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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXXXXXX Balance XXXX {$4200.00} 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/year>
Product: Vehicle loan or lease

I have had XXXX auto loans. With lots of issues both loans are closed out. However during the pandemic my car was almost repossessed. I want to make sure loans were paid at the time of payment. Excess interest wasnt applied and once paid off fees were paid back such a XXXX etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

INCORRECT NAME AND PLACE OF WORK REPORTED XXXX XXXX is my correct and legal name. Equifax reports it as XXXX XXXX It also reports my past place of employment as XXXX XXXX when the correct place is XXXX XXXX  These needs to be corrected asap
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE AUTO FINANCE WAS SUPPOSE TO REMOVE ALL HARD INQUIRIES THEY LEFT ONE DATED XX/XX/2016.
Product: Credit card or prepaid card

Company is Comenity.net/easypay I used credit through Wayfair ( not knowing it was Comenity at the time ). They swear they sent me statements, called and emailed but I never received these messages and only occasionally received statements in the mail. In XX/XX/2021 I called and paid off the bill, per their representative what I paid was the payoff. Since then they have been adding interest and late fees which I have paid several times, today being I hope the last. I believe they have milked me for over {$100.00} in late fees and interest on late fees. They refuse to remove the late fees. Today I called after receiving another bill yesterday for {$30.00}. The statement said the balance was {$30.00}. When I called complaining " XXXX, ext XXXX '' said I had residual interest each payment and they were charging the late fee and additional interest. I paid off, again, what she says is the balance which today was {$30.00} ( different than the statement ). So from this I presume that I am being charged $ XXXX/mth late fees on {$0.00} plus {$2.00} interest ( minimum interest ). This is unfair as I called in and paid off the balance in XXXX. I have been paying this each time thinking I am paying off the account and they keep adding more and more interest. I believe they owe me $ XXXXmonth for XXXX, XXXX, XXXX and XXXX with interest at same rate they charge ( {$2.00} monthly minimum charge ). Today, XXXX told me this is industry standard to keep charging clients this way. It is way out of line and I have never had a bank do this to me. I have hit some hard times, especially with COVID, but I pay my true bills.
Product: Checking or savings account

I had a {$50000.00} CD with Synchrony Bank that was scheduled to mature on XX/XX/18. The bank sent me a reminder notice of the maturity on XX/XX/18, I contacted the bank via phone on XX/XX/18 to inquire about reinvestment options. I was quoted a rate of 2.45 % for a term of 14 months. This rate was also advertised on their website. I gave instructions to roll the principal into a new CD for 14 months at 2.45 % apy on the maturity date. When the maturity date came, the bank opened an account for the correct term of 14 months, but at a lower rate of 2.40 %. When I inquired about this, I was told that the rate that I had been quoted was a promotional rate that had recently ended. The bank invested my funds at the agreed upon term of maturity, but decided to lower the APY that they had quoted without making any attempt to contact me. I requested that the bank adhere to the terms that they had previously confirmed to me, and they refused. They did not deny that I had been quoted a higher rate, but would not honor that quote. I contend that the appropriate course of action would have been to either contact me and let me know of a change to the agreed upon rate, or return the funds to me. I have closed the account, and am awaiting return of my funds, and I am being harmed by the interim loss of interest.
Product: Mortgage

On XX/XX/XXXX I reached out to my current mortgage company ( New Rez ) to look into refinancing my home. I have been receiving multiple letters in the mail, from New Rez, to consider refinancing my home, so I called. I spoke with XXXX XXXX and she started the process with my refinance. She told me that based on her data base, my home was worth $ XXXX and that I would be able to not only have a lower monthly payment, but also get cash out ( XXXX in my pocket ). She repeatedly mentioned that she was " conservative '' with the value amount and that it may be worth more. The next day, XX/XX/XXXX, she called me back to lock in the rate and provided me with details to get my appraisal ordered/paid and started. That was the last time I ever talked to XXXX XXXX again, my loan officer, because she never returned my calls and emails. 

I got my appraisal done XX/XX/XXXX. The loan processor, XXXX XXXX contacted me about the loan a few days later and informed me that my house was appraised at $ XXXX and I wouldn't be able to get any cash out and would have to possibly pay small amount at closing still. I got an email from XXXX XXXX from Customer Support informing met me that I needed to provide bank statements that showed I had $ XXXX in my bank to bring to closing. Naturally I was confused and shocked that i would need to bring money to the table considering i was refinancing. I attempted to contact XXXX and no response back. I contacted XXXX as well and she called me back. XXXX mentoned that i was wanting cash out and to pay off debt that I didn't request to be paid off. ( Example : XXXX said that I requested my car loan to be paid off and it's my daughters loan which my daughter is paying off, not me ). XXXX also attempted to reach out to XXXX for me, since I had questions she couldn't answer, however XXXX still did not call back or email me back. The next week I told XXXX that I didn't want to continue with refinance because of how poor the service was and no return call back. 

