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

XX/XX/year> Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration and disappointment with the ongoing inaccuracies and lack of resolution regarding my XXXX XXXX  XXXX account, number XXXX. Despite numerous attempts to rectify these issues, both directly with XXXX XXXX XXXX and through previous complaints to the CFPB ( XXXX XXXX XXXX ), the problems persist. 

This issue has persisted for over 195 days, causing significant stress and financial hardship. I implore the CFPB to take immediate action to resolve this matter and hold XXXX XXXX  XXXX accountable for their repeated failures to correct these inaccuracies. 

Specific Issues : Incorrect Account Status : The account is erroneously marked as " Charged Off/Never Late. '' This is contradictory and misleading, and may violate 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ).

Inaccurate Balance Reporting : The reported balance of {$150.00} is inconsistent with the {$450.00} written off. This discrepancy may violate 15 U.S.C. 1681i ( a ) of the FCRA.

Misleading Payment History : The payment history provided is confusing and does not accurately reflect the true payment timeline. This may violate 15 U.S.C. 1681e ( b ) of the FCRA.

Incorrect Closure Reason : The stated reason for closure, " closed at credit grantor 's request, '' is inaccurate and misleading. This may violate 15 U.S.C. 1681e ( b ) of the FCRA.

Impact on Credit Report : These inaccuracies have negatively impacted my credit report, hindering my ability to obtain credit, housing, and other financial services.

Previous Attempts and Lack of Resolution : I have previously contacted XXXX XXXX XXXX  to dispute these issues. Despite assurances from their representatives that they would investigate and resolve the matter, no corrective action has been taken. I have attached copies of emails and correspondence to substantiate these claims.

I demand that the CFPB take immediate action to resolve this matter within 14 business days. This includes investigating the inaccuracies, ensuring that my credit report is corrected, and holding XXXX XXXX XXXX accountable for their repeated failures to comply with fair credit reporting practices, specifically 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681e ( b ) of the FCRA. 
Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Portfolio Recovery is harassing me and threatening me with drastic collection tactics even though I receive XXXX. I do not owe XXXX.
Product: Credit card or prepaid card

In XXXX I called Indigo XXXX aka Gensis Bank, advised I was going out of the country to XXXX and provided the dates. Shortly before my trip ended on XX/XX/2022, my card would not work. They took payments but my card would not work. I called, I was told by a csr my card had a fraud alert and not to worry they would release the alert in 24 hrs. Since XX/XX/XXXX, I have called a total of 15 times if not more. I have been told my card works, no hold, there is a hold, a block is on the card, a new card has been sent out, a new card hasnt been sent out and ultimately escalated my issue several times to an account manager. I requested a new card be expedited and that took 4 days and advised that it would be 3 business days for an answer upon calling, on day 3 Account Manager named XXXX employee ID # XXXX, said oh yeah I will call you back today and that I had to wait. No call back was received on day 3. I received a call back from a XXXX he stated no phone number or extension made no attempt to help me. So I call back and speak with another account manager he states my card has a block and can send me a new one in 15 days. Absolutely unacceptable. No one at this place took accountability, gave out consistently wrong information and made no attempts to actually help me. They are located in XXXX and the XXXX, Im scared these people are selling personal information. 30 days I tried to get what should have been an easier solution but instead was given the round around, wasted my time my energy, while they pretended to care and figure out the issue. Id like to report this company as in this time frame they took my money with no problem, and fraudulently advised wrong information as to the status of my account. Their online system is of the dinosaur age, no notification that my card didnt work, no text message no follow up by phone, email or mail. This company needs to be investigated. I find it interesting my credit had shoot up, my other card with XXXX two credit increases and low APR. Indigo with Genesis never changed my credit limit nor adjusted the APR. I 100 % believe they are scamming and selling information of their customers.
Product: Mortgage

Our loan was transferred from XXXX XXXX XXXX to Seterus. After a few months with Seterus, the loan was modified to a XXXX year, 4 % loan, adding back the delinquent interest from the B of A loan. 
Since then, the extra principal payments have not been applied in a timely manner, and the interest charged has not been reduced by the extra principal payments. 
My amortization of the loan shows that we should owe {$12000.00} less than Seterus shows.
Product: Credit card or prepaid card

