23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, LVNV Funding LLC added a derogatory mark on my credit report per credit karma. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, LVNV Funding LLC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened up a capital one credit card for XXXX dollars to boost my credit score. I have never used this card, I wanted to keep balance at XXXX. I was informed by capital one the card had a XXXX annual fee, and the card would not be active until it was paid. I have never received a statement for the card by mail or electronic. They finally notified me by phone and told me the fee was ( 3 ) months late, I paid the annual fee, they told me they would wave the late fee 's. I applied for a new home loan and was denied they reported on my credit report ( 3 ) missed payment, it destroyed my score. I contacted them and they said nothing could be done and it would stay on my report until 2026. This will potential cost me thousands of dollars in interest payments. Please stop this attack on consumers and this type of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started the process of rebuilding my credit and notice that I had a five hard inquires, dated from XXXX through XXXX, that I did not conduct. It seems as if someone was trying to obtain several credit cards in my name without knowing I do not have a typical credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit for the first time in 4 years and I saw a couple of accounts and many inquiries that are not mine. These suspicious accounts and inquiries need to be removed from my report. It is fraudulent information.
Product: Debt collection

Hi, I have not knowledge at all of coming into any agreement signed or otherwise with XXXX XXXX XXXX. I'm absolutely sure that this is an attempt to promote an illegal scam, financial or identity theft by XXXX XXXX XXXX that is not licensed to collect payments in the state of New York. Based of the inaccurate data you furnished to my Equifax credit report I would like to know who or which company did illegally shared, stole or sold you my personal private information without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY INFORMATION : XXXXXXXX XXXX XXXX XXXX XXXX : Debt Collector ACCOUNT NUMBER : XXXX COMPANY INFORMATION : COMENITY BANK/ BONTON INVOLVEMENT : Original creditor ACCOUNT NUMBER : XXXX My latest credit report shows two companies on my credit report XXXX XXXX XXXX XXXX the debt collector and COMENITY BANK/BONTON the original creditor. 

I ask that the follow debt reporting be removed immediately from my credit file for false statement/ representation ( trying to collect wrong amount, attempts to collect debt not owed ( debt was, discharged in bankruptcy ) on my XXXX XXXX credit report . 

o Original creditor : COMENITY BANK/ BONTON Balance : {$1100.00} Sold to creditor : XXXX XXXX  Balance : {$1600.00}. 
Charged {$480.00} more than the previous balance from original creditor XXXX XXXX XXXX Invalid date of delinquency statements sent by XXXX XXXX only shown late payments/interests accruing not first delinquency. 

XXXX  COMENITY BANK/ BONTON account sold to XXXX XXXX account opened XX/XX/XXXX Bon-Ton Holdings Inc. During the first quarter of XXXX, The Bon-Ton announced it would be closing XXXX stores in XXXX states, in addition to XXXX stores previously announced. XXXX XXXX XXXX  However, it was not enough to save the company from its large debt. XXXX XXXX XXXX On XX/XX/XXXX, Bon-Ton Stores revealed it had failed to pay {$14.00} XXXX in interest that had been due XX/XX/XXXX. The company entered into a grace period with its lenders. Analysis from XXXX XXXX XXXX XXXX  downgraded the company into selective default, and predicted a bankruptcy or out-of-court restructuring at the conclusion of the grace period. XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX, The Bon-Ton Stores Inc. filed for XXXX XXXXXXXX bankruptcy protection. The company had not made an annual profit since XXXXXXXX XXXX XXXX XXXX On XX/XX/XXXX, it was announced that XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX would bid to save Bon-Ton from bankruptcy. On XX/XX/XXXX, however, the plans fell through because the court ruled the company would not be able to pay a {$500000.00} " work fee ''. XXXX XXXX XXXX  On XX/XX/XXXX, The Bon-Ton announced it would liquidate all XXXX stores after The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX for the retailer and after converting its XXXX XXXXXXXX bankruptcy to XXXX  XXXX. They acquired the inventory and other assets of the company and sold it all off. XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX said all Pennsylvania locations were officially closed, and buildings would be vacated by the next day. XXXX XXXX XXXX XXXX. I shouldn't owe a debt to a company that has closed all physical locations, filed bankruptcy, and liquidated all assets.
Product: Debt collection

I C systems Inc is reporting theses alleged accounts with XXXX XXXX XXXX XXXX XXXX on my credit report and I do n't owe them any money. I returned the equipment to XXXX and received a receipt with a zero balance. I didnt have service with XXXX XXXX XXXX. I C Systems started reporting these alleged accounts on my credit reports with the the CRA 's ( XXXX, XXXX XXXX and XXXX ) without notifying me and continue to verify them after I have disputed them and requested verification of debt from I C Systems. They are in violation of FCRA 1681s-2 ( b ).
Product: Mortgage

