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

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Washington, DC XXXX Dear CFPB Team, This is to submit a complaint against BBVA because they have negatively affected my credit score. Prior to XX/XX/XXXX, I had an Excellent credit history and never missed a payment. In XXXX, I submitted two disputes. XXXX  advised that as of the latest update dated XX/XX/XXXX, BBVA has still not removed the late payment statement from my file and they continue to provide the same response. 

BACKGROUND : BBVA offered a balance transfer offer on XX/XX/XXXX, a few days before the COVID-19 pandemic hit. I accepted the offer and the agent informed that BBVA would set up the credit card on the online banking tool to reflect payment amounts and payment due dates. BBVA never set up the information until I called on XX/XX/XXXX to inquire about the account. I was not able to see the paper statements because, when the pandemic hit, I was traveling internationally, and flights were cancelled for a few months. On XX/XX/XXXX, I learned about two missed payments and I paid immediately. BBVA sent me a letter on that same date stating that if I made a payment, they would not report me to the credit reporting agencies. Unfortunately, they did not keep their word, even though I made my payment on that date and reported me to the CRAs. In addition, they revoked the credit card and put it on INACTIVE status. 

A month later, on XX/XX/XXXX, I received a letter from BBVA stating that they could not reissue my credit card because XXXX  had provided them with the following information below. I contacted XXXX  and they informed that this information was INNACURATE and they would contact BBVA immediately to solve this issue. 

1 ) " UNSATISFACTORY CREDIT HISTORY 2 ) " SERIOUS DELINQUENCY '' 3 ) " PROPORTION OF BALANCES TO CREDIT LIMITS ON REVOLVING ACCTS TOO HIGH ''.

4 ) " TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED I have tried to resolve this issue with BBVA, on the phone, via letters and they have not been receptive to my request to remove the " late payment statement '' which was caused because they did not set up the account online. I called them today and neither the Collections Department nor the Customer Service department could help me. I told them that I would need to take legal action and report them to the the FCRA.
Product: Debt collection

I disputed by Portfolio Recovery after receiving a debt collection letter from them. I requested a debt validation letter and mailed it by certified mail with tracking information on XX/XX/2022. I received nothing from them. I received an update on XX/XX/2022 saying Consumer information was verified but that I disagreed on XXXX credit report. They have not sent me anything after the dispute. I have copy of the letter they sent me and the letter I mailed to them. No investigation information or nothing. They just went to credit bureau and they updated it. How is this right? I have a right to receive a validation letter from a creditor according to the Fair Debt Act. Also stated that this was not a refusal to pay on the letter mailed to them. I have copies!
Product: Debt collection

**Subject : ** Formal Complaint Regarding Unverified Debt and Failure to Provide Billing Statements Dear Consumer Financial Protection Bureau , I am filing a formal complaint against midland and XXXX and the XXXX XXXX XXXX for attempting to collect a debt that is not mine and failing to provide proper billing statements to my current address. This debt has been reported to credit bureaus without my knowledge or verification, causing harm to my credit profile. 

Complaint reasons : **Failure to Provide Billing Statements : ** The original creditor, XXXX, failed to send bills or notifications regarding this debt to my current address. As a result, I was unable to address or dispute this matter in a timely manner. 

3. **Credit Reporting : ** The debt has been inaccurately reported to credit bureaus, negatively impacting my credit score and financial standing.

**Relevant Laws Violated : ** 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c : ** Requires that inaccurate or unverifiable information be removed from credit reports. 
2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g : ** Grants consumers the right to dispute a debt and request validation.

3. **Consumer Financial Protection Act, 12 U.S.C. 5531 : ** Prohibits unfair, deceptive, or abusive acts or practices in the financial industry.

**Resolution Requested : ** 1. **Removal from Credit Report : ** I request that this debt be removed from my credit report immediately.

2. **Cease Collection Activities : ** I request that all collection activities related to this debt cease until the matter is resolved. 

Thank you for your attention to this matter. 

Enclosed is 2. Proof of current address-
Product: Debt collection

Diversified Consultants called my employer before the open of business about a XXXX XXXX  bill that I have no knowledge of. It is not on my credit report and I do not know why they call me. The representative was very rude and I asked her do not call my job again or me because I have no knowledge of this.
Product: Credit card or prepaid card

