23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am receiving letters and telephone calls of harassment, obscene and profane language, violence, harm and death from LVNV Funding/Resurgent Capital Services Debt Collector Representatives in regards to credit card accounts from XXXX XXXX XXXX which the debt was the result of identity theft. I sent a Federal Trade Commission identitytheft.gov form to XXXX XXXXXXXX XXXX  and LVNV Funding/Resurgent Capital Services , but I continue to receive letters, court documents and telephone calls of harassment, abuse, obscene and profane language, violence, harm and death from Resurgent Capital Services Debt Collector Representatives . Resurgent Capital Services has violated and in violation of the Fair Debt Collection Practices Act ( FDCP ) under federal law.
Product: Debt collection

When I made the initial payment arrangement I did not receive a statement of the debt or a settlement letter/ payment schedule. 
I received a letter XX/XX/XXXX stating the office was open again and could call to have questions answered and/or apply for Covid relief.

I attempted to obtain my amount owed over many months, my calls or messages were ignored. I was never told my debt balance after the office closed due to COVID-19 following my initial calls to request the information in XX/XX/XXXX. 
I made a payment and continued to attempt to contact, I submitted yet another payment in XXXX, and still had not been contacted or was able to contact the office. On XX/XX/XXXX I called again and finally reached the office it was at this time they informed me they cancelled the agreement because the XXXX payment did not process their website ... The had not attempted to contact me in anyway, and I did not receive my monthly notice, with the payment information. 
Bottom line, they refused to contact me and refused to inform me that the payment did not process before voiding the agreement. They refused to honor their statement of being available for questions or COVID relief. 
It appears they were waiting for an excuse and for all I know their internet payment server was down when I made my payment! BUT THEY ABSOLUTELY REFUSED TO CONTACT ME, even after I reached them and they promised a call back within an hour they still didn't call to give me the requested information.
Product: Credit card or prepaid card

BBVA Compass Visa Credit Card As of XX/XX/2018 they removed the ability to pay online as I have done for many years before. I contacted customer service XX/XX/XXXX, speaking with XXXX for an hour with no resolve. Contacted them again on XX/XX/XXXX for another hour with no resolve. 
On XX/XX/XXXX went to a Branch Office, only to find that they had my profile all wrong, wrong info on everything. I was informed by XXXX XXXX I would be contacted on what would be needed to conduct business with them. After several weeks, I contacted him only to find he was on vacation. On XX/XX/XXXX, I went to another Branch Office and met with XXXX, she tried to get everything done however no follow up with no results. 
Made a payment with the teller at this time. On XX/XX/XXXX, I went back to the Branch Office, XXXX was out to lunch, spoke with XXXX a teller to see what we could do and to see if any transactions had been reversed as requested. She tried to assist with the Banking App, and had also informed me that transactions were reversed, but was unable to complete with the banking app. I also noticed at the time when setting up the App they had multiple accounts showing which were not mine, one with a $ XXXX credit line. This indicated to me they had not corrected my account profile issues from XXXX. On the evening of XX/XX/XXXX, I attempted to logon the BBVACompass webpage, only to find no payment history, no transaction history, what a way to run a bank. I'm going to return on XX/XX/XXXX to make a payment with severe reservations, I feel that any and all interest charges for these 70 days should be credited back and all records be corrected ASAP. I'm prepared to stop payments completely until it is corrected.
Product: Debt collection

Making harassing telephone calls but will not disclose any information about the debt when requested. Would not verify debt origination by phone nor by written communication. Just stating a debt is owed.
Product: Credit reporting or other personal consumer reports

I provided written notice to XXXX XXXX XXXX XXXX expressing that I wish to exercise my right to opt out of the sharing/reporting/sale of my non public personal information as it violates my right to privacy. 
See, Auto loan : XXXX, Account Owner : XXXX XXXX XXXX , Principal balance : {$9400.00}. It is being reported to non affiliated third parties and I am requesting that such information be removed for these non affiliates, database. These non affiliates have stored this information shared it inaccurately, and have sold it. It has been reported incorrectly on my consumer reports with multiple different reporting agencies, and I now request that the CFPB preforms in its duty, to enforce my rights as a consumer. Per, 15 U.S.C. 6801-6805 and, 16 CFR 313.7 I am aware, You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 
I am aware of, Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
I am also aware of Duration of consumer 's opt out direction. A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 
Let this serve as notice of my request for OPT-OUT.
Product: Vehicle loan or lease

