23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am currently being sued for a debt threw Lvnv Funding LLC for a apparent debt for a card XXXX a debt that I believe my ex wife took out in my name while she was a girl friend just be for we was married and I gave the attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX phone number XXXX XXXX XXXX the information of who I suspect committed identity theft along along with another credit card paper threw XXXX XXXX that completed an investigation and found no cause of me activation a card threw them and completing there investigation and closing it.Also with suspected ideas of how my information was found to be used from old XXXX tax 's forms and old job applications and they have yet to believe and insist to still proceed with sueing me I have also requested documentation for the activation of the card and something with my signature showing that I was then XXXX that has opened the account as proof that it was not me and it was someone using my information and they have yet to provide such documents so I request for a full and thoroughly investigation to help prove that I am a victim of identity theft please and thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX 
the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Midwest Recovery Systems never sent me anything in writing about a supposed debt that is past the statute of limitations in my state of Louisiana. Also, they were rude and verbally abusive when contacted by phone. This company refuses to answer in writing and wrongly claims that the debt is mine. I've asked for validation and they refuse. I'm requesting the removal of this fraudulent account from all three credit reporting agencies.
Product: Credit card

On XX/XX/XXXX I opened an account with Aspire Credit Card ending in XXXX, 12 months later I noticed an annual fee of {$49.00} and called and canceled the card on XX/XX/XXXX and was told I would still be charged the {$12.00} fee per month until the account was paid off. I checked my account today and noticed they have charged me a {$49.00} annual fee for the last three years on a " Closed Account '' on top of the {$12.00} per month. This is a total rip-off to charge an annual fee on a closed account. I demand the last three years ' annual fees be credited back to my account. This is an outrage to charge someone these types of fees on a closed account that is not being used.
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed company has used my credit report in violation of the F.C.R.A by reporting inaccurate information that has impacted my credit profile negatively. Ive disputed this account which resulted in the company removing the exact accounts from my credit profile reported by the other credit bureaus yet fails and refuses to remove the remaining reported accounts in direct relation to the accounts disputed and removed between XX/XX/XXXX- XX/XX/XXXX. I request as resolution that any accounts directly related to this listed account information be immediately deleted from my credit report. 

-Account info- Account name XXXX XXXX XXXX A so known as XXXX  XXXX  XXXX Account number XXXXXXXXXXXXXXX Account type XXXX  XXXX  O Individual Date opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment XXXX  halance A
Product: Credit reporting, credit repair services, or other personal consumer reports

Since my divorce in XXXX I have been scrupulously diligent in paying my bills on time. Only once in the past five years has a bill been over 30 past due and after calling the creditor ( XXXX XXXX ) it was found that an error had been made and they corrected it the next month. Recently my wife ( who had been paying the XXXX 's bill because she had purchased XXXX XXXX gifts for me ) missed XX/XX/XXXX payment and I promptly paid it. ( approximately 35 days after the due date ). I called XXXX 's at the time and they could offer no help in rescinding the credit report filing. 
I assumed that my current credit scores ( XXXX, XXXX, XXXX ) would drop about 20-30 points at most. My current scores according to my XXXX XXXX account are ( XXXX, XXXX, XXXX ). An aggregate drop of 86 points across all three major reporting agencies. 
I understand it is my responsibility to pay my bills on time. As is evidenced in the XXXX XXXX credit score report attached there is only ONE late payment in the past two years ( all the further back I could go with their system ) I feel that this significant of a drop in my scores is at best an error on credit bureaus part and at worst a malicious and damaging attack on my financial well being.
Product: Student loan

I have only received one billing statement from my student loan servicer MOHELA on XX/XX/XXXX for a payment due date of XX/XX/XXXX. Even in this instance, the billing statement was sent less than the required 21 days prior to the due date. Following that, I have not received any billing statements for payment due dates on the XXXX of each month. I set my account to auto-pay so I did not miss any payments. 

My account was then placed on administrative forbearance after my auto payment on XX/XX/XXXX, but I did not receive any communications about the forbearance until XX/XX/XXXX. I sent a message to MOHELA on XX/XX/XXXX to request information regarding the forbearance. I have still not received any reply to my message except for a message stating that they would respond within 15 business days on XX/XX/XXXX. In the email I received on XX/XX/XXXX from MOHELA, it stated that my account was placed in forbearance due to the billing statement for XX/XX/XXXX was not sent 21 days in advance and would be in forbearance through XX/XX/XXXX. 

