23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Wakefield and Associates is attempting to illegally collect a balance bill medical debt in contravention of XXXX. Despite repeated warnings to both XXXX XXXX Wakefield 's client ) and Wakefield representatives, the debt collection activities have continued.
Product: Credit card

I have had a XXXX XXXX for years that included as the primary benefit, annual companion tickets as a reward. There is a substantial annual fee. Upon renewal this year, I did not receive my companion tickets. When I called, I was told that the companion tickets had been discontinued. I was not made aware till after the fee. I receive all communcation electronically and did not receive in sufficent clarity to know that the primary benefit of the card 's annual fee had been discontinued. I was also told that there was another card with a higher fee that still has the benefit. And then I was told they do not offer it period. 

As a matter of course, the product should have been cancelled and made clear that it is now substantially different. There is no benefit to the annual fee. I asked that my annual fee be refunded. I was denied. 

Due to the poor communciation concerning the elimination of the reward program associated with the fee, I want my tickets or a refund.
Product: Debt collection

CONRAD DEBT COLLECTORS IN CALIFORNIA ; THEY PUT A LEIN ON OUR HOUSE FOR??????? 
WE HAD NO CHOICE BUT TO PAY {$1600.00} TO CONRAD CORP FOR NOTHING. IF WE DID N'T GET THE LEIN OFF WE COULD NOT REFINANCE. SO WE HAVE BEEN PAYING THESE PEOPLE MONEY FOR NO REASON. 

THEY THREATEN, ABUSE, AND THEY KEEP DOING THIS AND I KNOW I AM NOT ALONE. 

IT BEGINS WITH XXXX. THOSE OF US WHO BOUGHT A TIMESHARE AT XXXX IN XXXX XXXX 'S ( WE BOUGHT OURS XX/XX/XXXX ) ARE GETTING CHARGED BY XXXX FOR XXXX FEES EVERY YEAR FOR WHAT???? 

XXXX WENT BANKRUPTED. THEREFORE XXXX MEMBERS WHO BOUGHT XXXX FOR THEIR " HOME '' ( WE NEVER EVEN STAYED THERE BUT YOU NEED A HOME BASE TO USE XXXX ) WE USE THE EXTRA WEEKS AND PREFER TO PAY XXXX THE {$170.00} FOR THE WEEK SOMEWHERE. OUR CHILDREN WE 'RE TO USE THIS FOR THEIR HONEYMOONS. 

THAT WAS THE MAIN PURPOSE FOR THIS PURCHASE FOR FAMILY TRIPS. 

SO BECAUSE XXXX WENT OUT OF BUSINESS ANYONE WHO BOUGHT AT XXXX ARE OUT OF THOUSANDS OF DOLLARS. A XXXX XXXX AS I HAVE RESEARCHED THIS FOR YEARS JUST IGNORES ALL RESPONSES. 

FOR THOSE THAT ARE STUCK BECAUSE WE ARE STUCK AS CONRAD WHO COLLECTS THE FEES FOR A CLOSED HOTEL KEEPS PUTTING LEINS ON HOMES. ALOT OF PREVIOUS OWNERS GAVE IN AND MADE DEALS WITH CONRAD. PAYMENTS THAT ARE NOT OWED TO THEM. 

THESE PEOPLE IN CALIFORNIA ARE MEAN. THEY THREATEN TO TAKE YOUR HOME AND THEY DO!!!! AND SOMEHOW CAN PUT A LEIN ON YOUR HOME, HOW? 

I AND XXXX OF OTHERS ARE STUCK. NO HOME BASE=NO XXXX. 
XXXX WANTS THE PEOPLE WHO BOUGHT FROM XXXX, XXXX, TO DEAL WITH IT. XXXX WILL NOT HELP. 

YOU NEED TO BE AWARE OF THIS AND IF YOU GOOGLEXXXX+XXXX+CONRAD A HUGE GROUP IS WAITING FOR SOMEONE TO HELP. COULD YOU HELP US PLEASE? 

