23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2024, I spoke with a representative and asked her to continue all communications via mail, I would like to no longer be contacted via phone. Since that date, I have received a phone call every day, at least once sometimes twice a day. I spoke to someone today, letting her know the same thing. That I do not want any more phone communication with this creditor.
Product: Debt collection

Meridian Financial Services Inc. has violated the FCDPA trying to collect old debt which is considered " Time Barred '' debts. The company has placed a lien on my credit report in the amount total of {$16000.00}. 

The debts were dated in XX/XX/2006 which is twelve years old and can not be collected, as it's considered a Time-barred debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a debt appearing on my TransUnion report in the amount of {$1200.00}. As of today, no action has been taken. The dispute process has not been completed, and it was initiated on XX/XX/2021 with the estimated completion date as XX/XX/2021. I have now waited almost a week extra beyond the anticipated completion date with no results. This is making it where I can not file additional disputes regarding other inaccurate information reported for which I have gathered appropriate documentation to dispute.
Product: Credit reporting or other personal consumer reports

I sent in a dispute about XXXX  months ago to have the credit agencies remove this account and they just responded and said that it was verified. The XXXX reporting agencies have several items that do not match. This account is for XXXX XXXX XXXX. This is how the XXXX agencies are reporting their information about this account. 
Date opened : XXXX = XXXX, XXXX = XXXX, Experian = XXXX High Balance : XXXX {$16000.00}, XXXX {$14000.00}, Experian= {$16000.00} Date Reported : XXXX, XXXX XXXX ExperianXXXX 
How can these XXXX agencies claim to be accurate when they are all reporting data that doesn't match each other on so many items? 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 1005 accurate information>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each of the credit bureaus multiple times regarding accounts that I don't recognize reporting on my credit and requested an actual investigation. Unfortunately, that never happened. I was told the items were verified but I conducted my own investigation and contacted the company directly and they did not verify anything with me. I even sent proof to the credit bureaus of my communications with the creditor and they never responded. Additionally, they responded to my first request well after the 30 days. My rights as a consumer have been violated by the bureaus in more than one instance and something needs to be done.
Product: Mortgage

Lender : LakeView Loan Servicing Company NMLS : # XXXX Lakeview Loan Servicing : XXXX XXXX XXXX, XXXX  XXXX, VA XXXX Problem : After repeated requests for the status of an imminent loan modification ( between XX/XX/XXXX - XX/XX/XXXX over 150 days ), Lakeview Loan Servicing LLC has not provided any electronic or written correspondence regarding the status of my existing mortgage. 

History/Details : I participated in the COVID-19, 90 day mortgage relief program in XXXX of XXXX. Note : The loan was current at the time I opted into the COVID-19 mortgage relief program - My credit score was/is around XXXX - There were no title issues at the time of my opted-in and there were no title or financial concerns between XX/XX/XXXX - through present day ) On XX/XX/XXXX, I verbally agreed and accepted the Lakeview Loan Servicing LLC option to expire the XXXX mortgage relief program. On XX/XX/XXXX, I also agreed that the existing mortgage would be modified to take advantage of the lowered interest rates. 
Lakeview Loan Servicings customer service members informed that paperwork would be sent to me and that the new mortgage terms would start in XX/XX/XXXX. 
Since the XXXX week of XX/XX/XXXX, I have contacted Lakeview Servicings customers service number ( on two weeks intervals ) to inquire about the status of my loan and the imminent loan modification. Each time I called, I was told that while the loan departments are extremely inundated, the mailing of any appropriate loan documentation was imminent. LakeView servicing refused to provide an email or letter form communication providing notification of status or receipt of prior communication. 

As of XX/XX/XXXX, I have not received any correspondence from Lakeview. 
I have incurred over ( {$18000.00} ) XXXX XXXX dollars of additional principle to my loan amount over this period. I am extremely hesitant to send unsolicited payments to the lender in fear that the payments would not be applied correctly or considering their refusal to provide reasonable communications, even acknowledged. 

I am very concerned that Lakeview Servicing is participating in lender misconduct or perhaps fraud. I would like to not only file this complaint, but take advantage of every opportunity available to help bring this to an issue to a close and if possible, protect me from any adverse results that may be incurred do to Lakeviews negligence.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Debt collection

BCA FINANCIAL SERVICES INC IS HOLDING A COLLECTIONS ACCOUNT ON MY XXXX, XXXX AND XXXX CREDIT REPORT THAT IS NOT MINE. 
ACCOUNT NUMBER ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Looked at credit report saw inquiries for things Ive never applied for.
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 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: Money transfer, virtual currency, or money service

Hello there, I just received a message from PayPal telling me the reasons why they are closing my paypal account and I got this to tell them : On the informations I provided to them, I told them that the account : XXXX is used by my mother XXXX XXXX and I still live with her. About the chargeback, I sent her money using my paypal MasterCard. A few days after I sent her the money, I saw that on my credit card it was saying I paid for a service to XXXX XXXX and I got confused so I told to The Credit card departmemt to look for the person. It was until my mom log on her account and found out that her PayPal is negative, that I noticed she might be XXXX XXXX. The reason I asked the credit card company to report the transaction is because I didnt know who XXXX XXXX was and it didnt show up on the credit card that I sent money to my mom ( XXXX ). As soon as I noticed that I immediately called the credit company and told them to cancel the fraudulent activity and send the money back to my mom. You can ask people from XXXX XXXX they will told you what I just said. 

