23daVinci/CFPB_Complaints huggingface dataset:
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 Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

-XXXX XXXX hired an attorney to handle family chapter XXXX bankruptcy -At that time we hired and instructed our attorney XXXX XXXX to reaffirm our loan with our mortgage. 
-XX/XX/XXXXBankruptcy Court in Colorado finalizes bankruptcy -We continued to receive monthly mortgage statements from PennyMac which we have been making. The statements indicated that the payments were going more to interest than principal. 
-In late XXXX purchased family truck and credit report pulled that our mortgage was a closed account. 
-XX/XX/XXXX Inquired to PennyMac to be connected with the right people to find out why it stated closed account and did not get an answer. 
-Attempted to make contact again a week later with no results. 
-Spoke with attorney, attorney sent additional paperwork to PennyMac regarding BK. PennyMac then said that they never received it. 
-PennyMac never sent me, as the customer, any paperwork stating that the loan was reaffirmed or that more money would go to the interest than principal. 
-As of the last date, issue was still unresolved and have not been able to speak with anybody regarding this. 
-As of current still making monthly mortgage payments.
Product: Checking or savings account

ON XX/XX/2022, I used bill pay at BMO Harris Bank and scheduled a payment to be sent.The payee did not accept on line payments so a check was mailed by the bank and the bank debited my account 3 days later. 6 weeks later I found that the payee never received the check, but my account had been debited by the amount. 
XXXX XXXX, I have asked the bank why the account was debited when the check had not been submitted. ( There was no information on the website explaining this practice. ) Response from the bank was that is the way digital pay is done. 
I asked the bank when the bank reverses the debit to my account. They do not ever reverse the debit unless I file paperwork to show the check was not cashed and request that the amount be added back to my account. I also asked if I closed my account without knowing the check had not been cashed, would there be an audit to identify that transaction and credit my account. Answer : no. I asked who would get that money in that case. No answer. 
I think this happened once before, but I can not check it since the bank does not keep records older than 7 years. 
To insure that this does not happen again, I will not use digital bill pay for payees not accepting on line payments. 
I think this practice should be reviewed and hopefully be changed in some way. I do not believe that the bank should debit my account when a check has not been cashed.
Product: Money transfers

I paid XXXX XXXX of XXXX XXXX XXXX {$7000.00} to develop a computer/tablet/phone app and never received it. I was told by Paypal reps that i was covered under their Buyer Protection Policy so I disputed all XXXX separate transactions with Paypal. After the disputes were filed, Paypal declined them and refuses to help me get my money back.
Product: Payday loan, title loan, personal loan, or advance loan

I ordered aligners through XXXX and financed them through XXXX XXXX. My contract was canceled through XXXX because of dental reasons rendering me unable to continue. The company opted to clear everything I owed on the aligners except {$290.00}. So I was only subjected to {$290.00} of the debt. I paid a to the tune of {$1000.00} per payments I calculated. The company only refunded me {$120.00} and kept the rest. When I called them on this they said they gave me back what the merchant told them to give back. When I called the merchant XXXX  they said they would reach out to XXXX but XXXX would not communicate with them about my acct and told them they would email me and they have yet to email me.
Product: Debt collection

Complaint Details : I am filing a formal complaint against LVNV Funding LLC for engaging in harassing and unlawful debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. Despite my written request to cease communication under 15 U.S.C. 1692c ( c ), LVNV Funding LLC has continued to contact me regarding an alleged debt.

Their actions include : 1. Repeated and Unwarranted Communications : I have received persistent calls, letters, and/or emails demanding payment, even after I exercised my right to cease communication.

2. Failure to Validate the Debt : LVNV Funding LLC has failed to provide proper validation of the debt upon request, as required by 15 U.S.C. 1692g.

3. Threats and Harassment : Their communications include misleading or intimidating language, pressuring me to make payments on an alleged debt that may not be valid or legally enforceable.

4. Possible Attempt to Collect a Time-Barred or Unverified Debt : The debt they are attempting to collect may be past the statute of limitations or otherwise invalid, yet they continue collection efforts.

LVNV Funding LLC 's actions have caused undue stress and disruption, and I request the CFPB to investigate this matter. I seek enforcement action to stop their illegal practices and request appropriate penalties or remediation. 

Please confirm receipt of this complaint and advise on the next steps. 











XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX Subject : Cease and Desist Notice Pursuant to 15 U.S.C. 1692c ( c ) FDCPA Account Number : XXXX To Whom It May Concern, I am writing to formally demand that LVNV Funding LLC cease all communication with me regarding the above-referenced account, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). This letter serves as my official notice that I do not wish to receive any further contact from your company regarding this alleged debt. 

Under the FDCPA, once a debt collector receives a written request to cease communication, they may only contact the debtor to confirm termination of communication or to notify the debtor of specific legal actions. Any further attempts to contact me beyond these exceptions will be considered a violation of federal law and reported to the appropriate authorities, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Please confirm in writing that you have received this request and that all further collection efforts, aside from those permitted by law, will cease immediately. 

Sincerely, XXXX XXXX
Product: Student loan

Ever since my loan has been transferred to MOHELA, I never received anything in the regular mail or email stating that anything was wrong. On XX/XX/2022 I decided to check my credit and seen a drop due to MOHELA. I'm like okay no-one has called or mailed me let me log in and check. Find out they are only sending statements to the message function in there website. Notices that are important to read and contact them about however, if you don't email or send some other type of notice at the very least you don't know that they are in there. So that is first not receiving notices how would I know nothing was wrong. I finally found the location to turn off paperless on XX/XX/2022 and hope that issue fixes itself however, I don't think any penalty 's or negative credit reporting 's should be placed on my records and also should be reversed since no notification was sent outside your system to notify me. 

Second, I reached out in XXXX to MOHELA when my loan was switched over and you immediately started charging me fees that XXXX  who was my previous servicer had not. In fact I never even received a bill from XXXX. MOHELA said they had to get the updated contract from XXXX  because you didn't even have a copy at the time to confirm the payment amount which to this day is still incorrect. Regardless I was still in school this loan applied to and applied for the In School forbearance until you could figure it out. That clearly did not happen as I am seeing MOHELA now says I am over {$1400.00} past due or $ XXXX per month which again if you would have sent me notice or called I could have talked about months ago. My monthly payments till the end of next year should be {$150.00} per the repayment schedule Which I have attached for your review. I am more than willing to make the {$150.00} per month payments however, you need your system adjusted to make the amounts correct so I can make payments.. It has been wrong since the loan was taken over by MOHELA and I have already reached out more than once to get this corrected. While i am looking to finish my XXXX XXXX next year i am not currently enrolled in school to apply for another forbearance while you get this corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 account # XXXX XXXX XXXX XXXX account # XXXX XXXX account XXXX XXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right of 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
Product: Credit card or prepaid card

There are transactions on my account that were authorized.the company has been harassing me by calling texting sending emails.
Product: Credit reporting or other personal consumer reports

Good afternoon, I request TransUnion, XXXX and XXXX  to update these XXXX mortgage late payments but never did it. Furthermore, I paid a comapany to fix this and for TransUnion they delete the mortgage account at all and never receive an explanation for this.
Product: Credit reporting

Im want XXXX XXXX XXXX XXXX to be disputed and to be taken off my credit. I didnt leave a negative balance as shown in the bureaus in the year of 2008 and its just sitting on my credit causing it to be poor. It has been 7 long yrs now and i want it removed.Thanks for your time.
Product: Credit card or prepaid card

Hi, I have a capital one credit card. 
I paid the total statement amount 2 days before the bill was due. 
I received a email today that my account is past due. When I contacted them they said they payment was returned and so they are refusing to even consider waiving the late fee and interest they slapped on. I spoke with a few people and they all where not helpful. I also dont want this going on my credit report as I paid this bill on time and did my part. Thank you in advance
Product: Credit reporting or other personal consumer reports

Ive never purchased from this company. Dont know anything about this company. Ive reached out several times and explained my identity was stolen and Ive never had the account. Never have I gotten a response.
Product: Mortgage

This is a complaint in regards to my escrow account for my mortgage serviced by Mr. Cooper D/B/A Nationstar Mortgage. Mr. Cooper did not pay my taxes correctly in XXXX of XXXX. I faxed them the bill when I received it and they paid the wrong amount ( XXXX ) to the wrong taxing authority causing my taxes to become delinquent! The correct amount that should have been paid was {$2100.00} to an entirely different tax collector! I did not know they did this until I received a notice from my County in XXXX of XXXX. I talked to Mr. Cooper on XX/XX/XXXX and also faxed them all the corresponding proof of what happened. I was promised everything would be taken care of and all delinquent fees would be returned to my escrow by Mr. Cooper. 
After lots of phone calls and getting the runaround and nothing being paid or taken care of, I had to pay my delinquent taxes myself with a credit card on XX/XX/XXXX so that I would stop incurring fees and not have my property go up for tax sale! 

