23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, MI, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] LVNV Funding LLC [ XXXX XXXX ] [ XXXX, South Carolina XXXX ] Subject : Cease and Desist Notice Regarding Account Number XXXX Dear Sir/Madam, I am writing to formally request that you cease and desist all communication regarding account number XXXX. I believe that the collection practices employed in relation to this account XXXX violate my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Please be advised that I do not acknowledge the debt associated with this account, and I request that you provide verification of the debt as required under the FDCPA. Until such verification is provided, I ask that you refrain from any further communication with me. 

Additionally, if you continue to contact me regarding this account, I will have no option but to escalate this matter to the appropriate regulatory authorities and seek legal advice. 

Thank you for your attention to this matter. 

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

Equifax was hacked and this resulted in the disclosure of credit information including social security information for millions of persons including myself. At a minimum, the CEO, CFO and IT security people need to be FIRED, FINED heavily, and JAILED for gross incompetence. In addition, the company should be liable for any and all financial losses for all individuals whose information was stolen, and used illegally for any purpose. There is NO excuse for this at all. The databases where this information is kept must be so secure that no one individual has access to open and download the files by hacking. The personal data needs to be strongly encrypted at the source and it should require at least two valid VP level usernames and strong passwords for each to access the database files. These databases need to be virtually unbreakable. After a small number of unsuccessful attempts to open/hack the database, the system should lock out the attempted hackers so they can not open the database even with the valid userID and password.
Product: Prepaid card

I received two American Express gift cards for different events at my job. Each card is for {$50.00} dollars. Total amount is {$100.00} in gift cards. I have tried to use the cards everywhere from fast food, to online, XXXX, grocery store, gas station and they will not work anywhere. I contacted American Express and they said that its because only certain places accept them but I have tried everywhere and the cards do not work at all. So now I have {$100.00} dollars that I can not use. American Express is not being helpful and saying I need to contact the place Im trying to use it at but that makes zero sense because I cant purchase anything so its not their problem. I feel cheated my Amex because pretty much they take the money and then hope you just forgot about the card since it doesnt work. Online the card says active and it says it has the money but literally will not work anywhere.
Product: Credit reporting or other personal consumer reports

Experian, XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's, XXXX inaction violates federal law and my rights as a consumer. Accounts : XXXX XXXX XXXXXXXX
Product: Mortgage

On XX/XX/XXXX I tried to set up a bi-weekly payment of {$310.00} every two weeks arrangement with Ocwen. I have never been late in the 10 years of my mortgage loan. However, Ocwen has set up a barrier into the bi-weekly automatic system in which they will not allow a bi-weekly system unless you've paid an entire 30-31 days before the next payment is due. For example, I've paid for the entire month of XX/XX/XXXX, but they won't allow me to do bi-weekly until I have paid they entire month of XX/XX/XXXXfirst and my bi-weekly won't start until XX/XX/XXXX. I believe this is a form of steering their customers not getting into bi-weekly payments, thus having their borrowers staying longer into their debt. The actions of the company where this statement " You have to qualify for the option of bi-weekly payments. If you don't qualify for bi-weekly you have other option of monthly payments ''. My response, " I've been on monthly payment option for 10 years. You're steering me away from the bi-weekly option and keeping me in the monthly payment '' I would understand why this control feature is necessary for people who are late on payments. But I've never been late!
Product: Mortgage

I was in forbearance since COVID started. This bank kept calling me and calling me and I finally was able to pay what I owed. When I paid them, they said there shouldnt be any fees but on the day I sen tin my payment, they tack on a Property inspection fee. This was all on XX/XX/19. I have called twice and 2 agents told me there shouldnt be any fees and they will escalated but after a month since the fees was put on. Its still there and the bank agents just give me run arounds and escalate that goes nowhere.

The fee is {$15.00} but its not the amount. Its the way they tack these onto unsuspecting customers. And this is after I ask them if there are any fees.

I attached the screenshot of my payments. The fee of is on the same day I submitted payment.
Even before this, the company kept calling me saying they cant extend the COVID forbearance even though its required by law. Yes. I have called them to extend and they said its extended. Then they turn around and require me to fill out one of their forms in order for me to be qualified.
Product: Money transfer, virtual currency, or money service

I sent payment of {$10000.00} certified mail to this company. It was received on XX/XX/year>. I was awakened to an early morning phone call by agent who told me they refuse to accept my payment. She then tried to intimidate me and defame me in saying she would report negative remarks and comments on my credit report and put me in collections. Accruing late charges and fees.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, i received {$84.00} in my paypal account from XXXX XXXX. i cant withdraw or transfer the money from this account.
Product: Mortgage

Select Portfolio Servicing and XXXX XXXX XXXX have attempted twice to foreclose on the principle amount of {$970000.00}. I had modified with XXXX XXXX/XXXX/09. The principle amount then was {$910000.00}. Select Portfolio monthly mortgage statements show the principle amount is {$840000.00}. Why the disparity in amounts? I have complained multitude of times. I have had two trustee sale dates. I have proven to SPS that they are in violation of Dual Tracking. And they claim they did not. I have documentation from XXXX XXXX XXXX recording a trustee sale date while I am in the Modification Loop. What can I do when they deny and deny the accuracy of the sale date county recordings and the ongoing documentation request for the pretend modification? Do I send you all the proof of the first sale date? 
Does SPS have the XXXX information. Where is my true Deed of Trust and Note? And now where do I go with the Dual Tracking proof?
Product: Credit card