On XXXX XXXX, 2017 I used a transfer balance check for the amount of {$6600.00} USC. to pay out A credit card from XXXX XXXX XXXX XXXX never receive that check ... So now this company posted the whole amount in my account and dont want to credit or reimburse me that transfer Balance that I never use, perhaps I have the balance of {$6600.00} USC. In both accounts .... since XXXX XXXX, 2017 I open many cases and investigation with no results, I spoke to different supervisors to try to resolve the problems but they given me the run around.. Its been almost 5 months since this incident and still nobody has giving me any solution to this problem, its a shame that such of big company has so poorly customer service.. My credit report dropped 50 points because of this incident and all they keep saying is we sorry but no actions..
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet and I have these inquires on my report XXXX XXXX  XX/XX/XXXX This was an unauthorized credit inquiries XXXX XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX XX/XX/XXXX This was an unauthorized credit inquiries XXXX XXXX XXXX/XXXX/XXXX This was an unauthorized credit inquiries Equifax Mortgage XX/XX/XXXX, XX/XX/XXXX This was an unauthorized credit inquiries
Product: Credit reporting or other personal consumer reports

I am experiencing unauthorized student loan payments being withdrawn from my bank account and incorrect credit reporting by XXXX. My loans were supposed to be XXXX per a letter from XXXX XXXX XXXX, yet XXXX has continued to process automated payments that I did not authorize. 

Additionally, XXXX has reported me as delinquent to the credit bureaus, but when I contact them using the last four digits of my Social Security number, they claim that they can not locate an active account in their system. 

I have screenshots of my bank transactions showing payments withdrawn by XXXX, as well as my letter from XXXX XXXX XXXX confirming the discharge of my loans. I am happy to provide these upon request.
Product: Debt collection

I'd recieved a call from number XXXX, there was no message left and the call disconnected before I could answer - this call came at XXXX XXXX  the XXXX  after I'd contacted my XXXX XXXX representation. The VA XXXX assured me my medical debt was cleared and I have no outstanding bills, it'd seem like the debt collector isn't doing things on the level and someone is trying to scam military vets. 
After I'd spoken with the VA XXXX  about HRRG sending me a letter saying that I have an outstanding medical debt, the VA representative said that the account the debt collector was referencing was paid a d closed in XXXX, but I've received letters and constant robo-calls from people threatening me with legal action. My debt was sold to HRRG was by XXXX XXXX XXXX And HRRG sent me a letter in XXXX saying my debt would be forwarded to ARS Account Resolution - another branch of HRRG. This shouldn't be possible since the VA confirmed that charity care was applied to cover that balance in XXXX. I'm asking please put an end to the calls and letters being sent since the balance was paid and I'm absolutely upset that the first Monday morning I'm called by debt collectors when just last Friday I'd had two VA reps verify that the claim was no longer open since the debt was paid. There's something strange about XXXX XXXX calling and hanging up before anyone has a chance to answer and I'm not going to call back in the event that they'll try phishing for personal information.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payment Charge for XX/XX/year> To Whom It May Concern, I am writing to formally dispute the late payment charge applied to my XXXXXXXX XXXX XXXX account for the billing period of XX/XX/year>. Pursuant to 15 U.S.C. 1666b, which governs the timely crediting of payments, I believe the late fee was assessed in error. 

Federal law requires that payments be credited to an account on the date they are received, provided they meet the creditors reasonable payment requirements. My payment for XX/XX/year> was submitted in compliance with these requirements and should have been credited promptly. Below are the details supporting my claim : XXXXPayment Submission : I made my payment on XX/XX/year>, which was prior to the due date of [ XX/XX/year> ]. Enclosed with this letter is documentation of the payment, including [ proof of payment, such as a bank statement, payment confirmation email, or screenshot from your online banking system ]. 
XXXXTimely Crediting Requirement : Under 15 U.S.C. 1666b, creditors are obligated to promptly credit payments received on time. If there was a delay in processing my payment, that is XXXX  responsibility, and I can not be penalized for it. 
XXXXCompliance with Reasonable Requirements : I followed all reasonable payment instructions provided by XXXX, including [ examples, such as mailing the payment to the correct address or using the designated online payment system ]. If there were any unclear or unreasonable requirements that delayed the crediting of my payment, this also falls outside the scope of what can legally result in a late fee. 

Given that my payment was made on time and complied with all reasonable requirements, I respectfully request that the late fee and any associated interest charges for XX/XX/year> be removed from my account. 

If you disagree with my position, I ask that you provide documentation showing either ( a ) that my payment was received after the due date, or ( b ) that I failed to comply with reasonable payment instructions. Absent such evidence, I trust you will resolve this matter promptly in my favor. 