I began working with AmeriSave on XX/XX/21, the initial conversations were prompt but they were quick to make me feel pressured to pay the {$500.00} application fee to begin this process. Any time they asked for documents I was responsive and gladly did whatever needed, but I don't feel I got the same in return. There was a distinct lack of communication internally with the company, it was a pretty regular occurrence where one person told me one thing and someone else said something entirely different. From amounts I owed for closing to what was getting paid off, I never got a clear answer from anyone. It wasn't until I read through my entire packet of closing documents that I realized things had really gotten out of control. I called AmeriSave the night before closing for clarity, and thought things were squared away, made the second wire transfer to the title company ( because at this point, three days earlier, I was told I owed less than the closing documents said, in addition to being told that all of my debtors were being paid off, which turned out they weren't ) Despite that, in my ignorance, I signed the paperwork. That afternoon, I realized that second wire transfer got returned back to me. I immediately reached out to AmeriSave assuming they would reach out to the title company, but I was made to feel as if it were my error and my problem to solve with no help from them. Turns out the amount they told me I needed to close was wrong by an additional $ XXXX, which is why the title company rejected my wire. After speaking with the title company, who confirmed they received the initial payment and that I did in fact still owe the extra money, I reached back to AmeriSave to see what caused such a difference and where things had fallen apart. They told me they were waiting to hear back from title to get clarity but when I spoke with the title company today ( XX/XX/21 ) they said they had in fact not heard from anyone at AmeriSave regarding the issue. I ultimately decided I wanted no part in doing business with AmeriSave and wrote them stating that I am cancelling the transaction. That prompted a call from someone I hadn't heard from since the beginning stages trying to man-splain their way out of losing my business, where I again told them I was cancelling the transaction and needed all of my money back.
Product: Mortgage

I purchased a house through the VA 's foreclosure process and have a VA backed investor mortgage. The company servicing my loan is BSI Financial Services. The loan closed in XXXX. I have not been provided with a mortgage statement now since XXXX. I first called in on XX/XX/2021 to request a mortgage statement as I need one now as I'm in the process of refinancing my primary residence and the mortgage company needs a copy. I've now called BSI 7 times. I also created an online profile and there is no mortgage statement showing. I was told the first time calling to allow 24 hours for the statement to show online. It didn't. I called a second time and was told it would be sent via email in 24 hours it didn't. I've been told it would be expedited and clearly it hasn't. The call line claims another department handles it, but won't transfer me. I've asked for a supervisor, but can't get transferred to one. This has been a horrible experience and I've been lied too numerous times and there still is no resolution.

I have paid on time every billing cycle even though no one has sent me a statement. In fact, I'm even enrolled in auto-pay. I thought it was required to provide a mortgage statement. Now, this is going to cost me the opportunity to refinance my mortgage.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. Equifax is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX balance {$1100.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX  XXXX XXXX XXXX Balance {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1300.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXX Balance {$28000.00} ; XXXX XXXXXXXX Balance {$16.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$36000.00}.
Product: Credit card

My flight XXXX hours away from the state I reside was canceled. I didnt find out until the morning of ( the flight was supposed to depart at XXXX ). The airline sent no notice of cancellation to me so I had no time to cancel arrangements in advance. Therefore, I was unable to make my hotel stay that I booked through XXXX. I contacted the hotel and XXXX so I could get a refund or at least stay at a later date. They said that neither were options so I contacted my credit card company to dispute for services not rendered. I didnt even make it to the state the hotel was located in to stay due to the flight cancellation. Now XXXX is calling asking me to cancel the disputes in exchange for {$15.00} worth of credit with them. XXXX is now sending untrue emails when I know the calls are recorded so why lie? I paid almost {$400.00} in total for the hotel stays! I did a spilt stay so one is for XXXX XXXX and one for XXXX XXXX.
Product: Mortgage

According to the Final Escrow Account Disclosure Statement, my escrow balance as of XX/XX/2019 was {$2200.00}. I was told by the original loan servicing company that the funds were transferred to the new loan servicing company on XX/XX/2019. However, as of XX/XX/2019, the funds new loan servicing company has not received the funds. I have made several phone calls to the original loan servicing company, have spent an excessive amount of time attempting to receive confirmation that the funds were transferred, but have yet to receive documentation or proof that the escrow balance was transferred to and received by the new company. As a result, my monthly mortgage payment has been increased by {$670.00}. During my last call to the original company, I spoke to a supervisor who promised to provide me with the requested proof of transfer ( i.e., method of transfer, tracking number, etc. ), by the close of business on XX/XX/2019, but I have received no information, documentation, e-mail or telephone call from the manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm asking that these accounts be removed and block from my credit report. i receive a copy of my credit report and i noticed a handful of accounts and unauthorized credit inquires on my report. i then contacted the 3 credit bureaus because i suspect it to be fraud. none if the account listed are related to any transaction done by myself.
Product: Credit reporting or other personal consumer reports