Around XX/XX/XXXX I accepted a credit card offer from my Chase AARP card at a 0 % interest for a year with a 2 % transfer fee. Needing the money, I called Chase and asked them to deposit XXXX into my checking account and, shortly there after, they did so. Now, they are wanting the XXXX. back from my checking account. They say it was their error but they should n't have deposited the money because that checking account has n't been used to pay a Chase fee within 3 months, so could n't be approved for the transfer.. I had XXXX balances so there was no need to make a payment. They made this decision after they deposited the money into my account.They say they will pay the bank fees but where am I supposed to get the XXXX?. I do not have all of the XXXX left and what is there is allocated for checks and payments that have not cleared yet. I accepted their offer and borrowed this money in good faith and have spent many hours on the phone with various Chase reps and am that the account is active, has XXXX available credit, but they can not assign the money already borrowed to that account because it was n't used for 3 months. Surely they can lift the rule to cover their error, but they wo n't. The woman, who said she was a manager, gave me the fax number of Chase Executive Offices as my only recourse. So, I am contacting you. This is an AARP card, available only to XXXX. They are causing havoc in my life and do not care at all. Please help
Product: Credit reporting or other personal consumer reports

The Experian boost advertised as helping one by taking bills that are reported monthly to your credit report. I have years with XXXX, XXXX, XXXX and XXXX rental payments yet the account show as not enough payments made for some. To get an update I have to remove my banking information and then reconnect these accounts which cause the score to drop drastically. I then add them back in BUT the score doesnt go back up to the previously reported score. This is an ongoing issue and when reported there is no change. I have had XXXX over 15 years yet the site states not enough payments made. This is odd as this prepaid services and I make payments weekly. XXXX XXXX XXXX over 3 years for mobile and internet yet never updates same for XXXX as well and XXXX  over 13 years all bills paid monthly. I included rental history of XXXX payments reported but not reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX  XXXX Balance : {$55.00} ; XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX Balance : {$30.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to obtain my Equifax free online annual credit report today due to the recent announcement that Equifax 's consumer data was stolen. Equifax was not able to produce the online report ; the other XXXX agencies provided me their online credit reports.
Product: Checking or savings account

I have 2 CDs and a savings account with American Express bank. American Express decided to close my personal account based on my business account which was overdrawn. There is a clear separation between consumer products & business products. I should not be penalized based on my business entity. Amex refused to use the ACH external account that has been verified to be mine already. This is abusive and mishandling of consumer funds and confusing personal with business side banking. 
My business banking was overdrawn for less than 24 hours without Amex notifying me me to allow me to rectify the situation. Had I know I would have fixed the issue as soon as I found out. Instead Amex has closed my business account without proper time and notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with the credit bureaus XXXX, Equifax, and XXXX  with getting these fraudulent accounts removed from my report, they always say the information will be removed or they'll follow up with me but they don't. I have contacted them several times in regards to this situation, I do not want to be held accountable for something that isn't mines, I just want the accounts to be removed and from under my name and my credit report.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Closed account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Debt collection

I cancelled my XXXX XXXX on XX/XX/XXXX, at the time of disconnection they provided me the amount of my outstanding balance, which I paid via credit card over the phone. Today ( XXXX ) I received a collection notice from Credit Protection Association L.P. on behalf of XXXX XXXX. When I called XXXX XXXX they informed me that they made a mistake in the calculation of the final payment due, and adjusted it after I made the final payment. XXXX XXXX NEVER notified me I owed anything else, no mail, no email, no phone call -- they just put me into collections. I made the payment today, I would have made it sooner had I known that I owed them money. Putting me in to collections without ever sending me a bill is unethical, and now I have damage to my credit rating through no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, Someone attempted to apply for many different credit cards and loans. Which left me with 15 hard inquiries that negatively affected my credit score. I have sent letters to each credit agency as well as the 3 major credit bureaus and requested them to be removed. 
Here are the companies and dates and what they were for : 1. XXXX, Inquiry from XX/XX/XXXX, Personal Loans Cos 2. XXXX XXXX XXXX XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
3. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
4. XXXX XXXX, Inquiry from XX/XX/XXXX, All Banks 5. XXXX XXXX, Inquiry from XX/XX/XXXX, Finance XXXX. XXXX, Inquiry from XX/XX/XXXX, Bank 7. XXXX XXXX XXXX XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
8. XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
9. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
10. XXXX XXXX, Inquiry from XX/XX/XXXX, All Banks 11.XXXX, Inquiry from XX/XX/XXXX, Bank 12 . XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
13.XXXX XXXX, Inquiry from XX/XX/XXXX, Bank 14 . XXXX XXXX XXXX  XXXX, Inquiry from XX/XX/XXXX, All Banks 15. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had noticed on my Experian credit report that on two of my XXXX XXXX, credit accounts the payments were being falsely reported 30,60,90 days late. 
I filed a complaint with Experian 0n XX/XX/XXXX, and they processed the complaint to XXXX XXXX. 
XXXX  XXXX response stated that there original reporting was accurate and that they were not going to make any adjustments. 
On XX/XX/XXXX I started to use XXXX XXXX, a credit managing company that were making all of my credit card payments religiously. Even after presenting blatant proof of the payment report from XXXX XXXX, showing that all of the payments were made on time from XXXX through XX/XX/XXXX, XXXX XXXX and Experian refused to make the proper adjustments. 
These fraudulent acts has damaged my credit score for years! 
On one account : It shows from XX/XX/XXXX - XX/XX/XXXX, 30,60,60,60 days late, all false. 
On the other account : From XX/XX/XXXX - XX/XX/XXXX, 60,90,90,90,90,90,90,90.90,90 days late, all false.
Product: Debt collection