Thank you for your attention to this matter. I look forward to your response. 
Respectfully XXXX XXXX XXXX without prejudice
Product: Credit reporting or other personal consumer reports

I have disputed these collections and multiple times with Experian, and they kept ignoring my requests. So, Im filing a complaint against their company as they are not taking my credit seriously and this is affecting my creditworthiness. Again, I recently reviewed my credit report and noticed several collections. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive collections and they need to be removed immediately See Attachments ID Is attached to prevent several stalling letters
Product: Credit reporting, credit repair services, or other personal consumer reports

I received results of an investigation from XXXX  on XX/XX/2019. They failed to remove derogatory items from my credit. I am frustrated because the same thing happened with the other two credit bureaus as well. I am frustrated because I thought that I followed the proper procedures in filing a police report and disputing the items that were identity theft. I have no control over what someone has done in my name but I am doing all that I can to get my credit back together. It's not fair that someone can take advantage of me and use my name and the credit bureaus ( XXXX Experian, and XXXX ) fail to do their job in deleting the items.
Product: Credit reporting or other personal consumer reports

I am formally requesting the removal of late marks from the following accounts in my credit profile, as they are inaccurate and misleading. According to the Fair Credit Reporting Act ( 15 USC sections 1681i ), you are required to complete your investigation within 30 days. Failure to do so will constitute a violation of the Act and may prompt an investigation by the Federal Trade Commission. The accounts in question are : Experian : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} ======XXXX : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} ======XXXX : XXXX XXXX  XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00}. Additionally, please provide proof that these accounts legitimately belong on my report and ensure my rights have not been violated. If no such record exists, please update the inaccurate information immediately.
Product: Checking or savings account

On XX/XX/2018 sister transferred {$100.00} to checking account. On XX/XX/2018 {$100.00} transfer deposit was pending and {$110.00} funds were now available. I went to branch on XX/XX/2018 where teller checked account balance showed {$110.00} funds were now available. I withdrew {$100.00} from checking account. Wells Fargo Bank delayed deposit of {$100.00} until XX/XX/2018. Wells Fargo Bank charged account {$35.00} service charge on XX/XX/2018. I requested {$35.00} service charge be reversed. Wells Fargo Bank refused to reverse {$35.00} service charge
Product: Mortgage

On XXXX XXXX, I received a letter from Wells Fargo stating that I must have flood insurance on my loan because XXXX has determined that my home is in a XXXX XXXX  I called my insurance agent to inquire about XXXX insurance and the agent informed me that my current insurance policy has XXXX insurance and it is stand on home owners insurance policies for manufactured home like mine. I made several calls to Wells Fargo to try to get the issue resolved and after speaking to several representatives, I thought the issue was resolved, but on XXXX XXXX I received another letter from Wells stating that they were cancelling my escrow account covering flood insurance at my request and that I would be liable to pay my entire loan balance plus the cost of the floor insurance as a result of my request.I never authorized any escrow account for flood insurance and I fell that this is another attempt by Wells Fargo to intimidate me and try to take my property from me and this is an ongoing tactic that Wells Fargo is using to scare me and harass me in a way that causes me mental anguish because I have filled complaints against them in the past.
Product: Vehicle loan or lease

Dear Consumer Protection Bureau, I am writing to inform you of the harassing phone calls that I have been receiving from LGM Finance Auto. Despite my attempts to resolve the issue, this corporation has continued to call me excessively, exceeding the allowed seven calls per day and even calling me 5 to 8 times per day. These calls have been ongoing since XX/XX/2023. 

Additionally, the amount owed to LGM Finance Auto is {$1700.00}. While I understand my responsibility to pay this debt, the excessive phone calls are unnecessary and unproductive. 

As a consumer, I believe that I have the right to be treated with respect and dignity, and the constant barrage of phone calls has caused me undue stress and XXXX. I have tried to communicate with LGM Finance Auto and have requested that they limit the number of calls to a reasonable amount, but they have continued to ignore my requests. I believe that this behavior is in violation of the Fair Debt Collection Practices Act and warrants your attention. 

I hope that you will investigate this matter and take appropriate actions to protect consumers from such harassment. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Hello, In XX/XX/XXXX after the fall of the Mortgage business, my second mortgage loan was charged off by the servicer XXXX due to my bankruptcy filing in XX/XX/XXXX. After being unemployed for XXXX years, I was no longer able to keep my BK payments of {$2500.00} per month and my chapter XXXX was dismissed but not prior to my unsecured debts being charged off in bankruptcy. I then request that my XXXX mortgage loan be modified by Litton Loan. However, Litton Loan Servicing company was closed down at the end of XX/XX/XXXX and my loans were transferred to Ocwen Loan Servicing. Ocwen modified my first loan and invalidated my second mortgage. I have been paying on this modified loan now for over 4 years. I am now being contacted by XXXX XXXX, a collection agency, in an attempt to collect on the charged off XXXX mortgage debt under the name of Ocwen Mortgage. Ocwen Mortgage said that they have nothing to do with that debt. I 've asked both Ocwen and the collection company for the name of the investor they are collection payment for and I can not get an answer. The leins are recorded in the name of XXXX Mortgage, the company that fund my mortgages, however they filed chapter XXXX bankruptcy in XXXX and the bankruptcy case was closed in XX/XX/XXXX. I have attempted to contact XXXX Mortgage with out any success. I have also contacted the trustee that handled the bankruptcy and they have no contact information. Through MERS I found the investor listed on my first mortgage as XXXX Bank as Trustee for XXXX Mortgage and the second was listed as XXXX XXXX XXXX for XXXX Mortgage. I contacted B of A and they could not find an active account for the second mortgage and was not able to help me any further. If the debt of the second mortgage still exhisted in the name of Ocwen, why was this not address at the time of the loan modification. I do not have proof that either Ocwen or LCS Financial has any rights to collect on my mortgages and I am asking that they prove that they have the right to collect on these debts. 
Thank you, XXXX
Product: Debt collection

