of Congress that financial institutions, including furnishers of information to credit agencies, have an affirmative and continuous obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information.

However, I would like to draw attention to Section 604 ( a ) ( 2 ) of 15 USC 1681, which stipulates that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the respective consumer. I have not provided written consent for XXXX, Equifax or XXXX, or the furnisher of information to credit agencies, to share my information and I hereby revoke any previous consent, be it verbal, non-verbal, written, implied or otherwise.

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution must inform the consumer of their right to exercise nondisclosure options. I was never informed of this right by the furnisher of information to credit agencies.

Additionally, 15 USC 1681 ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account constitutes adverse information being reported without my permission, which is in violation of the law.

Furthermore, 15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ) states that information furnished to consumer reporting agencies must be accurate. I have reason to believe that the information being reported is inaccurate.

Lastly, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports for specific purposes. XXXX, Equifax and XXXX do not appear to be maintaining such reasonable procedures. 


Additionally, 12 CFR 1016.7 affirms that a consumer may exercise their right to opt out at any time. I am hereby exercising my right to opt out of your reporting services.

I kindly request that you address these concerns promptly and take the necessary actions to rectify the violations of my rights as outlined in the Fair Credit Reporting Act.
Product: Debt collection

XX/XX/XXXX - XXXX received debt collection letter from Illinois Collections Inc, despite the letter being dated XX/XX/XXXX, postmarked XX/XX/XXXX and post meter stamped XX/XX/XXXX XXXX XXXX XXXX XXXX. ( see attached letter and envelope ) XX/XX/XXXX - I called Illinois Collections Inc and talked to XXXX XXXX who demanded I provide my date of birth and last 4 digits of my social security number before she would talk to me despite me verifying my address, name and XXXX name she was collecting the debt for. I refused to confirm personal identifiable information as Illinois Collections Inc or their client would not have this information. She advised all correspondence needed to be in writing. 
XX/XX/XXXX - Illinois Collections Inc debt collection is reported to major credit bureaus XX/XX/XXXX - XXXX sent a certified letter to Illinois Collections Inc requesting debt verification ( see attached letter ). 
XX/XX/XXXX- The certified letter is received and signed by Illinois Collections Inc ( see attached receipt from XXXX ) XX/XX/XXXX - XXXX dispute the debt collections with the credit bureaus XX/XX/XXXX - XXXX report Illinois Collections Inc to the XXXX XXXX XXXX as per law, Illinois Collections Inc had to respond to our debt verification request within 30 days ( deadline date of XX/XX/XXXX ). To the present date, I have not received the requested debt verification information. 
XX/XX/XXXX - I submit complaint to Consumer Financial Protection Bureau
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XXXX 2019 to XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card or prepaid card

I contacted American Express as they keep denying me of a Bankruptcy that was discharged in XXXX, l called today XX/XX/XXXX to ask what is the waiting period for applying based on this denied application reason in the past spoke to a supervisor names XXXX, she told me they have no information on that and said lets try the application and if denied she would get me to an new account specialist, l was denied and give a reference number XXXX which l gave XXXX and she put me on hold then game back and said l am connecting you to a new account representative, they told me the reason was the Bankruptcy, l told them that it was discharged in XXXX, and other major banks have given me credit cards and l have a A Rating on payments and a score sitting close to 700 with my credit file. He told me that as long as it shows on your report you will be denied, so my complaint is why do the application taking representatives not have that same information as one to not waste the consumers time and two not have an impact on your credit score, this is unfair and unjust. I am filing this complaint for American Express to answer and address this unethical practice.
Product: Vehicle loan or lease

Leased a vehicle from Ally Financial. They are showing a balance of {$550.00} for excess wear on a wheel. This balance has been reported to the Credit Bureaus. Per the literature Ally sent to us regarding end of lease procedures/policies, excess wear constitutes broken, mismatched, bent or cracked wheel. 
Per the inspection report completed by Ally Financial, dated XX/XX/17, none of the above conditions are noted. We were an A paper loan for Ally and have excellent credit rating. During the course of our 4-year lease, there was never a late or missed payment. 
Again, based Ally Financials literature, the damage does not warrant a charge. Furthermore, this wheel can be purchased new for {$200.00}, not {$500.00} plus.
Product: Money transfer, virtual currency, or money service

