23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/XXXX, I received about 2 emails from Bank of America asking me update my personal information. I clicked the link and logged into my online account, but nothing popped up on the website so I thought the emails are due to some system glitches. As the email was asking me to keep my info updated, so I went to my profile and made sure everything is correct there. There's no due date specified in the email. 

Since mid XX/XX/XXXX, I noticed something weird happening to my accounts, like some credit cards disappearing from online account. So I called BoA, they confirmed they have the updated info of me. But they told me due to not responding to the note or letter they sent me, they already closed out all of my credit cards, including my XXXX card which I still have XXXX rewards points with. The points can worth {$1000.00} redeeming for flights. 

Later, I did realize BoA also tried to mail me letter regarding this. But since I was traveling during the holiday season. I didn't see the letter until mid XXXX. I didn't receive any phone calls regarding this.
Product: Checking or savings account

On XX/XX/22 I deposited {$500.00} of cash into a Chase ATM for my Chase total checking account and received an error message on the screen saying the funds could not properly be deposited. My money was not returned and I received a receipt instructing me to call a number ( XXXX ) to make sure the deposit went through with no further information. Upon calling, customer service said they did not see the funds but processed a claim on my behalf and I received the missing deposit on XX/XX/22. Without any notification, the claim was reversed exactly a month later on XX/XX/22, and upon calling I was told that the cash was not found in the ATM and there was nothing Chase could or would do to remedy the situation. This resulted in my account being over-drafted and multiple conversations with Chase employees telling me that there is no way for my money to be returned to my account.
Product: Debt collection

Jefferson Capital Systems has continued to report an alleged debt on my credit report despite my formal dispute and request for a cease and desist. I have clearly communicated that I dispute the debt and that their continued reporting constitutes a form of communication under the FDCPA. 

In XXXX XXXX XXXX, 514 U.S. 291 ( 1995 ), the United States Supreme Court affirmed that the FDCPA broadly covers all communications related to the collection of a debt. This includes communications made through consumer reporting, as defined by the FDCPA. 

Furthermore, under 12 U.S.C. 5531, the CFPB is empowered to take action against entities engaging in unfair, deceptive, or abusive acts or practices. By continuing to report this disputed debt, Jefferson Capital Systems is engaging in an unfair practice, causing harm to my credit reputation and financial standing.
Product: Credit card or prepaid card

In XXXX I notice a charge on my Slate Chase credit card I didn't make or charge to XXXX and 4 telephones I didn't purchase. Than I received mail from XXXX about payment for service and usage that was not my name received with my address. I called Chase fraud department and talked to someone to resolve the problem with thief of my card and the wrong name on the service. they said they would look into it and get back with me soon. I notice they sent a message and a letter to me and said the party who purchased the phones had all my same info and that it was factual. This was after They advised me to destroy my credit card and they issued me a new one in the mail. They didn't remove the balance from the previous card and carried it to new card and said I need to pay it. And started receiving mail for the 4 phones and there service and stated billing me in someone else name but my address. I called XXXX to resolve that issue and they said they would resolve it but haven't heard from them also and still receive bills and chase card is billing late charges on my account in someone else name and wont resolve or research any legal facts and just gave up on me and said I owe. end of statement..They both said they will report my name and credit to all the credit companies because they are all to lazy to work with legal facts
Product: Checking or savings account

Opened a Small Business Checking account. 
Did an ACH deposit for the opening. 
Trying to deposit a check, using mobile, and there is a limit of {$500.00} a day on deposits. The option the company gives, is to visit a branch. The nearest branch is XXXX1000 miles away. 

https : //answers.usbank.com/answers/s/article/What-if-my-check-exceeds-my-mobile-deposit-limit-and-theres-no-branches-in-my-state As you can see, since I don't have an ATM or Branch within 1000 miles, and it is a business account, there is no way to deposit money. The website says they can only accept mailin checks for personal accounts.
Product: Payday loan

I requested a loan for {$1000.00} from mobiloans My payments are all similar. Auto draft of {$150.00} and {$45.00} applied to loan balance {$100.00} applied to advance/fees. So the two payments equivalent to {$300.00} that come out each each month only {$90.00} of that goes to my account balance. I have a few times had to request funds because I did n't realize it would be twice a month but was sure I had gotten myself in a mess and would just have to keep trying to get through it until I got it paid off. I went through all of my statements and I have paid {$4700.00} to them since XXXX2015. My total fees charged total in {$2400.00} and my current balance is {$1000.00} with a payment due of {$260.00} and {$170.00} of that is fees. I feel this debt has been more than enough taken care of. I was advised by several people to close my bank account and try to find relief of this debt. I do n't feel I owe this company anymore money they have received back what they loaned to me and then some.
Product: Credit card or prepaid card

