23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I disputed this collection with Transworld Systems Inc and sent them a copy of the police report I filed with my local department and an identity theft report. Despite doing so, Transworld Systems Inc refuses to remove this collection from my credit reports. From what I've learned, it is a violation of the FCRA for Transworld to keep this fraudulent account on my credit reports after I've notified them that it is identity theft and sent an identity theft report and a police report. They are well beyond the 4 business days allotted by the FCRA as I notified them via phone, fax and email as of XX/XX/2022. They are damaging my personal credit, my reputation & denying me access to any new credit by reporting this fraudulent information on my credit reports. I have again attached the identity theft report and the police report for identity theft for this account.
Product: Credit card or prepaid card

I received a past due notice from Apple Card. I have never had nor do I currently have an Apple credit card. I telephoned the Apple Card specialist and gave them my information. The card has been stopped and now I am reporting it here and with the Virginia Police Dept. I had no awareness of this card until I received the past due notice, post marked XXXX XXXX, 2023. The email address on the card ( as referenced on the card ) is not my current email.
Product: Debt collection

XXXX XXXX XXXX XX/XX/2024 Dent collector : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Collection Activity on Account : XXXX Dear Sir/Madam, I am writing to formally dispute the collection activity on my account in accordance with the rights granted to me under the Fair Debt Collection Practices Act, particularly under section ( c ) regarding the cessation of communication. 

I am exercising my legal right to reject payment of the debt and to request an immediate cessation of all further communication concerning this matter. As outlined in the regulations of the Fair Debt Collection Practices Act, I am hereby requesting that all correspondence pertaining to this debt be discontinued, except for official notification of the termination of collection efforts. 

Your attention is drawn to the circumstances surrounding this disputed debt. While stationed in XXXX XXXX from XXXX XXXX XXXX on XXXX XXXX, I XXXX in an apartment for a brief period of XXXX months Prior to vacating the premises as per XXXX XXXX, I engaged in a final XXXX XX/XX/2024 with the property XXXX who assured me that no issues were noted and promptly returned my security deposit. Subsequently, I was taken aback by unwarranted calls from your agency, coupled with inadequate information concerning the alleged debt. This situation has now resulted in an erroneous entry on my credit report. 

Adhering to the highest standards of integrity, especially as a member of the XXXX, I have consistently honored my financial obligations. It is clear that the actions taken by your agency are in violation of the law cited earlier. Therefore, I respectfully request the cessation of all collection activities associated with my account. 

I appreciate your attention to this matter and kindly ask for a prompt response acknowledging the receipt of this correspondence. 

Thank you for your understanding and cooperation. 

Warm regards, XXXX XXXX XXXX
Product: Credit card

I opened a new store specific credit card with Big Lots, serviced by Comenity Bank in XXXX of XXXX and my first payment was due XX/XX/XXXX. I tried to use the Comenity/Big Lots website/webpage to access my account and was unable to register or access my account. I called the customer service number on my card and the department was closed ( it was after XXXX XXXX XXXX ). I called when customer service was open on XX/XX/XXXX to explain that I was unable to access the site online and requested assistance with the website and my log in ; I made a telephone payment with the customer service agent and then waited on hold to be transferred to a department who could apparently help with the online access. I sat on hold until the line disconnected. In addition, I asked this agent what time of day my payment needed to be made on my due date as often there are cut off times ; I was advised that I can make my payment anytime before the due date ends ( I assume is XXXX XXXX  ), I asked her a second time to confirm, and she confirmed no specific cut off time for payments. 
My 2nd payment was due in XXXX and I ran into the exact same issue of an an inability to access the account via the Comenity/Big Lots website on the day my payment was due which is absolutely frustrating. I then called the customer service number again and asked for help accessing my account ; I was asked by the XXXX agent how I was accessing the site and I advised I was using my XXXX  XXXX with both a safari browser and brave browser. She stated that the site does not work with XXXX products well nor the Brave browser. I advised this was my only point of access ( no computer ) and she said she could not advise how else to fix the issue. I also made a payment with this CS rep for XXXX and asked for a refund of late fees based on these access issues and was advised they could only refund {$15.00}, which they did. 
Now comes my XXXX payment, which I again attempted to use the NEW Big Lots app that I was able to download form the XXXX XXXX. The Big Lots/Comenity card now was accessible via this application. I again tried to register, tried to access my password for an account already created and nothing would work, the app would not send me any verification emails or PW reset emails. 
It appears that Comenity intentionally makes the ability to access payment mechanisms for the credit cards they service difficult and nearly impossible in order to drive profit from late fees.
Product: Credit card

