23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery associates called and wrote me by mail in the year 2020 telling me that they were collecting a debt owed by a credit card company ( XXXX XXXX ) that was charged off and sold. They reported me to credit agencies and told me unless I paid it off {$360.00}, it would stay there indefinitely, so I paid it in installments and now they sent me a letter stating that I still owe them. This derogatory debt that I paid off is still on my credit and it looks like I still owe them money.I feel like they cheated me out of money. They want more money from me and I am not paying another dime. In fact, I want my money back.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account ( XXXX ) : ( Account Number XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Vehicle loan or lease

XXXX XXXX employee, XXXX, calls me repeatedly. I paid my XXXX payment but they will not put it towards my car because I did not have insurance at the time. I sent my new insurance to the company and they deny to have ever gotten it. Ive talked to XXXX several times and she just laughs at me and continuously yells over the phone that its my problem and I need to fix it. After wanting my current insurance, they started to ask for months prior ( XXXX ) when they should have it because I turned in the insurance documents to the XXXX and they sent the documents to XXXX XXXX. They want to charge me XXXX again, because the money I paid towards my car payment now went to them as insurance fees. They continuously send me letters saying I am in collections now. They sent someone to my house to take my car or threaten to take it because it was 10 days late after taking my money for insurance fees. 
The photos provide the letters sent to my house about collections, my old insurance, my new insurance company and a bank statement as to when I paid my car in XXXX.
Product: Checking or savings account

I try to open account with bank they told me someone opened account in my name and I couldnt open account and I never banked with company
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Complaint Against Cavalry Portfolio Services for Unlawful Debt Collection Practices Dear Sir/Madam, I am writing to file a formal complaint against Cavalry Portfolio Services , located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, regarding their management and reporting of an alleged debt originally credited by Citibank. I believe their practices have violated multiple federal consumer protection laws, negatively impacting my credit and personal well-being. 

Violations Committed by Cavalry Portfolio Services : Failure to Provide Debt Validation : In direct violation of 12 CFR 1006.34 ( b ) ( 5 ), Cavalry Portfolio Services has reported a debt on my consumer credit report without providing adequate validation. Despite my requests, they have failed to provide necessary documentation substantiating the debt they claim I owe. 
Inadequate Opportunity to Dispute : Contrary to the requirements of 12 CFR 1006.34 ( c ) ( 4 ), I was not provided with a proper opportunity to dispute the accuracy of the debt information before it was reported to credit reporting agencies.

Deceptive Collection Practices : Cavalry Portfolio Services has engaged in misleading, deceptive, and misrepresentative collection practices, clearly infringing upon my consumer rights. 
Unauthorized Reporting : This agency has reported the debt to consumer reporting agencies without all required disclosures, thereby breaching 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 
Requested Remedial Actions : Immediate Debt Validation : I request a complete validation of the debt, including the original creditors details ( Citibank ), the original amount of the debt, a breakdown of all fees or charges added, and any pertinent documentation. 
Purchase Agreement : I request a copy of the agreement between Cavalry Portfolio Services and Citibank that authorizes them to collect on this alleged debt. 
Licensing and Bonding Evidence : Please provide evidence that Cavalry Portfolio Services is licensed and bonded to collect debts in my state.

Cease of Communication : I revoke any prior consent for Cavalry Portfolio Services to contact me via phone, email, or text messages. Future communications should be conducted through written correspondence and sent to the address noted above. 
Attached are copies of all relevant documents and previous correspondences related to this matter for your review. I urge a thorough investigation into these claims and anticipate a detailed response addressing each point of contention raised in this letter. 

