23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a phone call from an unknown number leaving me a message to call back XXXX. I called back. They spoke of a debt that was from XX/XX/XXXX -XX/XX/XXXX? I live in Colorado statue is 6 years. They said that there will be a court hearing on XXXX XXXX. I looked it up and I do not see it on the docket. They also said that the sheriff 's department would be serving me. I called the sheriff 's department and they do not have a record. When I call the number I speak to the same person over and over never identifying themselves.They are demanding XXXX payment via credit card or money order by tomorrow to stop the court process. But as a law office they do n't have to tell me anything they guy was willing to work with me and offered the XXXX payment and XXXX other payments. I believe this is a scam cause I ca n't find that phone number listed to any law offices in the nation.
Product: Checking or savings account

From XX/XX/2011 and on Wells Fargo charged my checking and saving accounts overdraft fees of {$35.00} when my savings account wasnt insufficient
Product: Mortgage

This is a complaint about the CFPB process. I submitted a claim against Bank of America XX/XX/XXXX, and was told I would receive a status update in 15 days. 
On the XXXX day, the " status update '' was that it would now be 60 days to hear anything back. 
Having talked to CFPB personnel by phone, I was told that companies are allowed to request up to 60 days time once the XXXX day has been reached. 
Did Bank of America request more time? What was the decision process to grant them more time? Is there any evidence they did anything on this complaint in the first 15 days?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX and XXXX has violated my rights. 

15 U.S.C. 1681 602a : States that I have the right to privacy.

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

CHEXSYSTEMS ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORTS.
Product: Mortgage

On XX/XX/XXXX, my loan was sold to Freedom Mortgage. I have been trying to have my loan reviewed for a modification. Previous to my loan being sold, I was in a forbearance plan with my previous servicer, XXXX XXXX. For XXXX months, I was required to make XXXX XXXX of my mortgage payments ( XX/XX/XXXX through XX/XX/XXXX ), which I did. Unfortunately, XXXX never worked with me on a modification prior to them selling my loan. Since Freedom has been servicing my loan, I have asked several times, on several different occasions to have my loan reviewed for a modification. They do not review my file for all programs that XXXX  has available because they received an approval for a Partial Claim ( this will bring my mortgage current but not reduce my monthly payments ). Once they get the approval for the Partial Claim, they do not review for any additional options. This is not fair. XXXX has a new program that is called the Payment Supplement program which I do qualify for ( I completed the worksheet from XXXX XXXX website to confirm this ). They also have the XXXX Recovery Modification which I would also qualify for but Freedom Mortgage refuses to review my loan for these options. This is completely unfair and their refusal to review these options are going to cause me to lose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017, I went to lease a car to XXXX XXXX XXXX XXXX VA. They checked my credit report on XXXX  credit bureau. According to XXXX, I have no credit profile.

On the other hand, I have three credit cards of XXXX XXXX, XXXX  and Best Buy. Three of these companies have my credit profile and I have a good credit score near more or less than 700. I talked to XXXX XXXX and they told me that they report my credit profile to all three credit bureaus including XXXX and XXXX. XXXX XXXX customer service agent told me that they are legally confined to send my information to all three bureaus.

Then I talked to XXXX and they told me that they have my credit profile as XXXX XXXX, best buy and XXXX is reporting them my profile on monthly basis. Contrary to this, XXXX told me that they do not have my credit profile and any of these three companies including XXXX XXXX, best buy and XXXX is not reporting to them my credit profile and I have to talk to my bank XXXX XXXX  about that. When I talked my bank, they said that they are reporting to them and thay can not help me further in this matter.
Product: Credit card or prepaid card

I made an {$1100.00} payment to Suntrust credit card at : SUNTRUST CONSUMER LOANS XXXX XXXX XXXX XXXX MD XXXX The payment was authorized on XX/XX/2020, and the money left my account on XX/XX/XXXX. It was delivered via ACH. As of XX/XX/XXXX Suntrust has not posted my account with the payment. I suspect that they hold large payments for a longer time to gain some overnight interest. 

Please help/.
Product: Credit reporting 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 Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : 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 rimes 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Well, the issue is that this alleged debt was settled and paid on XX/XX/XXXX. The payment cleared my bank account the XXXX of XXXX as of the amount {$1700.00}. Soon after that I requested a payoff letter proving that the account has been satisfied and paid. So, I received a letter dated XXXX XXXX. The payment was accepted and processed by XXXX XXXX XXXX XXXX 's office XXXX XXXX XXXX. In bold on the letter, it states in quote ". This account is considered settled in full of no further monies due ''. Also, mentioned on that letter is " This is your receipt for that payment and paid status on the account ''. I tried disputing inaccurate information on my XXXX report on XX/XX/XXXX. Account history incorrect, paid in XX/XX/XXXX, should not be marked late in XXXX and XX/XX/XXXX. Also reporting XXXX major delinquency as of XX/XX/XXXX. But the account was put in their office XX/XX/XXXX. My XXXX report indicates inaccurate reporting on the account of CKS Prime Investments because it was paid in XX/XX/XXXX and it still shows the account as open, Also, no indication that the account was paid on my XXXX report. As of right now I pulled my XXXX report, and it still shows inaccurate data on CKS Prime Investments by having the account as an open collection account not closed. Also, showing the account with a status date as of XX/XX/XXXX not, XX/XX/XXXX when it was paid. Also showing a 120 day late in XX/XX/XXXX but on time payments afterwards for XXXX, XXXX and XXXX. As of XX/XX/XXXX, CKS Prime Investments is reporting a pay date of XX/XX/XXXX, but then showing a collection as of XX/XX/XXXX as a status update. Also indicating that it meets requirements of FCRA, which I do not know how if I supplied all the payoff letters and errors on the credit reports. I supplied the letters confirming the payment clearing the bank account and the payoff letter but still verified from CKS Prime Investments as not paid in XX/XX/XXXX or inaccurate reporting throughout the XXXX bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX   XXXX  XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXX  XXXX  XXXX XXXX   XXXX  XXXX XXXX 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 reporting 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.

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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, or personal loan

The company has reported that I have not made any payments however, my bank shows there is a payment made. In addition, to resolve the other payments, I updated the payment method in the app since the account I was initially using was closed. Moneylion still continued to try to take payment from my closed account. Instead of contacting me that there was a problem, Moneylion reported this on credit. In addition, they were falsely attempting payments. The records indicate they could not get payment but I definitely had the money in my account. 

When I called to try to resolve the issue, I had to call 6 times because they sent me the wrong links or were not responding to me saying 'Hello '. I requested a supervisor to call me back and they have not bothered to call me.
Product: Debt collection

XXXX XXXX XXXX XXXX A collection is reporting with TransUnion for {$1500.00}. 
XXXX. I should not be charged early termination of fees since I left the apartment after multiple package theft occurrences. I've repeatedly tried to work with the XXXX XXXX  and they continuously failed to secure my property as a resident. 
XXXX. I do not understand the charges for reference no - XXXX. What is accelerated rent? I already gave 30 days notice to vacate the apartment. 

I have also called XXXX and they can not locate a balance due. They advised me to dispute with TransUnion which I did but they failed to remove the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX, XXXX. 
Current Owner : LVNV Funding LLC Reference Number : XXXX Notice and Demand to Cease and Desist Collection Activities Prior To Validation of Purported Debt. 

LVNV FUNDING LLC ( RESURGENT ) a third party debt collector claims are unfounded and egregiously negligent by their own tacit admission with the provided alleged documents pertaining account summary, bill statements, and terms and conditions as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809 ( 15 U.S.C. 1692 ( g ) ) and applicable LVNV FUNDING LLC ( RESURGENT ) able state and local XXXX XXXX is hereby requesting that LVNV FUNDING LLC ( RESURGENT ) an authorized officer or agent of the Lender sign and return the attached affidavit within 72 hrs of the date of this notice. Also attached is an affidavit signed by the Borrower stating the Borrower 's personal knowledge of the terms of the agreement. Also attached is a affidavit of Truth reflecting all ( GAAS ), ( GAAP ) book-keeping on the public and private sides. This is XXXX XXXX good faith attempt to settle this matter and clear up any confusion about the terms of the loan agreement prior to an Administrative Hearing on the matter. Failure to respond will be deemed a dishonor of this Notice. The affidavits are evidence that may be used according to the Federal Rules of Evidence to prosecute or enforce any default by you in this matter. My CPA is prepared to offer Expert Witness testimony should court proceedings be necessary. 
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1601-1692 et. seq., this constitutes timely written notice that I dispute the en-tire amount of the alleged loan and that I decline to pay the attached, erroneous, purported debt Notice which is unsigned and unattested and which I discharge and cancel in its entirety, without dishonor, on the grounds of breach of contract, false representation, and fraud in the inducement. 
Do the Generally Accepted Accounting Principles ( GAAP ), the Generally Accepted Auditing Standards ( G A AS ), the Audit Reports, the Auditor 's Working Papers, the Call Reports, and the credit card company 's financial statements ( that are related to and associated with the referenced account transactions ) reveal the substance of the loan agreement? 

I DID NOT GIVE CONSENT VALIDATING LVNV FUNDING LLC ( RESURGENT ) to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked ''. 




CONSUMER : XXXX XXXX
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items or information any other adverse item of information, other than records or convictions or 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: Mortgage

My Husband and I are currently delinquent on our mortgage due a to long term financial hardship. Our Loan is serviced by Ocwen. We will soon have the ability to bring our mortgage payments current. We have made several requests to Ocwen to provide exact amount required to bring our loan current. Ocwen continues to provide conflicting amounts via telephone representatives and written correspondence sent to us. The amount Ocwen provide to our Attorney and local court overseeing foreclosure is also conflicting in reference to the total amount needed to cure the delinquent payments. We have yet to receive an accurate and confirmed amount needed to remain in our home.
Product: Credit reporting

Can not access my own annual credit report, as well as questions prior to checking my credit report, the XXXX questions to verify my identity were answered all none of the above referring to prior loans never opened by me. Victim of identity theft and fraudulent activity
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CONTACT # : XXXX Dear Sir or Madam : As of XXXX. XXXX. XXXX XXXX  Credit Report still displays a fraudulent account and is the only credit bureau that has this alleged account underneath my name. I am writing to dispute the following information in my credit report file. I have attached serval documents to prove the fraudulent allegation put upon me. This is unfair the items I disputed on the attached copy of the report I received.The information on XXXX XXXX XXXX XXXX or KNOW AS XXXX XXXX XXXX with a balance of {$110.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Mortgage

The home in this complain has not been register in the Property Register Office in Puerto Rico since the Original Deed of the whole complex was declared nule by court. This has leave the property without a legal value position and has decreased dramatically in price and is not worth its Mortage value. After hurricane Maria hit Puerto Rico I stopped paying the mortage due to financial difficulties. I reached the bank on several occasions before regarding this Title problem, but was told to me that since I was up to date in payments no problem existed. I have decide that someone has to be held responsible to this legal title problem and subsequent and significant depreciation of value of the property. I was referred to the office of loss mitigation of the Bank ( Banco Popular de Puerto Rico ) over a month ago and explained in details the problem to the advisor. Recent title search verification was showed which details in the document that has not been presented to the Property Registrar office of Puerto Rico.  This has leave me with a property and a mortage without title-deed and value. I was told that the legal department of XXXX XXXX will contact me. I am still waiting ...
Product: Checking or savings account

Late XX/XX/2022 or very early XX/XX/2022, I contacted Credit Karma to help me get into my online account of which I have a small savings account as well. Unfortunately Someone hacked into my email and gained access to usernames and passwords to several businesses as well as credit karma. I tried to get XXXX XXXX to help me with my phone, but was only told that there was nothing wrong with my phone. Since I could get no help, I did a factory reset on my phone. XXXX now says that my ID and phone number do not exist. Which makes things very difficult because everyone wants you to use your original phone number to get into your accounts. No exceptions. 
After contacting credit karma, I received an email back from them asking for proof of which I submitted photos of my drivers license as well as social security card. This was evidently enough to prove to them that I was telling the truth. So, I received other emails which led to them sending email to reset my password. Unfortunately, it was going to send that reset to my dead phone number. I tried over and over to explain to member support at credit karma and even sent pictures of my ftc fraud and identity theft report as well as the XXXX report. I didnt hear anything more from them All I want to do is to have access to my small savings account there. I am going to close it if I ever get access to MY money because its impossible to get in touch with this company.
Product: Money transfer, virtual currency, or money service

When I try to link my bank to any account the PNC mobile app acts up. In this situation it states " PNC Bank is block you from enabling external applications ''.
Product: Credit reporting

ON MY TRANS UNION CREDIT REPORT I HAVE DISPUTED XXXX FOR A COUPLE OF MONTHS. ON MY CREDIT REPORT FILE THAT I HAVE INCLUDED IT SHOWS ON COUPLE OF CREDIT FILE NUMBER I AM MISSING MY LAST PAYMENT DATES. ON SOME I AM MISSING THE TRADELINE ON WHEN THE ACCOUNT WAS OPEN WHICH IT SHOULD SAY OKEY AS PAY AS AGREE FOR XXXX. THE LOAN PERIOD IS FOR 66 MONTHS. I HAVE MADE PAYMENTS FOR XXXX OF 2016, XXXX OF 2016, XXXX OF 2016 XXXX OF 2016 AND XXXX OF 2016. ON MY CREDIT REPORTS IT BOUNCES FROM MISSING XXXX PAYMENTS TO MISSING XXXX PAYMENTS. I HAVE DISPUTED THIS WITH THE CREDITOR XXXX AND THEY STATE THEY UPDATED MY CREDIT FILE. THEY HAVE PAYMENTS TO SHOW THAT I HAVE MADE FOR THE MONTHS IN QUESTION. THE BALANCE ON THE ACCOUNT IS WRONG. AS YOU SEE ON THE CREDIT FILE THE BALANCE GOES BACK IN FORTH. THE BALANCE THE CREDIT SENT ME IS ACCURATE. I WOULD LIKE TO HAVE THIS ACCOUNT UPDATED. SHOWING MY PAYMENTS CORRECTLY. MY XXXX THAT WHEN THE ACCOUNT WAS FIRST REPORTED AS PAY As agree ALSO MY XXXX XXXX XXXX XXXX AND XXXX PAYMENTS. THE BALANCE OWE IS XXXX. THAT THE CORRECT BALANCE. ON MY XXXX XXXX ACCOUNT. I AM MISSING MY XXXX AND MY XXXX PAYMENTS. THE BALANCE IS NOT CORRECT. I HAVE DOCUMENTS TO SHOW PROOF OF THE CORRECT BALANCE AND MY MISSING PAYMENTS ON THIS ACCOUNT. THIS ACCOUNT IS OPEN ACCOUNT NOT A CLOSE ACCOUNT. THIS ACCOUNT IS REPORTING DATE CLOSE XX/XX/2016. I SHOULD HAVE XXXX OPEN ACCOUNTS ON MY CREDIT REPORT. I AM DISPUTING ALL. I HAVE DOCUMENTS TO SUPPORT ALL OF WHAT I STATED. I AM DISPUTING MY XXXX BALANCE MY MISSING PAYMENTS HISTORY ON XXXX XXXX I AM DISPUTING THE BALANCE, MY MISSING PAYMENT HISTORY FOR XXXX AND XXXX AND I AM DISPUTING ON THE STAIC OF THE ACCOUNT. OPEN ACCOUNT