23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I filed a dispute with AMEX on XX/XX/XXXX, reference # XXXX, for a {$250.00} charge on XX/XX/XXXX by XXXX XXXX. XXXX XXXX had already refunded {$77.00} so I informed AMEX I wished to dispute just the remaining amount of {$170.00}. XXXX XXXX  ( name per credit card charge ) aka XXXX XXXX XXXX ( name per credit card dispute response ) aka XXXX XXXX ( name per company when I did business with them ) performed an illegal bait and switch scam in which they verbally guaranteed on the phone they could repair the computer module for my truck for {$250.00}. There was no mention of a non-refundable diagnostic fee at the time the company charged my credit card. I mailed the module to them, and received an email from them on XX/XX/XXXX that the module was not repairable, but if I gave them another {$1100.00} they could send me a new module. I attempted to call them but at this point they started ignoring my calls. I then read their reviews online ( hundreds of 1 star reviews and XXXX complaints with identical stories as mine ) and told them to send me back the module. When I received the module back, it had not even been opened up as the sticker was still intact. They refunded {$77.00} and I initiated the dispute for the balance. In the meantime, I had the module repaired successfully by another reputable company. When the dispute was found in XXXX XXXX ' favor, I contacted AMEX to re-issue the dispute with the additional details that their diagnostics ( if done at all, which is doubtful ) were insufficient since another company was able to repair the module, and again requested a refund of the supposed " diagnostic fee ''. The dispute was initially found in my favor, and then reversed again. XXXX XXXX did not provide any additional details in their second response, and did not provide proof of performing the diagnostics such as a diagnostics report. I would expect AMEX to protect the consumer from an obvious case of fraud, as evidenced by the details above and this company 's pattern of numerous disputes, complaints, and lawsuits. I appreciate your help resolving this dispute with XXXX XXXX and AMEX. Thank you.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : 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: Mortgage

I am submitting a formal complaint regarding XXXX XXXX XXXX XXXX XXXX ( doing business as FortiFI ) for engaging in unfair business practices, neglecting consumer protection obligations, and allowing price gouging in connection with my PACE loan for home improvements. FortiFI provided {$77000.00} in financing to XXXX XXXX XXXX on XX/XX/XXXX, without adequate assessment or safeguards. This failure to ensure fair practices led to excessive pricing and predatory tactics used by XXXX XXXX, which FortiFI permitted to participate in the PACE program. 
XXXX XXXX applied high-pressure tactics to secure my agreement to the loan from FortiFI, claiming it was necessary for home improvements. FortiFI not only released funds to XXXX without verifying the validity of the assessment but also failed to monitor the transaction to prevent price gouging. Recently, FortiFI issued XXXX checks to me to address overcharges on the assessment, yet this action does not rectify the inflated initial loan amount or mitigate the substantial financial burden I have borne since XXXX, as I have paid taxes and interest on this loan for over five years.

Despite my repeated complaints and the existence of numerous allegations against XXXX, FortiFI has not canceled my loan. On XX/XX/XXXX, the California Department of Financial Protection and Innovation ( DFPI ) issued a Desist and Refrain Order against XXXX XXXX due to fraudulent activity. Yet, FortiFI has avoided responsibility for failing to properly vet or oversee XXXX practices. In my DFPI complaint dated XX/XX/XXXX, FortiFI acknowledged that XXXX XXXX held a current and active CSLB license. However, despite this, FortiFI allowed XXXX to receive loan funds without officially enrolling them in the PACE program, placing me and others at risk of financial harm. 
Given these factors, I believe FortiFI has failed in its consumer protection obligations and violated my rights as a borrower under several laws, including : California Business and Professions Code 17200 ( Unfair Competition Law - UCL ) Truth in Lending Act ( TILA ) Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) I request that the CFPB investigate FortiFIs business practices, particularly their lack of oversight and approval of unjustified charges. I am also requesting that FortiFI cancel my loan entirely to address the financial harm caused by their facilitation of this inflated and predatory transaction. 
Thank you for your attention to this matter.
Product: Credit card or prepaid card

There was to purchase I made fro m Amazon.com that w as returned and still showing on my bank statement. On  XXXX   XXXX , I contacted  XXXX  regarding a purchase. I placed on  XXXX   XXXX ,    2016 fo r the amount of {$280.00} and also on  XXXX   XXXX ,  2016 for t he amount of {$320.00}. Amazon stated that I was refunded. So I contacted Synchrony Bank to ask why is these charges still on my account and the payments I have been making was going towards these purchase that was returned. For the last three weeks I been back and forward to Amazon.com and Sympathy Bank backwards and forwards.
Product: Credit reporting or other personal consumer reports