Thank you for your attention to this pressing issue. I look forward to your prompt and effective action to resolve these violations and enforce compliance with consumer protection laws. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax at least three time to let Equifax remove an unknown address starting at XXXX from my credit report. Each time the dispute status shows success, but I am still having the unknown address appeared in the latest credit report.
Product: Vehicle loan or lease

XXXX XXXX Withdrawal ASSOCIATED BANK XXXX XXXX XXXX XXXXXXXX - {$340.00} XX/XX/2023 XXXX Withdrawal ASSOCIATED BANK XXXX XXXX XXXXXXXX XXXX - {$340.00} Only showing 1 payment posted, told me the other one was reversed or their system cant process 2 payments. XXXX stating they sent both payments.
Product: Credit card or prepaid card

I received a XXXX prepaid card from XXXX XXXX for overcharges on my account when I closed out the account in XXXX. The XXXX card is issued by Citibank , N.A . pursuant to a license from XXXX XXXX XXXX. The amount of the card balance was around $ XXXX {$16.00}. The card number is XXXX, security code XXXX, with an " good thru '' date of XXXX ( XXXX XXXX ). 

On attempting to use the card in XXXX XXXX and XXXX XXXX, it was rejected at purchase site ( s ). I called the toll-free number for customer service on the back of the card, XXXX. The Citibank customer service agent told me that the card had a {$0.00} balance because after 3 months the bank starts automatically deducting {$5.00} on the first of every month from the card balance for maintenance fees. Therefore, the entire balance was eliminated in maintenance fees. I explained that no where on the card did it explain this feature of the card and any card-holder would be unaware. Nice way to make generous profits for Citibank. The agent explained there was nothing that could be done except discard the card as it was no good any longer. So I lost the entire amount of the card due to Citibank not explaining to the cardholder the maintenance fee associated every month. Gift cards should not have maintenance fees or " GOOD THRU '' dates if that is the policy to erode the card balances with fees. It is really not GOOD THRU any predetermined date. 

I believe this is a very, very unethical practice and should be stopped or make Citibank pay a substantial fine for unethical behavior to consumers. It is really theft by deception!
Product: Credit card

The card shows available credit. Shows when payment was made. Show next payment due date in XX/XX/. But every time I go to use card it's declined. If card can't be used I should get credit of XXXX balance and close account. I reported a XXXX charge on card from XXXX XXXX and comenity did nothing for me. Of the XXXX in charged I believe I'm not responsible for all of it and comenity isn't fair with me.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, Equifax, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? Equifax removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and XXXX and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 


Equifax XXXX XXXX  Date Opened XXXX Balance XXXX Acct Number XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$470.00} Inquiries 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
Product: Debt collection

In 2016 a person unknown to me and without my authorization, opened 2 bank accounts with my personal information in California, I was affected since the creditors do not want to help me get out of this scam of which I was a victim and as a result, now I have debts. 
In XX/XX/2016, he opened an account for a credit card with Discover Bank and left me with a debt of {$6100.00}, I have tried on multiple occasions to fix this problem directly with the bank without obtaining results. 

The person who used my name and social security without my authorization used this address to open the account : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
Product: Debt collection

The date I received this letter was XX/XX/2019 Account File Number : XXXX The lawyers from Hayt, Hayt, Landau P.L. address : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, Florida XXXX Telephone ( XXXX ) XXXX They stated a creditor : XXXX XXXX XXXX, XXXX. wants me to pay {$1600.00} to them. 

I was a victim of identity debt and notified this company of such matter. I never borrowed from XXXX XXXX XXXX because I have no credit.
Product: Credit card or prepaid card

On XX/XX/19, purchased a dining room table in the amount of {$1100.00} from XXXX XXXX ( XXXX, FL location ) using my Citicard. Company delivered furniture on XX/XX/19 in damaged condition. Per company 's policy, I immediately took pictures of damage and filed a claim online ( claim # XXXX ). Over the next two months, the company made 3 separate appointments to repair table ; only to not show up ( or even call to cancel appointment on two occasions ). Simultaneous with complaint, I notified Citicard that the charge of {$1100.00} is being disputed until the table has been repaired. Citicard issued temporary credit. When XXXX XXXX was unable to repair table ( or even show up to do so ), they appeared at my house without notice on XX/XX/19 to pick up the table. I then received a copy of a memo from XXXX XXXX ( ref XXXX ) advising " credit memo to pick table up. '' However, apparently XXXX XXXX never coordinated that credit memo with Citicard. 
Citicard issued a memo on XX/XX/19 advising " regrettably, we are unable to assist you with this dispute. '' I sent a detailed letter to Citicard at their XXXX XXXX, SD address ( only address supplied by them ) detailing the nature of my complaint and again requesting their assistance since they reversed the credit to my account. Never received a response to this memo or my other written communications to them. Citicard is now showing me in arrears for the {$1100.00} charge plus accumulated interest. Note that I always pay my credit card balances in full each month and have an excellent XXXX credit score. 
I subsequently cancelled my long-held Citicard ; yet, they still are showing me with an outstanding balance. Sincethe table was picked up by the vendor, a credit memo issued but not acted upon, why are they not crediting my account in full? It is impossible to receive an answer from Citicard other than " you have to deal with the vendor directly. '' Needless to say, the vendor -- XXXX XXXX -- does not respond either. 
If you want copies of the multiple letters and memos, I can furnish them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency information unlawfully ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Mortgage

