23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that there is identity theft because my credit report shows two closed off accounts that are not mine and I do not recognize them. The first account is from TD bank and there is a written off charge, past due balance of {$23000.00}. The account was opened in XX/XX/XXXX. " The credit line was suspended XX/XX/XXXX- XX/XX/XXXX ''. I have never opened an account with TD bank. The next unknown account is with XXXX XXXX XXXX. The written off charge is {$8200.00}. On XX/XX/XXXX, I called XXXX, filed a dispute, and placed a fraud alert on my account. On XX/XX/XXXX, I called XXXX XXXX XXXX and filed for identity theft and fraud alert. I also called XXXX, again, because the dispute results claimed that both of the unknown accounts were mine. However, they are not. So I filed a dispute again for fraud alert and identify theft. They said that I will receive the results in 30 days or less.
Product: Checking or savings account

On XXXX, I finalized my mortgage with Bank of America and upon making my first payment, they required a BofA checking account to make payments. I used the account only for payments to my mortgage account throughout the life of the mortgage. On XXXX I refinanced my mortgage with another bank. BofA closed my mortgage account as expected. I received no notices in my mail or email regarding the checking account ( that I believed to be closed. ) On XXXX I was charged a {$25.00} dollar " Advantage Monthly Maintenance Fee ''. True to the charge description, I felt taken advantage of. I called in on XXXX and spent 36 minutes on hold before the call dropped ( from a landline so it was an issue on BofA 's side ). Life got the best of me and this issue dropped off my radar. On XXXX I was once again charged another {$25.00} " Advantage Monthly Maintenance Fee ''. I called in again on XXXX and spent another 38 minutes on hold before I had to leave to pick my son up from school. Finally on XXXX after spending another 22 minutes on hold, I was able to speak with a representative that refused to reverse the fees and explained that there was no way for them to be removed from the account. They also said they could not close the account until the balance was paid. I repeatedly requested the account to be closed and they finally relented and did so. But I fear they may be sending me to collections over these absolutely ridiculous charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ) along with the Police Report I have filed on my local Police Department. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

All the XXXX items have been removed by XXXX law. These accounts are from hospital in 2017. They have been sold multiple multiple times. I would like them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX22 XXXX, XXXX, equifax refuses to provide XXXX with a copy of his XXXX credit reports and refuses to provide XXXX XXXX with a copy of his credit reports, they also refused to correct the information on his credit reports causing credit fraud on XXXX credit files, they falsely accused XXXX of impersation and refused to temporay lift and remove the credit freezes on all XXXX credit reports so t.moblie could do a credit check for XXXX to obtain t.moblie services and a phone, instead credit, loans etc given to hackers instead, furthermore all XXXX emails, phones, numbers hacked and spoofed
Product: Mortgage

I received XXXX calls at work on XXXX/XXXX/16 with messages left on my voicemail from a man with an accent saying his name was XXXX XXXX with Ocwen Loan Servicing. The caller ID showed up as Ocwen 's phone number XXXX, but his call back number given he said was XXXX which has a fast busy signal when I tried to call it back. He threatened that Ocwen would be placing legal action on me resulting in me losing my home. He gave my full name and my property address.
Product: Credit reporting or other personal consumer reports

My account with the following companies were never late! I have had exceptional payment history witH XXXX  XXXX 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 USC Code 1681eb. 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.

They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

The following companies never sent the periodic statement along with the disclosures from section 1637 ( b ).

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 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

My last XXXX statements show increasing past due amounts ( {$830.00} in XXXX and {$1500.00} in XXXX ) despite my account being current. This has tripled my monthly payment ( {$830.00} in XXXX, {$1600.00} in XXXX, and {$2300.00} in XXXX ). I called today ( XX/XX/year> ) and the company said that there was no past due amount in the payment processed yesterday ( XX/XX/year> ) despite my statements saying otherwise. I pointed this out to the agent, who persisted in denying that any past due amount was in the payment due. Therefore, then call ended with no resolution.
Product: Mortgage

When I bought my home in XXXX, I obtained a 2nd mortgage on the home with XXXX XXXX XXXX. It was at the time of predatory loan practices that later resulted in a country-wide recession. XXXX XXXX XXXX later dissolved as a result. Over 10 years later, the debt resurfaced and threatened me with foreclosure, with a company called Real Time Resolutions. At the time, there was no assistance or advocacy for consumers like me. I did not want to lose my home. I struggled to pay this additional debt, which caused me to fall behind only further with my primary mortgage. I did pay it for some time until the pandemic hit in which I was unable to pay. They offered me a forebearance and I made payment arrangements. I tried to pay again, but again struggled to pay. I decided to pay instead my primary mortgage. I have stopped paying since XXXX and now they are threatening me with foreclosure, and XXXX XXXX XXXX has sent me a letter which I'v attached. It appears they have no legal right to threaten me with foreclosure.
Product: Prepaid card

On XX/XX/XXXX I received a VANILLA visa gift card from an old co worker for an amount of {$150.00}. I received the gift card and a majority of the card number was scratched off on the front. In addition, the 3 numbers for the security code were also scratched off. I tried calling vanilla customer service and there was no option to speak to a representative. The only options they gave were to activate the card or check the balance which I couldnt do because the numbers could not be read.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/2024 SOUTHWEST CREDIT SYS XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws.

Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations.

Furthermore, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations.

Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system.

Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above.

In accordance with my rights under the law, I demand that your agency provide validation of the debt, including the purchase agreement between your agency and the original creditor. Furthermore, I request proof of your agency 's licensing and bonding, as required by law.

Failure to comply with these requests within the legally mandated timeframes will result in further action to protect my rights as a consumer. I expect a prompt and thorough response to this dispute letter. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I got scammed by someone on XXXX about property rent which is not his property. So, I send him money over to Zelle and XXXX around XX/XX/XXXX and XXXX XXXX. After knew I got scammed that property belong to someone else. I did call my bank to stop payment on Zelle and also file a claim with XXXX and report to local police. I did give them the police report number but they won't send the back money to me.
Product: Debt collection

Repeated phone calls regarding my mother 's debt. Today, XX/XX/XXXX, at approximately XXXX MST, an unauthorized charge of {$590.00} was issued to my account to cover part of her debt. When called a reversal was refused.
Product: Debt collection

In regards to account number ******* with Texas XXXX XXXX XXXX : Payment to Texas XXXX was paid and accepted in full from XXXX XXXX XXXX. After speaking with several representatives, I have been getting nothing short of the " run around ''. In my most recent call, I was told to contact the insurance company directly to verify the payment was made. I informed the representative that this had already been done, the check was sent to Texas XXXX, and is showing as cashed. On XXXX XXXX, XXXX, my account was placed in collections with CMRE Financial Services. They are now attempting to collect a debt that does not exist. Neither company will directly contact each other to resolve this in a timely manner. As of now, I have been assured by Texas XXXX that they would take me out of collections effective XXXX XXXX XXXX, but this withdrawal from collections is temporary until this issue is completely resolved. I have had multiple conversations with Texas XXXX where they have promised to take care of this situation, but so far have failed to do so.
Product: Mortgage

We had a first mortgage, second mortgage ( home equity loan ), and third mortgage ( home equity line of credit, {$10000.00} ) all with Bank of America on our home in XX/XX/XXXX. The bank foreclosed on the property in XX/XX/XXXX. As a result, the first and second mortgages were canceled. The second mortgage was completely forgiven in XX/XX/XXXX as part of the bank 's settlement with the Department of Justice. But the bank did n't do anything about the third mortgage. 

During the foreclosure process, the bank told us to keep paying the third mortgage until the process is completed. We have been making the monthly payments on-time every month in spite of the fact that the property has been foreclosed and subsequently sold by the bank. 

Now the bank tells us that our monthly payment amount will triple. We have tried to call the bank and show them that this loan was supposed to be included in the original foreclosure. They now tell us that the home equity loan department and mortgage department do n't use the same system, therefore the information about the foreclosure was n't shared between them at the appropriate time. 

We want this home equity line of credit to be included in the original foreclosure and to stop being charged.
Product: Credit card

I found your company information while researching who to complain to regarding citi bank. I have had this card for a few years now and I have paid it off a couple of times and kept if for emergencies. I have had struggles at times like anyone else now a days and I have called into Citi bank each time to work out a payment plan in order to get my credit in good standing. Long story short I have not received child support countless times which cuts into my monthly income, my children have medical bills that need to be paid before they can be seen for a doctor visit, emergencies on my home that need repaired. I can hardly ever get ahold of an actual person and once I do I am switched around countless times from department to department trying to set up a payment or schedule a payment or if I need to, make a payment arrangement for my account. Once I do talk to someone it is never a supervisor like I ask for, instead it is someone who says they are going to note my account, set up a payment plan, waive a late fee and it is never done. Each time I have called Citi bank and they have sent me countless emails stating " they know times can be tough, and they are here to help '' offering me payment arrangements and reduction of my monthly payment, etc. However, none of these " offerings '' ever get put into place. My account is always charged late fees even when they say that they will be waived so that I can catch my account up. My monthly payments were never lowed but raised. My account has been under my credit limit and paid up to XXXX currently and they just took it upon themselves to close my account. This was done without any warning or anything and also done while my account was current. This will affect my credit and I would like to get this resolved and my credit not affected for their horrible customer service or lack thereof. I would really appreciate any help that you can give. I work full time and I am a single mother of XXXX children so yes, my priorities are n't always my citi card, however, I always chat or call them to alert them to my situation and try to work out a solution to where I can get my account current and it not affect my credit score.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent account XXXX XXXX XXXX XXXXXXXX, account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Credit Reporting Errors & FCRA Violations by XXXX, XXXX, and LVNV Funding Complaint Details : I am filing this complaint against XXXX, XXXX, and LVNV Funding for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards regarding an account that is being reported inaccurately on my credit report. 