I CAN BE REACHED AT XXXX. ALL WE REALLY NEED IS XXXX TO GIVE US A HOME BASE SO WE CAN BOOK. OUR PURCHASE FROM XXXX/XXXX DOES N'T EXPIRE UNTIL XX/XX/XXXX BUT WHAT GOOD DOES IT DO IF YOU CA N'T EVEN LOG INTO YOUR XXXX ACCOUNT BECAUSE XXXX LOCKED US ( XXXX BASE HOLDERS ) SO WE CA N'T EVEN GET INTO XXXX. 

PLEASE HELP THIS HAS BEEN GOING ON FOR OVER 10 YEARS. I HAVE PAID THIS CONRAD PEOPLE OVER XXXX FOR NOTHING BECAUSE THEY KEEP PUTTING LEINS ON OUR HOME AND OUR LAWYERS TELL US WITH A LEIN YOU HAVE TO PAY IN ORDER TO REFINANCE. THAT IS FAIR? 

PLEASE, PLEASE I HAVE BEEN FIGHTING THIS FOR EONS. 


THANK YOU IN ADVANCE. 

REGARDS, XXXX XXXX XXXX
Product: Debt collection

They call from  one spec ific number, and I do n't answer, Seconds or minutes later they call again using a different phone number, but my call ID says its the same company. I do n't have any debts in collections.
Product: Checking or savings account

I wrote four checks in XXXX for the amount of {$4500.00} each from Wells Fargo, my company is XXXX XXXX. These were stolen from the post office, the thief deposited them in another bank account. I made my report when my customer tells me that he still has not received his check, I discovered that the check had been deposited without any alteration, only that it was deposited in another account, my bank said that I need to wait up to 120 days, it is worth mentioning that the checks were not altered only deposited in another account without the bank noticing that this did not belong to the company that was to be deposited
Product: Mortgage

I am in the middle of a bankruptcy case. I was told that once my loan was included in the bankruptcy that PHH Mortgage would finally give me an answer to my modification request. PHH Mortgage has yet to give an answer after I have submitted my paperwork over and over again. There has been no answer for over 6 years. Now I am facing my bankruptcy case being thrown out of court because PHH will not modify my loan, so I can keep my home. 

AS you can see PHH mortgage does not have a good record. 

https : XXXX They refuse to honestly review my situation for a modification. I just want PHH to review my hardship application, stop making demands for the same information over and over, and give me a final answer once and for all.
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 XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, republic finance : # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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: Checking or savings account

XXXX  XXXX  promised a bonus XXXX  signup bonus for transferring certain amount of assets to their brokerage XXXX  account for a certain period of time. This is the link to the offer which is live as of XX/XX/2020 : XXXX XXXX XXXXXXXX. 

I transferred sufficient assets and held it in the account for >6 months to qualify for the bonus. They did not honor the bonus. When I called in, there was a lot of back and forth and they made up some reason to not give it to me ( " you had to be sent the offer directly via email '' ). They offered to give it me if I held my assets for 12 months instead of 6. I told them no. Very dishonest bank and quite frankly why socialism is so appealing.
Product: Debt collection

Account Resolution Services has been unable to provide proper documentation validating this account. I am seeking immediate action and for the to remove this negative information permanently from my credit reports. Account Resolution is violation of the HIPPA laws. I have sent multiple letters on XX/XX/2017 ; XX/XX/2017 ; XX/XX/2017, asking this company to verify this account and I have not recieved a satisfactory response. The only response I have received is a general bill asking for a payment of {$1200.00}. This this the letter sent to Account Resolution Services for validation of the account. 
This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/2017. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 
Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under the federal law. Compliance with this request is required under the laws of state and federal statutes. 
Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this amount? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 
I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or compliants with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 
In addition, the Fair Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. 
I have sent a copy of the request for validation to the XXXX Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.
Product: Credit card or prepaid card

XX/XX/2021 I called PayPal credit number XXXX XXXX XXXX XXXX Customer service rep ask for all my personal information name address social security number which I gave stating it a a process to speed up processing time after I realized what happened It wasn't PayPal customer service How do I prevent any XXXX XXXX Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

Called Department of education/XXXX in XX/XX/XXXX and expressed that my school loan account was paid off in XXXX XXXX  XXXX. They acknowledged the account is at a XXXX balance and that it should fall off my credit report soon. 

Called DOE/ XXXX once again in XX/XX/XXXX and they provided me with a proof of payoff amount via login to XXXX/DOE account . 

Filed a dispute with Experian in XXXX after balance continues to show up on credit report. 