INCORRECT INFORMATION REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple disputes to have a bankruptcy file from XXXX removed from my credit report. The XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have reported this information : U.S. BANKRUPTCY COURT XXXX XXXX CASE ID # XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX Phone : XXXX Type : :XXXX  XXXX BANKRUPTCY XXXX Date Updated : XX/XX/XXXX Date Filed : XX/XX/XXXX Court Type : US Bankruptcy Court Date Updated : XX/XX/XXXX Date Paid : XX/XX/XXXX These credit bureaus/reporting agencies are privately owned companies and have collected and posted my data without my knowledge or permission. I have reached out to the U.S. Bankruptcy Court about this issue and they responded as such, " the court does not provide any information directly to third-party information gatherers. " ( See attachment documentation ) I supplied this information to the reporting agencies and they still refuse to remove this information. In accordance with the Fair Credit Reporting Act, Section 1681 ( a ) ( 5 ), any case, civil or otherwise dismissed, no longer exists in the eyes of the law, and therefore the credit reporting agencies have no right to maintain this information which the government has deemed non-existent on my report. It is only causing harm to my person to obtain employment and better housing by lowering my credit score
Product: Debt collection

A collections notice was received by XXXX XXXX XXXX for an unpaid medical bill for a foster child. When the collections agency was contacted for the purpose of providing insurance billing information, they claimed that they are not in the business to bill insurance, do not have the ability to bill insurance, and were requiring that XXXX provide the insurance company address, contact information, and other items that are not available to this worker. The information on the insurance ID card, used by medical providers everywhere for the purpose of billing medical charges, could not be used by the collections agency. They have intentionally created obstacles that prevent them from billing insurance, and it is done for the purpose of pursuing payment of the full amount of the bill to increase the profit they make from collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX  are reporting information that is not mine. On XX/XX/2020 and on XX/XX/2020 I sent them correspondence via certified mail with return signature and they have yet to remove incorrect items that are a result of SEVERAL DATA BREACHES I HAVE BEEN A VICTIM OF. with written proof. This a violation of the FCRA for proof of verification being mailed to me bearing my signature for proof of DEBT FROM THE Following companies.

1 XXXX XXXX XXXX   2 XXXX XXXX 3 XXXX XXXX 4 XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX I submitted information to SPS ( Select Portfolio Servicing ) that my property had over paid XXXX XXXX XXXX for the following years : XXXX {$960.00}, XXXX - XXXX, & XXXX - XXXX. 

I requested that they send me a letter stating the following so that I could submit to the XXXX XXXX XXXX office for a refund. 

Please provide a complete copy of all XXXX XXXX History on my account. XXXX XXXX has overcharged my property because the XXXX XXXX deduction was not applied. 

Because ( SPS ) my mortgage company paid my taxes, the XXXX and XXXX XXXX Collector is requesting verification of payments. The letter must be on your letterhead and contain the following information : The letter must be on your letterhead and contain the following information : Homeowners Name : Property Address, Property Tax Account Number, Mortgage Company Account, Amount of XXXX XXXX Taxes Paid Year : XXXX, XXXX, and XXXX Physical Mailing Address of ( SPS ) Mortgage Company : ________ I contacted ( SPS ) XX/XX/XXXX, and they said they never received an over payment check for my escrow account. They requested I contact XXXX Taxes to request the USPS tracking number. On XX/XX/XXXX I contacted ( SPS ) provided them the XXXX XXXX Check #, the Amount {$2800.00}, again, and the USPS Tracking number. Once I provided this information, on Friday, XX/XX/XXXX, ( SPS ) said they had received the check, but XXXX XXXX Tax office did not include what account it should be applied to. Therefore, they were sending a letter to XXXX XXXX requesting additional information. I could not understand their rationale because I had provided ( SPS ) all the information pertaining to my mortgage account and that the refund amount that was coming. So, I contacted XXXX XXXX Tax office and they informed me that the check had all the proper attachments and apparently the ( SPS ) separated the information upon receiving it.
Product: Credit reporting