I then contacted New Rez to put in a formal compliant in on XX/XX/XXXX. The took my information and told me that they would have one of the managers contact me back, that day. They mentioned they still had 2 managers in the office and they would call me back. Never heard back. I called back on XX/XX/XXXX and requested a follow up. The individual on the phone apologized for the delay in contact and was going to get a manager on the phone. I requested to speak to someone live and she assured me that I will have someone on the phone. I then was transferred to a voicemail, I left a message and have yet to ever hear back from anyone. 

On XX/XX/XXXX decided to reach out to another company to refinance my loan and get away from New Rez. I have owned several homes and I have refinanced in past before. I have never been with a mortgage company that has failed their clients this bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit reporting or other personal consumer reports

I have requested XXXX in XXXX and XXXX XXXX XXXX XXXX and LVNV Funding LLC provide validation for this account. Each time, the companies has failed to provide the required debt validation as mandated by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g within the 30-day period and when they finally responded on XX/XX/year>, I did not receive the following information as requested. 

When a consumer disputes an account and requests debt validation, the company or debt collector is legally required to provide documentation proving the debt is valid. If they fail to do so within 30 days, they must cease all collection efforts until proper validation is provided. If not, the account must be removed from your credit reports. 

Required Debt Validation Documentation, but not limited to : 1. Proof of the Debt : - A copy of the original signed contract or agreement that created the debt.

- Documentation showing a breakdown of the balance, including principal, interest, fees, and any other charges.

2. Creditor Information : - Proof that the creditor legally transferred or assigned the debt to a collection agency ( if applicable ).

3. Payment and Account History : - A detailed record of payments made and how the balance was calculated.

- Evidence of late fees, interest, or penalties added to the account.

4. Legal Authority to Collect : - Documentation proving that the company attempting to collect has the legal right to do so.
Product: Debt or credit management

I have been charged for a card and I havent received a card for the company and someone else used the card with my information so and they sold my information to a debit collector where is tho I feel like I dont owe it to them because they only reached out while I was at work when I called to discuss the matter they still did not help fix the situation. Capital one year of card was XXXX the amount they are trying to charge me is almost {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX SC XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Experian I have XXXX accounts that are fraudulent and should have been removed from my file along with a fraudulent inquiry. Experian claims they received my FTC report # XXXX but did nothing about the fraudulent accounts with balances Inquries XXXX  XX/XX/year> accounts XXXX XXXX XXXX # XXXX balance XXXX XXXX XXXXXXXX XXXX XXXX # XXXX balance XXXX XXXX XXXX  # XXXX balance XXXX all of these are filed on the FTC report number above but were never handled properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX XXXX XXXX Swiss Colony / XXXX XXXX XXXX XXXX XXXX, WIXXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, XXXX and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. XXXX removed the listing from my credit report. However it is still showing up on XXXX as XXXX XXXX and on XXXXXXXX as XXXX. I want this removed off my credit report on all three agencies immediately and also a letter from XXXX XXXX saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this. It was listed as home visions on XXXX XXXX report and XXXX XXXX  on XXXX report, same address, but i have filed a separate complaint for XXXX XXXX and XXXX and Swiss Colony but it now shows up as Swiss Colon / XXXX as well as XXXX  They keep changing the name.
Product: Credit reporting or other personal consumer reports

I SENT DISPUTES IN SEVERAL WEEKS AGO. THE ACCOUNTS WERE NOT PROPERLY VERIFIED, NOT DELETED AND ARE STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. THE ACCOUNTS THAT I WAS DISPUTING WERE INACCURATE AND NOT PROPERLY VEIFIED. ( I DEMAND THAT THE ACCOUNTS BE DELETED BECAUSE THEY ARE SHOWING SEVERAL INACCURACIES IN REPORTING ON MY CONSUMER REPORT. THIS A VIOLATION OF THE FCRA, AND ALL ACCOUNTS THAT ARE NOT VERIFIED AND NOT ACCURATE MUST BE DELETED AND BLOCKED FROM MY CONSUMER REPORT IMMEDIATELY. ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I ALSO HAVE AN AUTO LOAN SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY WHICH IS INACCURTAE. I HAVE NEVER LATE ON ANY PAYMENT SINCE HAVING THE LOAN. THE PAYMENTS NEED TO BE UPDATED TO NEVER LATE, OK, ON-TIME IN THE ENTIRE PAYMENT HISTORY.
Product: Credit reporting or other personal consumer reports