Roundpoint Mortgage Servicing Corporation services my home mortgage. When their client purchased my Mortgage, they did so without the obligation to pay the property taxes. I am responsible for property taxes. I paid the property taxes as per my duty in 2016. I then began to receive notices that they wanted to me additionally pay into escrow with them. When I inquired about this, they stated that they had also paid the property taxes on my behalf. I asked them to correct this issue and not to bill me for unpaid escrow money. They stated that they could not correct the bill until they had received the overpaid taxes from the municipality. Given that the error was administrative on their part, I asked them again not bill this directly to me. They claimed that they would work this out on their end. Despite several conversations with customer service I have received bills including late fees and collections notices which I feel are harassment, given that the original issue was an administrative error on their part. I continue to receive these notices and would like them to correct the error.
Product: Credit card or prepaid card

On XX/XX/2017, I used my Chase XXXX credit card to purchase some interstate moving services from XXXX XXXX XXXX XXXX. I made a payment to XXXX XXXX XXXX XXXX with my XXXX card of {$810.00}. However, the moving company did not deliver many of the goods that I contracted them to pack, move, and unpack. I spent several months trying to resolve the issue with the moving company. But the the moving company was unresponsive. Therefore, I disputed the charge with Chase. My dispute and appeals to Chase did not result in a single attempt from Chase to reach out to me for further information. In fact, Chase sided with the merchant each through the dispute and the appeals and was unable or unwilling to help resolve the dispute.
Product: Checking or savings account

On XX/XX/XXXX I opened an account online with Fifth Third bank with an offer code for a bonus of {$250.00} for maintaining a checking account with a minimum of {$250.00} for 60 days. 
On XX/XX/XXXX after confirming on phone that my promotion was valid ( it did not show up listed on my account at the time ) I made a transfer of {$250.00} into my Fifth Third Bank ( no fees were accured for making that online transfer ) On XX/XX/XXXX they credited me my {$250.00} minus {$60.00} for tax withheld. 
There is where the nightmare started, as for the next months I was told various reasons why until contacting XXXX XXXX. I was finally told it was because I hadn't sent in a tax paper. They had ALL information, address, social security number etc.prior to this date. 
I was then told just send it in and they can give me my {$60.00} even though I was never contacted that they were missing anything for the 3 months I had the account. Plus I had called to make sure everything was signed correctly on XX/XX/XXXX at XXXX XXXX and was told it was. 
It is now XX/XX/XXXX and after sending on the paper I have still not received my {$60.00}. 
I then had enough and went to close my account, I wrote online and called to find out what I needed to do. I was told to have a {$0.00} balance and to wait until it had cleared. On XX/XX/XXXX I put in a transfer of my balance ( {$440.00} ) to XXXX. XXXX. There was NO mention of a {$3.00} fee online and I will enclose a picture of my transfer details sent to my email. 
On XX/XX/XXXX I see my - {$3.00} for my balance! I call the XXXX number and speak to a rep. who says she is sorry i was mischarged and she is putting a reversal charge of {$3.00}. She tells me to wait 2 to 3 business days and then I will have a {$0.00} balance snd can close my account. 
On XX/XX/XXXX nothing had changed in my account. I call the same number and they tell me they have NO exchange of the telephone call on the XXXX and even if I had called that person lied and they cant reverse the fee! I then decide to write in what had happened. I also called XXXX XXXX. I got no response from her so I am writing in. 
I would also like to add that there is missing account info as my orginal payment and opening of account as I will send in those pics too.
Product: Debt collection

