23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a medical bill with University of XXXX XXXX XXXX. First they did not correctly bill both of my insurances. I am not sure they have to this date. Second, I notified them I qualify for financial assistance under the IRS Section 501 and sent my income information to the business office. They turned this over to a collection agency GLA collection. I sent the same notifications to both XXXX XXXX XXXX and GLA on multiple occasions and they have reported this on my credit. Damaging my credit. Despite my repeated letters they have not attempted to resolve this. I gave them permission to speak to my mother in law XXXX XXXX. They never contacted her about this ( I am in XXXX and work ). They have been sent cease and desist letters but continue. The hospital has failed to process my financial assistance as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need these items deleted from my credit report : XXXX XXXX XXXX, XXXX  XXXX. Inquiries : XXXX  XXXX XXXX  XXXX, XXXX  XXXX XXXX & XXXX XXXX  I have contacted my local police and the FTC. I am doing this on my behalf.
Product: Credit card or prepaid card

Attempted to make a $ XXXXXXXX purchase with a newly received credit card from Capital One. While at XXXX XXXX the credit card was declined. While calling capital one it was told to me it was a fraud prevention block because of the dollar amount. I contacted and verified the amount. The representative with Capital one had XXXX XXXX try it 4x and still no luck. I called again after work and waited on hold for 12 minutes before being hung up on. It was then explained they placed the card into another fraud tier that required a new card be sent out. No correspondence at all to me. When calling and talking to supervisor XXXX employee no. XXXX he had horrible customer service and could not explain the fraud or why I was getting another card. I applied for this card for the points and every purchase that gets me closer to my points is declined. They are unable to fix my points or rectify the horrible customer service. I would have went with the XXXX card had I known.
Product: Credit reporting or other personal consumer reports

1. In my previous complaints I was very specific about what happened, XXXX transferred my mortgage on XXXX XXXX. 
2 My Forbearance the remainder of my forbearance was paid by XXXX to XXXX save on XXXX XXXX XXXX. XXXX reported my mortgage 30 to 90 days late while I was in forbearance. 
4. XXXX reported that I opened a new mortgage with hem, when in fact the same mortgage was just transferred from XXXX to XXXX. 
5. XXXX  fraudulent, unprofessional, deceptive and illegal practices ' have caused great damage to my credit score by dropping it over XXXX points. 
6. Am I the only customer that requested a hurricane XXXX forbearance? 
7. Why me? why the great maltreatment?, why the run around? Is there a greater deed behind it all?
Product: Credit card or prepaid card

American Express customer service is beyond horrendous, the way they constantly talk over you and ignore every word coming out of their customers mouth that I have to go to the CFPB for this concern is ridiculous! On XX/XX/XXXX after reporting the incident to the CFPB they sent me a letter stating they would finally actually look at the evidence I kept re-sending them to see I was right in the dispute and would " issue my permanent credit for {$200.00} '' for the dispute. I kept waiting nothing! I know I didn't get the credit because I let the balance for the amount roll over awaiting for it to be credited back yet nothing! I checked numerous times through the chat to keep being told on my statement end date XX/XX/XXXX it would be issued ( I have the screenshots for the numerous times as well ). XX/XX/XXXX reached and nothing! I called today XX/XX/XXXX and all I got was a rep who hung up on me and didn't call back. Called again XXXX XX/XX/XXXX requesting a supervisor since I was hung up on to get a rude man who talked over me the whole time and wouldn't listen to a word I was stating. I want my permanent credit and honestly the dispute process with this ridiculous company makes me want to close all 5 of my cards out, including my business cards!
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, 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 this account 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 account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, but Im confused about why this company has reported late payments for certain months. Under USC 1666b, billing errors should be fixed and marked as paid on time.
Product: Mortgage

Due to the pandemic I was in a forbearance program where I didn't have to make payments, up to a full year, starting XX/XX/2020. I was able to turn things around and made a payment in full for all monies due through XX/XX/2020 in the amount of {$25000.00}. I made the payment on XX/XX/2020. That same day, in the evening, I placed a call to the mortgage company advising them of the payment and requesting that I be taken out of forbearance since I made payment in full for what was owed. 