In reviewing my credit report I found that my account XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, MO XXXX had an incorrect " Date Opened '' of my account. This account was not opened XXXX XXXX, XXXX. This account was opened with XXXX Bank in XXXX and sold to XXXX XXXX XXXX in XXXX. This error is illegally decreasing the age of the account by more than 3 years. The attached letter dated XXXX XXXX, XXXX which notified me that my XXXX Bank card was being reissued by XXXX XXXX XXXX with a new number, proves that the account was opened prior to XXXX XXXX, XXXX. By reporting a later, incorrect date they are shortening the average age of my accounts to my detriment. I am trying to refinance my house and this error is making it more difficult. I requested that they please either report the correct date the account was opened or delete the account as required by law. Equifax has done neither.
Product: Mortgage

On  XXXX    XXXX ,2017  my husband and I closed on a Foreclosure property with a notary at our primary home with my husband as the borrower. During the closing I stated that the   XXXX   XXXX   XXXX   XXXX   XXXX   should have been titled in both names, I was told that once I signed the mortgage note that I would be added to the new deed and title. That did not happen, the deed was received in the mail on  XXXX / XXXX /   17  and only listed my spouse. I spoke with my lender who indicated that the   XXXX   XXXX   XXXX   XXXX   XXXX   should be in both names, we attempted to contact the closing agent and was advised that any changed would need to be completed in the form of a new deed with a cost to us because the contract, title and deed must match. However, I live in Florida joint property state and do not understand why this was not explained to us prior to closing and receiving the deed and title. I am very upset that I now need to pay a second attorney fees and the same fees  to my county to corr ect a deed that the original closing attorney was paid to process and file. This does not seem correct to me because our first home has both names on the deed, title and mortgage insurance however I am on the only person covering the note.
Product: Debt collection

SEE ATTACHMENTS Achieve TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX 3rd PARTY DEBT COLLECTOR, Illegal to buy or sell debts
Product: Debt collection

SEQUIUM ASSET SOLUTION account number XXXX has reported to Credit Bureaus a debt in the amount of XXXX XXXX XXXX XXXX and XXXX XXXX  as it states on my credit report, I did not receive any initial communication from Sequium Asset Solution, I do not know nor have any business with Sequium Asset Solution, Sequium Asset Solution failed to send initial communication causing a failure for me the consumer to not be able to dispute this account, they claiming I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : ACCOUNT NUMBER XXXX XXXX XXXX I qualified for Public ( Student ) Loan Service Forgiveness and my student loans were forgiven by FedLoan Servicing on XX/XX/2022. 

However, in a previous correspondence/letter, FedLoan Servicing ASSURED ME that FedLoan Servicing will be reporting my forgiven consolidated amount of XXXX to the Three Credit Bureaus as XXXX PAID IN FULL ''. 

THIS IS NOT THE CASE. FedLoan Servicing is wrongly reporting to the Three Credit Bureaus as " PAID.CLOSED ''. PAID/CLOSED COULD BE FOR DIFFERENT REASONS, BUT PAID IN FULL IS WHEN THE ACCOUNT IS PAID IN FULL TO FED-LOAN SERVICING XXXX THE DIFFERENCE BETWEEN " PAID IN FULL '' AND " PAID.CLOSED '' IS HUGE. If FedLoan complete their obligation to Report my XXXX loans to the three credit bureaus as " Paid In Full '', then my credit score will be increased. When FedLoan Servicing is reporting that my newly consolidated student loans are ONLY " PAID.CLOSED '', that reflects negatively on my credit score, because FedLoan does not direct the three credit bureaus that my student loans are FORGIVEN OR PAID IN FULL BY THE GOVERNMENT. 
THIS IS WRONG. 
See the following explanation by XXXX : " The Difference Between Closed and Paid-in-Full. - Revolving accounts, like credit cards, are referred to as " closed '' when the account can no longer be used to make charges.Credit card accounts will show " closed '' with no balance rather than " paid in full '' so that there is no confusion about whether the account is open to new charges. Paid, '' or " paid in full, '' is the term applied to installment accounts, like car loans/student loans, after the last payment is made and you have completed repayment of the loan as agreed. XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Product: Bank account or service

Wells Fargo Bank initiated predatory Lending on our Company and commercial real estate loan. WF had an employee of the bank come to our office 2 times and present us a SWAP Derivative that said the product would protect us from interest rates climbing. The product co-mingled our commercial loans interest reserves with this separate instrument and WF deducted over {$500000.00} worth of payments from our account without us knowing about it. WE know of a half a dozen WF customers that this also happened to who went Bankrupt because of WF predatory lending.
Product: Credit reporting or other personal consumer reports