On XXXX, I was alerted of multiple hard credit inquiries from XXXX and Capital One. These were unauthorized inquiries, as I did not apply for credit, products, or services from either creditor. I immediately contacted both creditors for suspected fraud/ID theft. XXXX confirmed the fraudulent activity, and advised that any pending applications have been closed and that Id receive confirmation by mail. Any unauthorized hard inquiries would be resolved in approximately 90 days. I then contacted Capital Ones fraud department for resolution. I was advised that there was no record of any activity associated with my name, date of birth, or SSN. Meanwhile, both XXXX  and XXXX showed hard inquiries dated XX/XX/2020. I could not reach resolution with Capital One as they show no record of this inquiry. I was advised to dispute with the CRBs, or send a letter to them to include an account number ( which I dont have ) and other PII.
Product: Debt collection

A fraudulent loan of {$15000.00} of a opened account from XX/XX/2023 from XXXX is showing up. There is no knowledge of this account and was never authorized. I never had any relationship with XXXXXXXX XXXX  nor has a loan ever been authorized with this amount.
Product: Credit reporting or other personal consumer reports

Experian says my credit dropped suddenly over XXXX points but no explanation nor reason anywhere to be found for the month of XX/XX/XXXX when asked they cant figure it out either! My information has been stolen before and it messed up my medical insurance but I fixed that part I guess it messed up more than I thought because nothing else has changed at all Im still XXXX and not able to work! Since XXXX and the XXXX  I got hurt at closed down shortly after so I still dont get why those loans are there when the XXXX refused to let me finish against my will because my injuries put me in a XXXX  and they werent XXXX XXXX nor willing to accommodate or help me finish in anyway! My income ( XXXX ), XXXX ( XXXX XXXX  ) or anything has both changed in years!!! ( Permanently XXXX )! Please help me!! Please and thank you!
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DP OF EDUC XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

The following accounts are not mines and they stopping me from buying a home for my family. I'm respectfully requesting that the following accounts be blocked from my credit report, The accounts are ... XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay for a credit monitoring service with XXXX  and XXXX. I received an alert that the payment stAtus has changed on my Transunion acct. The alert stated my payment status updated to 60 days past due and a balance of XXXX. I contacted Transunion to inform them that the account was CLOSED and PAID IN FULL. I received correspondence in the mail from Transunion that stated they completed their investigation and the information was reporting accurately. There is NO way they completed an investigation because that account was paid in full and the account is closed and paid on all of my credit reports except Transunion. I have uploaded the proof since I had to complete my own investigation. You will see that I missed a payment in XXXX I paid that missed payment on XX/XX/XXXX, I paid the XX/XX/XXXX payment on XX/XX/XXXX. On XX/XX/XXXX I made another payment, and on XX/XX/XXXX another. On XX/XX/XXXX I made 2 payments.. which paid my loan completely off in full with a XXXX  balance. Please review the attachments to prove this account is CLOSED, and PAID IN FULL. 
The name of the account is XXXX, the account Number is XXXX.
Product: Credit reporting or other personal consumer reports

Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 Violations : Affirm has filed incorrect information to credit bureau, reported as derogatory outstanding late debt. 
Affirm Failed to update or correct my credit information on paid in full debt -the debt I initiated a full dispute and requested investigation on. 
Affirm did not do anything to help me resolve this. They refused to dispute my ticket purchase and refused my request for investigation. 
Affirm Continues to report disputed debt without noting its disputed status. 

On XX/XX/2023, I purchased XXXX concert tickets online through Event Tickets ( XXXX # XXXX ) for a total of {$550.00}, paid via Affirm. When I arrived at the will-call window at XXXX XXXX XXXX XXXX was informed that the tickets I bought were not legitimate. I had no choice but to purchase XXXX more tickets directly from XXXX XXXX to attend the concert. 

Afterward, I contacted Event Tickets for a refund, but they gave me the runaround. I then reached out to Affirm to dispute the charges, but they refused to assist and told me that XXXX XXXX needed to contact them directly. XXXX XXXX, however, declined to get involved. 

