23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/20, I had internet service with XXXX XXXX installed. The original bill was XXXX. From the start, the service never worked as expected, and on XX/XX/20, the internet completely with out. XXXX was to send a technician out to repair the internet on XX/XX/20, but the tech never came. The next day on XX/XX/20, they claimed a tech was not there, but that was a lie. After that, I had enough and cancelled the service on that same-day XX/XX/20. 

My service was only functioning at some capacity ( always poorly functioning ) for only 9-days. On XX/XX/20, I took my complaints to the XXXX. I requested that XXXX XXXX clear my bill, as they sold me defective service and was dishonest as to when or even if, they would repair it. On XX/XX/20, XXXX XXXX sent me their finals response, they said they would credit me for the days the internet was down completely. However, 4-days later on XX/XX/20, I was called by a debt collector, on their behalf ; saying my account was in collections, that I had an outstanding balance of {$110.00}, and that it could affect my credit score. 

During the entire time I had XXXX XXXX, I never had access to my account. After cancellation, I never received a bill. But out of the clue, on the very same day that they declared bankruptcy, they're telling me I have debt in collections. 

I only had their service for 16-days, it never worked correctly, and the internet was completed off for 6 of those 16-days. The original bill was {$120.00}, the monthly bill was {$39.00}, and the rest was for installation, taxes, and equipment.
Product: Credit reporting or other personal consumer reports

1 : XXXX XXXX XXXX - Open on XX/XX/XXXX, this company improperly accessed and used my credit report in connection with a disputed amount of {$2100.00}. I did not authorize this, and it has negatively impacted my credit. I contacted the company, but they have not resolved the issue. 

2 : XXXX XXXX XXXX XXXX- Open on XXXX XXXX this company also improperly reported or used my credit information in connection with a dispute amount of {$120.00}. Despite my attempts to resolve this with them, the issue remains unresolved. 

3 : XXXX XXXX XXXX Open on XXXX XXXX this company somehow accessed my credit information in connection. I did not authorize a {$250.00} charge on a credit. This charge has negative impacted my credit. They are also another company I couldnt resolve the issue with. 

4 : XXXX XXXX XXXX * Date Opened : XX/XX/XXXX *Balance : {$480.00} Issue : This company reported a collection account that I do not recognize or authorize. I have attempted to dispute this, but it remains unresolved. 

5 : Resurgent / LVNV Funding Date Opened : XX/XX/XXXX Balance : {$1100.00} Issue : This account was reported as a collection, but I do not believe it is accurate. I have reached out to the company for clarification, but they have not provided proof of validation. 

6 : XXXX XXXX XXXX C Date Opened : XX/XX/XXXX Balance : {$9300.00} ( Written off, Paid, and Closed ) Issue : This account was written off and closed, but I want to ensure that it is properly reported and does not continue to negatively affect my credit score.
Product: Mortgage

I have a primary and secondary mortgage with Wells Fargo Home Mortgage and Wells Fargo Bank, N.A. I submitted my payment by mail to Well Fargo Home Mortgage on XXXX XXXX, and It didn't get process, until XXXX XXXX. It indicated on my mortgage statement that I would have been late, if not for the corona virus pandemic. I contacted Wells Fargo Home Mortgage on XXXX XXXX, and ask them to explain to me why it took 12 days, in order, to get my mortgage payment process, and their respond was that it was the XXXX XXXX XXXX XXXX that was at fault for not giving them the information that is coded on my return statement that is included in the window of the shipping information that indicate where the letter is going. They say that the XXXX XXXX normally give them the information, before the letter is delivery to California. This is the information Wells Fargo Home Mortgage 's Executive relayed to me by phone and it doesn't make sense. If it only take the XXXX XXXX XXXX to four days to delivery a mortgage payment by mail to Well Fargo Home mortgage, and if they can give them the code that indicate on the shipment of the letter my code, then why does it take twelve days for them to process my payment. I had this problem with Wells Fargo Home mortgage last year, and they charge me with a late fee. The only reason why I didn't get charge this time is because of the corona virus. Something MUST be done to fix this problem. I think that Wells Fargo Home Mortgage is trying to find a way to make more money off of me, as, a consumer by blaming someone, else for the issue, and then charging me an additional FEE!!!
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of XXXX I disputed with this credit reporting agency about the inaccurate reporting of collection items XXXX XXXX  -- XXXX because this Account is transferred for recovery, but is reporting a balance of {$13000.00} in a past due amount of {$13000.00}. Also, XXXX XXXX -- XXXX XXXX -- - reporting XXXX different dates of last activities. XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on Equifax. Also, there are different high balances being reported. {$7500.00} on XXXX and XXXX, {$6000.00} dollars on Equifax. This is a violation of the Fair Credit Reporting Act. So now I'm contacting the CFPB to step in and help me get this issue as of today. I have uploaded my proof. Thank you
Product: Mortgage