PayPal is going to close my account and thats unfair. Ive never have any issue with PayPal in the past and theyre trying to close my account just because of a misunderstanding?
Product: Credit card or prepaid card

They put a promotion for my citi card is XXXX without any authorization they put XXXX interest on the card I asked them why did they added it and they told me a promotion that I never requested or signed for I asked for proof saying that i requested the promotion but they were denying me i wat to resolve this problem because there interest is too much for me I need a solution thank you
Product: Credit card or prepaid card

XX/XX/2018, I contacted the credit card company American Express to complain about a payment of XXXX had been sent to the wrong location. The credit card company told me that they could not cancel the payment I would have to contact the bank. The bank ( XXXX XXXX ) refused to cancel the payment. I even went to two branches in my local area and they still refused to do anything to assist with the situation. American Express even deducted funds from the payment of XXXX that they were not supposed to have received. I contacted American Express XX/XX/2018, and I was advised by ( XXXX ) that a check would be mailed next business day. American Express still has not processed the check and are still deducting funds from the payment they were not supposed to receive despite the fact that I have complained several times about the situation. 




P.S. I have also had an issue with American Express accepting payments but not updating credit balance.
Product: Money transfer, virtual currency, or money service

I have 3 major issues with the company Coinbase. 
On XXXX I purchased XXXX $ of XXXX and on XX/XX/XXXX another XXXX $ worth of XXXX. The following day when I wanted to sell my coins for a profit several issues arose : 1. The sell max function- which allowed you to automatically sell you maximum coins was not working at all, it was up to me to roughly calculate how much money I wanted Inevitably leaving some behind in their wallet. 
2. As soon as I sold my requested amount of XXXX $ they cancelled my transaction! This resulted in me losing money, they did not let me sell when I wanted and I was stuck selling when their system permitted me to. I sold on XX/XX/XXXX XXXX $ worth of XXXX XXXX, leaving XXXX $ worth behind, again because their sell max function doesnt work. I lost hundreds of dollars and there is no one to talk to. They do not have customer service. I filled a form and revived a reply via email it will take them 5-7 days to look into this. But Im the meantime they took my money and I want it back.

3. After filing a complaint with the XXXX on XX/XX/XXXX, they are not letting me withdraw my funds out in the amount of XXXX $ and holding my money hostage for no reason. When I try to complete the transaction the system shows a message saying I have no funds available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes to get accounts removed from my report. I am a victim of identity theft since 2007. These negative accounts that are not mine are negatively affecting my credit, and not allowing me to get the loans I need for my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX to get my free annual credit reports. No problems with XXXX and XXXX, but I was unsuccessful with Equifax. 

Equifax asked a series of questions that were totally irrelevant to my credit history. All of the questions asked about transactions I never made and all of the answer options listed companies I have never done business with. When I correctly answered " none of the above '' to all of these questions, I was denied my credit report. Thinking it was a glitch, I started over. The same thing happened the second time. I am concerned that they may have corrupted data in my file, especially considering their recent data breach. I would like this investigated.
Product: Credit card or prepaid card

I had an account through Best Buy with citi bank. I opened the account XX/XX/2016, the account was suddenly closed in XX/XX/2016. I did not know why. I couldnt use the card, I couldnt access my online account and I was denied information over the phone. After a few months, around a year I was able to speak with someone who allowed me to settle the debt over the phone once it hit my credit. I am in the middle of trying to purchase a home but this account is hurting me. They told me this account was reporting late payments just a few months ago. This account was CLOSED in  XX/XX/XXXX, even if the balance hasnt been paid off how are payments late on a closed account? After hours of speaking to customer service yesterday I was told that the owner of the account was deceased. I am not deceased. They told me they closed my account under error and that the account details say Im deceased. They said they would re open the account but I need the late payments removed now so that I can buy a home. 

After all of this, I cant even get a credit card statement from customer service because I am listed as dead. So I can give no proof to my lender. All customer service ended up giving me was an address to mail my situation to. I need this resolved now! Not in 30 - 90 days!!
Product: Credit reporting or other personal consumer reports

XXXX during my recorded conversation with the Discover agent, I made payment Confirmation Number XXXX Amount {$1400.00} to clear my due payment XXXX. 

After this payment was set up and confirmed. The agent then suggested I reroll in XXXX XXXX. Now after months of fighting with Discover over a 30 day late, this would be the single reason Discover does not process my payment. Because I enrolled in XXXX XXXX over the phone with an agent. 

How is my fault? How did the agent on the phone not have the correct information. Now with all the information and letters collected, had I simply said no, my payment would have been processed without. 