This is a second request for your company to comply with GA law.Specifically, I am requesting the certified mail tracking number or any other documentation that shows the certified notice was sent to me within the 10-day period following the repossession, as outlined by XXXX. XXXX. If you are unable to provide this proof, I believe that the repossession notice was not sent in compliance with Georgia law, and as such, I request that the account be deleted from my credit report. Also, in your response letter your reference having had an " amicable '' conversation. I have a screenshot of that call lasting only SECONDS! If the USPS certified tracking number that is required by GA law is not provided to me, or the account is not deleted, I will have no choice but to turn this matter over to a consumer attorney along with your CFPB response and proof that there was no " amicable '' conversation. I'll also ask my attorney to subpoena your phone logs as confirmation. Do not attempt to call, text, or email regarding this matter. Do not advise a third-party to do so either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was told by Navient Corp that my loans were in forbearance but Navient proceeded to report late payments for 90 days from XX/XX/XXXX-XX/XX/XXXX. Loans should have never been in forbearance and should  have had a grace period starting in XX/XX/XXXX ( year I graduated ). 

Now I also just paid off my last loan balance and Navient for some reason charged me an additional {$97.00}. This needs to be refunded back to me as soon as possible.
Product: Checking or savings account

I was scammed from a merchant for a total of {$9000.00}. Ive contacted Navy Federal multiple times to receive a refund. Ive presented all of the documents that was requested, including an email stating that I will be getting a refund. I never gotten a refund from the merchant nor my banking institution, its a total of three months and I have been fighting and waiting to get this issue resolved and refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters to XXXX, XXXX, and experian I have sent an follow up letter and I have not received an response from any of them and it has been past 30 days. This has caused an adverse effect on obtaining financing or obtaining a job. Please find attached letters sent to all 3 credit bureaus
Product: Credit reporting or other personal consumer reports

Yes I sent in certified letters to the credit bureaus to show nanocuries on my report. They sent me multiple letters stated it was verified. Then I sent in verifications letters telling them they needed to prove how the debt was verified. They did not do this and they are violating consumer law and these accounts now must be removed. My next step is a lawyer if they no longer comply. One account was removed from my report for this reason so the others need to be removed as well. 

The following accounts are : XXXX XXXX XXXX account number XXXXXXXX XXXX and XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX
Product: Debt collection

My identity was stolen back in XXXX. Navy Federal Credit Union ( Acc # XXXX ) was open back in XXXX for {$8400.00} which was fraudulent. I spoke to XXXX on XX/XX/XXXX at about XXXX XXXX. I requested the application from Navy Federal CU with my signature and they stated that they don't have one on file to provide. Also, I was never any part of any branch of the military. I've been disputing this account for several years. This has been affecting my personal and family life. I am demanding for this account to be removed now from all bureaus. I've also provided all information requested by Navy Federal CU to help with is matter.
Product: Debt collection

I recently discovered a collection on my credit report from Enhanced Recovery Corp. Unfortunately, I received neither a copy nor notification from the company informing me of this debt. I understand that under the Fair Debt Collections Practice Act 809 ( a ) states : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ... I was not made aware of this debt until I saw it on my credit report. I have had no debt notices from the company fulfilling the requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Equifax send me the method of verification that they used to verify the inaccurate XXXX XXXX XXXX account they claim was investigated. The dispute was opened and then closed and I didnt get any correspondence from them. I dont owe XXXX and I want it deleted from my profile.
Product: Credit reporting or other personal consumer reports