I'm extremely disappointed with how Affirm handled this situation. Not only did they fail to help me resolve the issue, but they also reported XXXX late payments on my credit report, which I'm still fighting to have removed. I ended up paying off the balance in full to avoid further damage to my credit. 

Both Affirm and Event Tickets have shown poor business practices, and they have permanently lost my business. I believe Affirm should be held accountable for their actions, and they could potentially face legal action for their handling of this matter.
Product: Money transfer, virtual currency, or money service

I have been attempting to withdraw my funds from Coinbase for several days but every tine am told XXXX XXXX  account isnt linked and I need to relink it. However when I try to do that, it tells me the account is already linked. 

It should be noted that there are no issues when depositing funds, somehow the issues miraculously appear only when attempting to withdraw. 

I would also like to note that there is no way to get on the phone with the company, which is unacceptable for a public financial institution with a market cap of around {$100.00} XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX Balance {$300.00} Date opened XXXX XXXX, 2021
Product: Mortgage

I am trying to recast my loan with a {$100000.00} payment towards my loan principle. After several attempts starting on XX/XX/XXXX my request to recast has been unacknowledged. I have received several different instructions of information to submit to an email address when calling. There is no representative with United Wholesale Mortgage that I can speak with about my recast request. Only an email address with no response is available for recast requests. It is well over the processing time that I was told it would take for recasting. I believe my requests are intentionally being ignored to collect more interest from me and sell my loan before recasting.
Product: Debt collection

Details of the Complaint : I am filing this complaint against LVNV Funding LLC for failing to comply with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. The company is attempting to collect a debt associated with a XXXX  XXXX account, but it has not provided proper validation despite multiple requests. 



Timeline of Events : 1. First Request for Validation : On XX/XX/year>, I sent a formal written request to LVNV Funding LLC for debt validation, including proof of ownership, a copy of the original agreement, and a detailed account history.

2. Second Request for Validation : On XX/XX/year>, I sent a second written request for validation, emphasizing the need to resolve the matter before an upcoming court date.

3. Directly after court, XX/XX/year> I called and spoke to the company. They stated the information was received, the requested information was sent XX/XX/year>, and a resend was requested XX/XX/year>. I confirmed my contact information to ensure the requested documents would arrive. 

XXXX, I called the company again and spoke to XXXX. She confirmed the information given by last colleague I spoke to. She informed me that the process could take up 30 days. That time has elapsed. 



Despite these efforts, LVNV Funding LLC has failed to provide any response or documentation validating the debt. 



Violation of FDCPA : Under the FDCPA, debt collectors must : Cease all collection activities, including garnishment, until the debt is validated. 

Provide written proof of the debt upon request, including evidence of ownership and a detailed accounting. 



LVNV Funding LLC has continued collection efforts, including pursuing wage garnishment, without fulfilling its legal obligation to validate the debt.
Product: Mortgage

My name is XXXX XXXX, formerly known as XXXX XXXX. Im trying to reach Specialized Loan Servicing ( SLS ) to request documents and my efforts have been unsuccessful. Ive spoken to a representative a few weeks ago but was never given a number or email address to follow up with. 

The representative confirmed that SLS had sent my insurance company {$2200.00} on XX/XX/2022. I contacted my insurance company regarding this transaction ; however, they are requesting that I send them proof of this transaction. If SLS could send over documented proof of this transaction, that would help significantly in resolving the confusion.
Product: Debt collection

I recently noticed an OPEN collection accounts on XXXX of my credit bureau reports stating that LVNV has placed on my report as a " collection '' account. I was not aware of any such company that I owe a debt to. On XXXX XXXX, 2017 I 've sent LVNV a letter via certified mail regarding this alleged collection accounts they are claiming I owed. Asking them to validate my account by sending me evidence bearing my signature showing that I have ever signed a contractual obligation with them. Asked them to reply within 30 days of receiving my letters. Per my tracking system they received these letters on on XXXX/XXXX/17. On XXXX/XXXX/17, I noticed the accounts moved from OPEN status to CLOSED status with balances still owed by me apparently. I 'm very puzzled. It is now XXXX XXXX and I still have yet to hear from them with a reply of this contractual agreement bearing my signature that I am asking for. If they do not reply I will have to take the next step to exercise my rights. This is very damaging to my credit reports.
Product: Credit card

My credit limit was reduced from {$1800.00} to {$100.00}. I have never been late on a Synchrony bank credit card. 

