23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I canceled my account with XXXXXXXX in XX/XX/XXXX( at the request of XXXX ) because I was doing long term work in XXXX, Ak. XXXX advised me that they did not service Alaska and the roaming would be too high for them so I complied and canceled my phone service ( 2 lines ). I changed cell phone companies ( at the request of XXXX ) but XXXX continued service and billing on one of the phone lines that I canceled. So, I followed up with a call to XXXX customer service in XX/XX/XXXX to ensure they cancelled both unused lines and I would not be getting billed for them. The representative at the time informed me that 1 line was still active but assured me she would cancel and take care of all lines and charges. In XX/XX/XXXX, I recieved another bill, I called and went through the same process with XXXX customer care. Again, the representative confirmed in my account notes that the lines should have been canceled. The matter was not resolved until XX/XX/XXXX when I recieved another bill for the unused second line of the account that had been closed for over a year. Again I called and spent 1 hour +23 minutes on the phone with XXXX customer service and their manager XXXX while they poured over their notes and finally apologized for the inconvienience and reversed the charges and ensured the account was closed. In XX/XX/XXXX I recieved yet another bill! This time for {$43.00} for an account set up fee. Obviously, I don't have an account so I clearly did not authorize any fees. I contacted XXXX today via live chat to contest the false charges. The online representative XXXX XXXX was unable to help me because she showed the account in fact closed but with a new set up fee. She told me to call customer service so they could help me. I have been extremely diligent in trying to resolve the inacurate billing XXXX has charged me. At this point, I feel like they are intentionally adding fees and continued unauthorized billing in a predatory manner. It is my assertion that XXXX is trying to extract money from customers who don't have to time or resources to contest false billing. Please investigate XXXX 's billing practices. Furthermore, since XX/XX/XXXX XXXX forwarded this nonsense to a collection agency. XXXX XXXX. I went through several step with them as well as the 3 collection agencies and resolved the issue with all parties except Equifax. Equifax continues to report this false charge and their customer service representatives are very difficult to communicate with. Also, 3 of the 5 times I called Equifax  through this nightmare, they couldn't help me because their system was down.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Mortgage

Received an electronic notification on XX/XX/XXXX from Loan Servicing company PrimeLending, that our XXXX statement was not satisfied for the amount of {$2100.00} due on XX/XX/XXXX. This is incorrect. We paid XX/XX/XXXX mortgage statement in two separate installments, both prior to deadline of XX/XX/XXXX before a late fee will access. 1st payment of {$500.00} received by PrimeLending on XX/XX/XXXX. Second payment of {$1600.00} received by PrimeLending on XX/XX/XXXX. 

I have placed calls on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX in order to get the error resolved, to no avail. The first representative indicated dual payments are okay to process as long as they are received closer together, but he would solve error. Second representative indicates dual payments would not be accepted, but she would direct me to customer service who could handle the error & get it fixed. Third representative placed me on hold for 20 minutes before the phone disconnected & no one has called me back since.
Product: Mortgage

Ditech financial recently purchased my home loan. Since then, they regularly misapply my principal prepayments to future interest or future payments. This practice is in direct contravention of my loan terms which expressly state that " the NoteHolder will use my Prepayments to reduce the amount of Principal that I owe under this note. '' Ditech has not followed these loan terms, and instead continues to apply my prepayments to future interest and future payments, resulting in my loan balance not decreasing as fast it otherwise would, and more accrued interest than otherwise would occur. I have complained to Ditech three times about their misapplication of my payments. The first time I complained they fixed the problem without admitting any fault. They have completely ignored my second and third complaints. Thus, I am writing to you in the hopes that you will be able to get their attention. I am also considering legal action.
Product: Credit card

Subject : Urgent Appeal for Reopening Dispute on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Synchrony, I am writing to formally appeal the decision to dismiss my claim in favor of the merchant regarding my purchase of an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Six months post-purchase, I contacted the merchant to address severe sagging of the mattress and instability of the base. The merchant assured me that the base would be repaired and a new mattress provided. However, over a year has passed, and neither repair nor replacement has been made. 

Upon submitting a dispute with Synchrony, I was informed by the merchant that they would send someone to repair the base. Despite this, the representative sent to my home acted unprofessionally and left without performing any repairs. Following this incident, the warranty service promised to send another technician, but no one has come. Additionally, there has been no mention of replacing the defective mattress. Recently, I was notified that the warranty on these items has been canceled. 