This item was once disputed in the past and is now reappearing. The last activity dates are wrong. Adverse information typically remains on your credit file for up to 7 years from the date of the delinquency.
Product: Mortgage

I am a consumer and Newrez doing business as Shellpoint Mortgage Servicing stole my identity and created a fake account with my information. They do not have my permission to use my social security number to create any accounts on my behalf and I did not sign for their account either. They keep harassing and threatening me with phone calls and unsolicited mail which is illegal for a debt collector. My telephone is on the national do not call registry but they break the law and still call me. The are to remove this illegal account from all my credit files, cease and desist their illegal activities and be held accountable for their fraudulent acts.
Product: Student loan

I contacted Ed Financial Services on XX/XX/XXXX, after noticing that my loan balance on the Federal Student Aid website had changed from Paid in Full, {$0.00}, to $ XXXX owed. I thought this must be an error, since it had been more than one year since the account was paid in full ( I have documentation clearly showing the {$0.00} as of XX/XX/XXXX ). 

Ed Financial Services contacted me on XX/XX/XXXX via email with an automated message which stated that I had a new message in my account on their website. I logged in, and found no message. I filled out another contact form, since they do not provide an email address that can be contacted. 

Ed Financial Services finally replied to my complaint on XX/XX/XXXX about them attempting to charge me over {$24000.00} for a debt that was Paid in Full in XX/XX/XXXX. In this email reply, they stated that they began an account transfer from one platform to another in XXXX of this year, and that is why my {$0.00} changed to over {$24000.00}. This does not explain why my balance would be {$0.00} for over a year, and showing as Paid in Full, since they clearly state that the transfer began on XX/XX/XXXX. This year. 

I feel that Ed Financial Services has made a gross error, and is attempting to collect a fraudulent debt. They deny this, and refuse to review the documents I have uploaded on their website twice for their review. Ed Financial Services gives no other option for document upload. I feel that, even though this is an error that could be easily fixed by reviewing the documentation I provided and adjusting my account balance to {$0.00} as it was in XXXX of XXXX, Ed Financial Services has instead decided to attempt to steal tens of thousands of dollars from me and to destroy the credit I've worked incredibly hard to rebuild. 

This fraud and illegal activity is unacceptable. No company gets to reflect an account that is Paid in Full for a full year, without any type of contact to dispute the account status of {$0.00}, then to bill former clients and try to fleece them for tens of thousands of dollars!
Product: Bank account or service

I work at the National Credit Union Administration and Wells Fargo manages NCUA employees ' retirement accounts. On atleast 4 calls ividuals, I attempted with XXXX WF employees I insisted I want to get an online account ONLY for my retirement acct. I also have a checking account with with Wells Fargo that I insisted be paper only. Instead, Wells Fargo employees deliberately steered me to secure an online presence for ALL my accounts and wanted to then give me investment advice. 
I have since changed back my checking account to mail only.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$3700.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$7100.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$1800.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$3400.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$1800.00} ACCOUNT NAME : DEPT OF ED/XXXX  ACCOUNT NUMBER : XXXX Balance : {$3700.00} Additionally I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Please send me proof my signature.
Product: Mortgage

In XXXX I paid off my mortgage. I am in the process of refinancing and the loan # XXXX is still showing up on my credit report. On XXXX/XXXX/16 I sent an email to Freedom Mortgage to get this resolved ASAP. I can not get any resolution to this, I called today and they sent me a copy of the goodbye letter that it was transferred to XXXX. I specifically asked for a letter or statement showing that this is a zero balance. No on is assisting me, nor have I received anything that they are working on this issue. I checked online and my loan is still showing active.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a strange phone call from a company with the phone number XXXX. The gentleman XXXX was explaining to me that he was from some law offices that represented Bank Of America and that Bank Of America was trying to sue me because I had an outstanding credit card balance from like 10 years ago And I didnt know what he was talking about but it was interesting because he had all my information from my name to my date of birth to my Social Security my account number, and I kept asking him what he was talking about but he wasnt really that helpful. I called the bank back And when I spoke to one of the managers, I was told that they have no idea what I was talking about and that it sounded like this was a scammer. However, I did not share any of my information with them. I was just surprised that they had all my information, and that all my information was accurate.