23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LNVN Funding LLC RE : Validation Requested RE : Account # XXXX To whom is may Concern, I dispute your claim and I am requesting validation from your pursuant to the fair Debt Collection practice ACT 15 USC 1692g SEC 809 ( 8 ) FDCPA. Provide breakdown of fees including how you calculated what you claim I owe. Provide a copy my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect a debt in my State. Send this information to my address and accept this letter sent as my formal debt validation request which I am allowed under the FDCPA. I will await your reply with the above requested proof Upon receiving it, I will correspond back with you.
Product: Credit card

US Bank credit card offered a Interest free balance transfer offer of 0 % for 13 billing cycles. I took advantage of the offer and the next billing cycle US Bank closed my account and raised the rate APR to 25 % with no reason why they closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting act XXXX Account number : XXXX has violated my rights. 

15 USC 1681Section 602 states I have the right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166BB : CREDITOR MAY NOT TREAT AN PAYMENT ON. A CREDIT CARD ACOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

15 US CODE 168 1A : STATES INFORMATION SOLEY AS TRANSACTIONS BETWEEN CONSUMER AND PERSON ONLY.
Product: Credit card or prepaid card

NAVY FEDERAL XXXX  NOBODY RESPONDED TO MY PREVIOUS CFPB COMPLAINT OR MY XXXX COMPLAINT TO EXPLAIN WHY THEY SUDDENLY MADE MY XXXX  CREDIT CARD IMPOSSIBLE TO USE FOR MY MONTHLY CELL PHONE BILL DESPITE THE FACT THAT I'D BEEN USING IT FOR XXXX YEARS WITH NO PROBLEM, I PAY MY BILL ON TIME AND IN FULL EVERY MONTH AND I'M NO WHERE NEAR MY CREDIT LIMIT!!!! THIS IS COMPLETELY UNACCEPTABLE AND I'M STILL WAITING TO BE CONTACTED BY SOMEONE WITH A NAME TO APOLOGIZE AND PROVIDE AN EXPLANATION FOR WHY NAVY FEDERAL FINDS IT NECESSARY TO REPEATEDLY FIND NEW WAYS TO XXXX ME OVER EVEN WHEN I'VE DONE NOTHING WRONG!!!!! IF NO ONE WITH AN ACTUAL NAME WILL CONTACT ME AND RESOLVE MY COMPLAINT AS I'VE REPEATEDLY REQUESTED, I WILL TAKE LEGAL ACTION IMMEDIATELY!!!! NAVY FEDERAL HAS ABSOLUTELY NO RIGHT TO DENY ME THE USE OF MY CREDIT CARD FOR A VALID TRANSACTION WITH NO EXPLANATION WHEN I'VE DONE ABSOLUTELY NOTHING WRONG!!!! THIS REQUEST SHOULD NOT REQUIRE NAVE FEDERAL TO TAKE MORE THAN THE 15 DAYS TO SATISFACTORILY RESPOND SINCE THEY'VE ALREADY HAD OVER A MONTH!!!! NAVY FEDERAL SUCKS!!!! CUSTOMER SERVICE SUCKS!!!!
Product: Mortgage

On XXXX/XXXX/XXXX, I phoned in my XX/XX/XXXX payment and I was told that I am still one payment behind when I questioned them about the statement still showing due for 2 payments and also accumulated late fees. The payment in question, is my XXXX XXXX payment, which was XXXX of the 3 month trial payments for the modification. This payment along with XX/XX/XXXX and XX/XX/XXXX payment was phoned in on XXXX XXXX, XXXX. I was asked to send in proof of this payment, which has been done numerous times, but I still sent my bank statement showing the money coming out on XXXX/XXXX/XXXX. Spservicing also responded to my complaint filed with you XX/XX/XXXX that my loan was current and only due for the XXXX/XXXX/XXXX payment. Refer to case # XXXX. They were also suppose to fix my credit report which they have not done as of today 's date. I was told they are reporting me a rolling 30 day with accumulated late fees which I am refusing to pay because I was never late and have never missed a payment. After they applied all of the payments received in XX/XX/XXXX, I had an excess of escrow payments which they did refund to me and I also have XXXX in unapplied payments. If I truly missed this payment, how could all of this be possible? Proof of this XX/XX/XXXX payment was faxed again on XX/XX/XXXX and I also followed up with a phone call that it was received and in their possession. 
It is sad, because when you speak with their representatives, they think that CFPB is a lender and NOT the consumer financial protection bureau. I never had a problem with them, when I was paying at a rate of 5.875 % on an adjustable rate mortgage. As soon as I was granted the modification, that is when all of these problems started for me. I feel that there is some discrimination going on here as well.
Product: Vehicle loan or lease