Mr. Cooper has been an absolute joke. I've been communicating with my local tax authority trying to get Mr. Coopers incorrect distribution returned to me because they have done nothing other than blame other departments at Mr Cooper for the mistakes. I incurred delinquent fees and penalties of {$400.00} that need to be returned to my escrow account by Mr. Cooper immediately! I'm sick of their excuses and runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). As much as possible I would like to avoid having issues like this, so I want them to take care of it.
Product: Consumer Loan

XX/XX/XXXX, I contacted Santander CSR around the Holidays last year to explain that I would not have internet and so I would be making a double payment in XX/XX/XXXX to cover both XX/XX/XXXX and XX/XX/XXXX. I was advised that it would not jeopardize my account. I made that double payment and they did not apply one payment towards XX/XX/XXXX so, from that point it looked like i was 30 days late each and every month. On top of that, auto bill pay from XXXX sends XXXX the payment a week prior to due date and still the payment is getting posted. Their CSR person told me that they do this purposefully to encourage customers to use online autopay or pay via web which incurs almost {$13.00} charge per online payment. I keep getting funneled to people within Santander who give me conflicting information. Ultimately, I want them to make good on their word, retract the 30 day late reporting from XX/XX/XXXX up to date XX/XX/XXXX. They are negatively and inaccurately reporting based on their dysfunctional customer service and supervisors who do not do what they say and misguide their customers. Several times I called in to update my address as the company was mailing statements to an address that I lived at 9 years ago so I was making blind payments based on the fact that they NEVER did their job and updated info. I just recently and FINALLY got the help i needed to gain online entry.
Product: Mortgage

I am a Truist mortgage customer because my mortgage was purchased by them. I have not missed any payments and have always overpaid. Truist escrows and pays my homeowners insurance directly. They were billed in advance and did not pay by the date due. This triggered a Truist letter informing me I had not paid my insurance and threatening to charge us considerably higher rates for their insurance and requiring a number of different documents. I work long hours and cant contact Truist past XXXX pm so there is no way to do this for me other than their automated system which I have tried to use. They then triggered another paper communication thanking me for paying my insurance which they did. The communications are not only inaccurate but incredibly abusive to customers. I have since received communication from my insurance company informing me that a payment is still due ( it was due over a week ago ). This is very frustrating and time consuming and it feels deceptive to customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$660.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting fed up with everyday statuses changing on XXXX XXXX. The issue with XXXX XXXX is NOT resolved. They have been reported to OCC and Financial Ombudsman AND XXXX AND CFPB. They have charged credited and recharged an amount for {$1000.00} since XXXX. IT IS NOT RESOLVED. I paid the {$1000.00} because of the negative on my account, BUT I AM STILL AND WILL CONTINUE TO FILE COMPLAINTS UNTIL MY {$1000.00} IS RETURNED. CFPB has repeatedly NOT DONE THEIR JOB.!! I HAVE NEVER HAD AN AMT OF {$1400.00} ON ANY OF MY 2 CREDIT CARDS WITH XXXX  XXXX. My allotted amounts are {$1200.00} and {$1300.00}!! I WOULD GET DECLINED IF I REACHED XXXX!!! and why would the balance be the same EVERY MONTH. I'm about to file suit against EVERYBODY INCLUDING CFPB!! I'm fed up with this. As far as XXXX XXXX. It is supposed to be removed. I have ONE ACCOUNT NOT 3 AND  SHOULD NOT SHOULD PAYMENT HISTORIES FROM XXXX UNTIL XXXX WHEN I FILED XXXX AND STILL DISPLAYS AMOUNTS ON TRANSUNION!!! I WANT PAYMENT HISTORY REMOVED AS PER REQUEST BY OMBUDSMAN IN XXXX!!! I WANT PAYMENT HISTORY AND ACCT FROM XXXX XXXX REMOVED AS WELL AS PAYMENT HISTORY SINCE CONSOLIDATING. I WANT RESOLVED ON MY XXXX XXXX REMOVED. I PAID IT BUT XXXX IS STILL OWED TO ME FOR BECAUSE I WAS DEFRAUDED BY A DEALERSHIP AND XXXX XXXX HAS ALLOWED IT. THERE IS A COMPLAINT WITH XXXX XXXX XXXX FILED
Product: Checking or savings account

I was recently notified by XXXX Bank that I was the victim of identity theft told to the bank specislist upon opening my account. The bad actor somehow gains my debit card number and CVV code every time as expected. Safeguards are being instituted at all institutions I bank with to stop the fraud proactively. Most of my money was transferred, then used for illicit purposes while with TD Bank.
Product: Bank account or service

I called the company advised them of an unauthorized transaction and was told to fax a paper stating why. I advised the company I did not authorize the company to draft my account. The company denied my claim stating the company has drafted my account once before. I called the company and told them I made a one time payment and that I did not authorize any other transactions. The company advise me that if I paid a company one time they had permission to draft my account any other time after that. I asked if I went to XXXX and swiped my card and 4 months later they charged me again would that also be authorized the representative advised me yes. I am in disbelief that I am going through so much to get my money back from an illegal transaction.
Product: Student loan

I spoke with one " XXXX '' from the credit/reporting department at MOHELA at which time I asked her why I was reported 90/120 days late without a 30 or 60-day report so that the issue could be addressed sooner. She graciously explained federal reporting requirements. I advised that I wasn't contacted prior. However, she suggested that it is MY responsibility to update personal contact information with MOHELA. Branding me with culpability was premature and unnecessary. As it happens, I am on a temporary job assignment with XXXX, my employer of approximately 5 years. I am out-of state sporadically for work and I requested forwarding for all applicable XXXX addresses to XXXX  so that I would not miss any mail. I asked what address they were contacting and she provided addresses that were several years outdated that I had never furnished to MOHELA instead of the most recent that actually had. As a consequence of correspondence being delayed, I lost 168 points on my credit score. I did not receive any emails. I did not receive any phone calls or at the very least any voice messages from any representative at MOHELA, yet this representative by the name of XXXX suggested that the 90-days late reporting was justified because " nobody could get in-touch with [ me. ] '' Regardless of the account being current at this time, the negative impact on my credit history is a present issue. Before it is asked, I had not made contact with MOHELA sooner because I had been planning my return to school.
Product: Debt collection

My bank notified me of a major derogatory activity on my credit on XX/XX/2021, that's how I realized that there was a company charging a debt against me ( I.C. System, INC. ) I called them and they said that said I owed {$120.00} for a procedure done at the XXXX XXXX XXXX XXXX in XXXX in XX/XX/2021. 
I called the XXXX and they apologized saying that this bill was paid by my wife on XX/XX/2021 and that they advised the debt collection company IC System that this bill was already paid but this company, IC System did not withdraw the billing and reported to the credit bureau that I still owed this account, irresponsibly damaging my credit. 
I called I.C. System asking for an explanation for continuing to have it on their system as a debtor. An IC employee told me over the phone that there was a duplication of my case and that the system was improperly charging the same debit from XXXX. They did not offer me any resolution regarding the wrongful collection and the recovery of the points lost in my credit due to neglect of the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Open loan XX/XX/XXXX amount {$20000.00} XXXX  months / {$640.00} / month period XX/XX/XXXX to XX/XX/XXXX paid {$640.00} transaction amount on the term of contract no delinquency no late fee. 
period XX/XX/XXXX paid and full the loan {$12000.00} ( overpaid {$64000.00} ) account current payment satisfactory, no delinquency no late fee no past due. 
paid the loan on XXXX  months current on XXXX  month therm. loan current every month. 
period XX/XX/XXXX to XX/XX/XXXX current. 
the CoXXXX HUNDAY MOTOR FINANCE report my delinquency late payment charge off on XXXX, XXXX and XX/XX/XXXX to XXXX credit agency credit report. XXXX, XXXX and XXXX. The Co. promise of correction nothing came. 
I lost XXXX point for false report from HUNDAY MOTOR FINANCE. 
I contact the Co. on the phone promise of correction to fix the problem. Nothing came. 
I contacted from dispute the XXXX credit agencies with additional proven documents. my problem if not fixed date XX/XX/XXXX. 
the Co. HUNDAY MOTOR FINANCE return to me the overpayment {$640.00} on XX/XX/XXXX. is never correct the problem of late payment on the XXXX Agency. 
I am current loan pay satisfactory and no charge off delinquency late payment
Product: Debt collection

I reached out to let company know I have no knowledge of this debt. Debt has been returning on my report a number of different times in thw amount of XXXX dollars, the latest being XX/XX/year>XXXX