BRITE FINANCIAL SERVICES is reporting an incorrect Autolease onto my credit report that is showing an inaccurate balance amount without my approval. The balance has been satisfied in XX/XX/year> but was not updated on mt report. This issue is really hindering my report, and I will like for it to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I got an alert today stating that I had a new account on my credit report from XXXX XXXX XXXX for a medical debt from a hospital in XXXX New York. I have never been to an emergency room in any state let alone New York. I have never done business with this hospital and this debt is not mine. This debt is either being reported as a mistake or a result of the ongoing identity theft but regardless this debt does not belong to me. I was asked by the credit bureaus to send in an updated FTC identity theft affidavit for this specific collection account which I have done and submitted to the FTC. A copy of the report which was filed with the FTC is attached to this complaint.
Product: Credit reporting or other personal consumer reports

Experian 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, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian 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 Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

I have a used auto loan with PenFed Credit Union. The loan was paid in full and the check has cleared the bank on XX/XX/2022. However, despite numerous calls and emails to PenFed with copies of the check showing it has cleared the bank, they still show it as outstanding. They are still sending me collection letters as well as not releasing my title to the vehicle. I am exhausted. I have tried everything to get this cleared up on my end. I have even reached out to their collection department and they also see notes and a copy of the check in their system. The check has our loan number clearly printed on the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian.com leads you to believe they have a basic service that has no fees. I was hit with a fee, {$21.00}, and canceled the membership online in early XX/XX/2018. Experian pulled another month 's fee in XX/XX/2018 and I've been unable to connect with customer support to reverse this second fee. The website directs you to an automated service that does not allow you to question the fee or file a complaint directly with the service. 

My member number is XXXX And the transaction appears below in my statement. 

XX/XX/2018 Experian* Credit Report {$21.00} SUBSCRIPTIONS & MEMBERSHIPS Post Date : XX/XX/2018 Transaction Date : XX/XX/2018 City/St : XXXX, CA Zip : XXXX Country Code : US Category : Subscriptions & Memberships Transaction Code : 05 Reason Code : 00 Transaction Type : Purchase Original Amount : {$21.00} Original Currency : USD XXXX XXXX XXXX XXXX Description :  Continuity/Subscription Merchants Merchant ID : XXXX Originating Account # : -
Product: Credit reporting, credit repair services, or other personal consumer reports

I really don't have much to say! I am just extremely frustrated with you all. I have reached out countless of times about the inaccurate item that is being presented on my credit report and I have been ignored. Nevertheless I will seek litigation if this continues. I have provided countless and countless of information proving that the accounts do not belong to me. This item has been destroying me and my family hopes of purchasing our first home. I am a single parent that has been XXXX for years and saving up to provide my family the life I never had! Please remove this inaccurate item or I will seek litigation for each violation immediately!
Product: Debt collection

I have repeatedly requested that Portfolio Recovery Assoc provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Prepaid card

My biweekly recurring direct deposit from my employer normally hits Tuesday, by XXXX. Nothing was deposited and my balance is reflecting XXXX. I coordinated with my payroll and they confirmed it was sent, but after waiting on hold with Rushcard for XXXX minutes they advised my deposit was n't reflecting. This is a major hardship for me, for I am a single mom, flying with XXXX wing, and my son is a full time college student and tuition fees do not have any grace period, nor does my other bills in promised to pay today. I pay my bills in increments of XXXX, versus in full at the top of the month, due to making less then the cost of my total bills. The company has taken ownership of the technical issue, but has neglected to resolve it and grant me access to my paycheck. Please help!
Product: Checking or savings account

On XXXX XXXXXX/XX/2024, I wrote a check in the amount of {$3000.00} to the XXXX XXXX XXXX to secure a burial lot for my recently XXXX  XXXX At the time, there was approximately {$18000.00} within the account. XXXX days later on XXXX, XX/XX/2024, I wrote a check in the amount of {$14000.00} to XXXX XXXX... again for the burial expenses for my mother. Everything appeared normal and both checks were submitted and cleared on XXXX XX/XX/2024. 