Having invested nearly {$6000.00} in these products, I find it unacceptable that they have become unusable within a year. It is concerning that Synchrony has sided with a merchant who has clearly failed to honor their warranty and address these defects. 

I respectfully request that you reopen this dispute and reconsider the substantial evidence provided. Enclosed are correspondences and documentation detailing my persistent efforts to resolve these issues with the merchant, all to no avail. It is imperative that this matter be addressed to uphold the principles of fair consumer treatment. 

Thank you for your prompt attention to this critical issue. 

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

i have 5 are six new unauthorized inquiries on my report asking for immediate removal
Product: Debt collection

I am writing to dispute this reported debt by XXXX  XXXX XXXX XXXX XXXX XXXX of {$2100.00}. My contract with XXXX  XXXX ended on XX/XX/year>. This reported " debt '' is a clerical error on their part to which they reported a tenant payment reversal and requested the current property manager XXXX, to reach out to the tenants to inquire. XXXX XXXX has a strict no tenant contact policy with owners so I do not have any contact information. I have informed XXXX  XXXX of this as well. 

On XX/XX/year> I received my final statement from XXXX XXXX and was returned my security funds in the amount of {$450.00} from them. The original balance at start of the agreement was {$500.00} ( exhibit 1 ). The email also stated that they had completed all activities on the account ( exhibit 2 ). 

On XX/XX/XXXX an email was sent from them to both myself and XXXX state they had experienced a payment reversal and asked to reach out to the tenant for a payment back to them. XXXX responded that they needed to reach out to a portfolio manager. I responded that I never had tenant contact information as that was the policy of XXXX XXXX 

They state that XXXX had not returned contact past XX/XX/XXXX. Shortly after that I began to receive statements and emails stating that I owe the balance they lost track of. There is no clause in the contract I signed with them that states I would be liable for mismanagement of their accounts and pursuing tenants after their management agreement ended. 

This debt is not mine and is unjustly being placed on me. XXXX XXXX  has had all of the XXXX contact information but gave up on them and pursued me in place. For reference their contact info is : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

My experiences with this situation has been very rough due to the damage of my credit.
Product: Credit card or prepaid card

I went to Costco to sign up for an ordinary membership. The clerk filled me out for a CostCo credit card. I told the clerk I did not want the credit card because we already had an ordinary one we use. Today in the mail I received my CostCo credit card which I explicitly said I did not want to sign up for. I called the company and cancelled the card/account today but want to file this complaint to hopefully help the next guy this happens to.
Product: Credit card or prepaid card

On XX/XX/2022 I booked ticket on XXXX XXXX XXXX. At the end of booking pop up bank of America credit card application and offering {$100.00} statement credit if I used new credit card for purchase ticket. I am apply and approved. I used new credit card as payment for the tickets. One month later no {$100.00} credit. Contacted Bank of America and representative told me wait one more month. Still no {$100.00} credit. On XX/XX/XXXX Bank of America sent letter " We offer a {$100.00} statement credit to new cardholders who : 1.Open an account while booking a flight online at XXXX XXXXhich I did and 2. used the card to make at least {$1000.00} purchase with 90 day of opening account. 
Which I also did. 
I contact again in middle of XXXX and get reply with exactly same letter but on XX/XX/2022. 
Last my contact XX/XX/2022 and this time the representative from the Bank of America create the story that I opened account on XX/XX/2022, but XXXX posted transaction as XX/XX/2022. This is absolutely not make sense, because I can't approved and print the tickets without full payment. The representative from Bank of America asked me contact XXXX to confirmed that ticket purchase on XX/XX/2022. After that I try to call Bank of America again and representative try to switch to XXXX XXXX customer service. 
I also request to talk with the manager and my request completely ignore. 
Bank of America misleading the client to posted via XXXX false advertisement on instant credit and later fool around with client to avoid issue the credit. 
I want that the people avoid make a deal with Bank of America as dishonest partner.
Product: Mortgage

I obtained a second mortgage from American Home Mortgage XXXX XXXX on XX/XX/2007. Few months after obtaining the mortgage. American Home Mortgage went bankrupt and can not get a hold of them anymore. MIN number is XXXX and the property address is XXXX XXXX XXXX, XXXX KY XXXX. 