Traded in a vehicle and requested a refund for gap insurance and never received it. This occurred with 2 vehicles finance through Wells Fargo. I would like to get a refund on the gap insurance for the 2 vehigoes. One was paid off and 1 was traded in.
Product: Debt collection

I have once again tried to contact this company. Today. 
I was told that they have to send me to another department as they cant help me yet they never once asked why I was calling. 
I was then transferred to a person who identified himself as XXXX XXXX who then told me the same thing. I was then put on hold and subsequently sent to a voicemail. 
I was trying to ask why they are reporting this debt, who they got my information from as XXXX declares in their contracts that they do not sell or give info to third parties. 
Both these companies have been selling my securities over and over Also, Jefferson capital claims my account opened in XXXX of 2023 which is incorrect
Product: Mortgage

I have three mortgages with XXXX XXXX that have been transferred to Truist Bank for servicing. I received a letter on XX/XX/2022 from XXXXXXXX XXXX  for each loan stating that my servicing was being transferred to Truist Bank. This letter also said that I would receive a letter from Truist about my new account. I never received those letters. My mortgages are due on the first of each month. I have been trying to set up an online account with Truist since I got the letters from XXXX XXXX When I attempt to do that on Truist Bank 's website, I get an error message and a message that says I need to call Truist Bank after XX/XX/XXXX. I have called several times with no action on Truist 's part to allow me to pay my mortgages. Today is XX/XX/XXXX, so I call Truist Bank to set up the online account so that I can pay my mortgages, and after being on the phone for over 30 minutes, I was told that to pay my mortgages, I would have to sign up for an online bank account with Truist Bank first. I do not want to do this, and it seems that they are purposefully making it difficult for me to make a payment. I just want to pay my mortgages. I feel like this is a violation of the law ( requiring me to sign up for a bank account to be able to pay my mortgages ) and tramples on my rights as a consumer. I didn't ask for any of this. I just want to pay my mortgages.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/XXXX I sought out to settle and invalid State Tax Lien with the State of Georgia orginallly filed in 2011. In order to have it removed and " withdrawn '' I needed to settle an amount with them. After this was complete I filed a request with TransUnion to have lien withdrawn ( removed ) from my credit report as it was filed in error to begin with ... However, tranunion did not remove the lien. They actually updated it to only reflect the lien released which lowered my credit score but 26 points! I have tried to call them and speak with them but it was unsuccessful. It is impacting my closing on my home purchase. The State of Georgia is suppose to be sending me a letter but I wo n't get it in time. I need this state tax lien removed immediately. Please help. I will attached the cancellation document I originally received from the state and well as a screen shot of the current active lien listings for the state of Georgia to show that it has in fact be Removed and my name is not on the list. Please help get this fix for me asap. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX 's mailing address for dispute requests is : XXXX XXXX XXXX XXXX, TX XXXX Re : Verify Chapter XXXX Bankruptcy ( s ) Correct Status To Whom It May Concern : I am disturbed that you continue to list a bankruptcy that has not bern confirmed within my credit file in the last 30 days. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Furthermore, these credit bureaus are in violation of : 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reportsExcept as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of in

formation : ( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer reports. These agencies have failed to notice my credit report noting the dispute and has failed to verify the status of these two public records through the US Bankruptcy Court Clerk, Address, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, as the sole source any information regarding a bankruptcy based upon my residential address. 