They are calling threatning to sue and or garnish wages for a debt that is 15 years old that im not aware for chase bank they are calling my job and my wife the calls im recieving are from some legal courier service the statue of limitations in the state of nc is 3 years this is 15 years old
Product: Debt collection

Good day, My name is XXXX XXXX, my family and I when we were first moving to XXXX we signed a lease to move in to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX in late XX/XX/XXXX but we did not find the place to be comfortable mostly there was a constant smell of smoke at night so I decided to move out as I'm a XXXX XXXX and was already not feeling well. I also was hospitalized in XX/XX/XXXX due to XXXX XXXX and had an XXXX done at the XXXX  XXXX XXXX on XXXX, XXXX TX. 

I described my XXXX XXXX problem and the continuous smoke through the XXXX XXXX XXXX vent at night and requested to terminate and leave their apartment. At that time I asked them about any extra fees or charges and discussed lease agreement says it will be {$800.00} something charges on my lease pg 9 but the XXXX XXXX property Supervisor informed me that it will not be an issue as long as I move out of their apt in 4 days which I did. I left their apt in 4 day time frame and did not damage anything. Nothing no information on the early termination charges are placed by the XXXX XXXX XXXX and I have communicated with them in XXXX in the time I left as to collect my postal mail. I left in good terms with the XXXX XXXX XXXX and they never asked me for any additional payments. 

I'm not sure where this collection company National Credit Systems has reported a collection debt in my name and it is reported on my credit file. I never received any info on this until when in late XX/XX/XXXX and early XX/XX/XXXX through my daughter loan officer. My daughter was trying to get loan approval and asked me to be her cosigner but the loan officer informed that I have a collection charges in my name. I never was aware of this or contacted by either the collection company National Credit Systems or XXXX XXXX XXXX while these charges have been posted since XX/XX/XXXX. It is not fair to me. It is not just impacting my score but I can not help my daughters out with either their loan applications or even signing for utility company such as XXXX as even that my daughter had to do for me as she has a good credit. I need help in getting rid of this false collection charge by the company National Credit Systems. If there was an early termination per lease agreement then XXXX XXXX XXXX should have given me that correct info and my financial responsibility at that time when I was vacating specially when I did inquire and expressed my financial obligation. If they never provided me with that info or any requests to pay the early termination charges at that time then why is this National Credit systems unnecessarily claiming such charges on my name, makes no sense. I would have never known anything if my daughter loan officer didn't give us the info including the collection company info. Please guide me and provide some assistance. Thank you.
Product: Student loan

MOHELA is unable to answer phone calls or messages through their message center. I believe they may have broken a law regarding reinstatement of a law without my signature. I have asked several times if they got a judge to sign off on the reinstatement. Over the phone I was told that the law does not apply to student loans. 

I have reached out several times via messages and have gotten no response. Currently, I have two loans with MOHELA one is my true current loan and the other is leftover money that was generated and reinstated by their mistakes. 

Following a previous complaint we had agreed to backdate any payments I made on the first loan so that it would waive all interest. We have had some snags with that arrangement. First, it took over a month to iron out any details. Then, there was an issue with changing the date on it and it would charge me late fees and weird things. Lastly, a condition of this plan is that I have to call to have any payments backdated. I am allowed to call about several payments at a time, but my issue is that I do not trust the company to honor this forever. 

Their lack of responsiveness and my previous experience calling them, lead me to believe that if the 1 person at the company who was able to help me leaves I'll be back to square XXXX. For this reason, I no longer want to be held responsible for loan that their mistake generated. I feel like this company is incompetent and will not be able to provide adequate loan services to me in the future. I am fully willing to repay the full amount of my true current loan, as of XX/XX/23 {$20000.00}. 