I HAVE NO ACCOUNT WITH LVNV FUNDING LLC. I HAVE NEVER SIGNED ANY AGREEMENT WITH XXXX XXXX XXXX OR LVNV FUNDING LLC FOR ANY CREDIT ACCOUNTS. I HAVE NEVER SIGNED OR AGREED TO ANY STIPULATION FROM EITHER COMPANY TO IMPLIES I OWE EITHER COMPANY MONEY. 
THIS DEBT WAS DISPUTED WITH ALL THREE CREDIT BUREAUS. XXXX AND XXXX HAS REMOVED THIS DEBT. XXXX REFUSES XXXX REMOVE DEBT AND REPORTED RECEIVING PROOF DEBT IS LEGITIMATE. THIS WRITER REQUESTED COPIES DOCUMENTS PROVIDED TO XXXX FROM LVNV FUNDING LLC THAT PROVES DEBT IS LEGITIMATE, TO DATE XXXX HAS NEVER PROVIDED THIS WRITER WITH ANY INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/20 I sent Equifax a 609 letter to verify some accounts and hard inquiries on my credit report. After 30 days and no reply I sent a demand or comply letter to remove the items on XXXX/XXXX/20. Equifax is still reporting these accounts on my credit report. even after 30 days and no verification or reply.
Product: Credit card or prepaid card

The problem withdrawing money from an ATM is that I didnt perform the transactions! My PNC Smart Access debit card was stolen and fraudulently used to withdraw funds. I lost over $ 2k. I filed a fraud form with PNC a few weeks ago and I havent heard back from them. Im still waiting for my funds to be refunded. Im attaching the fraud form I sent PNC. The fraudulent transactions can be found on the form.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : On a recent review of my credit report I discovered your company issued late payments on my credit report for XX/XX/XXXX. 

At the time I was living at : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX and the State of California issued mandatory stay at home orders starting XX/XX/XXXX. These mandatory stay at home orders were in effect until XX/XX/XXXX. 

I am seeking to have these late payments completely removed from my credit profile due to government mandated lockdowns and it affecting my income as a result. 

You will notice I still have this car loan, have made all payments on time before and after, and will continue to do so. 

I can be reached at the mailing address on this letter and please have this resolved within 30 days of receipt. 

Thank you for your attention to this matter.
Product: Debt collection

Debt collector is attempting to collect a debt that does not belong to me and is fraudulent. Requested specific documents since car is listed as charge off never received those documents! never received the original contract with my signature on it! asked them to delete this immediately and its still on my credit report as a charge off I do not owe this collection agency and would like this deleted off my credit report immediately. 15 usc 1681 section 3 under exclusions this is illegal I never authorized any of this. Please get them to delete as I reported them to the bbb as well
Product: Mortgage

On XX/XX/2022, Nattionstar Mortgage dba RightPathe aka Mr. Cooper purchased the mortgage from XXXX XXXX XXXX XXXX, XXXX. aka XXXX XXXX XXXX, XXXX They confused me with all the names. When I would call customer service, they would ask me if I spoke with Mr. Cooper I did not know who Mr. Cooper was. Afterwards, they refused to speak with me and would tell me they would only speak with an attorney. I had no attorney. I can not afford an attorney. On XX/XX/2022, they sold the mortgage to XXXX XXXX XXXX XXXX XXXX XXXX without validating the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2019, I contacted Experian credit agency as well as XXXX  to remove the old accounts that XXXX XXXX, XXXX, and XXXX XXXX XXXX is claiming that my info is still valid. All these accounts were opened more than 7-10 years ago and they should have been removed from the time they were first opened. Experian, XXXX, and XXXX  must remove old accounts that have run their legal statute of limitations and they can not keep this derogatory information on my credit report forever and damage my credit score! I can not move forward with my life and get new credit because of their false and detrimental reporting. Please help me in removing these old accounts, please.