Experian deemed is as correct. 

Filed a dispute with XXXX XXXX and XXXX XX/XX/XXXX for the incorrect balance. Both credit bureaus successfully DELETED the information balance within a week. School loan for these XXXX credit bureaus updated my account with a XXXX balance. However, Experian has not!
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A COMPLAINT WITH YOUR OFFICE AND YOU SENT ME THEIR RESPONSE, THEIR RESPONSE IS IN REGARDS TO INCORRECT INFO ON MY CREDIT REPORT. PLEASE READ MY COMPLAINT AGAIN SINCE YOU IGNORED MY COMPLAINT THAT CLEARLY STATES I AM NOT DISPUTING MY CREDIT REPORT I WANT TO TEMPOARILY REMOVE THE SECURITY FREEZE ON MY CREDIT REPORT. I CAME TO YOU ASKING FOR YOUR HELP AND YOU SEND ME A RESPONSE FROM THE COMPANY ( TRANSUNION ) THAT SAYS NOTHING ABOUT GETTING PIN NUMBER OR ANYTHING ELSE I NEED TO TEMPOARILY REMOVE THE SECURITY FREEZE. IT HAS BEEN MONTHS SINCE I ASKED FOR THIS INFORMATION ONCE AGAIN I AM NOT DISPUTING MY CREDIT REPORT PLEASE READ THE COMPLAINT I MADE AND THE RESPONSE FROM THE COMPANY SAYS NOTHING ABOUT GETTING ME A PIN NUMBER OR WHATEVER IS NEEDED TO TEMPOARILY REMOVE THE SECURITY FREEZE. HERE IS MY ORIGINAL COMPLAINT PLEASE READ IT MY COMPLAINT SAYS NOTHING ABOUT DISPUTING ITEMS ON MY CREDIT REPORT. HOW MANY TIMES DO I HAVE TO FILE A COMPLAINT WITH YOUR OFFICE FOR YOU TO RESOLVE THE PROBLEM INSTEAD OF IGNORING WHAT I ASKED FOR IN MY ORIGINAL COMPLAINT, I WILL DO SOME RESEARCH TO SEE WHOM I CAN CONTACT IN REGARTD TO YOUR COMPANY IGNORING MY REQUEST TO TEMP REMOVE A SECURITY FREEZE PLEASE READ THE COMPLAINT AGAIN TO SEE THAT I SAID NOTHING ABOUT DISPUTING INFO ON THE CREDIT REPORT I NEED TO REMOVE THE SECURITY FREEZE FROM TRANSUNION ASAP. THEIR RESPONSE SAYS NOTHING ABOUT THAT PLEASE READ THE COMPLAINT AGAIN SINCE YOU ARE NOT RESPONDING CORRECTLY TO MY ORIGINAL COMPLAINT NO XXXX
Product: Credit reporting or other personal consumer reports

Subject : Failure to Conduct a Manual Review of Dispute as Requested Use of XXXX System Summary of Issue : On XXXX XXXX, I filed a dispute with Equifax regarding inaccurate information on my credit report. I explicitly requested a manual review of the disputed information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked. However, Equifax processed my dispute through the XXXX  system rather than conducting the manual review I requested, which violates my right to a proper investigation. The response I received from XXXX was unsatisfactory, vague, and did not address the specific questions I raised. 
XXXX XXXX : XXXX used the XXXX system to electronically send a notification of my dispute, including a summary of relevant information, to the furnisher of the disputed information. In their response, Equifax stated : THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION, AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY ... Equifax MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. 
This response failed to address my specific request for a manual review, and Equifax provided a generic response about their standard procedures rather than directly answering the questions I posed.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first  established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Checking or savings account

Citibank started charging me a monthly service charge of {$30.00} on my checking account. without notice or justification. 