USAA Savings Bank reduced my credit limit to XXXX from XXXX.with no apparent reason. At the time of this reduction my credit score was XXXX and I had a balance of XXXX on the card.more or less and account is current. Do to there reduction my score went to XXXX because I was at 92 % of my credit limit with them. The bank sent me a letter stating several possible reason of witch they did not pertain to me.I called them and asked for an explanation they stated they could not give an explanation that it was in my credit report. 
So i pulled my report and had XXXX banks review it. found no reason for this reduction. I have been a long tern customer and feel this is unfair. They have damaged my reputation unfairly.
Product: Checking or savings account

On XXXX XXXXXX/XX/year>, I noticed I didn't get my direct deposit as I normally do every XXXX, bi-weekly. I discovered that there was an issue with the direct deposits for Capital One via XXXX. I did not receive a notification from Capital One until late Thursday. I have tried to reach Capital One via email and XXXX, but my messages are either left unresponsive or undeliverable. There is no proper explanation for why I can not access my money and no timeline for when the issue will be fixed.
Product: Credit card

I was charged in excess of XXXX XXXX dollars fraudulently. I called and disputed all charges. They reversed all the charges but left out multiple charges in the original dispute, totaling {$100.00}. I was assured all charges were reported, as I had not used the card at all for XXXX  years up until that point, I made it clear that every single charge on every invoice in the past XXXX years was fraud. I only found out they missed the charges when a statement came in and was charged a late fee. I paid {$130.00} ( the original XXXX plus late fees and interest ) to avoid a late payment on my credit report. 

I reported all of this but still have not heard back. My invoice ONLY showed this amount of {$130.00} for my XX/XX/year> statement. 

Furthermore, I got a XX/XX/XXXX statement where almost every charge from the original disputes is now shown BACK on my statement, totaling {$2300.00}. I called a week ago, they told me someone made the mistake of charging me instead of crediting me. I was told it would take XXXX hours to resolve After XXXX  days, I called again and now they are telling me they have to give this to another department. Every dispute was in my favor so I should owe exactly XXXX dollars. 

In summary, I am owed {$130.00} for a payment I made because their representatives somehow forgot to submit a fraud claim on several charges, and I paid late fees and interest fees. 

I won every dispute in my favor for all fraudulent charges. They should have credited my account to the total of {$2300.00}. They instead charged me that amount. 

I have been calling for the past XXXX  months with no resolution in sight, and the payment is due on the XXXX.
Product: Mortgage

I have already complained about this company. Amerihome mortgage. They did resolve one of the payments that they had lost the fund for, but still not the other payment. We have been trying to stay in touch with this company, but have been locked out of our online account since XXXX XXXX, and every time we try to talk to someone we get hung up on. Today XXXX/XXXX/XXXX my husband called twice to once again ask for a full accounting with the debits and credits, but once again were unable to talk to anyone, just got hung up again. The thing is, we did not ask for this company, they bought our mortgage from the previous provider, whom we were happy with. Why are company 's allowed to get away with this? This is my families home, my children 's home. Please help!
Product: Debt collection

We moved from XXXX XXXX XX/XX/XXXX. We notified them in XXXX that we would be moving at the end of our lease due to rent increase. We returned keys in the drop box. In XXXX of XXXX, my brother was called by the company who bought a debt. They made no attempt to contact my husband or I about this debt. XXXX was the first time that we heard of it. When I called them with the number my brother left, they said we owed money to XXXX XXXX for unpaid rent for XXXX, and some damages. She said that blinds were broken ( we had replaced them only a couple months before, due to a notice when we lived there ). That the sink in the kitchen had a leak underneath it ( we had multiple maintenance people employed by them in and out to fix that ) and some other things. I asked why we hadnt received a list in the mail within 30 days of charges, which is Michigan law, so we could dispute them and she said they had no forwarding address. I also asked why we werent called but my family was and she stated no phone numbers. She then emailed me a document from them with our forwarding address on it and our phone numbers listed. Since then they are working with lawyers who will not send us documentation of damages without a written letter, they will not work with us on our disputing of the items that are incorrect ( we dont know what we are being charged of because still no written notice from them ). They told us take them to court and get a lawyer. Also the court papers we received showed they started the filing XX/XX/XXXX the date we moved in.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has the following information on my credit report and it is not correct : States I am know as XXXX have never spelled my name this way Shows an address of XXXX XXXX XXXX XXXX TX XXXX have never lived in TX Shows a collection account from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

Shows an inquiry from XXXX. I did not authorize this.
Product: Credit card

To whom you make concern I have contacted ALL companies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told. 
That these accounts were removed from my credit report.Because they are fraudulent accounts.I have not given no one.My personal information nor have I signed up for anything online. I am a victim of identity fraud. 