SPS servicing to this day has not credited or allocated all of my money that I sent in to update my account as current. Additionally, since asking to be taken out of forbearance on XX/XX/2020, I have actually still not been taken out of forbearance. XXXX is supposed to be my first payment, after my forbearance period. I literally have made approximately five or more calls and nothing has been done. It was escalated by XXXX XXXX on XX/XX/XXXX around XXXX to the manager of supervisors by the name of XXXX XXXX . I placed numerous calls prior to this call even. Fast forward almost a week now after the escalation and we are no where different. My account is still showing past due and I'm pretty sure is still in forbearance as of the date I'm writing this complaint. I was told this would've been completed weeks ago. I then called back in and spoke to supervisor XXXX who advised me that XXXX XXXX was aware of this and another department was working on correcting my account and removing the forbearance. I'm just not confident in that. I'm a little hesitant in making my XXXX payment right now because I feel this company has no idea what is actually going on with my account. Today is XX/XX/2020. Again, my XXXX payment is supposed to be my first payment after the forbearance period was terminated. Can someone please help this company figure things out productively. I'd greatly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT ON CREDIT FILE AS PENTAGON FEDERAL CREDIT UNION THAT NOT MINE AND ITS FRAUD! IM NOT MILITARY OR HAVE ANYONE IN MY FAMILY AS MILITARY SO HOW COULD I EVEN GET A MILITARY CREDIT CARD! I HAVE FILED A POLICE REPORT AND FTC REPORT AND I CONTACTED THIS CREDIT UNION SEVERAL YEARS AGO AND TOLD THEM THIS ACCOUNT ISNT MINE AND CONTACTED PENTAGON FEDERAL CREDIT UNION WHEN THE INQUIRE WAS MADE ON XXXX  AND TOLD THEM THIS ACCOUNT WAS FRAUD AND THEY SAID THE ACCOUNT THAT WAS ISSUED UNDER MY CREDIT WILL NEVER BE ISSUED OR CANCELLED. THEY LIED
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 5 months BBVA Compass Bank has been reporting that I was 30 days late with my XXXX monthly payment. 
I spoke with customer service who promised me they would correct this but they never did, I also wrote BBVA addressing this issue and each time they never complied even though I showed proof that the account was never late. Although BBVA Compass was unable to show proof that the account was late when I requested the needed documentation pursuant to the fair credit reporting act, they refused to provide any proof that the account was 30 days late. I even spoke with a branch manager previouisly who assured me the derogatory information would be removed BBVA Compass Bank continued to report that I was late on XX/XX/2019. When I sent BBVA Compass Bank a final demand letter they sent me a response letter. The letter that BBVA Compass Bank sent informed me that due to my current credit scores they were closing out my XXXX line of credit. 
This makes no sense as my credit score is higher now then it was when BBVA Compass Bank issued the line of credit.
Product: Mortgage

I am constantly being told that my mortgage is in default. The last letter I received dated XX/XX/XXXX indicates that I am XXXX payments behind. Prior to that it was XXXX payments behind in XXXX. 

Ive made multiple attempts starting in XX/XX/XXXX to obtain a payment history from XXXX - XXXX and to request a corrected XXXX for taxes to no avail. 

Its so frustrating that my payments are constantly misapplied and that we continue to get delinquency notices. When speaking with the agents, we are always told a different reason why our account is not correct and that the issue has been escalated. 

I believe my entire payment history is not correct. They have me owing more than I should owe due to negligence on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX XXXX XXXX account # XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written _instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

On XX/XX/XXXX, I filed Chapter XXXX bankruptcy protection for the Southern District of Florida, case no. XXXX. On XX/XX/XXXX, was discharged. Under the Bankruptcy code when a debtor is discharged is not the end of the Bankruptcy because until the case is close, particularly in Chapter XXXX  case, the bankruptcy trustee remains the legal owner of all asset which are property of the Bankruptcy estate. Although the Bankruptcy case is currently open Select Portfolio Servicing employed debt collector XXXX XXXX XXXX XXXX XXXX to acquire a sale date from the court. This action is prohibited under the Federal Bankruptcy Code. Both, Select Portfolio and their debt collector are in violation of Federal Bankruptcy Code. The Bankruptcy code supersedes any state order and in particularly when the debt is currently owned by the US Trustee and the Federal bankruptcy Court. SPS is also in violation of Treasury Rules in regards to the sale date. We are being reviewed for a loan modification therefore all Treasury rules apply. Under treasury rules servicer may not request a sale date until the debtor is reviewed for mortgage request and was notify to either approval or denial and in the event is denied, the sale date may not be conducted until the debtor has a chance to an appeal. SPS violated such rules and are subject to sanctions. The CFPB has jurisdiction of Federal Rules therefore must sanction the named parties for violating Federal Rules that shall be respected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon CFPB complaint completion on XX/XX/2022, Creditor and Consumer agreed to delete account. Dispute was opened with TransUnion to delete account and pertinent documents were uploaded for validation. XXXX deleted account, TransUnion DID NOT delete account and closed the dispute. I called multiple times and they just want to open another dispute, which is ridiculous! This is a USC 1681i - Procedure in case of disputed accuracy AND 15 USC 1681i ( 5 ) ( A ) ( i ). 15 USC 1681 states that I have a right to privacy. 