Money was sent from my account on Zelle that I did not send and it was not refunded to me
Product: Credit card or prepaid card

There are several reported fraud instances on Chase Freedom card dating at least from several years ago. None of these instances have been resolved. Some charges may not have been correctly documented by Chase. I have contacted Chase fraud MANY times over and have spoken to someone in the executive office and still no resolution. Please resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the following creditors : XXXX First ProgressXXXX XXXX XXXX XXXX XXXX  XXXX XXXX And the all three credit bureaus : XXXX   XXXX  XXXX, To remove all late payments as I agreed to pay-to-delete and goodwill deletions with all creditors however I did not get it in writing and they are refusing to delete rom my credit. Please kindly advise.
Product: Credit reporting or other personal consumer reports

I have been trying to make a payment on my motorcycle for a year and eveytime i try to call XXXX  the always hang up and say i can not make this call. XXXX XXXX  in the XXXX and the representative of XXXX XXXX  said i need to wait til i come back to the XXXX so i can pay the bill.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Mortgage

Had another XXXX XXXX and had to have a procedure for {$5000.00} was released from the hospital late on the XX/XX/2018 came home tried to make a payment over the internet and it did not allow me to do so. Tried to call the same evening and it would not allow me to make the payment over the phone either. I called on XX/XX/XXXX and was told that my house had gone into foreclosure today, and was told that if I had made 1 payment last night that I would have been fine. I stated that neither system would allow me to make the payment last night that is why it was not made yesterday. I have had ongoing health issues and they are aware of this. This is a scam to get more money from me or take my home away from me. I spoke with someone named XXXX today and he was just not helpful. He told me that I would have to call back on XX/XX/XXXX for the reinstatement amount. I want their records researched to prove that I tried to make this payment yesterday and XXXX XXXX tells me that he has no idea as to why it would not let me make the payment yesterday. Please see attached screen that I got on XX/XX/2018 when loan was still active.
Product: Mortgage

My loan from boa was sold to pennymac c around  XXXX  of  XXXX .  Yesterday   XXXX   XXXX   XXXX  I asked for a copy of payments for life of the loan. Pennymac said they would have to ask boa for the records when they owned loan. I thought all records are to forwarded to new loan owner when they acquire ownership? I was in foreclosure with boa but it got paid. Now I see pennymac has all the fees and costs on my account with pennymac.  XXXX  took me to court notpennymac
Product: Credit card or prepaid card

The issue started last year with the start of the covid outbreak and shut down. I was put on furlough at work, my child was out of school. I got behind in the payments of the credit card, JCPENNEY. I made a call, they stated they could help, and put me on an extensive payment plan, due to the financial burden I was going through with the Covid. I had spoken to an agent, it was all set up for {$26.00} a month and was set up to come directly from an account. The first payment was successful no issues. Months went by and the calls continued. Each week I called back, stating this matter had been all fixed and I was set up for auto monthly payments. I get yes, I see that, I am not sure what happened. I was assured it would be taken care of. This conversation went on for months, and nothing was ever fixed. Now a year later, only one payment done, and multiple calls made by, myself, every time I am told the same thing. We will fix it, I see that it was already addressed and set up. To this day, nothing has been fixed, I get multiple daily calls, emails and text messages. I get nothing by mail. I had been ignoring the calls, emails and texts, cause I am tired of the same conversation, explaining myself each time with the same out come. At this point, it is not my fault they can not get this fixed. I want it off my credit, for the sheer frustration, stress and pain in the XXXX they have been and caused me. As well as the multiple hours spent on the phone with reps, management etc.
Product: Credit card or prepaid card

Dear Sir, My name is XXXX XXXX. 

I have a Wells Fargo XXXX XXXX XXXX XXXX that I use daily when needed. 