Now, on XX/XX/XXXX, I have a payment due which is being processed through auto payment. However, I still have not received a billing statement even though my account was taken off of administrative forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is reporting an account XXXX XXXX XXXX XXXX with an abbreviated name and account number. This is incomplete information which is forbidden by the FCRA. In addition EXPERIAN continues to claim this account is verified however I never received cash or a loan so there can be no debt reported to my consumer report. Lastly EXPERIAN is reporting a balance of {$6900.00} on a closed account and they are reporting marks of a charge off on my payment history when the account is closed. These are all willful violations.
Product: Credit reporting

I can not get in touch with a human to express my problem. Out of frustration I am filing a complaint about the XXXX credit reporting agencies. I have several creditors showing up as bad debt and they have been closed for over 7 years. This situation is really messing me up at repairing my credit.
Product: Credit reporting or other personal consumer reports

Update legal name in the bank system XXXX XXXX XXXX from XXXX XXXX XXXX
Product: Credit card or prepaid card

Affirm is double charging interest rates and rolling this unlawful double charge into its finance charges in violation of applicable law ... the purchase price for a XXXX XXXX XXXX  on XXXX was {$340.00}, and with tax ( North Carolina sales taxXXXX 4.75 % = {$16.00} = {$360.00} ) but affirm 's unlawful loan terms require me to pay back a principal balance of {$390.00}... ok it's more than double the interest rate which is even worse and more of a TILA violation ). All I know is I was charged {$370.00} from XXXX for this order and this is the highest balance I should be charged interest on... please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report agencies are all reporting and interpreting my students loans as late. I have been on a Income Driven Plan before and during the Pandemic. The reports show for a consecutive year of late payments of {$0.00}. 

My student loan accounts are in good standing with all my XXXX accounts
Product: Credit card

Approximately XXXX of XXXX  my Bank Of America credit card account was hacked due to bank negligence. This hack then migrated over to my XXXX XXXX  accounts. During this process all of my accounts were shut down causing major chaos to my personal and business accounts. As a result of this all of my EFT 's were cut. One of which was my autopayment for my Business Credit Card. I attempted to reconnect this over the course of many months to no avail. Eventually I spoke to an individual at the bank that told me there was a block on this. She was able to lift the block and ultimately allowed the EFT to be reconnected. The following month when my credit card 's payment was due a payment of almost {$15000.00} was extracted from my account and then 2 days later another {$15000.00} was removed. I called the bank again and I was advised that there were 2 autopayments set up! They shut down the second autopayment and I requested my {$15000.00} double payment be returned to me. Needless to say I didn't see the payment in a timely fashion. The following month the credit card came due. This time the total was about {$17000.00}. Instead of deducting the correct amount they deducted the difference between the new balance and the the {$15000.00} overpayment. A few weeks later without notice they wired the illegally obtained funds back into my account. What this caused is a deficit on my account and then they had the unmitigated temerity to charge me interest on my account for their mistake. This amounted to {$620.00}. I have called the bank on this no more than 5 times and being on hold for anywhere 1-3 hour I received no satisfaction. I spoke to supervisor after supervisor who told me these charges are valid which they obviously not. I request your assistance to return my funds as well as penalize the bank for their fraudulent deceptive practices.
Product: Debt collection

I have tried to ask for the itemized bill so we can solve this debt. I called again today XX/XX/21 at around XXXX and usually calls will be recorded but today it was not and the man who answered was extremely rude and used foul language. When I asked for this information he accused me of trying to get out of paying and began verbally attacking me and stated he had spoken to coworkers about me. He said my questions were ridiculous and what was I trying to do by asking them. When I asked for his name he simply hung up on me. When I called back Im not sure if I spoke to a different man because nobody would give me their names but this man refused to give me paperwork information and proof of my debt and also accused me of trying to get out of paying which I was not. I simply wanted to know what I was paying for because its a debt from years back. This business is incredibly unprofessional and unnecessarily aggressive, abusive and their tactics are borderline illegal.
Product: Payday loan, title loan, or personal loan

United Community Bank engaged in unfair and deceptive practices by drafting what I thought was an inactive/closed checking acct for several years triggering an overdraft protection line of credit to pay an insur pmt I'd assumed was long terminated. They then paid the line back with the excess overdraft proceeds remaining in the checking acct. This obviously occurred for years all the while the bank collecting interest with no attempts at notification. They apparently only contacted me after the line of credit reached it's max limit and became past due. 

This company acquired my prior bank, XXXX XXXX, but both had my forwarding address & only recently contacted me demanding past due payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery has obtained a supposedly charge off from XXXX XXXX. I lived briefly in XXXX XXXX North Carolina with some room mates, when I moved to care for my father. Last year I noticed that there was an account opened in my name. I have disputed this and I have spoken with Portfolio Recovery to try to remove this. I have had my information stolen and I have had numerous security breaches in my accounts. I have fought this for well over a year and it is still not removed through XXXX. Also, on my XXXX  report is a XXXX XXXX XXXX from XXXX XXXX, that has been turned over. I never had electric service in my name with XXXX XXXX. I have also tried to dispute it. I can not log into my XXXX  to dispute due to the ignorant security questions it is asking from 10 years ago, like what was my phone number or how much a payment is on a loan I never had. This is due to fraudulent activity that has occurred. Also my information was breached through XXXX, and these said items I am speaking of happened around the same time. Coincidence or not ; I cant help but to believe my information was sold and/or used in some way. And I can not dispute the credit inquiries that are on my credit report, which is totally unacceptable. These things stay on your report for at least 2 years. Some of the inquiries I have never authorized. The whole credit scoring is messed up. You should not have to be penalized for a credit inquiry. Hospital bills should not appear on your credit report. And you shouldnt have to wait 7 years for something to come off your credit report. Bad things happen to good people, but 7 years is a long time to try to get good rates on loans or insurance, even after the bad time passes and you are back on track.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed several billing mistakes showing late payments that don't match my usual payment record. Please correct these errors and update my account.
Product: Checking or savings account

I opened a new saving account at the XXXX XXXX  branch with the banker XXXX XXXX who accepted a valid email code advertising {$520.00} bonus after complete qualifying activities. I attached both email code and bonus qualification criteria XXXX printed out for me. I followed the requirement but didn't receive the bonus as promised. I contacted wells fargo customer service but was told the account was opened without any bonus so I won't get the advertised bonus. XXXX never returned my call so I can't get any help from her.
Product: Credit reporting

XXXX XXXX account was paid in full in XX/XX/XXXX, but on experian report i have 30 days late on XX/XX/XXXX, which is not possible to be true because loan was closed and paid in full in XX/XX/XXXX Disputed a few times, but experian said verified, Please see in atachment proof.
Product: Credit card or prepaid card

Bank of America has stated that they had automatic payments from my account. During XX/XX/2018 I made a XXXX dollar payment and Bank of America made a payment of {$100.00} dollars through automatic payments from a closed account that has been closed for more than a year. The XXXX dollar payment at the branch was processed but they gave me a 2 fees. The first one was late because they claim their " automatic payment '' that their system processed was late. And the second fee they slapped my account with was a " returned check fee ''. I called today XX/XX/2018, and the representative claims I have always had recurring payments from my account, which I dont recall since I normally call ahead of time to make sure the account is in good standing. But they processed and invalid payment from an account that has been closed and not used for more than a year. Because Bank of America has processed my payments from my checking account ending in XXXX from XXXX. I am struggling to pay my college debt and can not afford these fees.
Product: Credit reporting or other personal consumer reports

I am in the process of purchasing real estate and upon pulling my XXXX credit reports, I discovered several discrepancies pertaining to the following accounts : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX # : XXXX XXXX. XXXX XXXX XXXX XXXX. Acct # : XXXX XXXX. XXXX XXXX XXXX. Acct # : XXXX XXXX. XXXX XXXX Acct # : XXXX On XX/XX/year> I sent written and formal disputes to all three credit bureaus to have each account validated in accordance with 15 U.S. Code 1692g - Validation of debts. They have all three reported back and " after completing a " thorough '' investigation '' your account has been updated and correct. '' An investigation was not completed because the inaccuracies are still listed on my credit reports. According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. I have attached documents to show my attempt to validate these records and showing the inaccuracies in my reports.
Product: Mortgage

I have 2 mortgages with the same company ; but, they have different offices which service the loan. One office is in compliance with all requirements, while the other has not sent a monthly statement in 5 months and has not sent a year-end statement of interest.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recurring payments setups submission in month of XXXX to my TD Retail Merchant bank ( www.myonlineaccount.net ) Frequency Is Monthly. But they are saying Recurring payments submission and they did not drafted my payments was not submitted, 2 ) And they reported to XXXX, XXXX, XXXX so in the results of their reported i am not agreed with their outcome.they are unfaily reported my information. And they are not removing my late payments history from their site and not requesting from all other three credit bearue to removing my late payments history which is hurting on my life. So i am requesting you cfpb have them TD Retail Card/ XXXX financing or myonlineaccount.net along with all three credit bearue to removed my late payments history Month of XXXX and Month of XXXX. As soon as possible. And i assuming them i will be always making my payments on or before time.. 

XXXX ) every time i connect with their payments customers support on the phone support mostly they have XXXX speaking ladies and they are very rude in conversation which make my feelings hurt. Which they inaccurately repoted my information to the credit bearue months i m listing below. 

XX/XX/2022 XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial Institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and the tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

I disputed the account in the amount of {$1400.00} that I do not owe and I have not received a copy of a bill. Not a contract with my signature, social security or identification attached. Now in their letter they said this is accurate proof which is a lie. In my validation letter I asked the following : 1. Assignment clause 2. Notarized letter of debt purchase 3.Signed contract from original creditor 4.Copy of license to collect in the state of NJ None of this was submitted so they failed to prove 100 % accurate as per fair credit act. Now they are saying it verified but sent me no proof of that. Now they say it has been sold but the original creditor is still having this charged off account reporting and not the new creditor.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB Lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution, and Zelle failed to investigate my claims adequately they informed me that recovering loss funds was impossible, and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also repeat offenders to exploit the system, leaving users, vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Citibank credit card MasterCard charge d me penalty interest rate for the period  XXXX    XXXX   to present. This was apparently because the minimum payment was late. The interest penalty rate was 30.00 %. Additionally late fee was charged. This penalty rate continued indefinitely despite all payments since   XXXX    XXXX  being on time. There was no intimations or notice of account being charged penalty rate.