XXXX XXXX XXXX XXXX  Account # XXXX
Product: Debt collection

Continued attempts to collect debt that is not mine. Continued robo calls after I have sent writing to this company which said not to call me. These have been reported to the do not call registry. I have also submitted the times and dates of calls to a law firm. I also provided the law firm information about the continued harassment and previous history of harassment. They are violating my rights under FDCPA, TCPA, and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted dispute to you amd I didn't get a response within 30 days And you'll are required by law to do so. Please investigate my disputes please. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wellsfargo is falsely reporting late payments on an installment account that was under the protection of the Cares ACT. I have letters from Wellsfargo dated XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XX/XX/XXXX I even opened up 2 complaints regarding the following issue. I had contacted Wellsfargo requesting Covid relief for an installment loan that I currently have with them. I was offered a loan modification agreement to help ease the burden of the payment during the worldwide hardship we were all experiencing. I was assured that late payments would not be reported negatively nor that late fees would be accessed. I reported to Wellsfargo that I did not live at an address they had on file and that I needed the documents to be mailed to my current address. I was told that the documents would in fact be sent to the address I provided yet I never received them. I stayed in contact with Wellsfargo because the modification agreement never arrived and they were time-sensitive. I made this initial contact with an Executive representative by the name XXXX XXXX He assisted me in opening up 2 cases regarding the late fees and payments that were on my account at the time. My credit report shows 120 days late and that is absolutely not true. I wrote to Wellsfargo showing them I had made the payments for the months of XX/XX/XXXX and XX/XX/XXXX. In XXXX they did waiver the late fees and yet did not reverse the late payments. This is false and inaccurate reporting. In all of the correspondence from Wellsfargo that I mention above, they apologize for the confusion and the lack of good customer service. I can provide copies of all the letters and statements to show that I was under the protection of the Covid relief and that it was Wellsfargo that did not update my address and continues to ignore the proof I have sent them. The sad part is I have been with this financial institution since XXXX. I have never paid late or even given them any kind of issues. We were all impacted by the Pandemic and this is unacceptable. I have always paid for everything on time. I demand that my record be reported correctly and these late payments are deleted. I am prepared to take all necessary steps to correct this situation. It is impacting my life terribly. All calls are recorded. I demand the calls be pulled! I was promised and assured that the late payments would not be reported nor would late fees be accessed. I have a call log of when I called Wellsfargo. I will gladly send the log to the Attorney Generals XXXX office or anyone office. This is impacting my life horribly.
Product: Credit reporting, credit repair services, or other personal consumer reports

im an id theft victim. 
these items do not belong to me u s bankruptcy court opened XX/XX/2012 XXXX XXXX XXXX {$5300.00} ( lXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2200.00}
Product: Debt collection

XX/XX/2017 our company was sent a letter that we were in breach on contract since we no longer wished to have uniform services from XXXX. We had paid the amount owed- {$350.00}. They claim that we must pay termination charges of liquidated damages in the amount o {$2700.00} with in 10 days. This is not logical. We did not like their service and, therefore, cancelled it. We have now been sent to collections. I did not know about the {$3800.00} amount owed until I checked my business credit report on Experian. They never even notified us that they took that action. This has been going on for ( 4 ) years ....
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV Funding, LLC Care of Resurgent Capital Services L.P XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Collection Account Request for Validation Dear LVNV Funding, LLC Care of Resurgent Capital Services L.P : I hope this letter finds you well. I am writing to formally dispute the validity of the collection account referenced below as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and specifically under 15 U.S.C. 1692g ( often referred to as " validation of debts '' ). My full name is XXXX XXXX XXXX, and my account number is XXXX According to my recent credit report, there is an entry for a collection account with the following details : - Creditor Name : XXXX  - Account Number : XXXX - Amount Due : {$1200.00} I am requesting that you provide validation of this debt, including the following information : 1. Proof that I am legally obligated to pay this debt.