In XXXX I made my payment of {$100.00} to Well Fargo, my payment was due the same day I paid my credit card. I was having some hardship due to COVID. 

In the XXXX statement, Well Fargo charged me a late fee of {$29.00}. I called Wells Fargo and explained that I was having some hardship due to COVID and that is why I paid my bill the day it was due. Wells Fargo refused to waive and forgive the late fee.

I am writing to you to ask for your help in this matter.

I always pay my bill on time and I always pay way more than what is due. I believe Wells Fargo should be able to forgive the late fee, Most of the American people are having hardship due to COVID, and credit cards company should not charge us late fees because we paid our bill one day late.
I need your help in getting Wells Fargo to waive or forgive the late fee of {$29.00}.

I am not asking to suspend any payment, just waive the late fee.

Thank you.
Product: Student loan

Upon graduating in late XX/XX/XXXX, I entered the workforce working for XXXX in XX/XX/XXXX, right before the market and our economy hit rock bottom. On top of trying to start my career in finance during the worst financial crisis, I was having difficulty making my exorbitant payments with XXXX ( now Navient ). For 2 years, the only option they gave me was to go into forbearance and they continued to roll me into a new forbearance plan every few months ; never giving me an option to lower my payment based on my income. After reading the full complaint and learning of the rules on income based repayment plans that were rolled out in XXXX, I believe I was given bad guidance and now face excessive interest that accrued during the forbearance periods. With this new lawsuit against Navient, I realized I am one of the very people this lawsuit is looking to protect. Please help me understand my rights against this abuse and advise me on the next best steps to take against Navient. After paying my loan timely for years, my original repayment balance of ~ {$60000.00} is still greater than {$76000.00} ; 20 % greater 8 years after graduating. Thank you for your help in advance!
Product: Debt collection

Dear sirs, My wife and I are being constantly harassed by this collection agency named First National Collection Bureau , Inc., located in XXXX, Nevada. The collection is for old credit cards which was discharged in bankruptcy some 20 years ago. And in which the statue of limitations has also run out. We have continuously sent them letters telling them to Cease and Desist all collection activities from us. And they just continue to do so. So I 'm contacting you to see if you can resolve this very annoying matter for us.They have been doing this to us for the last three years now. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been going on for at least XXXX months. I just found our about your XXXX. PNC Bank sent us a credit report which showed information other than what was actually on the reports at the XXXX credit reporting services. I have contacted PNC XXXX times, twice in person at the bank and twice on the phone. The only response I get from them is to contact the reporting services. No matter how many times I tell them the reporting services have the correct information, and PNC has downloaded the wrong reports, they don't understand. But of the XXXX reports, only XXXX shows one missed payment in XXXX PNC has downloaded information from the wrong XXXX XXXX or the wrong ss #. 
I haven't been able to download the info so I have to type it : XXXX -- Number of accounts with delinquency XXXX -- Lack of recent installment loan information XXXX -- Ratio of Balance to Limit on Bank Revolving or other revolving accounts too high XXXX -- Too few accounts currently paid as agreed XXXX -- # of inquiries had a minor adverse affect on the score SS # XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Prepaid card

I am a XXXX vet I have my XXXX check every month put in to the card.com bank witch is a XXXX XXXX company my last two transactions where in XXXX Massachusetts went to make another purchase an my card was declined so I went on the app an see that my card was overdrawn by XXXX so I looked at the transactions an seen I did not make 32 of the transactions that appeared on my card so I call the card company but there closed on weekends so on Monday morning XXXX XXXX I called to put dispute in was told I was getting a form to fill out by email witch I got was also told to right down all transactions I am disputing an send to them so I did the same day was told a couple days later I was getting a provisional credit on or before the XXXX of XXXX so I waited the XXXX I waited till XXXX my time an called them back before they closed no credit yet an I was told the my dispute was closed an I was responsible For all the transactions an I was not getting any of the XXXX Dollars back an I was also informed that when my next deposit is made I will loss another XXXX for the over draw account