I am a victim of XX/XX/XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 
XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had one account with XXXX XXXX XXXX which was in great stands by the way since XXXX. I received and alert XXXX, XXXX transunion and XXXX XXXX from my credit report stating my loans were paid and full 100 % of {$27000.00} and the account was closed XX/XX/XXXX. Then a week later I received another alert about dept of education XXXX who is a debt collector. They told me XXXX  gave them my infomation ( without my consent ) or notifying me and that i should reach out to XXXX XXXX and I did so. XXXX XXXX said that my account was in great standing per the woman XXXX and hung the phone of because i ask her for a paid in full paper due to them reporting it to my credit report. then stated the account was closed paid and full. still never told me that they transfer my account collector without my consent. You can not settle federal student loans or private student loans that are in good standing. With both federal and private loans, a student loan settlement doesn't become an option until you enter loan default. My student loans were not in default. I was not notify of anything no via mail, via email, via phone. This matter had really. XXXX report 9 account of student loans account to my credit report that all have the same account number. XXXX reported all to my transunion. This matter has put me in a deep XXXX. I did not consent to any of this matter and will be reporting this to the FTC XXXX XXXX {$0.00} paid % in full DEPTEDXXXX XXXX {$5300.00} XXXX {$4500.00} XXXX {$1200.00} XXXX {$4600.00} XXXX {$2200.00} XXXX {$2000.00} XXXX {$3500.00} XXXX {$3900.00} XXXX {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX  : XXXX, XXXX  XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally file a complaint against LVNV Funding, LLC regarding an unresolved issue with a financial transaction. Specifically, I have not received funds that were supposedly credited to my bank account by LVNV Funding, LLC. Below are the details of the complaint : Issue : I was informed by LVNV Funding that they would deposit funds into my bank account, but I have yet to receive any money. 

Account Information : The bank account information I provided is correct and has been verified multiple times. Despite this, the funds were never credited to my account. 

Attempts to Resolve : I have contacted LVNV Funding several times regarding this issue. Each time, they have either failed to provide a satisfactory explanation or have not responded adequately. The lack of transparency and failure to resolve the matter is unacceptable. 

Financial Impact : The funds were expected to settle an outstanding balance or other financial obligations, and the failure to receive them has created undue stress and complications with my financial planning. 

I would appreciate the CFPB 's assistance in resolving this issue, as LVNV Fundings actions appear to be in violation of my consumer rights. I am requesting an investigation into the matter and appropriate action to ensure that the funds are deposited into my account as originally promised.
Product: Credit reporting or other personal consumer reports

My mother works for the XXXX XXXX and she noticed a lot of inquiries so we pulled my report and I have XXXX inquiries that I didn't authorize. She received a letter at the beginning of the year saying that our data had been breached. She has insurance on me and my sister, so our information was also part of that breech. I have not authorized anyone to run my credit. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am writing today in regards to my account with JPMCB CARD account # XXXX. The reason for writing today is in regards to the late payments which is showing on my report in XXXX, XXXX and XX/XX/2020, due to Covid I was unable to make the payments in XXXX, XXXX and XX/XX/2020. As soon as I was able to, I got my payments made and caught up.
Product: Debt collection

XXXX  has been sending me bills since XXXX, XXXX  with an amount that I don't owe. I am not a user of XXXX and I don't have any active line either. I called XXXX customer care every-time to resolve and they asked me to visit nearest store. I went to store and they confirmed that I don't owe any money. It is taken care. They said, if anyone asks for confirmation we have a note against your account # XXXX for XX/XX/2022 at XXXX XXXX. I have asked to email or send me the note but they said that we are not authorized to share via print. 

with this story, I received a debt collector in XXXX, XXXX  and I called them about the debt but they confirmed, XXXX has confirmed that I don't owe that amount so we are good. Then I received another debt-collector name ( frontlineas.com ) Phone XXXX and my debt reference # XXXX. Once I reached Front Line then I marked this transaction disputed again. They never responded but I reached them after 3 weeks to check if we are good then they mentioned that XXXX has confirmed that you owe this money. I dont have any dispute written confirmation but they asked for amount so I paid them {$290.00}. 

I am in a circle of scam with XXXX with these debt-collector. You can check my credit history, I am very upfront to pay off my bills and outstanding but this amount is a fraud on XXXX with the support of these debt-collector. Please help me to get out of it.
Product: Credit card

The company is incorrectly reporting me up to 120 ( 30/60/90 day delinquencies ) days past due while I am in a debt management program accepted by the company in XXXX, 2015. I was never even 30 days late, and have paid as agreed both prior to and after the debt management plan was put in place. The company refunded late charges, but will not fix credit reporting errors. American Express sent the account to a third party to administer the debt management program and they refuse to correct the errors. They referred me to American Express ' credit reporting division who stated I needed to talk with Customer Service. I contacted Customer Service who stated they can not speak with me and that I need to call the third party servicing the account. When I call them they refer me back to American Express ' Customer Service. Nobody will take ownership of this request and keep sending me back and forth to the same XXXX areas and will not help me get their errors fixed.