They said that they could return four months but not all seven months. They gave no reason why they couldn't return all of the funds. They also gave no reason why they didn't give me notice. I suspect that this is a routine business practice that is harming many checking account holders.
Product: Debt collection

On XX/XX/2020 I sent a debt validation to this collector with clear instructions to either provide proper validation of this debt or cease all collection activities including the reporting of this alleged account to my consumer reports. The collector did not provide any sort of response, much less proof of ownership of this alleged debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was send an alert on my consumer report of an ACOUNT added by ( XXXX XXXX XXXX ) I do not recognize this account nor am I liable for it. It was fraudulently opened and should be removed immediately. 
Under 15 USC 1681 This company has violated my rights to privacy and confidentiality.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries on my TRANSUNION credit report are fraudulent, inaccurate, and unverifiable. ( PLEASE SEE ATTACHED )
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday, XX/XX/2019, I reached out from XXXX from XXXX XXXX indicating that I received a notification from Navient that my loan payment was late and that my understanding was that I entered into an agreement to pay the {$39.00} per month for a certain amount of time to get my loan forgiven. I knew that my payment was not late as the {$39.00} payment was and still is autodrafted from my banking account every XXXX of the month. He stated " I'm not sure why they would request payment. It looks like we just did a recert for you. '' I am in the process of purchasing a home. My lender contacted me on Wednesday XX/XX/2019 indicating that XXXX has reported my loan as past due 60-90 days. I again reached out to XXXX via email and telephone. He provided me with notices from XXXX on both both XX/XX/XXXX and XX/XX/XXXX stating that I was in good standing and further that my past due balance was XXXX. I'm not sure why only one of the three credit bureaus is reporting my student loans as past due. I am not sure if XXXX XXXX is a legitimate company. I have paid them for over a year and when I recently reviewed my portal, none of my student loans are even listed on the XXXX XXXX website. I have been paying them to manage my student loans so that they can be forgiven and I do not know what the status of the forgiveness or the balance.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX  days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Debt collection

Convergent outsourcing is acting on behalf of XXXX for a phone bill that I do not owe. XXXX has been going to various collection agencies and putting this on my credit report and it should not be. Every single agency has removed the debt ( XXXX, XXXX, XXXX ). I need this removed from my XXXX report. They already have removed it from my XXXX report but not on my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We sold this residence on XX/XX/2019. 

My credit report still reflects and open loan balance of {$120000.00}, and 2 late payments which were brought current.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I attempted to create an account with Equifax to allow me to freeze my credit. The creation seemed to go well, until the last screen where I received an error. Thereafter, whenever I tried to log into my account, I received an error stating " We are temporarily unable to complete this request. '' I am also unable to create a new account, as equifax indicates that an account already exists with my information.

I called equifax at XXXX who explained that there was an error creating my account, but that the matter had been elevated to the specialist department. I tried calling again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every time I am told that there is a technical error on the equifax side, and the matter has been escalated. Each time I am told that I should receive a call or email, but I've never received any further contact from someone at equifax. I would simply like to create an account to allow me to freeze/thaw my credit.
Product: Credit reporting

Credit bureau must follow FCRA and verify original signed contract with my signature on it, according to Federal and State laws.
Product: Credit card or prepaid card

Applied for a XXXX XXXX  secured credit card on XX/XX/18. Funded with XXXX of {$1000.00}. Review of bank acct shows {$1000.00} was deducted twice with two separate transfers for a deposit of {$2000.00}. Checked with company who has no information re : deposit or application. XXXX XXXX now wants another {$1000.00} now to process application.

Contacted XXXX XXXX to resolve issue, unable to locate deposits. ( XXXX XXXX XXXX transfer reference # 's available showing both transfers to XXXX XXXX ). XXXX XXXX Incident reference # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Timeline of events : XX/XX/XXXX Pulled credit report, Bankruptcy listed.XX/XX/XXXX Sent letter to BK Court verifying reporting to CB.

XX/XX/XXXX Called Lexis Nexis to remove, they " verified '' bankruptcy.

XX/XX/XXXX Received letter from BK Court.

XX/XX/XXXX Pulled credit report, still listed.

XX/XX/XXXX Sent letter to Lexis Nexis certified asking to verify.

XX/XX/XXXX Letter was delivered and signed for.

XX/XX/XXXX Received a response Lexis Nexis " verified '' bankruptcy.

XX/XX/XXXX Pulled credit report, still listed.

XX/XX/XXXX Sent 2nd letter to Lexis Nexis with letter from BK Court to verify 2nd time.

XX/XX/XXXX Letter was delivered and signed for.

XX/XX/XXXX Received a response Lexis Nexis " verified '' bankruptcy again.