Why does Discover not ever reference Confirmation Number XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) & XXXX ( XX/XX/XXXX ) have 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 Unauthorized Inquiries : XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A mortgage lending company pulled my credit without my direct consent.
Product: Debt collection

Between XXXX XXXX of 2020, I started achargebackagainst  a website for a scam that one of their users made. After I started thechargebackwith my bank, I received an email from XXXX that they published my identity with a driver 's license, home address, and telephone number online for starting thechargeback. 



After that, they refused to pay back my money and my bank closed thechargeback. They werent even charged for the amount of {$410.00}, that was the charge I was disputing. 



In retaliation what they did was send this past due charge toKLSFINANCIAL SERVICES without validating the information and without legal proper documentation. 



KLSwithout verification they started calling me and sending me letters collecting {$580.00} from this website XXXX.XXXX, even when thechargebackwas closed, andthey didnt pay for it. 



I called this company explaining what happened, and they did nothing toconfirmand stop the debt collection. 



They are threatening to send this illegal and fake debt to my credit report if I refuse to pay.
Product: Student loan

We received notification this was part of the student loan forgiveness, this was a parent plus loan. It is still showing on my credit report. It should be forgiven with a XXXX balance
Product: Mortgage

Mr. Cooper is trying to raise my mortgage by an additional {$71.00} due to an " escrow shortage ''. I do not have an escrow shortage. I overpaid my escrow during 2024 AND the only change to what is being paid with my escrow is my property taxes increase by {$1.00} THAT'S IT!!! I should not be forced to pay an additional escrow amount when there is NO INCREASE in my taxes or insurance other than {$1.00}
Product: Debt collection

Remove all fraudulent and copyright infringement information from credit reports. I do not consent to use of my copyrighted content. Cease and desist.
Product: Credit card

BarclayCard balance transfer promotion will not show as paid off. I began trying to pay a promotion ending XX/XX/2016 a couple months early. To do this I paid above my minimum payment. In addition to other calls, I spoke with a supervisor XX/XX/2016 at XXXX who assured me it was paid in full. In the meantime, I accepted another balance promotion. Because I did this, they said all payments made over the minimum were applied to the fees. The representative I spoke with XX/XX/2016 at XXXX said the balance was not paid off and that I still needed to pay {$190.00}. Again, in XXXX I made XXXX payments ( {$190.00} and {$100.00} ). On XX/XX/2016 the XX/XX/XXXX statement shows a promotional balance of {$69.00}. Upon calling XX/XX/2016 at XXXX the representative sees XXXX payments in XX/XX/XXXX were received and could not figure out why it still has a balance. She opened a case ( # XXXX ). At my request a supervisor came on the line and again like the supervisor in XXXX, said the promo balance was paid in full. I referred her to the statement and she then stated it was because the statement closed on XX/XX/XXXX. I questioned why this would matter since the XX/XX/XXXX payments posted XX/XX/XXXX & XX/XX/XXXX. Further, I advised the statement indicates " balance subject to interest rate ''. I advised her I have called several times but I am sure they are taking advantage of customers who do not have the time to sit on the phone and wait because when I call I get placed on hold more than once while they " look into it '' and when they need to " get a supervisor ''. Very time consuming. I feel they are taking advantage of some sort of leap hole to charge customers interest fees even after the customer has paid off the balances.
Product: Debt collection

I'm currently working on clearing up my credit issues. I had four debts that were in collections. XX/XX/XXXX I contacted the credit agencies as well as an attorneys office. Somehow two of the agencies claimed that they owe one of the same accounts. Which I don't know how that works or is possible. I made arrangements to make payments for the debts with XXXX XXXX. LVNV Funding and XXXX XXXX as well as XXXX XXXX were on my credit reports. There's an attorneys office and one of the credit agencies that has sued me and has started garnishing my wages for one of the debts that's already been paid. XXXX XXXX XXXX XXXX XXXX XXXX XXXX . as well as LVNV Funding and XX/XX/XXXX I contacted XXXX XXXX as well as LVNV Funding. LVNV Funding is also in association with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as Resurgent Capital Services wouldn't tell me when they acquired the account. XXXX XXXX let me know when they acquired the account which was in XXXX. They all have me going back and forth between them. It's extremely exhausting and frustrating. I don't know what else to do at this point and I don't have money for an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX was hired by me to dispute a charge off with XXXX XXXX on my experian report. It is not almost 60 days later and no response to the letter requesting that debt be removed. It is not mine it is my ex husbands debt XXXX and XXXX have removed it easily. 
XXXX XXXX stayed both experian and XXXX XXXX were contacted and still not response. I have found XXXX XXXX to have handled the entire situation fraudently as the way it is reported is incorrect as well, they have not validated the debt despite repeated attempts. 
Anyhow the debt is required to be removed by experian according to FCRA due to XXXX  ignoring the investigation and it still has not been done. 
My right to buy a home is altered by this company lack of efficiency with handling the matter as the continued disregard to remove keeps going on. XXXX did not respond so remove it!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$420.00}