Dear AshmerCollectionServices, I am writing to dispute the debt you claim I owe. I have no record of any contract or agreement with your agency. Please provide written validation of the debt, including proof that I owe this debt and that your agency is authorized to collect it. 
Please be aware that under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector can not make false or misleading statements. Failure to provide this information may constitute a violation of the FDCPA. 
Until you provide the requested validation, please cease all collection efforts. If this issue is not resolved, I will file a complaint with the Consumer Financial Protection Bureau and my states attorney general. 
Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX has filed a suit against me and I ca n't afford a lawyer or to pay back the money I owe to Get capital bank usa na they are threatening me with taking property from that I do n't have they call me 2 months ago and I told them I will not be able to pay them back and they still threatened me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the item in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes concerning inaccurate reporting of late payments on my student loans. The reporting has not been corrected despite providing thorough explanations and evidence that my account was never late and has been under a military deferment. My account continues to be listed as delinquent, which is inaccurate and unjustified. 

FASFA submitted documents stating that my The U.S. Department of Education ( ED ) has determined that the federal student loan ( s ) you received to attend XXXX XXXX  ( XXXX ), now known as the XXXX XXXX XXXX  XXXX XXXX ( XXXX ) on or after XX/XX/XXXX, through XX/XX/XXXX, are for a full discharge.
Product: Debt collection

I contacted XXXX at the end of XX/XX/2022 because I had just secured a new job and I needed to clear an old debt with them before my license in Massachusetts could be granted. They transferred the debt to Zwicker and associates in XXXX, MA to handle. I received an email from XXXX that I could call and pay the debt 2 days later. I have been calling them frequently and I still can't make a payment. They keep telling me that the account is on hold but can't tell me why or how long it's going to take. When I mentioned that I feel I may need a lawyer, a manager told me that may not be a bad idea. I don't understand how they can put this on my credit report but won't let me pay it.
Product: Checking or savings account

XX/XX/XXXX my checking online banking account restricted by Truist Bank. It was working fine XX/XX/XXXX. The bank decided to update accounts as a system clean up as result of an issue with XXXX accounts. I called customer service spoke XXXX different people I was instructed to go to the branch, the branch stated that the account was fine there was no issue but I still can not access it. I finally spoke supervisor at Truist Customer Service who stated I had to go back to the branch XXXX XXXX, XXXX, MD XXXX. We identified what the problem was and corrected the paperwork XX/XX/XXXX, I worked who has been very helpful but as XX/XX/XXXX I still do not have access to my account and funds. I spoke to another with Customer Service Supervisor on XX/XX/XXXX who is now stating that will now take XXXX business days for this to be taken care of due to the number of customers impacted by this change. There was no communication before this change was done. My trust has been in effect since XX/XX/XXXX with same bank through all their mergers. 
I can I pay my bills? Who is going to pay late fees? What impact could this have on my credit score? 
How can the bank do something like this without communicating
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt is a work comp issue to be paid by employment with XXXX. I had gotten hurt at work
Product: Mortgage

My original mortgage at closing was about {$1800.00} I paid this amount for one ( 1 ) year. This included insurance and property taxes.

In XX/XX/XXXX, I received a shock! The mortgage company neglected to put in the MUD taxes in the note resulting in a $ XX/XX/XXXX increase in payments. This was a deceptive practice because being a retired police officer, I would not have purchased this home. I called everyone to ask why wasn't this amount put into the closing documents when my payment was estimated. No one knows the answer. It seems that I'm in this municipal district in addition to my property taxes. How in the world can that happen. anyway in order not to lose my home, I borrowed the money off my credit card and paid the taxes on the house directly. I then asked the mortgage company to adjust my escrow for this year.

Now they are threatening me with foreclosure. When I sent in my payment of {$1800.00}, they applied it to the escrow without my permission. I have sent the mortgage payment the same way for the past year but in order to continue this unfair tactic, they applied it to escrow. I guess they make a lot of money off interest in escrow. Now they want {$4000.00} f0r the mortgage payment. I need them to adjust the escrow so I can pay the mortgage.