Case # XXXX On XX/XX/year>, my XXXX XXXX bank account with a balance of {$1600.00} connected with my dad, XXXX XXXX XXXX, XXXX, for years now since leaving for College, was levied along with his. All of my money was gone with a day left to pay my rent which was included in that amount. While I understand that my being connected to him at the time of the legal order is a thing, I do not think it should be ethical or right that my money should be taken into this situation that had nothing to do with me. I am pleading that something is done to get my money back to me somehow some way because I have no connections to the loan payment nor will I be the one paying the loan back since it is his loan that I had no knowledge of. I have bills to pay and I have never been late on any of my bills so I would hate for it to be on the account of this that I run behind on my payments. Ive been on the phone and have talked to someone by the name of XXXX at Lloyd and McDaniel XXXX XXXX and she said he would have to pay the money back which he will be working on doing that but as for me, I should be exempt from this situation. Is there ANYTHING anyone can do to remove me from this situation and having my money returned to me.
Product: Credit card or prepaid card

In the first week of XXXX, I received a text from the Home Depot card fraud dept, asking if I've made a purchase for over XXXX. I said no and the fraud dept immediately called me. They advised another purchase for XXXX was approved the day before. After telling the dept. I was not at that store, did not approve or make that purchase and gave no one permission to do so, they closed the account, issued a new card and removed the balance from my account. They supposedly did an investigation and said I'm responsible for the charges. 
During the time these charges were made, 2 other card accounts I have were compromised. Both those accounts, one of which is also owned by Citibank as the home depot card is, removed the charges from my accounts and found me not responsible. Someone had also manipulated my identity, using a driver 's license photocopy with inaccurate expiration and issued dates to rent equipment from a rental facility I've never heard of. I was cleared of responsibility for this transaction as well. I have filed an identity theft police report with all this information included, froze my credit reports and had a fraud alert placed on all my credit reports as a result of this activity. Although I had paid off this card and not used it in quite some time and supplying all this info to the card company, they have refused to actually investigate and clear me of responsibility. I know my signature is not one that made a purchase, I'm also certain the stores security cameras knowing the exact time and date of the purchase, would prove it wasn't me while also identifying the people responsible for this crime. I feel the home depot branch of citi cards has been negligent in fulfillment of their obligations to ensure consumers are protected in their stores and in their investigation of fraud in my situation.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I discovered that someone within Coinbase had made several unauthorized transactions on XX/XX/XXXX. I was shocked because my account balance just dropped {$1200.00} while the Bitcoin is still going up and I did not do any transactions in my account. The balance should be {$6200.00}, not $ {$4900.00}. It appeared that they had sold my positions in Bitcoin and Ethereum and used the credit to purchase other Altcoin positions of cheaper value. They even accessed my linked checking account to pull additional funds for these purchases. I emailed their support team to refute the transactions and my account was immediately disabled on XX/XX/XXXX. I then contacted my bank to complain about the unauthorized access to my account and they reversed the transactions and returned the funds. I changed all my passwords and user names as instructed by the Coinbase support guidelines and attempted to re-access my account. The next Coinbase email I received instructed me that it would take 9 business days to re-activate the account. On XX/XX/XXXX, I received an email from Coinbase saying " Funds recovery complete '' Sign in to Coinbase but the reset passwords link to sign in are not even working. Over the next few days, I received some robotic emails with a link instructing me to furnish additional funds to the account in order to re-activate it. Instead, I responded with the original complaint about the unauthorized transactions and requested that they restore all my original positions in Bitcoin and Ethereum along with my access so that I could continue trading. I have not received any further response and now my emails are getting bounced back stating the email address I was replying to doesn't exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting agency is knowingly reporting fraudulent items I have sent experian credit reporting agency all documents in order for them to remove such items. The furnisher of the information has provided to documents to experian yet experian is reporting fraudulent items.