The reasons given were lack of real estate, too much revolving debt, credit limit maxed out, delinquency. 

I own a home My credit limits maxed out are those Synchrony reduced. 
Amount of credit and delinquency was there when the account was given to me. So ok to have it then? But not now?
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of identity theft. There 's a fraudulent and unauthorized hard inquiry listed on my XXXX and Experian credit report. The following hard inquiry is fraudulent, unauthorized and do n't belong to me : XXXX/XXXX, XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian explaining an account appearing on my credit report was not mine and to remove it immediately. They have failed to respond to my request in a timely manner. I want it removed now.
Product: Credit card or prepaid card

XXXX XXXX XXXX - Synchrony Bank I called ( XXXX ) on XX/XX/2021 to pay off remaining balance on this card of {$700.00}. I had closed the account about two years ago, and was just making payments. XXXX with Synchrony Bank, handled the call and we did a bank XXXX withdraw from my XXXXXXXX XXXX Account for {$700.00} with a confirmation number of XXXX. 
This morning, XX/XX/2021, I received an email that my XXXX account was overdrawn by {$440.00}. After checking the account online, it showed that Synchrony Bank withdrew {$700.00} twice for a total withdraw of {$1400.00}. This was of course unauthorized. 
When I called Synchrony Back this morning, they immediately said there had been a mistake on their end and they'd send me a check for {$700.00} within 7 to 15 business days, which was their policy. 
I explained that I'm a retired senior on social security with a fixed income and wanted the money restored to my account today since it was their fault. They said their was no way for them to do that and I'd need to wait for the check to get mailed.
Product: Credit reporting or other personal consumer reports

To whom may concern, please be advised I have been discussing mortgage assistance options with XXXX XXXX XXXX from the beginning of XXXX. I have responded to all of the requests for documentation in a timely manner only for them to return and request the same information over and over again. XXXX XXXX XXXX  and its agents have systematically created an environment to put myself and clients like myself in a position of default. I believe this to be a business strategy of theirs. Additionally, in all of my conversations agents led me to believe that any settlements would not have negative impact on my personal credit, and they have gone ahead and reported negatively on my personal credit on a commercial account where the borrower is an entity. I ask you remove any negative reporting on my personal credit immediately and ask that you investigate XXXX XXXX XXXX for their practices in general and in specific with mortgageassistance
Product: Debt collection

I received an email at XXXX XXXX  EST today ( XX/XX/2023 ) from TSI asking that I owe XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$52.00}. I have not contacted the debt collection agency. My last name matches with the last of the actual person. TSI created an account using my email address without my knowledge.
Product: Vehicle loan or lease

When i first applied for the loan i was told my payment would be {$200.00} less. This was during the pandemic so i agreed to refi. Upon receiving the invoice for my first payment, my payment was not lowered but my loan term was lengthened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act My federal protected consumer rights has been violated under section code 15 usc 1681 I would like all inquiries checked and removed from my account
Product: Payday loan

I continued to get charged {$400.00} per month automatically withdrawn from my bank account when I feel the loan has been paid. I borrowed {$800.00}. They have taken {$400.00} per month for the last four months, starting in XX/XX/XXXX - XX/XX/XXXX. I recently put stop payment at the bank. So XX/XX/XXXX payment was not taken, but they attempted I have no documentation of the loan and when I called them to ask why there was another XXXX payment taken from my checking account they would not talk to a friend which was attempting to help me with my bills since I had just experienced a hardship caused by a hospital stay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly the status as current on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report the status as CLOSED. I have attached a copy of the letter from XXXX XXXX dated XXXX showing your account reflects a balance amount of XXXX and closed status. Please update the account status. This inaccurate reporting is harming my credit score. I have contacted the bureaus to update this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help I have bankrupcty on my credit and I never filed bankruptcy I never lived at XXXX XXXX XXXX XXXX XXXX. I never had a XXXX XXXX, XXXX, XXXX  XXXX XXXX, XXXX, 2 bankruptcies are reall hurting me. I contacted the courts they said the dont give out information or credit information. I demand this be removed from my credit report. I believe its racially motivated I have a feeling when I call they brush me off. I have a deep XXXX accent. I work 80 hours a week Please help remove this information from my report. Please