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
Product: Money transfer, virtual currency, or money service

I late XX/XX/2022 my phone was hacked. Resulting in my XXXX XXXX  app being hijacked and XXXX of checks deposited, funds transferred to Cash App, XXXX purchased and sent to bitcoin wallet outside of Cash app. After this occured every check that was deposited was returned for insufficient funds. Since i had my XXXX account for so long the checks were immediately deemed good funds. XXXX has found in my favor deeming transactions to be fraudulent and processed chargebacks to Cash app. Now despite many attempts to resolve from XXXX to current asking what the next steps are if i continue to disagree, they have been very difficult to get any help. Cash app is still saying im responsible for the negativr balance of {$5800.00}
Product: Debt collection

Capital one debt was included in my bankruptcy. I owned no property at that time 4 years later I own a house and they have attached a judgement lien on my property
Product: Credit reporting, credit repair services, or other personal consumer reports

I personally sent a Dispute Letter via Certified Mail to Equifax on XX/XX/XXXX. This letter was delivered on XX/XX/XXXX @ XXXX as reported by USPS . I provided all the necessary info needed to dispute this request properly. Today, XX/XX/XXXX, I received a letter from Equifax stating that they verified this account as accurate but did not provide any context on how this was confirmed and verified per my request. Not only do I not recognize this debt in any capacity, but I also noticed that XXXX XXXX XXXX reported this collection account as " unpaid '' and " delinquent ''. With that said, per my legal counsel I have been advised that a collections account is past due by default therefore they have failed to list this accurately. This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and XXXX is required to remove any information that is not true, accurate, compliant, and verifiable. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party.
Product: Debt collection

LVNV FUNDING LLC, Account Number XXXX balance XXXX  I am unaware of this debt, I didnt have opportunity to dispute this information. I did not receive proper notification, if in fact you believe you gave me proper notification then please provide send me the certified receipt with my name on it along with my signature stating that I received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was previously removed by all three credit agencies XXXX, XXXX and experian.There is someone with a similar name as mine and some of there credit items are being reported on my credit report, this item was removed from my report and placed back on my report without my knowledge.I was not notified that this was placed back on my report nor did I received verification or validation that I asked them to send me verifying that this is my account so the account was removed.Then it was later placed back on my report. 
Agency : XXXX XXXX Original creditor : XXXX XXXX XXXX balanceLXXXX   account # XXXX
Product: Checking or savings account

I can't access the new Wells Fargo account I open
Product: Mortgage

I live in XXXX, CA and my loan servicer has changed 4 times and I can not finalize a loan modification. The current loan servicer is Carrington Mortgage Services and they have violated my homeowners rights. My attorney has filed a complaint outlining XXXX causes of action.
Product: Checking or savings account

I am a XXXX  and attend an out if State university that is 1000 miles away from my home of record. I have 2 issues. In the past, XXXX  has charged me for my statements. I am a XXXX XXXX with not a lot of money. They are preying on XXXX. I stopped by and spoke with the branch and they wouldn't replace the money they stole from my account. 

Issue 2 - my debit card was expiring at month end XX/XX/XXXX. I contacted them several times for a replacement. Last time i called they closed my current card down 2 weeks before it expired. I am without a card and no access to my funds as I am out of state with no close branch. They were supposed to ship another card to my address in college in XXXX  and instead they sent it to my home address in XXXX  ( 1000 Mile 's away ). My father who is on the account and I both called them over the weekend and they assured it was shipped to XXXX  and was supposed to be there on the XXXX and showed up in XXXX  on XX/XX/XXXX. They are a horrible bank that preys on the young. Even though they verified both my and my father 's information, they were not very helpful on the phone and refused to confirm where they shipped it to ( they made us say the address and then said yes that is where it went- it did not ).
Product: Credit card or prepaid card