I am submitting another Complaint to demand that you remove the fraudulent items off of my Credit FIle. I have been disputing fraudulent items on my credit report for some time now, but despite my best efforts, the credit bureaus have failed to address my concerns. I have sent multiple dispute letters and have made numerous phone calls, but to no avail. As a consumer, I have the right to accurate and fair credit reporting, and I believe that the credit bureaus have failed to fulfill their responsibilities in this regard. The fraudulent items on my credit report are negatively impacting my credit score and my ability to obtain credit. I am demanding the deletion of the following items off of my Credit FIle : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : $ XXXX charge off XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX I had a CD with American Express online banking account ending with XXXX that matured on XX/XX/2024. 
I notified them to transfer the money to my XXXX XXXX. The wire transfer did not go through and they told me over the phone that they sent a check to my address on XXXX XX/XX/2024. I have never received that check. 

I waited for several weeks and did not receive the check. I called them countless time. They said to wait to see if the check would show up. 

The check never showed and I called them after that and they said that I had to submit a Stop Payment Form and they would send me one by e-mail and I could complete it with docusign and return it. The form never came. I called again and I received a form by e-mail that had to be completed and faxed to them. 

I completed the form and faxed it to them telling them that I wanted the funds to be wired to the account number that I wrote on the form, not to send a check. This was done on XXXX XX/XX/2024 I called on XX/XX/XXXX and they confirmed that they received the form. And I stressed that they wire the funds to my XXXX XXXX account and they confirmed with me the XXXX  XXXX account number. And they told me they were processing it. 

I never received the money and I called them many times and was told that it was being processed. 

I called again and they hung up on me once when I asked for a supervisor. On XXXX. XX/XX/2024 I asked to speak to a supervisor and they told me the supervisor is busy and informed me that a check was mailed that day even after I told them not to send a check and wire the money to my XXXX XXXX account. I think they told me they sent a check to just get rid of me. 

Today is XX/XX/XXXX and I still have not received the funds in my XXXX XXXX  account nor received the check that they claimed they sent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Phone # XXXX XXXX XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet back in XXXX with my drivers license and social security card in it. I recently tried to apply for a mortgage and theres a lot of unauthorized inquiries and even an account that I did not open. Please delete the following inquiries that I did not authorize. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7100.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have a previous complaint number XXXX. The letter the company put on your website, which was correct, is different from the one the company has in their system. I am also concerned about what is going on with my overpayments, as it is not addressed in this letter. I continue to receive collection calls. The agents and supervisors state there are numerous misapplications of my payments. This has been going on for 6 months. I spend HOURS every month on this and have not been able to get this resolved.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Mr. Cooper for inaccurate and misleading credit reporting related to my mortgage loan modification. 

I was approved for a trial period plan ( TPP ) and subsequent loan modification under the XXXX XXXX Program. I made all required trial period payments on time. However, Mr. Cooper incorrectly reported my payments as late during the trial period, even though I was following their approved plan. 

Attached is a letter from XXXX XXXX Mortgage XXXX XXXX ) confirming that my account was placed in forbearance from XX/XX/year>, to XX/XX/year>, due to financial hardship. XXXX explicitly intended to prevent adverse credit reporting during this period. They are also actively working to correct any errors. 

Why This is Wrong : The Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX states that servicers should not report a borrower as delinquent when they are in a trial modification and making payments as required. 
Mr. Cooper 's own letter states : " Once your loan is modified, you will be considered current on your mortgage. '' This confirms that the late payment reporting is misleading and inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX, credit furnishers are required to report information accurately and fairly. Reporting me as delinquent while I was in a lender-approved plan misrepresents my payment history and unfairly damages my credit score. 
I have disputed this multiple times with Mr. Cooper and the credit bureaus, but they refuse to correct the reporting.
Product: Debt collection

I am TOTALLY and PERMANENTLY XXXX. SINCE 2016 XXXX has been trying to obtain Perkins Loan details from XXXX XXXX XXXX ( XXXX ) in order to write-off {$2400.00} from XXXX University. XXXX refuses to send the write-off info. I am receiving COLLECTION CALLS and EMAIL from XXXX and XXXX XXXX which is a collection agency connected with XXXX and XXXX. I need your assistance to get XXXX ( XXXX ) to email the necessary info to : XXXX XXXX
Product: Checking or savings account

XXXX Amount : {$83000.00} Bank Response :, we restricted your account and may close it soon the check is pay to my business, and the sender is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have mention to the bank about this check before i open the account, and the check was deposited on XX/XX/22, the fund was all availiable on XX/XX/22. 

The bank have put a hold on the account, I have try to solved this issues with chase, but right now, they mention that, they did received the funds, but they need to talk to the sender, in hard for them to contact this university and now that the chase have taking out my funds and holding itself.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX I WAS IDENTITY THEFTED