On Monday, XX/XX/2024, I purchased a headstone via an over-the-phone transaction in the amount of {$530.00}. To ensure the transaction had been processed, I viewed my account online and noticed that it had. However, I also noticed that the XXXX checks that had been posted recently were reversed to a " pending '' state. I immediately called Customer Service at XXXX at XXXX XXXX. They advised me that since the transactions were pending, I would have to wait until XXXX the following morning to determine how the pending status was resolved. At almost the same time ( XX/XX/2024 at XXXX ), the Wells Fargo Fraud Detection team was attempting to call our mobile contact numbers. My wife received a cryptic message that sounded like spam and the Wells Fargo number that attempted to call me was blocked by XXXX 's XXXX XXXX. No contact was made, and the checks were reversed ... resulting in additional fees to both the XXXXXXXX XXXX XXXX and XXXX XXXX XXXX. 

Since then, there have been a number of escalations and complaints filed. XXXX suggestion from Wells Fargo Fraud Detection team member was that I simply just write new checks. How likely are these XXXX vendors going to be to accept another check... especially given they now have fees associated with my original checks? I have also been told by both Customer Service and Fraud Detection that this happens quite frequently. No contact was made prior to the reversal ... no email notifications made ... no alerts provided online or my mobile app ... and customer service was not aware of the alerts when I called only an hour after Wells Fargo attempted to contact me.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint to Remove Late Payment from Credit Report I am writing in response to your recent communication dated XX/XX/scrub>XXXX  regarding my previous dispute. Despite your assertion that everything is accurate, I must insist that the information in question remains incorrect, and there is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). FCRA Section 611 ( 15 U.S. Code 1681i ) As per Section 611 of the FCRA ( 15 U.S. Code 1681i ), I am exercising my right to dispute the accuracy of this information.

I request that you investigate this matter and remove the incorrect late payment entry from my credit report. FCRA Section 623 ( 15 U.S. Code 1681s-2 ) Additionally, according to Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ), information furnishers are required to provide accurate information. The creditor, XXXX XXXX XXXX, has failed to meet this obligation by reporting a late payment that did not occur. Therefore, I request that you promptly contact XXXX XXXX XXXX to verify this information and correct my credit report accordingly. It is your legal duty to verify this information with the original creditors and delete or correct any unverifiable information within the 30-day timeframe. However, since it has been over 30 days since my initial request and no corrections have been made, I am giving you a final deadline of 15 days to resolve this matter. 

XXXXXXXX XXXX XXXX XXXXXXXX Date of Incorrect Late Payment : XX/XX/year>
Product: Student loan

I have a loan with CAMPUS PARTNERS. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX  Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Product: Mortgage

On XXXX XXXX, XXXX we applied for a shortsale on our home as an alternative to foreclosure. After the bank did there bpo, and appraisal they want a price for the home that was too high and wasnt a true market value. After marketing the property for some time with a realtor we finally got a offer once they reduce the price and had another bpo and appraisal done ( 8 months later ). While marketing the property and maintaining it we received an offer in XXXX XXXX and submitted it thru the equator system. We alos received in the same month a foreclosure letter saying that the property was scheduled to be foreclosed on XXXX XXXX, XXXX. In accordance with Cfpb laws a bank is not suppose to have a scheduled foreclosed date when a homeowner has provided the necessary document 37 days prior to foreclosure when they are trying to work out an alternative to foreclosure. During the same month that we provided a contract we received a foreclosure date. In addition we received an email from the equator system in XXXX XXXX saying that the bank was now denying any shortsale proceddings. Not only were Nationstar actions unlawful in accordance with the cpfb laws but they were misleading and costly to myself, the listing and selling agent, the real estate companies, the attorney, the negotiators and others.
Product: Debt collection

There is a small debt from XXXX XXXX for {$89.00} that has been on my credit report. I never signed up foXXXX XXXX XXXX  so I over looked it not being credit literate. After going through my credit report further. I found that XXXX  XXXX charged off the debt to a debt collection company by the name of LVNV FUNDING LLC for the amount of {$110.00}. I tried to remove LVNV FUNDING LLC and XXXX  XXXX for years on all 3 Credit bureaus XXXX, XXXX and XXXX XXXX. Letting them know this is not my debt and if they can please remove it. Nothing is ever resolved and I just tried again and they have not deleted it but its posted as an open account on my credit and I would like it removed please.