Shortly after company went bankrupt, we paid off the loan to the bankruptcy trustee. 
I want to sell the property now and the title is still encumbered with the lien and I can not get a release on the lien since company does not exist anymore for a decade. 

I would appreciate your help to get this lien removed from my property. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX and XXXX of XXXX I've received Activity on my credit report with trenching in that was not alterized. I don't know who is Credco/Credco and never had any affiliation with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the Bureaus. Despite sending them letters, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, the Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is reporting :
Product: Credit card or prepaid card

I had 3 credit cards with Chase Card Services for several years. On one occasion it happened with 1 credit card that my payment got rejected by my bank where I had the checking account because of insufficient funds. Chase than made it impossible for me tomake payments on this one card in the future online. ( although I had paid off all the other credit cards and the balance there is XXXX now. ) I contacted Chase several times online but they never answered. They charged me late fees and interest and reported this negatively to XXXX, although I would have been able and willing to make payments on a regular basis.

I finally wrote them a certified letter return receipt requested ( asking them to make it possible for me again to pay the credit card electronically and take the late charges and interest and not to report the payments as late ) which they received on XX/XX/2018. They were however totally uncooperative and claimed they never received my e-mails, which is weird because I send them several. They also claimed that they sent me a letter telling me that I could no longer make electronic payments. I certify however that I never received such a letter.

I have to tell you that it was not the first time that I have problems with Chase .They caused problems 10 years ago too and only gave in when I contacted the office of the Comptroller of the Currency at this time.

Furthermore I had overpaid one credit card and they did not pay me back for 8 weeks until I told them to do so by certified mail.

Also they made a wrong report with XXXX reporting a credit card with a cc number as late, this is a cc number which I never had.

Please intervene.

If you need additional information please contact me at XXXX or XXXX Thank you for your attention in this matter.

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX Balance 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 XX/XX/year>
Product: Credit card or prepaid card

Dear Capital One, I was actually shocked today when i reviewed my accounts and noticed several late payments among the 3 capital one accounts - I was never late on any of those. I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late. 

If you wish to send me documentation that you will remove all derogatory information from this account, that is all I will require. 

Otherwise, please provide me with your documentation showing that these payments were indeed late.Please send me copies of the statements, as well as, any and all payment receipt documentation in your possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as being late. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. 

Best Regards,
Product: Credit reporting

They were very rude and told me that the Chapter XXXX will stay on for 10 years. I was told by my attorney that chapter XXXX was dismissed and it was 8 years ago and that the credit breporting Equifax is to remove it after 7 years. I called Equifax and they refused to remove it. XXXX and XXXX removed it last year. This is preventing me from getting a home loan.
Product: Student loan

Attached is a listing of payments that I have made since start up to now. As shown in that list, the last disbursement was on XX/XX/XXXX, but basically it seems that I started really making payments after CAPITALIZATION on XX/XX/XXXX. So the original principal was {$8700.00}. I have 10 years of paying an average amount of $ XXXX/mo, and, incredible enough, the unpaid principal balance is still ( see listing ) up to XX/XX/XXXX about {$3800.00}. 

I'm no expert in accounting, but it seems to me too much time for the balance to still be that amount previously said. I'm planning to pay more every month to advance faster, but I don't have a good job and therefore I'm not getting a good income, so I would like somebody with legal authority to check and see whether there is something that can be done. I feel I have already paid that loan. 

10 years x 12 = 120 months x XXXX = {$17000.00}
Product: Mortgage

On XX/XX/2021 a one time draft of {$1900.00} was made to IMortgage. On XX/XX/XXXX Loan Depot stated that the payment was returned to the XXXX XXXX  account. When asked why, representatives gave several different reasons such as insufficient funds and that the account could not be found. We have had more than 15 phone calls regarding this issue and mailouts regarding foreclosure. Loan Depot also reported to XXXX that we were 30 days late on our mortgage payment and they promptly lowered our credit score 136 points. All payments were made on time. XXXX provided the transaction history for XXXX showing that the payment was made to Loan Depot on XX/XX/XXXX and never returned to our account. ACH & wire research escalation form was filed with XXXX. The trace # was XXXX. The results from XXXX XXXX  indicate that the payment was made to Loan Depot and never returned.