Please help me deal with the situation. MOHELA is entirely unhelpful, and I need representation. If the CFPB is not able to provide me with this kind of support please tell me who would be able to provide it.
Product: Debt collection

Accounts were opened under my name without my permission/consent. I never gave anyone permission to open accounts, the accounts were charged and then never paid. This left me with debt that is not mine.
Product: Debt collection

Consumer Financial Protection Bureau, I have spoken with XXXX at Conrad to discuss my account directly. I had my daughter on the line so she could talk to XXXX about this matter, as my nerves could not handle the conversation. During the phone call, we asked XXXX to provide in writing that Conrad did not own the debt. She verbalized that they did not but refused to provide that in writing because she did not have a templated response to that question. We then asked her to provide in writing that Conrad would not be pushing the debt back to the original debtor, XXXX XXXX. Again, she verbalized that the account would not go back, but because she did not have a template, she would not send that information in writing. I find it odd that Conrad can not fulfill these requests. After clarifying my position, I find it strange that they will not send the debt back to XXXX XXXX. I have a right to speak with XXXX XXXX directly about my account, but Conrad will not allow me to do so now. I have tried to solve my issues with XXXX XXXX directly, but instead of dealing with my problems, they sent me to Conrad, who is now making everything much more difficult. We have explained multiple times why we do not feel we owe anyone anything and our reasons for wanting to be released from our timeshare, yet no one listens. Hopefully, your influence will produce a better outcome. 

XXXX XXXX
Product: Credit card

XXXX - XXXX XX/XX/year>, I applied for the CapitalOne Venture Rewards credit card. I was approved and there was a XXXX mile sign up bonus. When I received the email about my new account, it was for a different product, the Venture One card. I immediately called and they said there is nothing they can do, but there is at least a XXXX miles reward once I spend {$500.00} in three months. It is now one month later, I have spent the {$500.00} and I spoke with four different CaptialOne representatives who let me know that they are not going to honor their current promotion, even though it is still stated online and I was told by a representative I have that sign up bonus. I just called and filed a complaint through their company and closed my account.
Product: Debt collection

I was called by an unnamed " collection '' agency that claimed I took out a XXXX XXXX loan in 2014 from a company called QC holdings. They knew my full social, and address, however they used a former last name. The debt has since allegedly been procured by the company, who refused to give me any information at all, other than if I didn't pay it over the phone it would be much worse in court. I have since checked my credit history to be 100 % sure and no such debt exists. I called the company back telling them they were fraudulent and got hung up on.
Product: Credit card

My accounts with XXXX and Walmart stores are both past due/ over limit respectively. Unfortunately, I 've fallen behind on them as well as other accounts not related to Synchrony Bank. The minimum payment due on each account is more than I can afford and have made payments, attempted to honor them, ended up having to place a stop payment on them in the past. The minimum payment due will have to be lowered some how, I can afford around XXXX a month. There are payment options offered when making payment on web-site, however, the amount ( s ) requested are no where near XXXX a month and or do not avoid any over limit fees or other fees.
Product: Credit reporting or other personal consumer reports

Draft me a dispute letter regarding my information being exposed in the Equifax data breach and include the FCRA 605b and 15 USC 1681c-2
Product: Vehicle loan or lease

Hello, On XX/XX/XXXX my car was repossessed because of the lack of payment. Several times did I try and get assistance for hardship and refinance however they did not approve me to do so and I stopped being able to make my payments back around XXXX. 

Again my car was taken on the XXXX. I was able to get my parents to make my past due payment and the repo fees on Friday XX/XX/2021. I was told that it would take 1-2 business days for the release paperwork to process. It is now XXXX and I still dont have access to my vehicle. I paid First Tech in the amount of XXXX. The lot attendant that they choose to work with closes daily at XXXX. First Tech special assets dept is 3 hours behind so when they are opening the lot is closing. I expressed that I needed a vehicle to get around in during the holidays and asking for what step in the process am I in so I know what is taking so long. The agent XXXX XXXX ( XXXX ) was very rude and condescending saying things like I should have taken care of this before, I wouldn't be in the situation etc. I am going through a divorce and experiencing financial hardship. I dont need to be reminded of what I should have done. I want to get my vehicle because I paid my portion of the balance and now they need to do their job. From the beginning XXXX never let me know it would take as much time as it does. The lot will be closed on Thursday and Friday this week. That means after today, I wont be able to get my car back to at least Monday. The dept keeps speaking of I have to wait on the process. I asked what the process is and what part I am in and XXXX couldnt give me a straight answer. This bank has been horrible to work with. I take ownership for my XXXX and not being able to pay and communicate when I did but I am trying to be deligent so that this doesnt happen again.
Product: Debt collection