Violations by the of XXXX and XXXX Credit Bureaus : 30 days investigation and verification of information 15 days to notice dispute on credit report 15 U.S. Code 1681i - Procedure in case of disputed accuracy | US ... 
XXXX XXXX XXXXXXXX ( 3 ) Determination that dispute is frivolous or irrelevant .... by not later than 15 days after receiving a request from the consumer for that description. ... file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the ... The consumer reporting agency may limit such statements to not more than one issue.
Product: Debt collection

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/2022. I received no response. I then mailed a second letter validation letter, which they received on XX/XX/2022. 
I have given well over 30 days for the company to verify this erroneous information with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by in the State of GA on or about, , and resold on or about XXXX Under the laws of the State of GA UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. There was no full investigation of reasonable procedures for my dispute requests NOR was my DEMAND for validation through documentary material met. I was only given an updated report, that showed no updates.. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void and any continued collection activities, or continued reporting of this invalid claim on my credit reports, will be considered a violation of the FDCPA and FCRA.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I signed up for 12 months no interest financing at XXXX XXXX. I received my first statement with a due date showing the XX/XX/XXXX of every month. I then set up my bank for auto bill pay for the XX/XX/XXXX of each month so the check would have plenty of time to reach them. On the XX/XX/XXXX statement the bank changed the due date to show XX/XX/XXXX when the statement stated XX/XX/XXXX. I was unable to make the necessary change in time and was charged all 12 months of interest. {$840.00}. 

I feel this is criminal activity and should be looked at closely. I made every payment on time and missed the last one. I am asking that they reverse all interest charges as I have paid my balance in full. Now they are trying to hurt my credit. I received a letter from XXXX  showing a negative item. This is really unfair. 

Please let me know what I can do to rectify this. I reached out numerous times and there was no satisfying resolution. 

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

Experian is in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
Experian XXXX ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language to describe a paid-in-full as a charge_off is damaging to a potential lender when looking at my credit report. Your reporting is inaccurate. Please get in touch with the creditor to confirm that this account was paid as agreed. 

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 ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full as agreed after a consumer dispute with the creditor. Using derogatory language to describe a paid in full as agreed damages a potential lender when looking at my credit report. Your reporting is inaccurate. Please contact the creditor to confirm that this account was paid as agreed. 

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 ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was settled and should not appear on my credit report as owing a balance. You can not report a charge off when an agent of the creditor accepted payment for this account. Please provide written information from XXXX XXXX  stating they did not accept payment in full for this account. 
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  ( Please delete this account from my report due to its inaccuracies. ) This account information is inaccurate. The account was paid in full and on time and never late. You are showing late payment history on an account that was never late. Please remove the late payments from this account because it is inaccurate. The account was paid, and the creditor did not report accurately. 

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: Debt collection

On XX/XX/XXXX I sent a debt validation letter to this collector and they have since failed to validate the debt or even respond. After the XXXX  days given to respond expired, this is now being reported to my credit report on XX/XX/XXXX, which is a clear violation of the FDCPA. Swiftly remove the debt and credit report remarks before I file suit. This will be my last attempt to resolve this matter before suing.
Product: Credit card or prepaid card

This payment of {$350.00} is the final payment on this undisclosed closed account facilitated over a year ago without any notice to customer. I am paying the final amount minus any interest due to failure of Chase to notify me of any changes in XXXX and XXXX. When I facilitated phone conversations with Chase, I was not told account closed and what was owed at the time as I made payments and then tried to use the card and was declined, I still did not receive notice account closed. I had 3-times notified Chase of address change from an apartment in XXXX to my residence address at XXXX XXXX XXXX XXXX XXXX NM XXXX. I now have received bills for 4 months indicating they did not change the address till XXXX. I am not responsible for lack of follow through on your departments failure to contact me in appropriate time to make the balance due at the time. Instead each month a new late charge was added to increase the closing bill with additional charges. That is the challenge I will follow up on with Chase Headquarters, Consumer Financial Protection Bureau, & FDIC. I find it disingenuous to never have my chase account listed on the credit bureaus during the time it was active and up to date on payment and now you are reporting it as a debt problem.
Product: Credit card

I opens up CareCredit card XX/XX/XXXX. XXXX. Made my first payment XX/XX/XXXX XXXX that is minimum. XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX payment. On XX/XX/XXXX I was charged late fee. Told they would wave late fee only one late fee was waived XX/XX/XXXX it said I had balance past due XXXX it wa incorrect I had made 3 payments to this card. CareCredit tell me beacause i didnt wait bill to print made payment early I owe them XXXX payment is due today Im gon na be charged late fee. Also told me that they never prossesed one of my payments that unfortantly theres nothing they can do proof they got money bank stamens Im not allowed to make payment early that payment is due XXXX of each mth
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the 30 day delinquent reporting when I learned of it by applying for a loan on XX/XX/18. 
I submitted a written letter to Freedom Mortgage Company and requested to investigate my complaint and to remove the 30 day delinquency notice because the payment was made to their company on time. 
I am writing to request assistance in having a 30 day delinquent entry removed from my credit report from all 3 credit bureaus. 

The correction of the error being sought is described below in regard to the mortgage on my property. 

A 30 day delinquent entry on my credit report by Freedom Mortgage Company because of an escrow shortage ; which is only a proposed or projected change. Its was not an actual payment that made that the company made and needed to recouped. Further, the proposed or projected escrow change was paid in full once Freedom Mortgage Company was contacted. 

Payment application errors : Freedom Mortgage Company rejected the full payment I made in XX/XX/2018 in the amount of {$1200.00}. It was not applied to the loan or returned to me. Why was it not returned to me if it was short within a timely fashion to avoid it being 30 days late? Freedom Mortgage Company should not be unjustly enriched by unapplied funds sitting in their account that was intended to be applied to subject mortgage loan. 
Freedom Mortgage Company did not properly credit the payment received on XXXX XX/XX/2018 in the amount of {$1200.00}. Said payment should have been credited to : Freedom Mortgage Company Loan #. 
Freedom Mortgage Company credited the XX/XX/2018 payment on XX/XX/2018 ; which resulted in a 30 day delinquency notice being placed on my credit report and a significant drop in my credit score. 
The payment should have been applied on the day it was received in accordance with 12 CFR 1026.36 ( c ) ( 1 ). 
Freedom Mortgage Company should be required to remove the delinquent entry. It is harsh, detrimental and unjust. 
Mortgage Companies should be required to notify consumers via certified mail, phone or fax if unapplied funds are being held because of the adverse impact it has on a consumers credit worthiness, standing and capacity.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated this things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete this account : XXXX XXXX XXXX XXXX
Product: Checking or savings account

Problem : Wells Fargo Bank loss of an account in their system and no longer able to access 5 accounts online. I have had online mortgage banking with Wells Fargo since XXXX and had online access. I am going through XXXX and working with two estates so online banking is important. I had two accounts with one estate and opened a third account in XX/XX/XXXX. I open two more accounts on XX/XX/XXXX. On XX/XX/XXXX I had tech support help because one account was not visible. All my accounts were then wiped out on the system and I could not get online. I'm only receiving paper statements for two of the 5 accounts. I was sent to branches twice and the employees couldn't find the account with. The money is needed in all these accounts for taxes and other expenses. I could write checks on some of the accounts but this doesn't always help. I can not close or transfer all the money because they can not find the accounts and merge errors in profiles. I am told 9 day to solution and then another 9 days for a solution and it goes on and on. I am sent to branches with appointments needed, exposed to covid, and immune compromised. I have requested help on XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with no solution to the problem ... ..while dealing with XXXX.