Freedom Mortgage acquired my VA mortgage in late XX/XX/XXXX. I entered the new payment information into my bank 's XXXX XXXX services and the payment was sent on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Freedom stating that my payment had not been received, and showing that 2 payments were due in XXXX. I contacted my bank who verified that the money had gone out on XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX and my bank. on XXXX, I called Freedom Mortgage customer care and set up a 3-way conference with the bank, XXXX XXXX and Freedom for XX/XX/XXXX. 
XXXX XXXX spoke with XXXX at Freedom and gave verification that both the XXXX and XXXX payments had been sent. XXXX XXXX faxed the information to Freedom. 
My XXXX payment had been sent on XX/XX/XXXX. 
On XX/XX/XXXX, a 3rd fax was sent to XXXX at Freedom customer care with the routing numbers for the 2 payments. 
On XX/XX/XXXX, I received a letter from Freedom stating they would review and send a written response following the review, by XX/XX/XXXX. 
On XX/XX/XXXX, I received a letter stating that the XXXX payment was received and credited to my loan. 
I decided to use Freedom Mortgage 's on-line payment services and set up a payment for XXXX. To my dismay, it went through for a TWO month payment amount. I was able to have the bank rescind the payment. 
I did call Freedom 's help line and made the XXXX payment only on their website. Freedom still was saying that I am one payment in arrears. 
I have been sending my monthly payments with my bank checks for the last 5 months. 
On XX/XX/XXXX, I again emailed a letter and support documents to Freedom. There has been no response except with their monthly payment statements showing they want 2 payments to bring me current. 

TO THIS DATE, I have had a total of 30 contacts with my bank, Freedom Mortgage, XXXXXXXX XXXX   services, and with no satisfaction. I have a written record of all contacts, emails and faxes with corroborating bank statements and I have written and given all information to my US Congressman XXXX XXXX ' office asking for their help. And now I am filing this request as well. 

I am a senior citizen and a widow. My husband served in the XXXX XXXX XXXX. This problem has caused me great XXXX  and worry. It has also hurt my FICO score horribly! 
I feel that Freedom Mortgage has shown both ineptitude and/or fraud in their accounting department, and a great lack of " customer care '' with their Customer Care '' services. 
I want to be totally exonerated from the allegation that I am in arrears because it is not true!
Product: Credit reporting or other personal consumer reports

In account to the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer right to privacy and confidential under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without written consent.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This is an additional complaint against AMEX. My original CFPB complaint # is : XXXX. 

I am attaching the original cease communication letters sent to Amex on XX/XX/2024.
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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

Equifax maintains that when my account was established wrong information was given. Trying to confirm what that information is to correct it has proved fruitless.
Product: Prepaid card

The new card was opened. A gift paid by visa from my sister for a birthday on XX/XX/XXXX. {$300.00} value. 

Gift card is missing middle numbers upon opening and missing security code in the back. 

This is new card that was just unwrapped. Vanilla gift card. Tried calling and they will not respond without a card number and there is no card number. So. No way to contact or resolve by intentional actions of the company it seems.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against TRANSUNION. I have sent 3 previous letters to you, all by PRIORITY MAIL ( receipts attached above ) requesting that you remove inaccurate information from my file and you have failed to do so. 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by priority mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. I await your response.
Product: Debt collection

XXXX XXXX apartments expects rent payments dating back to XXXX of the year 2021 in spite of the lease I signed expiring in XXXX of the year 2021. I have signed legal documents stating that I would not be renewing my lease with XXXX XXXX, and have not lived in the apartment for over eight months. I have contacted them on multiple occasions explaining this to no avail. My keys, parking passes, parking stickers and recreation center passes have been returned to XXXX XXXX apartments since the date of XX/XX/XXXX of the year 2021. XXXX XXXX has not contacted me in over three months, leading me to believe the financial charges were absolved.
Product: Debt collection

On XXXX/XXXX/17 at XXXX XXXX XXXX XXXX XXXX in XXXX, Alaska called demanding payment on debt that they refuse to show proof of. When I asked for proof they only send a statement from their firm with no actual contracts or ER visit dates. The " proof '' that they did send had another client 's name and birth date. When asked for further proof that had my name and birth date on it I was screamed at and told that they would not provide it and demanded payment. The employee, who is female, is exceedingly rude and very unwilling to send further proof. I believe that XXXX XXXX is trying to collect payment from me in a fraudulent manner. Their representatives are very aggressive and will shout and argue.
Product: Credit reporting or other personal consumer reports

The company is reporting Bankruptcy on my credit report and said they verified it they did not send me proof that it belongs to me, also who verified it, how it was verified after I sent a letter from the courts stating that they do not provide any credit bureaus with any information. 

Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason : Unverified Bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Writeup : 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. 

I told the Equifax, XXXX, and XXXX to reinvestigate these accounts : XXXX ( XXXX ) - XXXX XXXX XXXX XXXX  ( XXXX ) - XXXX XXXX, XXXX XXXX ( XXXX ) - XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, and XXXX XXXX  ( XXXX ) XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Mortgage

Shellpoint Mortgage has been sending me letters for months now, threatening to purchase lender-placed insurance on my condo, but I have my own insurance, which legally prohibits them from doing so. 

They have pretended to provide ways for me to submit my proof of insurance, and I have tried to submit my insurance to them via all these ways. They include : * a login to their website which requires an XXXX  authentication code that never arrives on my phone * an upload URL which claims to " time out '' once I have uploaded the documents * a " fax number '' which I faxed the documents to and of course never received a response * an email address to which I sent the documents to and never received a response Providing broken channels for document submission is a transparently fraudulent attempt to obtain justification to purchase the forced insurance which is presumably a very profitable business line for Shellpoint. 

I respectfully ask the CFPB to make Shellpoint Mortgage desist from this time-wasting and predatory form of financial fraud. Not all borrowers will be as clear about their rights as I am, and may end up falling victim to the scam and being XXXX XXXX XXXX  poorer per year as a result.
Product: Checking or savings account

I am writing to request assistance in resolving a matter regarding an account that was opened in my name at Security Service Federal Credit Union.

I received a letter stating that I authorized Security Service to pay any ATM or one-time card transactions. However, I did not authorize this account to be opened, and I would like to request that you investigate who or what company opened this account without my consent. I would appreciate your prompt attention to this matter and request that you take necessary steps to resolve this issue.
Product: Debt collection

I received ER services on XXXX/XXXX/16. I provided my Medicare and XXXX cards for billing purposes. The debt was in the amount of {$1000.00}, XXXX XXXX XXXX never processed a claim according to Medicare but rather sent the bill to XXXX XXXX XXXX. I have records showing my multiple attempts in getting this resolved with both the insurance groups, the medical center and the collection agency. The collection agency reported it on my credit report BEFORE I received their notice to that affect. As a result, I just lost out on being able to refinance my mortgage. Even though I have once again sent claims to both Medicare and XXXX, I paid the balance in full. My 40 yrs of excellent payment history substantiates the fact that I take care of my financial responsibilities. As both a veteran and XXXX federal employee of 30+ yrs, I find this treatment and failure to communicate by all entities involved is appalling.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thourogh investigation. This violates the fair credit reporting act ( FCRA ) 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer financial protection act ( CFPA ). As highlighted CFPBs recent administrative proceedings against them for similar violations. I request the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

I had a small balance ( under {$100.00} ) with TJMAXX on a Synchrony credit card in XXXX and was charged interest of {$2.00} on that statement but then the following month, when I had a XXXX dollar balance, they charged me a {$2.00} interest FEE for having had a balance the previous month that was charged interest? 

Also, I had autopay turned on but apparently the app does not allow autopay to cover the full account balance, the autopay feature is only for the minimum balance due. In order to have autopay for the full balance, I would need to login online to set that up. So, they make it difficult for this to work. If they can have a autopay feature on the app, why can't it be autopay in full? This is deliberately misleading and the rep I spoke to on the phone tried to blame it on the app being managed by TJMAXX and not Synchrony, but that makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accounts below with XXXX, Experian and XXXX in which they have not responded to my disputes in over 60 days. Per the FCRA these items must be deleted due to the creditors and credit bureaus neglecting to respond to my disputes. I am requesting XXXX, Experian and XXXX to delete these inaccurate accounts per Section 609, 611 and 623 of the FCRA. 

XXXX  : Account # XXXX XXXX XXXX : Account # XXXX XXXX   XXXX  : Account # XXXX XXXX XXXX XXXX/XXXX : Account # XXXX  Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries illustrated below were not authorized and have been disputed with the respective companies to no avail.      1 )    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX      2 )   XXXX   3 )    XXXX   XXXX   XXXX    4 )    XXXX   XXXX   XXXX   XXXX    5 )    XXXX   XXXX    6 )   XXXX   7 )    XXXX   XXXX    8 )   XXXX   9 )   XXXX   XXXX   XXXX