Account Information : Creditor : LVNV Funding ( Original Creditor : XXXX XXXX XXXX Account Balance : {$1000.00} Account Status : Listed as " Open '' and " Collection/Charge-Off '' simultaneously Date of Last Activity : Incorrectly reported as XX/XX/2024 Bureaus Reporting : XXXXXXXX XXXX XXXXXXXX Violations Identified : Re-aging of Debt ( FCRA 605 ( c ) ) The accounts last activity date is incorrect, making it appear newer than it actually is. 
This is a clear case of re-aging, which is illegal because it extends the time negative information remains on my credit report. 
Duplicate/Incorrect Reporting ( Metro 2 Violation ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX the original creditor, but LVNV Funding now owns the debt. 
XXXX XXXX requires that only the current owner report the debt. XXXX XXXX  should have marked this account as " Transferred/Sold, '' but that has not been done. 
Incorrect Account Status ( XXXX XXXX & FCRA Violation ) The account is marked as " Open '' and " Collection/Charge-Off '' at the same time, which is conflicting information. 
A charged-off account should not be reported as open.

False Monthly Payment Information The account lists a {$1000.00} " monthly payment, '' which is misleading because collection accounts do not have monthly payments.

This falsely increases my debt-to-income ratio, which can harm my creditworthiness.

Dispute Not Properly Addressed ( FCRA 611 Violation ) I disputed this account with XXXX and XXXX, and instead of correcting the errors or removing the unverifiable information, they left it on my report without providing proper validation. 
Under FCRA 611, credit bureaus are required to investigate and correct or delete disputed information within 30 days. 
Since this has not been done, XXXX and XXXX are in violation.

LVNV Funding Failed to Provide Proper Debt Validation ( FDCPA Violation - FCRA 809 ) I have requested validation of this debt, and LVNV Funding has failed to provide proof of the original agreement, itemized charges, or a contract that shows I owe this debt. 
Requested Resolution : I am requesting the immediate removal of this inaccurate and unverifiable account from my XXXX and XXXX reports due to violations of the FCRA and XXXX XXXX compliance standards. 

If XXXX and XXXX can not verify the accuracy, they must delete the account under FCRA 611.

If LVNV Funding can not validate the debt, they must remove it from my credit file under FDCPA rules.

If the bureaus and LVNV Funding fail to comply, I will consider legal action under FCRA 616 ( Civil Liability for Willful Noncompliance ) and FCRA 617 ( Civil Liability for Negligence ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  {$2600.00} XX/XX/XXXX. {$1800.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX {$860.00} None of these are my accounts I contacted them and they don't have any of my real information but experience won't remove these accounts
Product: Credit card

On XX/XX/XXXX, I ordered XXXX wedding dresses from the website XXXX. I read the FAQ and saw that all purchased items could be returned no matter what as long as it is done so within XXXX days of purchase. I received the dresses on XX/XX/XXXX. Neither of the dresses fit, so I repacked them and requested a refund on XX/XX/XXXX. I was denied on the basis that the dresses were made to order. I told them about their policy to accept returns no matter what within XXXX  days. After some long negotiations, they agreed to refund me in full ( minus shipping ) if I returned the dresses to them. On XX/XX/XXXX, I paid {$94.00} to ship both dresses to XXXX  in XXXX. I sent a picture of the receipt to XXXX. Beginning XX/XX/XXXX, it was reported that the dresses were in customs. On XX/XX/XXXX, they requested a picture of the receipt showing that I had sent the dresses. On XX/XX/XXXX, I confirmed that I already sent both dresses via USPS and resent them the tracking number. At the time, I also called USPS to see if there was anything I could do about the package being stuck in customs, and was told by USPS there was nothing they could do ; they told me the seller would have to contact the shipping agency in XXXX in order to receive the package. XXXX asked me to check the package number, but I verified it was the correct one and decided to contact Apple Card support to help me with the matter. On XX/XX/XXXX, I contact Apple Card by phone support to dispute the charge, and they temporarily refunded me the charge from XXXX. I gave them the same information provided above. On XX/XX/XXXX, I received an update that they were reviewing the response from the merchant, but never heard what the merchant response was. On XX/XX/XXXX, Apple Card requested extra information via email about the dispute. I sent them the pictures of XXXX agreeing to refund me, claiming they never received the receipt of postage, and the USPS receipt showing that I did indeed ship back the dresses. On XX/XX/XXXX, I was notified that my transaction dispute was rejected and they put the full charge back on my Apple Card. On XX/XX/XXXX, I reached out to Apple Card via chat and asked about the result of the dispute. I sent them the original dispute number and they requested additional evidence that the merchant agreed to the refund. I also sent them the picture of the USPS receipt, a screenshot of the status of the package in XXXX, and the merchant 's response when I told them I had shipped the package. After sending all this, the Apple Card representative said it was weird that I was rejected and stated that I may have been rejected because I did not make my case via text, because they can send everything together at once. On XX/XX/XXXX, I again received a request via email from Apple Card Support asking to send additional information for my card dispute, and I sent over all the same information I sent via chat on XX/XX/XXXX. On XX/XX/XXXX, I received a notice from Apple Card Support that the dispute was rejected and I was again charged for the full amount of the dresses. As of XX/XX/XXXX, XXXX  also closed the chat where I had originally requested the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX TX. XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.