I'm formally notifying your company that if the situation isn't rectified within XXXX  days, I'll file a complaint with the FTC. You must respond within XXXX  days as required by law. Non-compliance may result in fines of up to {$1000.00}. Please provide the requested documents within XXXX  days to avoid further action. 
XXXX, XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

Filed a case on XXXX, XXXX about fraudulent debit card activity after finding out that my debit card had been compromised and someone had withdrew {$900.00} from my checking account and {$1900.00} from my savings account in a Bank of America branch in XXXX LA . The withdrawals happened at around XXXX XXXX on XXXX and the moment I woke up and got a notification of the withdrawals via a survey from a video teller named " XXXX '' ( I was in XXXX XXXX at the time and the email survey was sent at XXXX ) I immediately told Bank of America that this was NOT an authorized transaction, but the amounts posted and I therefore filed my case. Since then, Bank of America has done everything imaginable to avoid giving me back my stolen funds. After filing my case, I waited a month before filing a CFPB complaint in which that was the only time they touched my case, to which they denied it just a few days later saying that " because your pin was used, it was an authorized transaction ''. When I asked for photos or videos of the transaction as proof it wasn't me, they told me that they can only give it to law enforcement or a lawyer. I then proceeded to file a reconsideration case and a police report for the fraud on XX/XX/XXXX, to which a police investigator was assigned to the case and requested the bank photos/video on XX/XX/XXXX, to which until this day ( XX/XX/XXXX ) they have STILL not released the photos to my POLICE investigator regarding a POLICE crime case. They then closed my reconsideration on XX/XX/XXXX without notifying me because " I did not provide any more evidence '' even though I called Bank of America and provided them with the police case number on XX/XX/XXXX which was the following Monday. Because they closed my reconsideration ( with failure to notify me ) I  called and the man I talked to opened another reconsideration case for me. Since then I have talked to multiple people of Bank of America asking about the photos/video requested by my investigator and all of them have given me the excuse that " it is out of their jurisdiction and we do not have direct contact with our security division, therefore I can not address your concerns of the photos/video not being provided ''. Bank of America has done everything in their power to avoid investigating my stolen funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is report incorrect information on my credit report. The payment history for XXXX XXXX XXXX account is in correct. I am requesting that you deleted all XXXX XXXX   XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor is reporting inaccurate information on my consumer report. Ive asked for verification, and they failed to verify the account. Furthermore, the account is inaccurate because it is listed as an inaccurate status that does not correspond with the status that the account is in. I requested the form 1099c as per the IRS when the account is in charged off status or a form 1099c has been filed and ignored that request and it seems that a form 1099c was not filed therefor the account was not charged off. So, its been reported inaccurately and pursuant 15 U.S. Code 1681s2 this account must be deleted pursuant those laws.

In addition, they are in violation of 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title -nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

This means XXXX XXXX  a financial institution has disclosed nonpublic personal information to nonaffiliated third parties Equifax, XXXX and XXXX. 

nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX and XXXX Account # 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
Product: Checking or savings account

Hello and thank you for taking the time to help out with fraudulent transactions that Ive already reported to Bank of America On XX/XX/XXXX a transaction from XXXX posted onto my account and every other day since then there has been charges ranging from {$60.00} upwards of {$300.00} I reported these already to Bank of America and have my police report number, I was advised to hold onto these details incase the investigative team asks for it later I wanted to reach out because I havent received my credit for these transactions and any help would be greatly appreciated, thank you
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> LVNV FUNDING LLC C/O XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear Sir/Madam, I am writing to dispute the following information in my credit report. I have reviewed my credit report and found that it contains inaccurate information. According to the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information you report is accurate and complete. 

The item I am disputing is LVNV FUNDING LLC XXXX. This item is inaccurate because I never signed a contract with them so I am not entitled to pay anything. They also have failed to send me any contract agreement so its fraud for them to be reporting to my credit especially without my permission. 

I am requesting that the item be investigated and corrected or removed from my credit report. 
Please conduct an investigation of this matter and correct the disputed item as soon as possible. According to the FCRA, you are required to complete your investigation within XXXX  days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX