23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As of today XX/XX/XXXX XXXX XXXX XXXX loan any is XXXX Credit report states between XX/XX/XXXX to XX/XX/XXXX loan balance increased by XXXX from XXXX to XXXX. Ive had problems in the past, seems as though I get almost to a credit score of XXXX and XXXX shows suspicious activity on my credit report, incorrect information keeping my credit score low. Its been going on for several months. The credit reporting agency should be fair and not sabotage a persons credit report. I will be on the look out in the future and continue reporting erroneous information.
Product: Debt collection

LVNV Funding LLC is violating my consumer rights. It has come to my attention after reviewing my credit report that LVNV Funding LLC placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute these alleged debts. I am unaware of this debt and I have no knowledge of these debt. 

In my first complaint this company attached a document that I have never received.i don't reside in the state that the address listed. They do not have any proof that it was received. I was never given a chance to dispute this alleged debt yet it waa placed on my credit report. 

I am requesting that LVNV Funding LLC provide a purchase order agreement between them and the alleged original creditors. This is very deceptive practices. LVNV Funding LLC is in violation of the Fair Credit Reporting Act he Fair Debt Collection Practices Act and it also Defamation of Character. LVNV Funding LLC has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on my credit report. 

The document that was sent in the attachment is under another company name as well.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the inaccurate and invalid negative items listed on my credit report. These items are causing significant harm to my credit score and must be addressed immediately under the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

Dear Sir or Madam, I am writing to file a formal complaint against Freedom Mortgage concerning my FHA loan account XXXX. I have experienced significant and ongoing issues with this lender regarding improper insurance charges and misapplication of mortgage payments. 

Upon the transfer of my FHA loan to Freedom Mortgage, the company added property insurance charges to my mortgage payments despite my existing coverage. After providing proof of insurance, I was advised by a Freedom Mortgage representative, XXXX ( Reference # XXXX ), to remit payment exclusive of the added insurance fees. Despite compliance and confirmation via certified mail ( Article XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the company continues to send notices claiming my payments are short, and my account statement as of XX/XX/2023, incorrectly shows an amount due of {$13000.00}. 

I have attempted to resolve this issue directly with Freedom Mortgage to no avail. The responses and actions taken by the company have been inadequate and unsatisfactory, leading to undue stress and financial strain. 

I am requesting the CFPB 's assistance in ensuring that Freedom Mortgage : Reimburses any overpayments I have made due to the erroneous insurance charges. 
Applies my payments correctly as per the instructions given by their representative. 
Adjusts my account to reflect the accurate balance after these corrections. 
Provides a clear and detailed account statement post-correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute the alleged debts that have been reported on my credit report by XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX. I am aware that my credit score has been negatively impacted by these accounts, and I believe that these accounts have been reported inaccurately and have violated several laws. 

Firstly, I believe that XXXX XXXX XXXX 's account number XXXX has been charged off unfairly, and their account number XXXX has also been charged off unfairly. These actions violate the FCRA and FDCPA, as I have not been provided with any notice or explanation for the charge-off, nor have I received any communication regarding the settlement of the debt. 

Furthermore, I believe that XXXX 's account number XXXX has been charged off unfairly, which violates the FCRA and FACTA. I have not received any notice or explanation regarding the charge-off, nor have I been provided with the required disclosures under FACTA. 

Additionally, I believe that XXXX XXXX  XXXX XXXX account has been charged off unfairly, and this violates the FCRA and XXXX. I have not received any notice or explanation regarding the charge-off, nor have I been provided with the required disclosures under TILA. 

Finally, I believe that XXXX XXXXXXXX XXXX account number XXXX has been reported inaccurately as a collection account, which violates the FCRA and RESPA. I have not received any notice or explanation regarding the collection account, nor have I been provided with the required disclosures under RESPA. 

Therefore, I demand that these creditors take immediate action to correct the inaccuracies in their reporting and provide me with the necessary disclosures and notifications as required by law. If they fail to comply with my demands, I will have no choice but to take legal action to protect my rights. 

Sincerely, XXXX XXXX
Product: Debt collection

I fell behind in my payments and made a payment arrangement where I was making payments on time. Best Buy charged off the account and sent the account to a collection agency known as XXXX even though I was making regular payments. The charge off is hurting my credit and the wrong amount is being reported. I have been and is still making regular payments.
Product: Checking or savings account

Fees assessed by Wells Fargo Bank and now that a settlement has been reached I am awaiting status.
Product: Credit card or prepaid card

I am a paperless Truist customer and have a Truist credit card. The closing date of each month is the XXXX and soon thereafter they post the statement on the website which I access with my XXXX or XXXX. However, this month, XX/XX/XXXX, the statement was NOT available. I contacted customer service through Truist Assist, their online customer service portal. They informed me that their technical people were aware of and were working on getting the statements posted. I waited several more days, then today XX/XX/XXXX, the statements were still not online. I contacted Truist Assist again to inform them that they were delinquent in sending me a statement and I demanded that they email me a pdf of the statement. They said they could not do that. They said they didnt know when the statement would be available. They said to pay the amount due in the payment summary page. I told them I was unaccustomed to making payments without statements. My complaint was sent up the chain. 

Truist, no doubt, has many paper customers who receive statements in the mail. Yet they can not accommodate me by sending me a paper or pdf statement when the error is theirs. Or is it that they have been hacked and can not generate statements? I could not find any reporting online of statement issuing problems with Truist. 

Regardless, I am annoyed and frustrated by Truists inability to provide me with my statement in a timely manner as is my right. They must implement backup systems to provide customers with statements should they incur technical difficulties in the future. Statements are normally available a few days after closing. It is now at least 16 days after closing. 

Thank you for your attention. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, which has led to the inclusion of multiple fraudulent entries on my credit report without my knowledge or consent. Unauthorized accounts and inquiries have been added to my report, none of which I have authorized. 

ACCOUNTS - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX INQUIRIES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already reported this identity theft to the Federal Trade Commission ( FTC ) and now request the immediate removal of these fraudulent items to ensure the accuracy of my credit report.
Product: Debt collection

I get repeated calls and voice mail from Harris and Harris ( XXXX ). I explained to them that the number they are calling belongs to me and does not belong to the the party they are attempting to contact. Yet, Harris and Harris continue to call!
Product: Money transfer, virtual currency, or money service

I opened an account with coinbase.Com and XXXX  XXXX XXXX XXXX is owned by coinbase. 
I believe I opened the account in XXXX or early XXXX, I wired XXXX XXXX dollars in XXXX transactions. 
With that I purchased XXXX bit coins, XXXX etheric and approximately XXXX light coins. 
That was on XXXX XXXX I first purchased XXXX bit coin and XXXX or XXXX light coin on coinbase I than sent another XXXX to XXXX XXXX wired to finish my purchases of which I still have approximately XXXX or XXXX in us dollars still availible in my XXXX XXXX account. 
On XXXX XXXX XXXX I tried going on to my accounts and it said contact coinbase something expired. 
I called the so called support and confirmed my account was frozen, with no explaination I was told I 'd be contacted by support by email, nothing came so I again called and go the same runaround support will contact me. 
So today XXXX XXXX XXXX I called again and was told the more I call the longer I will wait. 
I also received XXXX bit cash coins as bit coin split, my account value as of today is Approximately bit coin XXXX Ethereum. XXXX Light coin. XXXX Bit cash. XXXX Grand total. XXXX us dollar value I so annoyed I ca n't trade no explanation I 'm missing out on fluctuations
Product: Checking or savings account

Restoration Account Privileges Customer was advised by BoA to close her account when she reported fraudulent activity reported above. All BoA accounts were affected since they were ( and are ) all linked. At the financial center located on XXXX XXXX XXXX, XXXX, VA XXXX, customer was advised to close and re-open account for security purposes. Customer enquired about the implications of closing and re-opening the accounts, to ensure that the old account privileges were/are transferable to the new account. BoA responded in the affirmative and assured customer that account privileges would be preserved and transferred to the new account after a couple of days. Customer was advised to return to the financial center or call the customer service number and the privileges would be restored. BoA has not honored this assurance, and customer still awaits in dismay. Please review details on account notes, from XX/XX/19 when account was closed and re-opened, and the phone conversations with multiple BoA representatives on XX/XX/19 from XXXX XXXX -XXXX XXXX, including XXXX of Texas, who again on the call noted that the privileges could be restored, but later changed her mind after putting me on a brief hold, for a consultation off line.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a long time since I viewed my Credit Report and upon checking my Credit Report, I was appalled by the Credit Bureaus lack of concern with a consumer 's Credit File. I noticed many erroneous information being reported on my Credit Report. Im now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts 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 accounts 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 is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$190.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

2 times this month I tried to mobile deposit a check through citizens bank. They both were labeled fake. The first one was labeled " altered '' and the second pne was labeled " frorged ''. I swear I did not know the checks wouldn't go through. My bank account was frozen on XX/XX/XXXX and is set to be terminated permanently on XX/XX/XXXX. The checks were from a company that just hired me and were supposed to help me buy equipment for the job. They were sent to me as screen shots that I had to print out.
Product: Credit reporting or other personal consumer reports

These are Inquiries that Im disputing below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have reached out to each company and i was told to file a identity theft report and to call each bureau and notify them about the situation which Ive done already
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX XXXX  EST, I call the 5/3 's credit card dept. to make a payment. My payment is due on the 8th day of each month. I spoke to an XXXX in CC who refused to accept my payment because I would not agree to a payment on the XX/XX/XXXX, so 5/3 bank can charge me a late charge. The claim that their payment have to be made by XXXX on the due date or it is considered late. I refused to agree to a XXXX payment, and She nor the supervisor XXXX would accept my payment. This is a predatory practice in my opinion. I want my XX/XX/XXXX payment processed without paying a late charge. 
In XX/XX/XXXX when I opened this account they offered {$250.00} to open a checking account with this bank and maintain a specific balance for 60  days. The banking rep was XXXX at XXXX branch in XXXX, NC. After 60  days passed I did not receive the money, when I contacted her and the branch manager about the checking account promotion XXXX. XXXX said the money had to be maintained in a check account for 60  days, not a savings account ( I opened both accounts ). XXXX knew the reason I opened those accounts was because of the {$250.00} promotion and I brought here the mail flyer I received. I told I wanted to take advantage of the promotion and she NEVER reiterated the fact that the money had to be in a checking account. I have complained to the branch Manager later and she Never responded to my complaints. I went to close my accounts with 5/3 and XXXX and pull my money out of this bank and the branch manager claim she could not give me my money, and she would follow up but I never heard from her. 5/3 is the most useless consumer unfriendly bank I have ever dealt with. I will be making my XX/XX/XXXX payment online. I do NOT expect to be charged a late charge for XX/XX/XXXX. I also want to be credited the {$250.00} that was due me when I opened the accounts last XX/XX/XXXX.
Product: Debt collection

This debt is illegally being reported to my XXXX and XXXX Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal.

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied.

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility.

What I want?

I want this debt listed by _____ immediately removed from all of my credit profiles.

They will ask have you tried to resolve this issue with the company.

I have tried to resolve this and they are unable to verify that I have a debt / document with their company.

That should be it. Make sure you put your social and email so they can respond and notify you of updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

My father is XXXX XXXX XXXX My name is XXXX XXXX XXXX That account is under my fathers name and I never co signed for the car. My father is deceased now. I am not responsible because I have 2 vehicles I own and never drove the vehicle he had.
Product: Credit card

My XXXX accounts was paid off then I got scammed and funds was returned and I got overdrawn big time
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. the situation raises concerns about protection laws and I am requesting your assistance in investigating this matter to ensure my rights are upheld. Thank you!
Product: Credit card or prepaid card

On XX/XX/2020 i recieved my first paycheck from my employer, a temporary staffing agency named XXXX, via the comdata paycard they gave me. I was a new employee. Advised by XXXX that I would need to fill out a new application etc. I had not been affiliated with them in many years. On my pay day I noticed that Comdata took {$8.00} from my wages. Per Comdata 's agents this money was taken from me because of a past due 6 years old debt that i didn't know existed that originated in XXXX. I am now in XXXX. Comdata had not notified me of any debt to my knowlege. I contacted comdata and the nightmare began. i spoke with several different agents to only be hung up on continously by XXXX agents while i was still speaking and one agent in particular, a supervisor by the name of XXXX, taunted me continuously by saying i should " Sue Comdata '', implying that would be the only way to have my stolen funds refunded. I was also given conflicting information about the alleged debt. On XX/XX/2020 I spoke with XXXX, an agent from Executive Support, who was immediately hostile, angry and rude with me. XXXX inferred i was lying and said that phone records show i was told the money would not be refunded. However i was never told the money would not be refunded during my calls and in fact, an agent from Support named 'XXXX  ' stated a request had been made to the backoffice to refund the {$8.00}. After being accused of lying by Executive Response agent XXXX and after i had asked to be escalated higher and rebuffed by XXXX and told there was no one i could speak to higher than her - i requested to be given the name and address of Comdata 's registered agent - which by State law they are required to give - and XXXX did not provide this. Comdata has been deceptive in its dealings with me by lying in wait, for 6 years, to collect a debt i had no knowlege of in XX/XX/2020, without any notice and this violates Section 5 of the FTC, as well as numerous consumer protection laws through the state and Federal Government. I had a right to be notified of this debt before my finds seized and I had a right to contest the debt. XXXX lied in wait for me for years and seized my paycheck when the opportunity arose. Completely blindsiding me.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XX/XX/2018, I submitted a request for a Goodwill Adjustment to my credit file and the following response is being submitted as my request was unreasonably denied based on the circumstances surrounding my request : Made several attempts to return phone calls to the company. On each occasion received voice mail message. Left messages for a return call. Never received the same. In any event, my request was for a simple deletion of 1 late payment of 30 days. My unforeseen circumstance was presented with documents verifying the same. The death of one 's spouse is a very devastating event and this was the sole reason for the missed payment as the account is now satisfied and paid in full. Not asking for the entire record of the account be deleted, just the one 30 days late reported. This action would not be unlawful in any event. I still think the company is being unreasonable based on the circumstances surrounding my request for said Goodwill adjustment.