2. The name and address of the original creditor.

3. A detailed account statement that outlines the amount claimed, including any charges, interest, or fees.

4. Validation documentation that verifies the debt has not violated any statutes of limitations.

5. Any documentation that substantiates your authority to collect this debt on behalf of the original creditor.

Please note that until I receive this requested validation, I do not intend to make any payments or acknowledge this debt in any manner. Additionally, under 1692g ( b ) of the FDCPA, I request that all collection activities cease until the requested validation is provided. 

I appreciate your prompt attention to this matter and request a response within 30 days from the date of this letter. 

Thank you for your cooperation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

i open my credit report using XXXX XXXX, and i seen a hard inquire for SYNCB on XX/XX/2019 i was still in the process of my chXXXX bankruptcy and i was not applying for any credit during the month of XX/XX/XXXX. XXXX XXXX told me to contact SYNCB, But that did not help, i could not get threw. please help i dont want to start my new credit off with back marks.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted information to XXXX XXXX XXXX to apply for pre-approval of our mortgage application. They completed a hard pull of mine and my wife 's credit reports. Later that day, my wife and I both started receiving nonstop unsolicited spam phone calls and text messages from people claiming to be affiliated with mortgage lenders, offering us credit, or falsely stating that we had begun the loan application process with them and they wanted us to continue. Over the course of the next 48 hours we have each received at least 100 different phone calls and text messages ( mostly phone calls ), despite blocking each new phone number when they call and don't leave a message.

When my wife answered the call from one of these people, they actually told her that they obtained her phone number and the fact that she had just applied for a mortgage loan from the credit reporting agencies. I believe this is an egregious breach of our confidentiality on the part of the credit reporting agencies. How can it possibly be lawful for these private entities to share our personal phone numbers and the fact that we applied for a mortgage with random solicitors, with whom we have no contact and have given no permission to access our credit files? I can only assume that the credit agencies are profiting off of this practice, and we want it to stop immediately.
Product: Credit reporting or other personal consumer reports

XXXX or XXXX  years ago I payed freedom debt relief {$1200.00} to remove or settle medical debts that where older then XXXX yrs old and sold multiple times and some stuff got removed then started showing back up on report as new debt I contacted them and was told to submit information on what came back so I allowed more time and even more showed back up this time when I tried to contact them the number was no longer in service and no way to contact them since
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting that I have an account in witch I do not. I have asked several times to have it removed but the refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid them back with my taxes 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has 2 loans on my credit thats not mines, XXXX  XXXX XXXX has a closed account on my account thats not mines, XXXX  is reporting false information I have XXXX and XXXX  its hard for me. Ive been ill for over a year with other complications. I cant deal with people using my credit and the banks keep reporting it.I have several inquiries thats not mines. i filed a ftc report. Please help
Product: Debt collection

Spring oaks capital sent a debt collection letter to my parents home I do not live there and never gave this address
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed is a letter from XXXX dated XX/XX/XXXX providing direct evidence that I am no longer liable for the XXXX Account # XXXX on my current Equifax Credit File. This further supports proof that they continue to request immediate removal of this account from my Equifax Credit File. This is due to its extreme age and statute of limitations that require Equifax remove it by federal law. I also spoke with a Supervisor named XXXX located at the Nevada XXXX on XX/XX/XXXX at XXXX XXXX who also stated that Equifax would remove my XXXX Account effective XX/XX/XXXX due to the extenuating circumstances/mortgage and adherence to the Fair Credit Reporting Act.
Product: Checking or savings account

I called in for a paper statement fee. I never ordered paper statements. The agent insisted I had to go online to turn off paper statements and she couldn't, her manager couldn't either. That is XXXX. Truist knows if they make it more difficult people will give up and not do it. This is a malicious policy Truist has. 

So I spent an hour dealing with Truist 's malicious compliance to XXXX me over.