My Wife upgraded her American Express Gold card to a Platinum card. During that process requested an additional card be issued in my name and provided all necessary information such as DOB and SSN to have the card issue. American Express sent a letter denying the request for the card and in the letter it instructs " if the additional card applicant would like to know the reason for our decision or has any questions they can call us at the number below XXXX. '' Twice I have called to find out the reason fr the adverse action taken against me as instructed per the letter. Each time they have refused to give me a reason for the adverse action. I pass every security question that is asked of me, yet they refuse to tell me why they are not issuing me a card.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act this creditor has violated my rights, under 15usc1681 section 602 states I have the right to privacy 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15usc1666b a creditor may not treat a payment on a crediXXXX  card account under open consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

These are a few of the complaints : In XXXXXXXX XXXX XXXX there were a few transactions that I was trying to dispute because I didnt authorize the transactions and there was no help. There was even a mistake by a friend who sent me money by accident and the card took the money before I could refund them. No help on either disputes. So if I encounter an issue no money was ever returned when it was brought to their attention.
Product: Mortgage

XX/XX/2020 In XX/XX/2020 I reached out to WFB for a forbearance regarding my mortgage due to COVID 19. I was 2 months behind on my mortgage at that time. In speaking with the representative from home preservation I was granted forbearance for XXXX, XXXX, and XX/XX/2020. 

I spoke with the same Home Preservation Specialist twice. The first time was to ask for forbearance and inform her I was had late payments. I wanted to know if I'd qualify for forbearance with late payments? The second time was after she checked with management to confirm that my late payments would also be rolled to the back of my mortgage. In the second phone call, she assured me that my late payments would be rolled to the back of my mortgage along with my 3 months of forbearance for XXXX, XXXX, and XX/XX/2020. At the close of the conversation, the Home Preservation Representative said she made specific notes in my file and assured me both times we spoke that my late payments and my three months of forbearance would be put on the back of my mortgage loan.

I was contacted by WFB in XXXX for check-in and offered an extension on the forbearance until XX/XX/2020. 
In my conversation with the Home Preservation Representative, I explained I was 2 months late on my mortgage, and I was told by the 1st.representative that those late payments would be rolled to the back of my loan along with my 3 months of forbearance for XXXX, XXXX, and XXXX. At that time on the phone, I was assured that my late payments and forbearance would be put on the back of my loan for XXXX, XXXX, and XX/XX/2020 aslo. I specifically brought up my late payments with WFB and that home preservation specialist said she saw my notes and confirmed the information was correct. 

On Saturday, XX/XX/2020 XXXX from WFB called and said the investors were looking into my loan and they needed to do a document review and that I was miss informed about putting my last payments on the back of my loan. That I had 3 late payments and to bring the loan current for {$9600.00}, or I had a chance to go into foreclosure and that I was having problems making my payment before the forbearance and that's why the wanted to conduct a documents review. 

I explained my prior conversations with the last 2 Home Preservation Representatives with dates and in my notes it was documented that my late payments would be moved to the back of my loan. 

XXXX confirmed that the notes were in my file I can see those notes and they do say that but the investors said that was a mistake and they dont do that anymore. But I would feel the same way you do if about this. 

I did escalate a complaint with WFB here is my case number XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX XXXX
Product: Checking or savings account

I deposited a check issued by the US treasury department for {$4200.00} into my account with SoFi on XX/XX/year> before the cut off time. The expedited Funds Availability Act requires that funds from checks issued by Treasury be made available on the next business day after the banking day in which they are deposited, however SoFi has placed a hold on my deposit until XX/XX/year>, ( 8 days after the check was deposited ). I have contacted SoFi repeatedly and been told that the bank can do whatever it wants ; that it doesnt have to comply with federal law ; that the bank employee I spoke with was not knowledgeable in federal banking laws and who also refused to provide me with information for the banks legal department. 

None of the exceptions allowed under the XXXX apply, as the check is not over {$5000.00} ; my account with SoFi is not new and is not consistently overdrawn, and the deposit is not the representment of a previously returned item.
Product: Debt collection

XX/XX/year> company provided a false and malicious billing statement setting forth charges that are not listed in rental contact nor can be validated. The charges are false and fraudulent which can be seen in the billing statement. Company is acting in a malicious and illegal manner by listing charges that are false and exaggerated. Debt was challenged with the 3 major credit bureaus whom were provided with this false and fraudulent illegal information. According to the law rental payments can not be reported to credit reporting agencies specifically false information.